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Date
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Item
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Actions
Needed
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Taking
Action
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Articles
From
Library
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__/__
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Homeowners
or renters insurance.
Insuring
your home and its contents is a must. Here are some items to consider:
Do you have
an inventory of your belongings and where is it?
Does the policy
cover the cost of replacement or just the cash value of items?
Should you increase
the deductible to reduce the premium level?
|
1.
2.
3.
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Meet with an
insurance professional to review all your homeowners, auto and life
insurance needs.
|
What
to Look For in a Homeowners or Renters Insurance Policy
Review
Your Insurance Deductibles
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|
__/__
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Auto insurance.
Does
your collusion and comprehensive coverage reflect the value of your
auto?
Are you taking
the highest level of liability coverage?
Are you taking
advantage of any security system or good student discounts that
may be available?
Should you increase
the deductibles to reduce your premium level?
|
1.
2.
3.
|
Meet with an
insurance professional to review all your homeowners, auto and life
insurance needs.
|
Understanding
Auto Insurance
Review
Your Insurance Deductibles
|
|
__/__
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Umbrella
liability insurance.
Extra
coverage, beyond what is included in your homeowners and auto policies,
is usually available at very reasonable rates.
Do you have
enough coverage?
|
1.
2.
3.
|
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Umbrella
Insurance Policies |
|
__/__
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Health insurance.
If
provided by your employer, are you taking full advantage of it?
Have you chosen
deductibles that are reasonable in relation to your needs to keep
premiums as low as possible?
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1.
2.
3.
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__/__
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Disability
insurance.
Do
you have adequate short-term and long-term coverage?
Be sure to understand
all the details such as waiting periods, disability definitions
and any total limits.
|
1.
2.
3.
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Disability
Insurance |
|
__/__
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Long-term
care insurance.
Many
start looking at long-term care policies at about age 50. With rising
nursing home costs, it may be prudent to review this type of protection.
|
1.
2.
3.
|
Meet with an
insurance professional to review all your homeowners, auto and life
insurance needs.
|
Long
Term Care Insurance |
|
__/__
|
Life insurance.
Are
you taking advantage of employer sponsored coverage or that available
through a professional organization?
If purchasing
individual coverage, do you have enough? Many suggest that the primary
breadwinners should have insurance equal to 6 to 10 times their
annual incomes.
Have you considered
whether term or whole life (cash surrender value) policies provide
the right combination of coverage and financial security?
|
1.
2.
3.
|
Meet with an
insurance professional to review all your current coverage and determine
if it is adequate.
|
Understanding
and Evaluating Life Insurance
Getting
the Life Insurance You Need
|
|
__/__
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Your insurance
agent.
Have
you considered consolidating your insurance relationships with one
company to get reduced premiums and preferential service?
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1.
2.
3.
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__/__
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Your insurance
company.
Review
the financial status of all your insurance companies. Information
is probably available from your agent, at your library or on the
Internet. You want to be sure the company will be around if you
need them.
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1.
2.
3.
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