Why you need it: Both expected and unexpected health care expenses - including routine visits, medications, emergency stays, and serious surgeries - can add up quickly and cause a lot of debt for those who can’t afford the out-of-pocket costs.
Who needs it: Everyone
What it is: Health insurance is a contract between a health insurer and a policy holder that requires the health insurer to pay for all or at least a portion of medical costs.
Why you need it: Death can be expensive - from settling an estate to planning a funeral, the associated costs can really set you back - but a life insurance policy will ease the financial burden placed on a surviving spouse and dependents (i.e. children).
Who needs it: Those with dependents
What it is: In the event of death, a life insurance policy pays a beneficiary an agreed-upon amount of money to cover the expenses left by the deceased. A beneficiary is the person or entity named in a policy who receives benefits, such as a spouse.
Yes, Vehicle insurance is a mandatory requirement. Most drivers have Vehicle insurance because it is the law, but that doesn’t mean you should only buy the minimum required coverage. There are many reasons to buy Vehicle insurance.
Pay Now and Save Later - A Vehicle insurance not only protects you, it also protects your family from huge expenses. By investing a small amount now in your own protection, you can help avoid costly expenses in the future. Coverages such as collision, comprehensive, property liability and bodily injury liability can help cover the costs of expensive claims if an accident happens.
Protect Yourself and Others - The right Vehicle insurance can help protect you, your family members, your passengers and other drivers. If an accident happens, you want to know you have the right coverage to take care of any property or bodily injury costs that may arise. Get a Vehicle insurance quote online or talk to us today to learn how you can help protect yourself and your family.
Save Time and Hassle – The fallout from a Vehicle accident can be incredibly time-consuming and tedious. With appropriate coverage, you can avoid negotiating with other drivers and property owners involved in the accident and managing the costs of repairing or replacing your vehicle. Great auto insurance can help handle a lot of these headaches. A good auto insurance policy can help with vehicle towing, repairs and replacements and covering the costs of damages to other drivers. Once you make a Vehicle insurance claim, the insurance company can help manage the process and support you through it.
Peace of Mind – Everyone makes mistakes. But sometimes another driver’s mistake can become your problem. With the right type of Vehicle insurance you can feel confident that you’re protected if an uninsured or underinsured driver hits you.
Why you need it: Planning to jet off to a new destination? Then make sure the cost of your airfare is covered in case of medical emergencies or other incidents that may cause a trip to be cut short.
Who needs it: Travelers
What it is: Travel insurance covers trip cancellations, lost or misplaced luggage, travel accidents, and even medical expenses while on the trip.
Why you need it: Driving while uninsured is against the law and dangerous because the driver and their vehicle aren’t protected against an accident, collision, or general theft and vandalism.
Who needs it: Drivers
What it is: Auto insurance covers cars, motorcycles, trucks, and other vehicles, and is intended to protect against physical damage or bodily injury that could result from driving, whether the incident is reckless or an accident.
Why you need it: To ensure protective measures against the financial losses that arise due to a road accident. Compensating a human life is in no way a possible deal, but through a personal accident policy, some financial help can be offered to the individual or the dependent.
Who needs it: Everyone
What it is: Personal Accident Insurance offers financial protection to the insured/family in case of any mishap caused by an accident resulting in death, injuries and total/partial disabilities. Reimburses medical costs and secures your family financially in critical times.
Why you need it: The health of its employees has a direct bearing on the health of the organization. Group Health Insurance is issued without medical examination. Group Insurance ensures that all the members of the group are insured regardless of their age, occupation and health status.
Who needs it: Everyone
What it is: A type of health insurance policy purchased by an employer and offered to the employer’s eligible employees and their eligible dependents.
