Insurance is a good guarantee of financial security in the U.S. The states partially compatible with people who have health problems or job loss, however, do not wait for the government’s attention at once if the aid is required. Independent insurance for health, life, machinery and real estate is the best way to take care of itself.
Health Insurance
Now in the U.S. No government programs on universal health insurance. People are older than 65 years and some of those disabled children can receive medical care within the Medicare program. Most Americans secure health at the expense of employers.
Most Americans secure health at the expense of employers. Full-time workers are more favorable position to receive full insurance at the expense of the employer. Thus, it is customary insurance covers not only the worker but also to members of his family. Conditions of such insurance rather favorable usual.
The problem arises in case of job loss. For the current position with the name of “COBRA”, the dismissals can book safe working conditions. However, they must pay in full, including the part previously paid by the employer. It often happens that it is too expensive for the person who just lost the job.
One of the most typical insurance arises in a case if you already have health problems. Generally, insurance companies try to reduce risks at the expense of insurance except existing diseases. As a result, the person will be secured against potential health problems in the future, but are required to pay for treatment before disease development.
If you work in you or do not work, in general, you should try to acquire personal insurance. There are many companies offering various conditions of insurance. Do not be too lazy to waste time on in-depth examination of tenders and arrange appropriate insurance company with a reputation for reliability.
Life insurance
If you have unexpectedly died today, could be your family without your salary? Your children can finish college? They could pay all your debts? Could pay funeral? The purpose of life insurance – to justify the implementation of these requirements in the event of your death.
There are two main views of life insurance. The most popular is called a safe run. The insurance company sets the fixed annual payment may be brought monthly or quarterly. The size of contributions depends on your age, health status, desirable area of insurance cover and other factors. The insurance is paid in the event of his death on the validity of what is normal is 20 and 30 years. Your beneficiaries receive the amount specified in the agreement.
The second type of life insurance is called INT. In this case at every stage of your monthly or annual pay rate. It is very similar to an accumulation account in the bank. In addition, the possible sum of insurance payments gradually increases. But this type of insurance is more expensive than regular term costs.
Car Insurance
Statistics show that in everyday life occupation is dangerous driving. According to the Ministry of Transport of the USA in 2006 in traffic accidents in the country had lost more than 42,000 people. This does not include a lot of people who suffered trauma and maiming one and does not reflect the loss amounts-strong property damage.
Auto insurance is good it is absolutely necessary, both for their protection, and protection of the other participants of traffic. In many states the availability of automobile insurance is mandatory. “Complete” (full coverage) insurance policy covers damage not only your vehicle, but also a loss to another machine or other property remains after the accident. “The full” insurance also covers the costs related to accidents in treatment, and even the payments in case of destruction.
In the absence of insurance runs the risk of being obliged to repay the cost of repair of a car and expenses in treating the victim. So try to find car insurance in good company with good reputation. While the insurance option will give you additional benefits, for example, can tow without the defective car.
Home insurance
As you know, people in the U.S. often face hurricanes, tornadoes, floods and earthquakes. Furthermore, in the U.S. the number of home fires is very great. According to official statistics, in 2006 412500 houses have suffered fires. In the fires were lost over 2500 people, real fire damages in the amount of $ 7 million.
For most Americans owned their own house is a sign of prosperity. Now try to present the owner if it is damaged by a natural disaster or house fire not feels assured. Home insurance is common in the obligatory condition that it is a home purchase loan. Many variants of homeowners insurance also cover these cases, such as thefts, accidents, damages due to problems with electricity and a water pipe.
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