The Insurance Policy Life Would Be Too Risky Without

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					The Insurance Policy Life Would Be Too Risky Without

You've come across from time to time, information about certain kinds of
insurance policy that you must do everything in your power to stay away
from - rental car insurance, flight safety insurance, extended
warranties. You know the drill. What are the types of insurance policy
that no one should ever be without though? With not a dime wasted on
unnecessary insurance and spending everything on the right kinds of
policy, you'll find that life is a whole lot safer - your earning power
is protected, all your assets are protected. Here's what you need to
know.

It's funny how the insurance companies have the gall to try to sell us
useless insurance when there's so much that's important that we should
have. Consider the frightening possibility of long-term disability. We
all depend for our peace of mind on the idea that we will retain the use
of limbs and our senses for as long as we live. Of course, at the back of
our minds, we always fear what can happen... blindness, a stroke. It's
just too frightening to contemplate. The only insurance most people have
against this kind of thing happening is a hope and a prayer. A far better
idea would be to simply buy a disability insurance policy. This way,
you'll be guaranteed of being able to live life as you've been accustomed
to - no matter what happens.

When the worst happens, you'll be glad (or at least, you would be if you
could know about it) that those who depend on you won't be let down. No
matter who it is - your parents, your husband or wife or your your
children - about the cheapest way you have of ensuring that their life is
able to go on would be to get life insurance. All you need to do is to
calculate how much you make in a year, multiply that with the number of
years in a job that you have left, and buy insurance for that sum. Most
people who buy life insurance take an added step - they work in the cost
of their funeral too as this can be really a terrible expense at such a
time.

Health insurance is just something you just cannot do without. You may
not be sure that you'll ever need life insurance or disability insurance.
But health insurance, you absolutely do know you'll need. Even a couple
of x-rays can end up costing several hundred dollars. This is something
you may tell yourself you can't afford; in reality, you can't afford not
to have this. Not in a world where more people are bankrupted by not
having health insurance than they are by having some.

And finally, home insurance, in time full of hurricanes, wildfires and
floods, is an absolute essential. Your home is the biggest investment
you'll ever make in your life. Make sure that it's protected.

				
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posted:11/19/2011
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Description: You've come across from time to time, information about certain kinds of insurance policy that you must do everything in your power to stay away from - rental car insuranc