Property and Casualty Insurance

intruder Insurance property and casualty insurance property and casualty insurance is insurance that protects against property losses to your business home or car and war against legal liability that may result from injury or damage to property of others this type of insurance can protect a person or business with an injured in the insurance physical property against losses let's examine some of the things to look for in the different types of property casualty insurance auto insurance coverage on auto insurance policy typically covers you and your spouse relatives who live in your home and other licensed drivers to whom you get permission to drive your car the posse is packaged protection which provides coverage for both bodily injury and property damage liability as well as physical damage to your vehicle is damaged can be included both that caused by the collision in damage caused by means other than collision centers flood Firewind

Property & Casualty Insurance License Exam Tips: Business Owners Policy

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 when writing a business owners policy are you will have the following six items included in every policy there may be more things but they will never be less than the following six items when writing a business owners policy prior to giving you the six I will always appear in this type of policy I want you to know that it's automatically assumed that anything explicitly or specifically excluded and policy well obviously not be covered so instead of saying that for each one just know that is like about each area of coverage if there is a specific exclusion it is not covered in Pacific excluding the names of the six things that you will find in every benefit source policy the first one will be building coverage and building coverage of the policy covers the value of appliances the building itself or pieces of equipment that are damaged or destroyed next after building coverage is personal property coverage under this policy you are ensuring agreed to pay the amount equal to the value of the businesses property or the property of another individual or organization that is in the care of business that either is damaged or destroyed is the result of any event on the third part of this business owners policy would be called an extra expense coverage the policy what

Life Insurance, Accidental Death & Dismemberment, Long Term Disability Insurance Benefit

inexpensive pedometer to speak about is your life insurance a trumpet case for its a benefit of $50,000 for your beneficiary so this is a great time if you don't remember your beneficiaries maybe to complete a new beneficiary Weber we have on file. Is who the money for the benefit also has been accelerated benefit which means that if you have less than 12 months till you can borrow against as planned but just remember when the time comes we do whatever you borrow against the plan is the amount less than the beneficiary the plan also has accidental death dismemberment and basically what that means if you die resulting to an accident now I don't need to pay off 50000 under the term portion but it also under the AT&T version of the plan your beneficiary receive $100,000 coverage if your death is due to an accident I don't point out that there are certain functions when you turn age 65 benefits gets reduced to 65% of face value and then there's another reduction I'm at the age of 70 other benefits available to you as employees employees just a plan you have a guaranteed issue amount of $140,000

How Does Health Insurance Work?

today's question: how does health insurance work the simple answer is it's about the economy of scale time began mankind is found safety in numbers health insurance coverage is no different when you sign up for coverage you join a group of other people to combine your healthcare purchasing power your insurance covers the whole group rather than individuals so everyone shares the cost of staying healthy it's a lot like an auto insurance company that collects premium payments from its customers then uses that pool of money to pay accident claims when a customer has a written example Gary takes care of himself and he's a healthy high but it's his first time skiing moments after stepping off the lift key plummets down the wrong slope and hits a tree then 5 more free than he slides over the edge of a cliff and it's probably hit by a falling see Justin his wife goes to inform him that she's about to deliver twins Gary's about to be buried under a lot more than snow because costly medical events like these even happy

What is Supplemental Health Insurance?

today's question: what is supplemental health insurance the simple answer is that supplemental health insurance is additional health coverage that pays you a daily amount when you're hospitalized some policy also let you choose additional coverage that pays you when you need other medical services like trips to the emergency room X rays or visits to your doctor's office why is that important well about half of all the money spent on medical costs in the US spend on services that happened at hospitals and hospital services continue to be one of the fastest growing medical expenses in the country so having supplemental insurance to help when you're hospitalized makes sense supplement health insurance pays benefits directly to you or to someone you designate so it really helps you maintain your financial help when you have medical problems you can use the money for whatever you need household bills or to pay medical costs to see how this works let's meet on earlier in the year he enrolled his family and his employers Humana supplemental health insurance plan because he thought it seemed really affordable and recently won found out