Accident InsuranceAccidents can and do happen any time and in any workplace no matter how much attention and care is paid to safety procedures and preparation. Accidents occur more often where physically demanding jobs are the order of the day but can also crop up in work situations where the employee sits at a desk most of the day staring into a computer screen. One never knows.
Disability InsuranceDisability Insurance is a kind of policy coverage that is designed to protect one’s income should a policyholder become critically ill or injured and, as a result, be rendered unable to work for a certain time. It has coverage for injury to any part of your physical body, including such critical components as eyesight, hearing, limbs and hands, even for mental incapacitation.
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Critical Illness InsuranceCritical illness insurance was introduced in the latter few years of the ‘90s. It was engineered to assist people with critical illnesses in covering costs that are associated with dealing with their chronic conditions. Often this coverage applies to medical costs that are not already a part of a workplace benefits package. It can also be exploited to handle bills and other typical life expenses.
Life InsuranceObtaining good life insurance for you and your loved ones gives you the ability to pass on wealth to others should you pass away. This kind of coverage can be put to use for almost any purpose and, often times, the money is even tax-free.
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Long Term Care InsuranceThis kind of coverage is designed to take care of you when you can no longer do so yourself, especially in your later years. Due to several medical advances recently, people are indeed living longer lives. This means that many older and/or sick individuals will need assistance in their final years. This kind of assistance, whether it is in the form of in-home care or that of an assisted-living facility, can be quite costly and certainly also can add up very quickly to shocking levels. Long-term care insurance is what can help to mitigate these expenses.
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Universal Life InsuranceUniversal life insurance is a terrific idea for all who would like coverage that is noted by its flexibility throughout its term, which, assuming one pays his or her premiums, can also last permanently. If just now you have started investigating the many available options of good life insurance, then continue on for an overview of coverage and aspects of universal policy provisions and how they are different from other kinds of life insurance.
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