Protection Components

CAR

Auto Insurance is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your car. It can also help protect you in the event of an automobile-related lawsuit.

HOMEOWNERS

Homeowners Policy offers protection for your dwelling, as well as your personal possessions and personal liability. Your home may be the biggest investment you'll ever make. So if you're serious about protecting that investment, here is some important information to consider when determining the coverage amount for your home. We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Determining your home’s estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it’s important to have enough coverage to account for unforeseen circumstances.

LIABILITY

Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of your auto and homeowners liability policies to provide extra protection. (Even if you don't own a home, remember that you still need renters insurance to cover both your liability and your personal property). Some examples of where umbrella coverage often comes into play:

An auto accident in which you're sued under your auto insurance policy.
Your neighbor slips and falls on your property, and you're sued under your homeowners insurance.
A natural disaster in which another person's property is damaged by, say, a tree on your property crashing down on their vehicle or home. This usually falls into the, "I thought that was covered by my homeowners policy" category.

DISABILITY

If you're like most people, you depend on your paycheck to pay your monthly living expenses. Disability insurance helps to cover these financial responsibilities should you have an illness or injury that makes you unable to work. Most people don't realize the risk of becoming disabled, permanently or temporarily, at some point in their lives. But the reality is that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is 43%. (Source: 2004 Field Guide, National Underwriter)

MEDICAL

Health insurance is important in the event that you, or any member of your family is ever sick or injured. Having this coverage will protect you from financial hardships

LONG TERM CARE

Long-term care insurance helps pay for the care you need when you can no longer care for yourself. It can protect your family's financial future and your own investments and savings.

LIFE

The primary purpose of life insurance is to protect your dependents and their standard of living. There are 2 main types of life insurance, term & permanent. When purchasing term insurance you are only buying a death benefit. Permanent life insurance can build cash value as part of your personnel planning.

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