Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holder's death. In general, it is an essential component in planning for the future. There are many options with coverage, depending on your situation. The three main categories of life insurance are: term life, universal life, and whole life insurance.
Disability coverage provides wage replacement to individuals who experience wage loss due to a disability. For more information click on Disability Insurance/Income protection.
Accidental Death and Dismemberment insurance provides protection in cases of serious injury or death resulting from an accident.
Dental Insurance behaves much like health/medical insurance, with deductibles and co-payments, as well as HMO's, PPO's and Traditional coverage. Dental plans usually cover three different areas in different ways; Preventive, Restorative, Constructive.
It ultimately pays dividends in the long run by: