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Find answers to your insurance questions and more

Your trusted source for reliable insurance insights

Find the insurance guidance and resources you need to face each stage of life with certainty

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Find Answers to Some of The Most Common Insurance Questions

Why do I need insurance ?

You need insurance to protect yourself from financial loss due to unexpected events, such as accidents, health issues, or property damage.

How much does insurance cost ?

Insurance costs vary widely based on factors like coverage type, location, age, and risk level. It’s best to get quotes for a clearer picture.

What's the difference between term and whole life insurance ?

Term life insurance provides coverage for a specific period, typically at lower costs, while whole life insurance offers lifelong coverage and includes a cash value component that grows over time.

How do I file a claim ?

To file a claim, contact your insurance provider, gather necessary documentation (like policy details and incident reports), and complete their claim form. They’ll guide you through the process.

Should I use an insurance agent or broker ?

Using an insurance agent can be beneficial for specific policies from one company, while a broker can provide a broader range of options from multiple insurers. It depends on whether you want personalized service from a single provider or access to various plans.

Understanding Insurance Language

Liability

In insurance, liability refers to your legal responsibility to compensate someone for financial loss or harm you caused them. This is why car insurance is crucial, as it covers your liability if you injure someone or damage their property in an accident.

Deductible

A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Choosing a higher deductible lowers your premium, but you'll shoulder a larger initial cost if you need to file a claim.

Underwriting

Underwriting is the process where an insurance company assesses the risk of insuring you. Factors like driving history, health status, or property location are considered before they decide to offer coverage and at what price.

Policy Limits

Policy limits are the maximum amount your insurance company will pay out for a covered claim. These limits vary depending on the type of insurance and the specific policy you choose. Understanding policy limits helps you ensure you have adequate coverage.

Reimbursement

Reimbursement is the process where your insurance company pays you back for covered expenses after a claim is approved. Health insurance, for example, reimburses you for medical bills after you meet your deductible.