Most Common Questions
Do I need life insurance?
If others rely on your income or you’d leave debts behind, life insurance can provide financial security for your loved ones.
What are the main types of life insurance?
Term life covers you for a set period; whole life provides lifelong coverage with a cash value component.
How much life insurance do I need?
A common rule is 7–10 times your annual income, but consider debts, future expenses, and your family’s needs.
Can I get life insurance with health issues?
Yes, many insurers offer policies for those with health conditions, though premiums may be higher.
How much does life insurance cost?
Premiums vary based on age, health, coverage amount, and policy type; younger, healthier individuals pay less.
How much life insurance do I need?
A common rule is 7–10 times your annual income, but consider debts, future expenses, and your family’s needs.
Is employer-provided life insurance enough?
Employer policies often offer limited coverage and may not be portable; additional personal coverage is advisable.
What does car insurance cover?
It covers liability, collision, comprehensive, medical payments, and uninsured motorist damages.
How much does car insurance cost?
Costs vary by driver, vehicle, and location; U.S. average is $1,982/year for full coverage.
What’s the difference between collision and comprehensive coverage?
Collision covers crash damage; comprehensive covers theft, fire, weather, and non-crash incidents.
What affects my car insurance rate?
Factors include age, driving record, credit score, vehicle type, and location.
What is travel insurance?
Travel insurance covers unexpected losses during travel, like medical emergencies, trip cancellations, and lost luggage.
What does travel insurance cover?
It typically covers trip cancellations, medical emergencies, evacuation, lost luggage, and accidental death.
Do I need travel insurance for domestic trips?
For short domestic trips with refundable bookings and adequate health coverage, travel insurance may not be necessary.
What types of business insurance do I need?
Most businesses need general liability and property insurance; others may require workers’ comp, auto, or cyber coverage.
Is business insurance legally required?
Workers’ comp is mandatory in most states; other coverages may be required by contracts or leases.
What types of business insurance are essential?
General liability, property, workers’ comp, and cyber liability are key, depending on your business type.
Does homeowners insurance cover my home-based business?
Typically, no. Home policies often exclude business-related equipment and liability.
How much does business insurance cost?
Costs vary by industry, size, location, and coverage; bundling policies can offer savings.
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Do I need life insurance?
If others rely on your income or you’d leave debts behind, life insurance can provide financial security for your loved ones.
Do I need life insurance?
If others rely on your income or you’d leave debts behind, life insurance can provide financial security for your loved ones.
How much life insurance do I need?
A common rule is 7–10 times your annual income, but consider debts, future expenses, and your family’s needs.
How much life insurance do I need?
A common rule is 7–10 times your annual income, but consider debts, future expenses, and your family’s needs.
Can I get life insurance with health issues?
Yes, many insurers offer policies for those with health conditions, though premiums may be higher.
Can I get life insurance with health issues?
Yes, many insurers offer policies for those with health conditions, though premiums may be higher.
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What does car insurance cover?
It covers liability, collision, comprehensive, medical payments, and uninsured motorist damages.
What does car insurance cover?
It covers liability, collision, comprehensive, medical payments, and uninsured motorist damages.
What affects my car insurance rate?
Factors include age, driving record, credit score, vehicle type, and location.
What affects my car insurance rate?
Factors include age, driving record, credit score, vehicle type, and location.
Do I need uninsured motorist coverage?
Yes, it protects you if hit by a driver with no or insufficient insurance.
Do I need uninsured motorist coverage?
Yes, it protects you if hit by a driver with no or insufficient insurance.
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What is travel insurance?
Travel insurance covers unexpected losses during travel, like medical emergencies, trip cancellations, and lost luggage.
What is travel insurance?
Travel insurance covers unexpected losses during travel, like medical emergencies, trip cancellations, and lost luggage.
Do I need travel insurance for domestic trips?
For short domestic trips with refundable bookings and adequate health coverage, travel insurance may not be necessary.
Do I need travel insurance for domestic trips?
For short domestic trips with refundable bookings and adequate health coverage, travel insurance may not be necessary.
How much does travel insurance cost?
It typically costs 4-10% of your total prepaid, non-refundable trip expenses.
Does my credit card provide sufficient travel insurance?
Some credit cards offer travel coverage, but it may be limited; verify details before relying solely on it.
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What types of business insurance do I need?
Most businesses need general liability and property insurance; others may require workers’ comp, auto, or cyber coverage.
What types of business insurance do I need?
Most businesses need general liability and property insurance; others may require workers’ comp, auto, or cyber coverage.
Why do I need business insurance?
It protects against lawsuits, property damage, and unexpected losses that could threaten your business.
How much does business insurance cost?
Costs vary by industry, size, location, and coverage; bundling policies can offer savings.
Does homeowners insurance cover my home-based business?
Typically, no. Home policies often exclude business-related equipment and liability.
What types of business insurance are essential?
General liability, property, workers’ comp, and cyber liability are key, depending on your business type.
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What does homeowners insurance cover?
It covers your home’s structure, personal belongings, liability, and extra living costs after a covered loss.
How much coverage do I need?
Enough to rebuild your home and replace belongings at today’s costs; consider local building prices.
What's not covered by standard policies?
Floods, earthquakes, mold, pests, and wear-and-tear are usually excluded; separate policies may be needed.
What’s the difference between replacement cost and actual cash value?
Replacement cost pays full rebuild value; actual cash value subtracts depreciation, paying less.
How does my deductible affect my premium?
Higher deductibles lower premiums but increase out-of-pocket costs when filing a claim.
Do I need flood insurance?
Yes, if you’re in a flood-prone area; standard policies don’t cover flood damage.
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