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The Basics of Disability Insurance

Many people assume that disability insurance only makes sense if you have a high-risk job that involves strenuous activity, dangerous sites, or heavy machinery. However, statistics suggest otherwise. According to the Council for Disability Awareness, one in four of today’s 20-year-olds will become disabled before they retire, and accidents are not the leading cause of disability. Instead, most long-term absences are caused by things that can happen to anyone, from a common back injury to cancer. Disability insurance provides many benefits for disabled workers and their families. Women can use disability insurance to cover lost wages when they take maternity leave. Short-term disability insurance can help protect workers during a serious illness or after a surgery that requires a lengthy recovery period, and long-term disability insurance can cover those with chronic mental conditions. Although the former isn’t meant to last longer than two years, the latter can cover a policyholder from one year up to age 67. Often, your age determines the standards and benefits of your disability insurance. The younger you are, the higher the standard for disability will be and the lower the amount you will receive. Keep in mind that most insurance policies stop covering policyholders once ...

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Pros and Cons of Buying Life Insurance for Your Kids

Pros and Cons of Buying Life Insurance for Your Kids

The cost of raising a child doesn’t decrease, it only increases. Knowing it takes so much money to raise a child these days, it makes sense that people don’t want to spend extra money unnecessarily. In fact, frugal living has become something many parents are constantly working toward. Obviously, it’s a good goal to have. But, to achieve it, parents are cutting their budgets where ever they can in order to save the most money possible. This makes me wonder where life insurance fits into the picture. Should you buy life insurance for your kids? This is something my parents and I were discussing the other day as they took out insurance on my brother and I when we were little kits. Here are some of the pros and cons of buying life insurance for your kids. Pros: 1. It Can be Inexpensive You can purchase a term insurance policy for a child for only a few dollars per month. For instance, if you put a rider on your own life insurance policy it may only cost you around $5 to $10 each month. 2. You Will Have Funeral Expense Coverage Having life insurance is not a guarantee that all ...

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More Insurance Policies Everyone Should Consider

Insurance is a financial lifeboat that comes to save us when we’ve encountered one of life’s crazy circumstances. To some, paying for financial coverage in the event that something goes wrong may seem like a waste of money. Which is why many foregoing common insurance policies and end up in a world of debt later. If you’ve avoided certain insurance policies because you believe it’ll never happen to you or you’ll cross that bridge when you get to it, you could be in for a world of trouble. Here are just a few more policies everyone should consider: Car Insurance There is an accident every minute of the day in the US. While you’d like to think that you’re a safe driver and nothing will happen to you, you can’t control everything and everyone on the road. Car insurance provides financial coverage in the event of an accident. If the injuries you sustained were serious, you could hire a personal injury attorney like Bachus & Schanker LLC to obtain financial coverage for damages, emotional distress, pain and suffering, and more.  As you go through legal processes and court proceedings adequate car insurance coverage will cover the damage to your vehicle and ...

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Where Can You Get Competitive Auto Insurance Quotes?

The internet is filled with lots of options for insurance but when it is your turn to take the insurance for your auto vehicle then it is necessary that you don’t just make your decision on the basis of its popularity and appearance. It is necessary that you see the features and benefits of insurance before you actually give your preference to any specific insurance plan. In fact, it is quite possible for you to get best and most competitive auto insurance quotes along with the advantage of best features of insurance that will allow you to avail full benefit of insurance for your vehicle but this could happen only if you will search sufficiently for this. There is a requirement of logic and proper strategy in this kind of research and if you want to make sure that you don’t miss any advantage of insurance at all then you should necessarily make the selection of insurance company and insurance plan with proper analysis and consideration so that you can get best results of insurance according to your expectations. For example, if you live in Canada then before you actually Shop Insurance Canada for your auto vehicle, it is necessary ...

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Get The Best Uber Auto Insurance Coverage

There are so many people who still don’t understand the exact meaning and features of Uber Insurance mainly because there are lots of varieties in it and most of the people misunderstand these varieties and then they start paying attention only to the highlight points which usually leads to misunderstandings and misconceptions. Uber drivers are often very confused with their privileges and insurance features. That is the main reason why it becomes necessary for every Uber driver to understand the importance of this kind of insurance. And that is why we bring all the necessary details to one place so that they can get all the necessary information that they need at one place. The proper understating of insurance procedure is necessary but it is complex procedure and therefore it is not possible for everyone to understand it with expertize unless they spend lots of time in research for this purpose. So, either you can spend some time in research for this purpose and then gain proper knowledge in this aspect or you can simply hire a professional expert like Ridesharing Car Insurance who would be there for your step by step assistance in the complete policy getting process. If ...

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