it is all about insurance (article 2)

          Insurance allows individuals, businesses and other entities to protect themselves against significant potential losses and financial hardship at a reasonably affordable rate. We say "significant" because if the potential loss is small, then it doesn't make sense to pay a premium to protect against the loss. After all, you would not pay a monthly premium to protect against a $50 loss because this would not be considered a financial hardship for most.

        Insurance is appropriate when you want to protect against a significant monetary loss. Take life insurance as an example. If you are the primary breadwinner in your home, the loss of income that your family would experience as a result of our premature death is considered a significant loss and hardship that you should protect them against. It would be very difficult for your family to replace your income, so the monthly premiums ensure that if you die, your income will be replaced by the insured amount. The same principle applies to many other forms of insurance. If the potential loss will have a detrimental effect on the person or entity, insurance makes sense. 

. Why Do We Need Insurance????????????

Many of us have never had to make a claim on our insurance. Therefore when we continue to write the check month after month, we feel as if we are pouring money right down the drain. Even though you've never had to make a claim on your insurance, there is a good reason that its there. Naturally insurance is there to protect yourself and your investment, but let's face it; many of us wouldn't bother with insurance if it wasn't required by law or the bank.

Not only does insurance protect you and those around you, it is an unsung hero of America's economic success. Think about it for a second, who else has a stake in protecting your property; if you lease your car or mortgage your house, then the bank does. They want to make sure that their investment is protected. Banks wouldn't want to lend out money unless they knew that there was a really good chance that they'll get their money back. Consequently, insurance provides protection for the consumer lending process which is the backbone of the American economy. You might say that insurance greases the wheels enterprise.

types of insuranse that we must know……

Life Insurance

get your life insurance is the right choice to give you the peace of mind. Any incidents happens that causes you to pass away, life insurance will provides money directly to your beneficiaries. It is the first aids to help your family to pass through the difficult time. Besides, it may also pay off your household debt, paying your funeral and other related expenses.  

disability income insurance
Accident may happen anytime, anywhere, same goes to those unexpected diseases or illness you may face in your life. Statistic shows that the amount of disability is much higher than death. What happen if you suddenly loss your income because of disability? You have to pay your daily bills, your food, utilities, those monthly instalment, this will be continue for months or years. If you have plan ahead to help protect your lifestyle, then you will enjoy and relax your life. This is the reason why you need Disability income insurance.

Travel Insurance

Most people like to travel. Travelling to a new environment will required additional secure for your personal belonging as well as your safety. There are several different package of travel insurance to suit different requirement. Tell your travel insurance agency your travelling period and destination; they will sure give you some good advices.

Home Insurance

Nothing is much more valuable then the home we live in everyday. Protect your home from unexpected incidents may helps you gain uncountable value in your daily life. Different people may need different amount of coverage. Check out with your local insurance agency to find out what is your best coverage figure.
It is also important to purchase a home insurance if you are just renting a house. Although the landlord has insures his property, you should also protect you and your stuff. It costs less than you think. Bad things may happen anytime anywhere. Wait no more, start getting your own home insurance now.

Car Insurance

Car is your 2nd home in your daily life. Most of the people need to drive for their career. Protect your car is as important protecting the driver. Have your free and relax driving journey with the purchase of Car Insurance