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Insurance

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PRESENTATION OUTLINE

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INSURANCE

BY: KRISTINE BASSETT
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Auto Insurance

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Auto Insurance: protection against the financial loss that you can suffer if you are in an accident.

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AUTO INSURANCE PROVIDES PROPERTY, LIABILITY, AND MEDICAL COVERAGE

  • Property: pays for your damages to or theft of your car.
  • Liability: pays for your legal responsibility to others for bodily injury or property damage.
  • Medical: pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.
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5 REASONS YOU NEED AUTO INSURANCE

  • Pay a little now to save a lot later.
  • Saving time and inconvenience when accidents happen.
  • Peace of mind for you.
  • Car insurance can supplement your health insurance.
  • It's typically the law.
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TOP 5 MOST REVIEWED AUTO INSURANCE

  • State Farm
  • Geico
  • Progressive
  • USAA
  • Esurance
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Renters Insurance

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Renters Insurance: ability to replace or repair what has been damaged or stolen.

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BENEFITS

  • Protects against fire, lava, electrical surge, bursting pipes, riot, lightning, vehicles, falling objects, smoke, theft and vandalism.
  • Liability protection pays medical costs if someone's injured on your rented property or bitten by your dog, and court costs if they sue.
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RENTERS INSURANCE

  • All State
  • Liberty Mutual
  • State Farm
  • Farmers Insurance
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Consideration: If your apartment is in a flood zone, you might want to consider taking out a flood insurance policy.

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TYPES

  • Cash Value: pays what you originally spent on your property.
  • Replacement Value: pays what it would cost to replace something.
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Homeowners Insurance

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Homeowners Insurance: provides you with financial protection against disasters such as fire, storms, or theft. Standard policies cover the home itself and possessions inside it.

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REASONS WHY YOU NEED

  • Your bank or lending institution requires it.
  • Insurance will help you to rebuild your home if it is destroyed.
  • Helps you replace your things.
  • Protects the equity in your home
  • Protects you if you're robbed.
  • Helps you make sure you have a place to live
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BEST HOMEOWNERS INSURANCE COMPANIES

  • Amica
  • Allstate
  • State Farm
  • Travelers
  • Met Life
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Covered: Fire, windstorm, hail, lightning, theft, and vandalism.
Not covered: floods and earthquakes.

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Health Insurance

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Health Insurance: important to have because medical costs can quickly add up.

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2 BASIC TYPES

  • Fee-for-service: Health professionals receiving a fee for the services provided to the patient.
  • Managed care: Provides comprehensive health services and offers financial incentives to patients who use providers that are part of the plan.
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5 REASONS WHY ITS NEEDED

  • Insurance can seem expensive, but not having it can cost much more.
  • Being uninsured impacts everyone.
  • Preventive care: people with health insurance are found to be mentally and physically healthier).
  • Transitioning to a new career: colleges and Universities are requiring health insurance.
  • Self worth: How much would it cost to fix you if something went wrong?
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TOP 5 HEALTH INSURANCE PROVIDERS

  • BlueCross BlueShield
  • Humana
  • Kaiser Permante
  • Aetna
  • United Healthcare
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Long-term disability insurance

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Long-term disability: Benefits usually start several weeks or months after the disability and can last a few years or for he rest of your life.

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BEST INSURANCE PROVIDERS

  • Colonial Life & Accident Insurance
  • Aflac
  • Mutual of Omaha Disability Insurance
  • Liberty Mutual
  • MetLife
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WHAT LONG-TERM DISABILITY DOES

  • Pays, usually 50 to 60 percent, depending on the policy.
  • Some policies pay out as long as you are disabled until age 65.
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Short-term disability insurance

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Short-term disability: Benefits begin sometime in the first 14 days of the disability and last no longer than 2 years.

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BEST INSURANCE

  • Colonial Life & Accident Insurance
  • Aflac
  • Mutual of Omaha Disability Insurance
  • Liberty Mutual
  • MetLife
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WHAT SHORT-TERM INSURANCE DOES

  • The benefit pays 40 to 60 percent of the employees weekly gross income.
  • Emplyees are required to use sick days before short term disability kicks in.
  • May be different policies for sickness and injuries.
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Life insurance

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TWO TYPES

  • Term: pays a benefit if you die during the term of the policy, usually between 1 and 30 years.
  • Whole life: pays a benefit whenever you die, no matter your age.
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REASONS WHY YOU NEED

  • You never know who you'll die.
  • Funerals are expensive.
  • Protect those you love.
  • Death shouldn't mean debt.
  • Anything can happen (illness).
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BEST LIFE INSURANCE PROVIDERS

  • Northwest Mutual
  • New York Life
  • Massachusetts Mutual
  • MetLife
  • Banner
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I couldn't work IMovie, this was more efficient for me. Please understand. Sources are on the next page.

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SOUCES

Kristine Bassett