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There are two basic types of life insurance: Term Life		The right hobby with the wrong company could cost
insurance, where you choose the coverage amount and		you. People who participate in high-risk sports or
length of the policy; and Whole or Permanent Life		activities (such as hang-gliding, skydiving, mountain
insurance (of which there are many variations), which		climbing, scuba diving, and racing), or even those who
combines an investment product with life insurance.		like to have an occasional cigar could very well pay more
Whole life insurance is expensive, due mainly to its		money if they dont pick the right company. Every
investment aspect, while term life insurance is very		company looks at risk factors differently and some are
affordable, especially with todays all-time low prices.		more liberal in certain areas than others. Make sure you
		work with an insurance company that has properly
While many people in the U.S. remain completely		matched your personal profile with their underwriting
uninsured when it comes to life insurance, even more		criteria.
who are insured are underinsured. Many
consumers may own only half of the commonly		Dont overspend on protection. Term life
recommended amount (6-10 times your annual salary).		insurance is the most affordable and cost-effective pure
Now is the time to shop for term life insurance rates, and		protection available, and it is typically much less
think about purchasing a new policy. You may be able to		expensive than a comparable whole life policy. The old
afford more coverage than you think for low monthly		axiom still rings true: Buy Term and invest the
payments!		difference.


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Before you sign on the bottom line of your insurance		Uninsured or underinsured motorist insurance covers you
policy, it's a good idea to have an understanding of the		if you are injured in an accident with others who
basics. Sure, it may look like a simple sheet of paper with		themselves carry insufficient or no liability
writing on it, but it's a legally-binding document that		insurance. With the surprising number of such
outlines your rights and obligations should you be		drivers out there, it's a good idea to have some.
involved in an accident. As a rule, you should always		Some states require UIM/UM, so contact your Agent.
read your policy carefully, cover to cover, including the
dreaded "fine-print." This will prevent any		Collision insurance covers damage to your own vehicle in
surprises in case you need to make a claim.		an accident. Collision is generally optional unless
		your car is financed or leased in which case your bank
		or credit union, bank or lender will require collision
		coverage as a condition of the loan in order to protect
		their interests.

Columbus Insurance
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