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Today, virtually all heads of families should carry life insurance. Most financial advisors also recommend automobile, health, homeowners, personal liability, professional liability and/or malpractice, disability, and long-term care.
Purchasing individual or family insurance coverage is probably one of the most important financial decisions you will make. A great deal of study and advice is needed to choose wisely. A few basic guidelines can safely be applied to most consumers. Beyond these, each individual’s needs are unique and should be carefully assessed by an expert.
A good rule of thumb is: Don’t insure yourself against misfortunes you can pay for yourself. Insurance is there to protect you in case of an event with overwhelming expenses. If anything short of a calamity does occur, it will usually cost you less in actual costs than the insurance premiums you would have paid.
Broader is better. Purchase insurance that will cover as many misfortunes as possible with a single policy; for example, permanent insurance that covers not only burial in the event of death, but also income protection in the event of a critical illness, which affects your ability to go to work. These are known as living benefits. Carefully examine policies that exclude coverage in certain areas, the “policy exclusions.”
Always buy from a financially strong company. Take the time to shop around for the best prices with the most coverage for your specific situation. .
Long-Term Care and Final Expense Insurance
Long-Term Care Insurance gives you the financial means andthe support options you desire. Whether you require in-home visits, assistedliving or skilled nursing care, Long-Term Care Insurance lifts the burden fromthose around you, improving the quality of life for yourself and for everyoneyou hold dear.
Your family will always come first. You wouldn't want themto bear huge and unexpected financial burdens at the time of your passing. Nomatter what your age, it`s absolutely essential to have a plan in place toprotect your loved ones when you are no longer able. Final Expense insurancewill pay for your funeral service, bills and other associated costs.