Life insurance

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.