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While many people in the U.S. remain completely		Collision insurance covers damage to your own vehicle in
uninsured when it comes to life insurance, even more		an accident. Collision is generally optional unless
who are insured are underinsured. Many		your car is financed or leased in which case your bank
consumers may own only half of the commonly		or credit union, bank or lender will require collision
recommended amount (6-10 times your annual salary).		coverage as a condition of the loan in order to protect
Now is the time to shop for term life insurance rates, and		their interests.
think about purchasing a new policy. You may be able to
afford more coverage than you think for low monthly		Comprehensive insurance covers damage to your vehicle
payments!		other than collision, such as fire, flood, break-ins,
		vandalism or theft, vandalism, break-ins, collisions with
Term life insurance prices started falling in the early		animals, and fire. It also covers natural disasters
1990s, and rates are now over 50 percent lower than a		like earthquakes, hail, hurricanes and floods (unless the
decade earlier. With rates remaining at record lows, and		vehicle is overturned, in which it's considered a collision).
many experts predicting that prices will continue to drop		Like collision, comprehensive insurance is usually
when the major insurers adopt new mortality tables based		required if your car is leased or financed.
upon the increase in average life expectancy, now is the
time to purchase a new policy and lock in the best prices.
Even if you purchased your policy several years ago,
chances are that you can still lower your prices.


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Your home consists of more than a just your house. A		Your half birthday could be costly. While
home includes the pool in your backyard, the tools in		some companies raise their prices based on your actual
your garage and the wedding ring on your finger. Most		age, most companies increase the price of their policies
importantly, it also includes your family, their happiness		six months before your birthday. Its a term called Age
and safety. Homeowners insurance allows you to protect		Nearest in the industry, and that half-year price
every part of your home giving you a greater sense of		increase could really add up over a 20-year term policy.
security, knowing that you'll always have a warm roof
over your head. The sections below provide simple but		Select the right length of coverage. Everyone
vital information that will help you understand what		has different needs, and not one size fits all when it
homeowners insurance covers.		comes to term life insurance. While it may make sense
		for people in their 30s and 40s to secure a 20-year term
		length, a 10-year term might be more appropriate for
		someone nearing retirement. People who are trying to
		quit smoking, for example, might be best suited
		purchasing a shorter term (and then replacing it with a
		longer term policy when they qualify for non-tobacco
		prices). Lastly, individuals who have 30-year mortgages
		might want to consider a 30-year term to ensure that the
		house is protected throughout the period of the loan.

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