Family Health and Fitness

Insurance Plans that Your Family Should Think About

Insurance helps to protect what is most important to you. If things go wrong, insurance can be a big help in making them right again. To protect you and your family, make sure to have the proper insurance plans in place. These are just a few of the insurance options that might help your family.

Disability Insurance

If you already have a disability, or if you become disabled, it can leave you unable to complete your normal work. The financial consequences of being unable to work can be catastrophic. If you purchase disability insurance, your policy can cover part of your lost pay. You may think this is something you’ll never need to deal with, but studies show that those who are 20 years old now have a 30% chance of becoming disabled before they reach the age of retirement. There are two types of disability insurance policies based on how long you’ll need coverage. Short-term coverage covers your pay from missing work for 60-180 days. Long-term plans cover you for extended periods of time, up to the rest of your life. 

Dental Insurance

The chances are good that at some point, someone in your family will require orthodontic care or other major dental work. These can be incredibly expensive, and make your financial situation more difficult. However, having a good dental insurance plan can be a big help. Your dental insurance can help cover some of these big costs. If your child needs braces, or any type of extensive dental surgery, dental insurance can cover up to 100% of the costs. However, dental insurance also helps with the regular costs of dental health. A dental discount plan may be a good alternative to insurance. A dental savings plan means no copays and no deductibles, and can save you 10-60% of the costs of regular dental care. 

Homeowners Insurance

Homeowners insurance protects your home and your belongings in the case of disaster. In the case of a fire, or a flood, or another type of emergency, homeowners insurance will cover the cost of the damage. There’s no saying when an emergency could occur, and it’s always good to be prepared for whatever may happen. Homeowners insurance also takes care of liability. If someone gets injured on your property, the insurance saves you from any legal retribution. This insurance option helps save you from a lot of possible trouble.

Insurance helps protect you and your possessions when things get difficult. Types of insurance range from health to property, and more. These are just a few of the most helpful insurance options for you and your family.

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