Disability income insurance provides replacement income
to individuals who are unable to earn income from work as
a result of an extended illness or injury.
There are two main types of disability income insurance:
employer-sponsored (or "group") policies and private
policies. Group policies are typically less expensive, but
they may also have more restrictions and limitations than
private policies.
Many people with group policies may have a false sense of
security due to the mistaken belief that the group policy
would provide enough money to meet spending needs. In
reality, it may also be necessary to supplement group
coverage with private coverage.
Among those most likely to need disability income
insurance coverage are small-business owners, the
self-employed, high-income professionals, and anyone who
is the primary earner in his or her household.
Disability income insurance coverage varies based on
your occupation.
to individuals who are unable to earn income from work as
a result of an extended illness or injury.
There are two main types of disability income insurance:
employer-sponsored (or "group") policies and private
policies. Group policies are typically less expensive, but
they may also have more restrictions and limitations than
private policies.
Many people with group policies may have a false sense of
security due to the mistaken belief that the group policy
would provide enough money to meet spending needs. In
reality, it may also be necessary to supplement group
coverage with private coverage.
Among those most likely to need disability income
insurance coverage are small-business owners, the
self-employed, high-income professionals, and anyone who
is the primary earner in his or her household.
Disability income insurance coverage varies based on
your occupation.
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 | |  | |  | |  | |  | |  | |  | |  |
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard
your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones
in different ways against the cost of accidents, illness,
disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET
HIRED, START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA.
LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
than is absolutely necessary on their daily bills, the things
that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best
coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another
way, you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage,
and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can
help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and family
medical history), there are steps you can take regarding the
third - lifestyle. You could lower your insurance premium if
you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of
life insurance, it is a contract between you and an insurance
company under which the insurance company pays you
money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated
choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-
care insurance plan. In this article we’ll look at some of the
basic coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the
Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due
to an injury or illness, how long would you be able to pay
your bills and meet your day-to-day expenses? LEARN
MORE...
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard
your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones
in different ways against the cost of accidents, illness,
disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR
BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET
HIRED, START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA.
LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
than is absolutely necessary on their daily bills, the things
that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best
coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another
way, you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage,
and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can
help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and family
medical history), there are steps you can take regarding the
third - lifestyle. You could lower your insurance premium if
you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of
life insurance, it is a contract between you and an insurance
company under which the insurance company pays you
money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated
choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-
care insurance plan. In this article we’ll look at some of the
basic coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the
Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due
to an injury or illness, how long would you be able to pay
your bills and meet your day-to-day expenses? LEARN
MORE...
 | |  | |  | |  | |  | |  | |  | |  |
Real Estate Assistance Program For Home-Buyers &
sellers
Real Estate Investment,
Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid Foreclosure,
Home Refinancing Since Interest Rate has Dropped to
the bottom low, Real Estate Financing
No Matter what you heard from the news you still can
purchase, Begin buying process with Mortgage Loane
Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO SELL A PROPERTY IN
SOUTH FLORIDA ; LET A PROFESSIONAL LICENSED
REALTOR & LICENSED MORTGAGE BROKER ASSIST
YOU.
SOUTH FL. CONTACT Mr. ANTONY AT: 786-
Real Estate Assistance Program For Home-Buyers &
sellers
FREE MONEY: EARN CASH BACK; BUYERS AND
SELLERS YOU CAN PUT MONEY BACK IN YOUR
POCKET...
Earn a cash back bonus. CLICK HERE...
When you buy or sell a home through Real Estate
Assistance Program With us ... GET BACK UP TO
$2,500.00
------------------------------------------------------------------------------
Mortgage Loans Information Center ...
Real Estate general Information Center ...
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR
EQUITY, SAVE YOUR CREDIT, AND PUT MONEY BACK IN
YOUR POCKET. ----
FORECLOSURE ALTERNATIVES: TIPS TO AVOID THIS
NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A GREAT WAY TO
INVEST IN REAL ESTATE AND MAKE BIG PROFITS;
GREAT DEALS. BARGAIN, BARGAIN ...
About Buying HUD Homes? What is a HUD Home? How
are HUD Homes sold?..
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL. SHORT SALE METHODS AND
TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES? HOW TO
INVEST IN REAL ESTATE SHORT SALE AND MAKE BIG
PROFIT?
CREATIVE FINANCING: TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO FIND MONEY TO
INVEST!
Capital gains tax, Understanding Capital Gains Taxes,
Real Estate Capital Gains Tax
pre-construction: Is by far one of the most viable
passive investment vehicle available in the real estate
industry ...
FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY
FREE ADVERTISEMENT ON THREE DIFFERENT
WEBSITES; NO FEES, NO CHARGES, NO COSTS TO
YOU. .. CLICK HERE... [FSBO]
1031 Exchange, Tax Saving Tips for Real Estate
Investors and landlords. 1031 Like-Kind Exchanges
and Multi-Family Investments: A Very Profitable
Combination!
Real Estate For Sale,
Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE; THE BEST QUALITY
PRODUCTS FROM THE WORLD GREATEST
COMPANIES AT
DISCOUNT PRICE. BARGAIN, BARGAIN!
Rental Property,
Commercial Real estate Investors: Calculator to use
and a variety of mathematical tools to analyze the
performance of their investment properties...
sellers
Real Estate Investment,
Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid Foreclosure,
Home Refinancing Since Interest Rate has Dropped to
the bottom low, Real Estate Financing
No Matter what you heard from the news you still can
purchase, Begin buying process with Mortgage Loane
Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO SELL A PROPERTY IN
SOUTH FLORIDA ; LET A PROFESSIONAL LICENSED
REALTOR & LICENSED MORTGAGE BROKER ASSIST
YOU.
SOUTH FL. CONTACT Mr. ANTONY AT: 786-
Real Estate Assistance Program For Home-Buyers &
sellers
FREE MONEY: EARN CASH BACK; BUYERS AND
SELLERS YOU CAN PUT MONEY BACK IN YOUR
POCKET...
Earn a cash back bonus. CLICK HERE...
When you buy or sell a home through Real Estate
Assistance Program With us ... GET BACK UP TO
$2,500.00
------------------------------------------------------------------------------
Mortgage Loans Information Center ...
Real Estate general Information Center ...
FORECLOSURE SOLUTION! STOP IT NOW. SAVE YOUR
EQUITY, SAVE YOUR CREDIT, AND PUT MONEY BACK IN
YOUR POCKET. ----
FORECLOSURE ALTERNATIVES: TIPS TO AVOID THIS
NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A GREAT WAY TO
INVEST IN REAL ESTATE AND MAKE BIG PROFITS;
GREAT DEALS. BARGAIN, BARGAIN ...
About Buying HUD Homes? What is a HUD Home? How
are HUD Homes sold?..
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL. SHORT SALE METHODS AND
TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES? HOW TO
INVEST IN REAL ESTATE SHORT SALE AND MAKE BIG
PROFIT?
CREATIVE FINANCING: TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO FIND MONEY TO
INVEST!
Capital gains tax, Understanding Capital Gains Taxes,
Real Estate Capital Gains Tax
pre-construction: Is by far one of the most viable
passive investment vehicle available in the real estate
industry ...
FREE ONLINE AD: COMPLETELY FREE, ABSOLUTELY
FREE ADVERTISEMENT ON THREE DIFFERENT
WEBSITES; NO FEES, NO CHARGES, NO COSTS TO
YOU. .. CLICK HERE... [FSBO]
1031 Exchange, Tax Saving Tips for Real Estate
Investors and landlords. 1031 Like-Kind Exchanges
and Multi-Family Investments: A Very Profitable
Combination!
Real Estate For Sale,
Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE; THE BEST QUALITY
PRODUCTS FROM THE WORLD GREATEST
COMPANIES AT
DISCOUNT PRICE. BARGAIN, BARGAIN!
Rental Property,
Commercial Real estate Investors: Calculator to use
and a variety of mathematical tools to analyze the
performance of their investment properties...
FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, MAKE
MONEY, AND GET OUT OF DEBT!
PERSONAL FINANCE. What are you doing with your money
in the wake of the financial crisis? --- Where is the safe
place to put money? My personal finance!
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE. Money-Making Information You'll Need to
Succeed
US ECONOMY, THE FINANCIAL SYSTEM, THE CREDIT
MARKET. WHAT'S GOING?
MONEY MANAGEMENT. Ten Resolutions to Make Your
Financial Life Easier
FINANCE: THE BANKING AND THE AMERICAN FINANCIAL
SYSTEM HISTORY, SUCCESS AND FAILURE
SAVING MONEY: THE SECRETS OF SAVING; WAYS TO
SAVE A LOT OF MONEY AND GETTING RICHER
IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA?
And what does it matter?
SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE.
HOW DOES SOCIAL SECURITY WORK?
FINANCIAL REPORT: How to bring your spending under
control, so that you get the most out of every dollar. 8
Reasons to get pre-qualified for a mortgage loan!
ESTATE PLANNING: Estate planning, is it really the process
of accumulating and disposing of an estate to maximize the
goals of the estate owner to avoid probate, to lower the tax?
Assets Protection: Don't Get Sued: Five Tips To Protect Your
Company! Types of Asset-Protection Vehicles;
Many different strategies have been developed over the
years claiming to protect assets. How to protect yourself
from...?
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful Long-Term Investor
FINANCIAL SYSTEM: AMERICA’S MONEY CRISIS / Bailout
101.
LEARN ABOUT: Top 6 Biggest U.S. Government Financial
Bailouts In History!
2-LEARN ABOUT MARKET CRASHES HISTORY. HOW AND
WHEN?
3-LEARN ABOUT: THE UNITED STATE, AND THE WORLD
MOST IMPORTANT FINANCIAL INSTITUTIONS!
4-LEARN ABOUT THE COMPLETE FINANCIAL TURMOIL, THE
CREDIT CRISIS!
BANKING & FINANCE / Knowledge Financial.com; an
educational, a life changing website with great ideas of
small business, with important things to know about our
economy, and investment
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND
MULTIPLY YOUR PROFITS. THESE INDUSTRIES HAS
THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO
INVEST AND GET RICHER IF YOU USE THE RIGHT TOOL.
TAX CERTIFICATES: / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year
On Your Investments? Yes you can... By investing in
Government Issued Tax Liens, Tax deed, Tax Certificates.
REITs: REIT: Real Estate Investment Trust. A GREAT WAY TO
INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE
LOAN
COMMERCIAL INVESTMENT. COMMERCIAL REAL ESTATE;
A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS
TO WIN BIG IN REAL ESTATE. WHAT IS COMMERCIAL REAL
ESTATE?
PENSION PLANS: THE ULTIMATE RETIREMENT GUIDE; HOW
TO RETIRE EARLY AND RETIRE REACH. WHAT ARE 401K,
ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT
SAVINGS PLAN.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING,
GET THE TOOLS YOU NEED TO PREVENT IT RIGHT HERE! AT
KNOWLEDGE FINANCIAL.COM
INSURANCE 101: THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE.
EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE;
NOW IS YOUR CHANCE TO KNOW HOW TO SAVE MONEY
ON YOUR INSURANCE! LEARN ABOUT THE 15 INSURANCE
POLICIES YOU DON'T NEED!
MONEY, AND GET OUT OF DEBT!
PERSONAL FINANCE. What are you doing with your money
in the wake of the financial crisis? --- Where is the safe
place to put money? My personal finance!
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE. Money-Making Information You'll Need to
Succeed
US ECONOMY, THE FINANCIAL SYSTEM, THE CREDIT
MARKET. WHAT'S GOING?
MONEY MANAGEMENT. Ten Resolutions to Make Your
Financial Life Easier
FINANCE: THE BANKING AND THE AMERICAN FINANCIAL
SYSTEM HISTORY, SUCCESS AND FAILURE
SAVING MONEY: THE SECRETS OF SAVING; WAYS TO
SAVE A LOT OF MONEY AND GETTING RICHER
IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA?
And what does it matter?
SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE.
HOW DOES SOCIAL SECURITY WORK?
FINANCIAL REPORT: How to bring your spending under
control, so that you get the most out of every dollar. 8
Reasons to get pre-qualified for a mortgage loan!
ESTATE PLANNING: Estate planning, is it really the process
of accumulating and disposing of an estate to maximize the
goals of the estate owner to avoid probate, to lower the tax?
Assets Protection: Don't Get Sued: Five Tips To Protect Your
Company! Types of Asset-Protection Vehicles;
Many different strategies have been developed over the
years claiming to protect assets. How to protect yourself
from...?
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful Long-Term Investor
FINANCIAL SYSTEM: AMERICA’S MONEY CRISIS / Bailout
101.
LEARN ABOUT: Top 6 Biggest U.S. Government Financial
Bailouts In History!
2-LEARN ABOUT MARKET CRASHES HISTORY. HOW AND
WHEN?
3-LEARN ABOUT: THE UNITED STATE, AND THE WORLD
MOST IMPORTANT FINANCIAL INSTITUTIONS!
4-LEARN ABOUT THE COMPLETE FINANCIAL TURMOIL, THE
CREDIT CRISIS!
BANKING & FINANCE / Knowledge Financial.com; an
educational, a life changing website with great ideas of
small business, with important things to know about our
economy, and investment
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE
RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A WAY TO INVEST AND
MULTIPLY YOUR PROFITS. THESE INDUSTRIES HAS
THOUSANDS OF COMPANIES TO BUY STOCKS FROM.
FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO
INVEST AND GET RICHER IF YOU USE THE RIGHT TOOL.
TAX CERTIFICATES: / TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn 18% to 240% Per Year
On Your Investments? Yes you can... By investing in
Government Issued Tax Liens, Tax deed, Tax Certificates.
REITs: REIT: Real Estate Investment Trust. A GREAT WAY TO
INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE
LOAN
COMMERCIAL INVESTMENT. COMMERCIAL REAL ESTATE;
A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS
TO WIN BIG IN REAL ESTATE. WHAT IS COMMERCIAL REAL
ESTATE?
PENSION PLANS: THE ULTIMATE RETIREMENT GUIDE; HOW
TO RETIRE EARLY AND RETIRE REACH. WHAT ARE 401K,
ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT
SAVINGS PLAN.
IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING,
GET THE TOOLS YOU NEED TO PREVENT IT RIGHT HERE! AT
KNOWLEDGE FINANCIAL.COM
INSURANCE 101: THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE.
EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE;
NOW IS YOUR CHANCE TO KNOW HOW TO SAVE MONEY
ON YOUR INSURANCE! LEARN ABOUT THE 15 INSURANCE
POLICIES YOU DON'T NEED!
| Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786-631-7740 It makes good sense to have us as your Insurance Agent to help you WITH your insurance needs and INVESTMENTS. ------------------------------------------------------------ I Will Provide You With High Quality Life Insurance Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} ------------------ I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786-631-7740 Licensed Real Estate Agent Licensed Insurance Agent |
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time
due to an injury or illness, how long would you be able to
pay your bills and meet your day-to-day expenses? Do you
know how much income you would receive from outside
sources -- and for how long?
A long-term illness or injury could wreak havoc on even
the soundest financial plan and can occur at any time. With
that in mind, your best defense against such a financial
catastrophe may be the purchase of a disability income
insurance policy with enough coverage to compensate for
your lost wages.
Disability income insurance replaces part of your income if
you become unable to work due to an injury or illness. It
provides you with cash that you can use for paying your
mortgage or rent, buying groceries, and meeting your daily
living expenses. Even if you don't have an immediate need
for disability income insurance, it also gives you some
peace of mind that comes from knowing that you have a
financial plan already in place.
Insurance?
If you were unable to work for an extended period of time
due to an injury or illness, how long would you be able to
pay your bills and meet your day-to-day expenses? Do you
know how much income you would receive from outside
sources -- and for how long?
A long-term illness or injury could wreak havoc on even
the soundest financial plan and can occur at any time. With
that in mind, your best defense against such a financial
catastrophe may be the purchase of a disability income
insurance policy with enough coverage to compensate for
your lost wages.
Disability income insurance replaces part of your income if
you become unable to work due to an injury or illness. It
provides you with cash that you can use for paying your
mortgage or rent, buying groceries, and meeting your daily
living expenses. Even if you don't have an immediate need
for disability income insurance, it also gives you some
peace of mind that comes from knowing that you have a
financial plan already in place.
Equity-Indexed Universal Life Insurance
What Does Equity-Indexed Universal Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A permanent life insurance policy that allows policyholders
to tie accumulation values to a stock market index.
Indexed universal life insurance policies typically contain a
minimum guaranteed fixed interest rate component along
with the indexed account option. Indexed policies give
policyholders the security of fixed universal life insurance
with the growth potential of a variable policy linked to
indexed returns.
Equity-Indexed Universal Life Insurance
Indexed universal life insurance differs from variable
universal life insurance in that indexed policies follow a
stock market index, while variable policies can allow
policyholders to allocate funds to a variety of investment
vehicles, such as stocks, bonds and equity funds. Indexed
policies tend to be less expensive than variable policies,
and offer greater security against stock market declines.
KNOWLEDGEFINANCIAL.COM
What Does Equity-Indexed Universal Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A permanent life insurance policy that allows policyholders
to tie accumulation values to a stock market index.
Indexed universal life insurance policies typically contain a
minimum guaranteed fixed interest rate component along
with the indexed account option. Indexed policies give
policyholders the security of fixed universal life insurance
with the growth potential of a variable policy linked to
indexed returns.
Equity-Indexed Universal Life Insurance
Indexed universal life insurance differs from variable
universal life insurance in that indexed policies follow a
stock market index, while variable policies can allow
policyholders to allocate funds to a variety of investment
vehicles, such as stocks, bonds and equity funds. Indexed
policies tend to be less expensive than variable policies,
and offer greater security against stock market declines.
KNOWLEDGEFINANCIAL.COM
Universal Life Insurance
What Does Universal Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A type of flexible permanent life insurance offering the
low-cost protection of term life insurance as well as a
savings element (like whole life insurance) which is
invested to provide a cash value buildup.
The death benefit, savings element and premiums can be
reviewed and altered as a policyholder's circumstances
change. In addition, unlike whole life insurance, universal
life insurance allows the policyholder to use the interest
from his or her accumulated savings to help pay premiums.
Universal Life Insurance
Universal life insurance was created to provide more
flexibility than whole life insurance by allowing the policy
owner to shift money between the insurance and savings
components of the policy.
Premiums, which are variable, are broken down by the
insurance company into insurance and savings, allowing
the policy owner to make adjustments based on their
individual circumstances. For example, if the savings
portion is earning a low return, it can be used instead of
external funds to pay the premiums. Unlike whole life
insurance, universal life allows the cash value of
investments to grow at a variable rate that is adjusted
monthly. KNOWLEDGEFINANCIAL.COM
What Does Universal Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A type of flexible permanent life insurance offering the
low-cost protection of term life insurance as well as a
savings element (like whole life insurance) which is
invested to provide a cash value buildup.
The death benefit, savings element and premiums can be
reviewed and altered as a policyholder's circumstances
change. In addition, unlike whole life insurance, universal
life insurance allows the policyholder to use the interest
from his or her accumulated savings to help pay premiums.
Universal Life Insurance
Universal life insurance was created to provide more
flexibility than whole life insurance by allowing the policy
owner to shift money between the insurance and savings
components of the policy.
Premiums, which are variable, are broken down by the
insurance company into insurance and savings, allowing
the policy owner to make adjustments based on their
individual circumstances. For example, if the savings
portion is earning a low return, it can be used instead of
external funds to pay the premiums. Unlike whole life
insurance, universal life allows the cash value of
investments to grow at a variable rate that is adjusted
monthly. KNOWLEDGEFINANCIAL.COM
This type of insurance policy contrasts with permanent
life insurance, in which duration extends until the policy
owner reaches 100 years of age (i.e. death).
It's Great to buy term insurance and invest the
difference {As The Best Saving Plan}
--KNOWLEDGEFINANCIAL.COM
BUY TERM INSURANCE AND INVEST THE DIFFERENCE FOR
A BETTER FUTURE.
TO GET HELP CALL A FLORIDA AGENT AT: 786-709-6577
Term Life Insurance
These types of policies provide a stated benefit upon the
death of the policy owner, provided that the death
occurs within a specific time period.
However, the policy does not provide any returns beyond
the stated benefit, unlike permanent life insurance
policies, which have a savings component that can be
used for wealth accumulation to borrow from.
life insurance, in which duration extends until the policy
owner reaches 100 years of age (i.e. death).
It's Great to buy term insurance and invest the
difference {As The Best Saving Plan}
--KNOWLEDGEFINANCIAL.COM
BUY TERM INSURANCE AND INVEST THE DIFFERENCE FOR
A BETTER FUTURE.
TO GET HELP CALL A FLORIDA AGENT AT: 786-709-6577
Term Life Insurance
These types of policies provide a stated benefit upon the
death of the policy owner, provided that the death
occurs within a specific time period.
However, the policy does not provide any returns beyond
the stated benefit, unlike permanent life insurance
policies, which have a savings component that can be
used for wealth accumulation to borrow from.
Variable Life Insurance Policy
What Does Variable Life Insurance Policy Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A form of whole life insurance, variable life insurance
provides permanent protection to the beneficiary upon the
death of the policy holder. This type of insurance is
generally the most expensive type of cash-value
insurance because it allows you to allocate a portion of
your premium dollars to a separate account comprised of
various instruments and investment funds within the
insurance company's portfolio such stocks, bonds, equity
funds, money market funds and bond funds.
In addition, because of investment risks, variable policies
are considered securities contracts and are regulated
under the federal securities laws; therefore, they must be
sold with a prospectus.
Variable Life Insurance Policy
The major advantage to variable policies is that they
allow you to participate in various types of investment
options while not being taxed on your earnings (until you
surrender the policy). You can also apply the interest
earned on these investments toward the premiums,
potentially lowering the amount you pay.
However, due to investment risks, when the invested
funds perform poorly, less money is available to pay the
premiums, meaning that you may have to pay more than
you can afford to keep the policy in force.
Poor fund performance also means that the cash and/or
death benefit may decline, though never below a defined
level. Also, you cannot withdraw from the cash value
during your lifetime.
What Does Variable Life Insurance Policy Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A form of whole life insurance, variable life insurance
provides permanent protection to the beneficiary upon the
death of the policy holder. This type of insurance is
generally the most expensive type of cash-value
insurance because it allows you to allocate a portion of
your premium dollars to a separate account comprised of
various instruments and investment funds within the
insurance company's portfolio such stocks, bonds, equity
funds, money market funds and bond funds.
In addition, because of investment risks, variable policies
are considered securities contracts and are regulated
under the federal securities laws; therefore, they must be
sold with a prospectus.
Variable Life Insurance Policy
The major advantage to variable policies is that they
allow you to participate in various types of investment
options while not being taxed on your earnings (until you
surrender the policy). You can also apply the interest
earned on these investments toward the premiums,
potentially lowering the amount you pay.
However, due to investment risks, when the invested
funds perform poorly, less money is available to pay the
premiums, meaning that you may have to pay more than
you can afford to keep the policy in force.
Poor fund performance also means that the cash and/or
death benefit may decline, though never below a defined
level. Also, you cannot withdraw from the cash value
during your lifetime.
Whole Life Insurance Policy
What Does Whole Life Insurance Policy Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon
death of the insured. The investment component
accumulates a cash value that the policyholder can
withdraw or borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute
to equity growth in a savings account where dividends
or interest is allowed to build-up tax-deferred.
What Does Whole Life Insurance Policy Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon
death of the insured. The investment component
accumulates a cash value that the policyholder can
withdraw or borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute
to equity growth in a savings account where dividends
or interest is allowed to build-up tax-deferred.
Adjustable Life Insurance
What Does Adjustable Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A type of life insurance that combines features of term and
whole life coverage, giving holders the option to change
the characteristics of their policies as their needs change
over time. Adjustable life insurance policies allow holders
to manipulate the period of protection, increase or
decrease the face amount, raise or lower the premium
amount, and change the length of the premium payment
period. These policies also incorporate an interest bearing
side fund (cash value).
Adjustable life insurance is also known as "flexible
premium adjustable life insurance".
Adjustable Life Insurance
Adjustable life insurance differ from other life insurance
products because there is no requirement to cancel or
purchase additional policies as holders' circumstances
change.
Adjustable life insurance policies are best suited for
individuals who want the protection and cash value
benefits of whole life insurance along with an increased
measure of flexibility. With the ability to modify payments,
coverages and terms, holders can customize their
coverage as their incomes and family responsiblities grow
and change through the years.
KNOWLEDGEFINANCIAL.COM
What Does Adjustable Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A type of life insurance that combines features of term and
whole life coverage, giving holders the option to change
the characteristics of their policies as their needs change
over time. Adjustable life insurance policies allow holders
to manipulate the period of protection, increase or
decrease the face amount, raise or lower the premium
amount, and change the length of the premium payment
period. These policies also incorporate an interest bearing
side fund (cash value).
Adjustable life insurance is also known as "flexible
premium adjustable life insurance".
Adjustable Life Insurance
Adjustable life insurance differ from other life insurance
products because there is no requirement to cancel or
purchase additional policies as holders' circumstances
change.
Adjustable life insurance policies are best suited for
individuals who want the protection and cash value
benefits of whole life insurance along with an increased
measure of flexibility. With the ability to modify payments,
coverages and terms, holders can customize their
coverage as their incomes and family responsiblities grow
and change through the years.
KNOWLEDGEFINANCIAL.COM
Permanent Life Insurance
What Does Permanent Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM
An umbrella term for life insurance plans that do not
expire (unlike term life insurance) and combine a
death benefit with a savings portion. This savings
portion can build a cash value - against which the
policy owner can borrow funds, or in some instances,
the owner can withdraw the cash value to help meet
future goals, such as paying for a child's college
education.
The two main types of permanent life insurance are
whole and universal life insurance policies.
Permanent Life Insurance
To borrow against the savings portion of a permanent
life insurance policy, there is usually a waiting period
after the purchase of your policy for sufficient cash
value to accumulate. Also, if the amount of the unpaid
interest on your loan plus your outstanding loan
balance exceeds the amount of your policy's cash
value, your policy and all coverage will terminate.
Permanent life insurance policies enjoy favorable tax
treatment. The growth of cash value is generally on a
tax-deferred basis, meaning that you pay no taxes on
any earnings in the policy so long as the policy
remains active.
Provided you adhere to certain premium limits, money
can be taken out of the policy without being subject to
taxes since policy loans generally are not considered
taxable income. Generally, withdrawals up to the
amount of premiums paid can be taken without being
taxed. KNOWLEDGEFINANCIAL.COM
What Does Permanent Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM
An umbrella term for life insurance plans that do not
expire (unlike term life insurance) and combine a
death benefit with a savings portion. This savings
portion can build a cash value - against which the
policy owner can borrow funds, or in some instances,
the owner can withdraw the cash value to help meet
future goals, such as paying for a child's college
education.
The two main types of permanent life insurance are
whole and universal life insurance policies.
Permanent Life Insurance
To borrow against the savings portion of a permanent
life insurance policy, there is usually a waiting period
after the purchase of your policy for sufficient cash
value to accumulate. Also, if the amount of the unpaid
interest on your loan plus your outstanding loan
balance exceeds the amount of your policy's cash
value, your policy and all coverage will terminate.
Permanent life insurance policies enjoy favorable tax
treatment. The growth of cash value is generally on a
tax-deferred basis, meaning that you pay no taxes on
any earnings in the policy so long as the policy
remains active.
Provided you adhere to certain premium limits, money
can be taken out of the policy without being subject to
taxes since policy loans generally are not considered
taxable income. Generally, withdrawals up to the
amount of premiums paid can be taken without being
taxed. KNOWLEDGEFINANCIAL.COM
Cash Surrender Value
What Does Cash Surrender Value Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her policy
is voluntarily terminated before its maturity or the insured
event occurs.
This cash value is the savings component of most
permanent life insurance policies, particularly whole life
insurance policies. Also known as "cash value",
"surrender value" and "policyholder's equity".
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death. However, during the early years of a whole life
insurance policy, the savings portion brings very little
return compared to the premiums paid.
KNOWLEDGEFINANCIAL.COM
What Does Cash Surrender Value Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her policy
is voluntarily terminated before its maturity or the insured
event occurs.
This cash value is the savings component of most
permanent life insurance policies, particularly whole life
insurance policies. Also known as "cash value",
"surrender value" and "policyholder's equity".
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death. However, during the early years of a whole life
insurance policy, the savings portion brings very little
return compared to the premiums paid.
KNOWLEDGEFINANCIAL.COM
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Term Life Insurance
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the
coverage period.
Once the policy is expired, it is up to the
policy owner to
decide whether to renew the term life
insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is relatively
inexpensive compare to
the others.
IT CAN BE PURCHASED FOR DURATION FOR
10, 20, 30, OR
35 YEARS . CHEAP INSURANCE, BUT VERY
GOOD
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the
coverage period.
Once the policy is expired, it is up to the
policy owner to
decide whether to renew the term life
insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is relatively
inexpensive compare to
the others.
IT CAN BE PURCHASED FOR DURATION FOR
10, 20, 30, OR
35 YEARS . CHEAP INSURANCE, BUT VERY
GOOD
ADVANTAGES & BENEFITS OF A
LIFE INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal
disease sells his or her life insurance policy at a
discount from its face value for ready cash.
So he or she can have enough money to take care
of himself/herself while still sick.
The buyer cashes in the full amount of the policy
when the original owner dies.
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit - ADB-- Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance
policy that enables the policy holder to receive
cash advances against the death benefit in the
case of being diagnosed with a terminal illness.
RECEIVE BIG CASH WHILE SICK & ALIVE. ISN'T IT A
GREAT THING?
LIFE INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal
disease sells his or her life insurance policy at a
discount from its face value for ready cash.
So he or she can have enough money to take care
of himself/herself while still sick.
The buyer cashes in the full amount of the policy
when the original owner dies.
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit - ADB-- Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance
policy that enables the policy holder to receive
cash advances against the death benefit in the
case of being diagnosed with a terminal illness.
RECEIVE BIG CASH WHILE SICK & ALIVE. ISN'T IT A
GREAT THING?
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Waiver Of Premium Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A clause in an insurance policy that waives the
policyholder's obligation to pay any further
premiums should he or she become seriously ill or
disabled. A waiver of premium allows people to
benefit from an insurance policy, even when they
cannot work.
ADVANTAGES OF LIFE INSURANCE POLICY
Dread Disease Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A special addition to a life insurance policy that
gives a percentage of the death benefit to the
policy holder if he or she is diagnosed with a
serious disease, such as cancer or heart disease
Waiver Of Premium Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A clause in an insurance policy that waives the
policyholder's obligation to pay any further
premiums should he or she become seriously ill or
disabled. A waiver of premium allows people to
benefit from an insurance policy, even when they
cannot work.
ADVANTAGES OF LIFE INSURANCE POLICY
Dread Disease Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A special addition to a life insurance policy that
gives a percentage of the death benefit to the
policy holder if he or she is diagnosed with a
serious disease, such as cancer or heart disease
ADVANTAGES & BENEFITS OF LIFE INSURANCE
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is
the length of time you have to review your new
insurance policy and return it for a full refund if it
does not meet your expectations. This free-look
period begins on the day that you receive your
policy
---------------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
KNOWLEDGEFINANCIAL.COM-- EXPLAINS;
INSURANCE GRACE PERIOD PROVISION
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a
premium (usually thirty or thirty-one days) during
which the insurance is continued in force and
during which the payment may be made to keep
the policy in good standing.
CALL A FLORIDA AGENT AT: 786-709-6577
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is
the length of time you have to review your new
insurance policy and return it for a full refund if it
does not meet your expectations. This free-look
period begins on the day that you receive your
policy
---------------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
KNOWLEDGEFINANCIAL.COM-- EXPLAINS;
INSURANCE GRACE PERIOD PROVISION
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a
premium (usually thirty or thirty-one days) during
which the insurance is continued in force and
during which the payment may be made to keep
the policy in good standing.
CALL A FLORIDA AGENT AT: 786-709-6577
ADVANTAGE OF A LIFE INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal
disease sells his or her life insurance policy at a
discount from its face value for ready cash. The
buyer cashes in the full amount of the policy when
the original owner dies. Also referred to as a Life
Settlement.
----------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Accelerated Death Benefit - ADB
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance
policy that enables the policy holder to receive
cash advances against the death benefit in the
case of being diagnosed with a terminal illness.
Many individuals who choose the accelerated
death benefit have less than one year to live and
use the money for treatments and other costs
needed to stay alive. Investopedia explains
Accelerated Death Benefit - ADB
Choosing an insurance policy with an accelerated
death benefit allows the policy holder to pay for
their daily living in an effort to make it the most
comfortable while also allowing the holder to look
after his or her family once they pass away. This
type of benefit was originally started in the late
1980s in an attempt to alleviate the financial
pressures of those that were diagnosed with AIDS.
Some policies might have this option available
even though it's not mentioned in the contract.
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal
disease sells his or her life insurance policy at a
discount from its face value for ready cash. The
buyer cashes in the full amount of the policy when
the original owner dies. Also referred to as a Life
Settlement.
----------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Accelerated Death Benefit - ADB
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance
policy that enables the policy holder to receive
cash advances against the death benefit in the
case of being diagnosed with a terminal illness.
Many individuals who choose the accelerated
death benefit have less than one year to live and
use the money for treatments and other costs
needed to stay alive. Investopedia explains
Accelerated Death Benefit - ADB
Choosing an insurance policy with an accelerated
death benefit allows the policy holder to pay for
their daily living in an effort to make it the most
comfortable while also allowing the holder to look
after his or her family once they pass away. This
type of benefit was originally started in the late
1980s in an attempt to alleviate the financial
pressures of those that were diagnosed with AIDS.
Some policies might have this option available
even though it's not mentioned in the contract.
History of insurance refers to the development of a
modern business in insurance against risks, especially
regarding ships, cargo, and buildings ("property" and
"fire"), death ("life" insurance), automobile accidents
("auto"), and the cost of medical treatment (health
insurance).
The industry has been profitable and has provided
attractive employment opportunities for white collar
workers. It helps eliminate risks (as when fire insurance
companies demand safe practices and the availability of
fire stations and hydrants), spreads risks from the
individual or single company to the larger community,
and provides an important source of long-term finance
for both the public and private sectors.
modern business in insurance against risks, especially
regarding ships, cargo, and buildings ("property" and
"fire"), death ("life" insurance), automobile accidents
("auto"), and the cost of medical treatment (health
insurance).
The industry has been profitable and has provided
attractive employment opportunities for white collar
workers. It helps eliminate risks (as when fire insurance
companies demand safe practices and the availability of
fire stations and hydrants), spreads risks from the
individual or single company to the larger community,
and provides an important source of long-term finance
for both the public and private sectors.
Insurance as we know it today can be traced to the
Great Fire of London, which in 1666 devoured 13,200
houses. In the aftermath of this disaster, Nicholas
Barbon opened an office to insure buildings. In 1680,
he established England's first fire insurance company,
"The Fire Office," to insure brick and frame homes.
Great Fire of London, which in 1666 devoured 13,200
houses. In the aftermath of this disaster, Nicholas
Barbon opened an office to insure buildings. In 1680,
he established England's first fire insurance company,
"The Fire Office," to insure brick and frame homes.
The History Of Insurance In America
The first insurance company in the United States
underwrote fire insurance and was formed in Charles
Town (modern-day Charleston), South Carolina in 1732,
but it provided only fire insurance.
---------------------------------------
History Of In America
Benjamin Franklin and American Insurance
Not content with the titles of statesman, scientist,
inventor or author, Benjamin Franklin added insurer to
his collection. In 1752, the Philadelphia Contributionship
for the Insurance of Houses from Loss by Fire became
the first mutual fire insurance company in America.
Benjamin Franklin helped to popularize and make
standard the practice of insurance, particularly Property
insurance to spread the risk of loss from fire, in the form
of perpetual insurance. In 1752, he founded the
Philadelphia Contributionship for the Insurance of
Houses from Loss by Fire.
Franklin's company was the first to make contributions
toward fire prevention. Not only did his company warn
against certain fire hazards, it refused to insure certain
buildings where the risk of fire was too great, such as all
wooden houses.
The sale of life insurance in the U.S. began in the late
1760s. The Presbyterian Synods in Philadelphia and
New York founded the Corporation for Relief of Poor
and Distressed Widows and Children of Presbyterian
Ministers in 1759; Episcopalian priests created a
comparable relief fund in 1769. Between 1787 and 1837
more than two dozen life insurance companies were
started, but fewer than half a dozen survived.
1760s. The Presbyterian Synods in Philadelphia and
New York founded the Corporation for Relief of Poor
and Distressed Widows and Children of Presbyterian
Ministers in 1759; Episcopalian priests created a
comparable relief fund in 1769. Between 1787 and 1837
more than two dozen life insurance companies were
started, but fewer than half a dozen survived.
19th century
Most insurance companies operated locally. The
ambitious ones expanded geographically in the
1830s, such as the New York Life Insurance and Trust
Company in upstate New York, and the Baltimore Life
Insurance Company in the Mid-Atlantic and Upper
South. They built a network of agents to develop
markets in different cities.
Most insurance companies operated locally. The
ambitious ones expanded geographically in the
1830s, such as the New York Life Insurance and Trust
Company in upstate New York, and the Baltimore Life
Insurance Company in the Mid-Atlantic and Upper
South. They built a network of agents to develop
markets in different cities.
The goal was to only insure people "of sound health,
and of sober habits, without hereditary disease, and
not belonging to families remarked for short lives. The
company had to judge the reliability of agents, who
sought out clients, canceled dubious policies, and
judged the health of potential customers. The agents
were not medical men, but they were instructed to ask
applicants some standard questions:
and of sober habits, without hereditary disease, and
not belonging to families remarked for short lives. The
company had to judge the reliability of agents, who
sought out clients, canceled dubious policies, and
judged the health of potential customers. The agents
were not medical men, but they were instructed to ask
applicants some standard questions:
Car insurance
During the 1950's - 1960's - 1970s and 1980s there was a
growth in support for the requirement for drivers to have
insurance as a means of proving financial responsibility
since it was recognized that the automobile, in the case of
an accident, could cause significant collateral damage. It
soon followed that car insurance became a mandatory
requirement for all drivers.
During the 1950's - 1960's - 1970s and 1980s there was a
growth in support for the requirement for drivers to have
insurance as a means of proving financial responsibility
since it was recognized that the automobile, in the case of
an accident, could cause significant collateral damage. It
soon followed that car insurance became a mandatory
requirement for all drivers.
In 1935, the Social Security Act came into effect,
providing unemployment compensation and old-age
benefits. This took away some of the insurance
companies' territory and it sent a clear signal that
encouraged the industry to begin regulating itself for
fear of more government involvement.
Social Security
Until the passage of the Social Security Act in 1935, the
federal government had never mandated any form of
insurance upon the nation as a whole, but this program
expanded the concept and acceptance of insurance as
a means to achieve individual financial security that
might not otherwise be available.
providing unemployment compensation and old-age
benefits. This took away some of the insurance
companies' territory and it sent a clear signal that
encouraged the industry to begin regulating itself for
fear of more government involvement.
Social Security
Until the passage of the Social Security Act in 1935, the
federal government had never mandated any form of
insurance upon the nation as a whole, but this program
expanded the concept and acceptance of insurance as
a means to achieve individual financial security that
might not otherwise be available.
Health insurance in the United States
Accident insurance was first offered in the United States by
the Franklin Health Assurance Company of Massachusetts.
This firm, founded in 1850, offered insurance against injuries
arising from railroad and steamboat accidents.
Sixty organizations were offering accident insurance in the
US by 1866, but the industry consolidated rapidly soon
thereafter. In 1887, the African American workers in
Muchakinock, Iowa, a company town, organized a mutual
protection society.
Members paid fifty cents a month or $1 per family for health
insurance and burial expenses. In the 1890s, various health
plans became more common. Group disability policy was
issued in 1911
Commercial insurance companies began offering accident and
sickness insurance (disability insurance) as early as the mid-
19th century. The first group medical plan was purchased from
The Equitable Life Assurance Society of the United States by
the General Tire & Rubber Company in 1934
------------------------------
Moral hazards
Moral hazard is the change in behavior of the insured party
who may take greater risks, or consume higher levels of
insured services, because they know they are covered by
insurance. The insurer may have to pay more claims than
expected. The more insurance claims are made however, the
higher premiums become.
----------------------------------
Insured parties might set fires to collect property insurance—
or even commit suicide or murder when life insurance was
involved. From the opposite angle, religious people refused
to consider insurance against God's decisions. Fraud was also
a problem, as people lied on applications, broke policy
restrictions, or falsified their own deaths so their family could
collect
sickness insurance (disability insurance) as early as the mid-
19th century. The first group medical plan was purchased from
The Equitable Life Assurance Society of the United States by
the General Tire & Rubber Company in 1934
------------------------------
Moral hazards
Moral hazard is the change in behavior of the insured party
who may take greater risks, or consume higher levels of
insured services, because they know they are covered by
insurance. The insurer may have to pay more claims than
expected. The more insurance claims are made however, the
higher premiums become.
----------------------------------
Insured parties might set fires to collect property insurance—
or even commit suicide or murder when life insurance was
involved. From the opposite angle, religious people refused
to consider insurance against God's decisions. Fraud was also
a problem, as people lied on applications, broke policy
restrictions, or falsified their own deaths so their family could
collect
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