Insurance CE - Insurance Products
by Ed Hulse
You may think there are only life, automobile, and health insurances that you can buy, but there are many more insurance products that may fit your needs. They range from retirement to trip cancellation kind of policies. A reputable insurance company should be able to sell you any of these products.
You and your entire family can be covered when you buy health insurance. It caters for a portion of your medical bill. Prescription drugs can also be covered by some health policies.
Life coverage is of two different types. We have the term and whole life cover. Whole life cover involves an investment strategy, like bonds and money market instruments. Payment of dividends is done from these investments and then they are added to the face value. In term life, the face value is only paid upon death.
Automobile on the other hand covers your automobile in case of accident or theft. Collision coverage covers your vehicle as well as the other person's vehicles in case of an accident that is your fault. Liability policy covers only the other vehicle in an accident that is your fault. Underinsured or uninsured motorist cover takes care of property and vehicle damage in case both drivers are found at fault or one or both are underinsured or not insured at all.
Retirement policy, also referred to as annuity, is an agreement to use an account to make payments. You will be paid a sum of money after you retire, for your entire life. A retirement savings that is considerably strong and safe is annuities.
Business policy covers a broad range of services. It can cover a landlord in case of an accident or fire on his property. It can cover a business against employee theft and contractor losses. It can also cover workers compensation claims.
Trip cancellation policy can cover travel and ticket costs when you cannot go on a long-planned vacation due to an illness or death in the family. It can even cover you if the cruise line or airline goes out of business.
Umbrella coverage is a policy that covers and protects you or your business against unexpected losses due to large settlements or by exhausting the liability limits on any of your policies. It covers unexpected accidents in your vehicle and on your property that exceeds the liability limits which may be in the thousands of dollars. This extra coverage would have to buy in addition to other policies.
It is good to be aware of the various insurance products available. Majority of the policies will have a deductible that must be paid before the policy becomes effective. You can get information of the various options available from the internet or by contacting an agent.
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New Unique Article!
Title: Insurance CE - Insurance Products
Author: Ed Hulse
Email: ej34654@hotmail.com
Keywords: continuing education,online education,life insurance,health insurance,insurance,finance,business,education,investing,personal finance,ethics,taxes,wealth building
Word Count: 457
Category: Marketing
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