Etters Insurance


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Check out your payment/billing options. Many		While it is important to consider your own unique needs
life insurance companies offer discounts to consumers		when it comes to term life insurance, the general rule of
who pay their premiums annually, or who pay monthly by		thumb is to have 6-10 times your annual household
electronic funds transfer (EFT).		income.

The right hobby with the wrong company could cost		There are two basic types of life insurance: Term Life
you. People who participate in high-risk sports or		insurance, where you choose the coverage amount and
activities (such as hang-gliding, skydiving, mountain		length of the policy; and Whole or Permanent Life
climbing, scuba diving, and racing), or even those who		insurance (of which there are many variations), which
like to have an occasional cigar could very well pay more		combines an investment product with life insurance.
money if they dont pick the right company. Every		Whole life insurance is expensive, due mainly to its
company looks at risk factors differently and some are		investment aspect, while term life insurance is very
more liberal in certain areas than others. Make sure you		affordable, especially with todays all-time low prices.
work with an insurance company that has properly
matched your personal profile with their underwriting
criteria.


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Uninsured or underinsured motorist insurance covers you		If you and your family are fortunate enough to enjoy
if you are injured in an accident with others who		extended periods of great health, you may want to
themselves carry insufficient or no liability		choose a higher deductible. For example,
insurance. With the surprising number of such		increasing it from $500 to $1,000 will significantly reduce
drivers out there, it's a good idea to have some.		your insurance premium.
Some states require UIM/UM, so contact your Agent.
		Avoid plans that exclude pre-existing health
Comprehensive insurance covers damage to your vehicle		conditions. You may end up paying for a policy
other than collision, such as fire, flood, break-ins,		that doesn't cover you, which defeats the purpose of
vandalism or theft, vandalism, break-ins, collisions with		having insurance! If you must, try and get one with
animals, and fire. It also covers natural disasters		a maximum six month waiting period.
like earthquakes, hail, hurricanes and floods (unless the
vehicle is overturned, in which it's considered a collision).
Like collision, comprehensive insurance is usually
required if your car is leased or financed.

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