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Insurance is a safety net. You pay into the program every month, and they cover the bills if you have an accident, get sick or are sued. There are several different insurance programs to choose from, but here are the ones you should be sure to invest in.
Health Insurance for Long Life
Millions of Americans choose not to invest in health insurance. The non-partisan Congressional Budget Office estimates that four million Americans will refuse to acquire medical coverage in the year 2016. That number is currently higher, but it shouldn’t be. Everyone needs health insurance. It’s not just for when you have a virus and need antibiotics. Health insurance covers you if you’re in an accident, and it ensures that you will have coverage if you are diagnosed with a serious illness like diabetes or cancer.
What would you do if a tree fell on your house? How would you respond if the neighbor’s kid was seriously hurt while playing on your trampoline? Without insurance, you would be writing a check for damages and hospital bills. With insurance, however, you would call your agent and have the problem taken care of. Homeowner’s insurance protects your home and other structures on your property. However, it does more by protecting your assets in the event of a lawsuit filed as a result of injuries sustained on your property.
Auto Insurance to Protect Your Assets
Required by law in most states, this is another insurance that many people choose to forego. Like homeowner’s coverage, it protects your assets in the event of a lawsuit. The coverage levels vary, and the right coverage for you will depend on the age and value of your car and your personal assets. At minimum, you should carry enough liability insurance to shield all of your assets. You should also invest in uninsured motorist coverage to protect yourself against another driver who chooses to skip this coverage. MSN Money reports that 28 percent of the drivers in Mississippi have no insurance, and even states with better coverage levels like New York still have an uninsured driver rate of five percent. Protect yourself by investing in your own insurance coverage.
Long-Term Care Insurance in your Golden Years
Many seniors don’t want to be a burden to their children, but the cost of long-term care can leave your estate in shambles. Medicaid won’t kick in until your personal funds are depleted, and the government will take a look through your financial transactions of recent years to make sure you haven’t funneled money to a loved one. If disbursements were made from your estate in recent years, your family will have to pay money back. Avoid the drama and stress by investing in insurance that will cover your care. The younger you are when you purchase it, the more money you will save on monthly premiums.
These insurance plans are necessary for protecting your health, your home and your other assets. The premiums are surprisingly affordable, and you may be able to customize the coverage to fit comfortably within your monthly budget. They provide you with peace of mind, and they ensure that you will be able to stay on track financially.
Candice Ritler writes for askforinsurance.com where you can learn about social security disability benefits at retirement age
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