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Research the various insurance plans, coverages and		While many people in the U.S. remain completely
options. Find out which best suits you and your		uninsured when it comes to life insurance, even more
family. Don't buy more insurance than you need		who are insured are underinsured. Many
(i.e. young married couple probably doesn't need serious		consumers may own only half of the commonly
medical coverage other than pregnancy). Consult		recommended amount (6-10 times your annual salary).
an agent to answer any specific question pertaining to		Now is the time to shop for term life insurance rates, and
you.		think about purchasing a new policy. You may be able to
		afford more coverage than you think for low monthly
If you and your family are fortunate enough to enjoy		payments!
extended periods of great health, you may want to
choose a higher deductible. For example,		Term life insurance prices started falling in the early
increasing it from $500 to $1,000 will significantly reduce		1990s, and rates are now over 50 percent lower than a
your insurance premium.		decade earlier. With rates remaining at record lows, and
		many experts predicting that prices will continue to drop
		when the major insurers adopt new mortality tables based
		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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Select the right length of coverage. Everyone		Collision insurance covers damage to your own vehicle in
has different needs, and not one size fits all when it		an accident. Collision is generally optional unless
comes to term life insurance. While it may make sense		your car is financed or leased in which case your bank
for people in their 30s and 40s to secure a 20-year term		or credit union, bank or lender will require collision
length, a 10-year term might be more appropriate for		coverage as a condition of the loan in order to protect
someone nearing retirement. People who are trying to		their interests.
quit smoking, for example, might be best suited
purchasing a shorter term (and then replacing it with a		General liability insurance covers injuries/deaths and
longer term policy when they qualify for non-tobacco		property damage resulting from an accident. This is the
prices). Lastly, individuals who have 30-year mortgages		most important coverage and is commonly required by
might want to consider a 30-year term to ensure that the		law in many states. Each state has its own
house is protected throughout the period of the loan.		minimum liability requirement. Some insurance
		companies offer "split-limit" coverage (each
		part of the coverage is split into its own limit, i.e. $15,000
		max. per person injured, $5,000 for property, etc.) while
		others offer "combined single limit" (the entire
		combined coverage for bodily and physical damages
		under one limit, i.e. $100,000 total).

Saginaw Insurance
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