Our Products
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Our Products
Auto Insurance:
Bodily Injury/Property Damage Liability: pays for the
injuries and damages an individual or their vehicle sustain if you are
at fault in an automobile accident.
Uninsured/Underinsured Bodily Injury/Property Damage: provides protection
for you, your family, and your vehicle if someone else is at fault in
an accident and either has no insurance or carries lower liability limits
than you carry.
Collision and Comprehensive: Collision provides coverage to your vehicle
in the event that your vehicle is damaged in an accident that is your
fault. Comprehensive provides coverage for your vehicle in certain circumstances
such as fire, theft, vandalism, falling object, and impact with animals.
Both comprehensive and collision are subject to a deductible (the amount
the insured must pay out of their own pocket before the insurance company
pays the difference).
Home Insurance
Protects: Dwelling: pays for damage to your insured
home due to a covered loss, like lightning or fire.
Contents Coverage: provides protection for covered loss to your moveable
property, like a stereo, bicycle, furniture or clothing.
Additional Living Expense: if a covered loss makes your home uninhabitable,
this coverage helps you pay the reasonable increase in living expenses
necessary to maintain your normal standard of living.
Family Liability: if someone is accidentally injured or their property
is damaged in a covered incident, this coverage provides protection for
damages that you are legally obligated to pay. This protection does not
cover auto liability claims.
Life Insurance
Protects: Life insurance can help to provide continued
financial support for your loved ones. Should you pass on, a life insurance
policy would pay a specified death benefit to the person you choose -
your beneficiary.
Types of life insurance policies:
Term: Gives coverage to the insured for a set period
of time - such as 10, 20, or 30 years. The insured chooses the amount
of time and the amount the policy is worth. Then your beneficiary receives
a lump-sum payment if you die before that term is over.
Permanent: Gives coverage to the insured for their entire
life with no term limit providing the insured pays their adequate premiums.
In addition, over time your premiums may begin to build a cash value which
usually accumulates at a guaranteed minimum interest rate. This money
is available for emergencies, to help fund certain things like retirement.
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