All About Insurance
Life Insurance
The most important insurance that most people don’t take seriously. Most people insure their house, cars, cell phone, and appliances but have no life insurance, if they do it’s not enough. Life insure doesn’t insure your life. It insures your family’s ability to continue on without being financially devastated. There are two type of life insurance, a temporary term life insurance which cover a certain term like 10, 15, 20, 25 or 30 years. The other type is permanent life insurance.
Critical Illness Insurance
A critical illness can be a tremendous financial burden to family. The critical illness could include heart attack, stroke, organ transplants, cancer and coronary bypass are the most common. Other critical illness could have the same consequences and impact to the family financial future for medical care and treatment.
Disability Insurance
In the event that you become disabled and are unable to earn an income, having disability insurance will replace a portion of your lost income. 1 in 4 people will become disabled during their working career.
Health Insurance
Most company have group health insurance, however, if you are no longer employed or self employed then there won’t be any health coverage for yourself or your family. This health insurance cover things like dental, prescription drugs, glasses, hearing aids, professional health services etc. If you don’t have any health insurance, then you’ll have to pay out of pocket for these services for your family.
Long Term Care Insurance
This type of insurance can provide coverage if you become unable to care for yourself and need assistance to manage daily living activities. Long term care isn’t just for seniors, you can become unable to care for yourself at any point in your life.
Travel Insurance
Having travel insurance is having a piece of mind when traveling to a foreign country. This will cover your unexpected medical emergency expenses and more wherever you travel. No one hope that something will happen to us when we are on vacation. However, we never know when we will encounter a medical emergency while abroad.
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