FAQ

What is Term Insurance ?

Term insurance is death protection for a “term” of one or more years. Death benefits will be paid only if you die within that term of years. Term insurance generally provides the largest immediate death protection for your premium dollar.

Why HomeOwners Insurance ?

 If anything happens, give yourself a fresh start. With your homeowners insurance, it will pay the actual cost of replacing your possessions—regardless of age or condition—with brand new items of equal quality.

Total Disability Benefit ?

You are totally disabled if, because of your injury or sickness, you are: unable to perform the substantial and material duties of your regular occupation, not engaged in any other gainful occupation, and under the care of a physician. The physician’s care requirement will be waived if further care would be of no benefit to you. Your regular occupation is your occupation at the time your disability begins.

What is an IRA?

 An IRA is an individual retirement account. An Ira is a personal savings plan that provides income tax advantages to individuals saving money for retirement purposes.

Auto Insurance

 

What is Collision Coverage ?

 Covers auto damage from a collision with another car.

Medical Payments

Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.

What is Comprehensive Coverage

Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.

Property Damage Liability

 Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else’s auto or property.

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