Product Highlights

Each year, more cars and drivers hit the road. With so many vehicles on the road, wrecks will happen. Auto insurance can be the difference between a slight inconvenience and a huge hassle. But why do you need insurance and just how much should you buy?

Auto insurance protects you by paying for damage or injury you cause others while driving your automobile, damage to your automobile or injury to you or your passengers in your car from a crash, plus certain other occurrences, such as theft. Auto insurance is required by law in every state and province. Without insurance, you risk having to pay the full cost of any accident you cause others or of repairing or replacing your car if it is damaged or stolen.

Coverage requirements vary by state/province but usually include the following:

Liability: Covers damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical bills, lost pay and pain and suffering. Property damage includes damaged property and loss of use of property. If you are sued, it also pays your attorney fees and court costs. State laws usually mandate minimum amounts, but higher amounts are offered and usually recommended.
Personal injury protection: This is required in some states and is optional in others. It pays you or your passengers for medical care resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum amounts.
Medical payments: This coverage is offered in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision: This pays for damage to your car caused by an accident.
Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism.
Uninsured motorist: This covers damages when an insured person is injured in a wreck caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver).
Underinsured motorist: This covers damages when an insured person is injured in an accident caused by another person who does not have sufficient liability insurance to cover the full amount of the damages.

Additional coverages, such as emergency road service and car rental is also available.

What you pay for auto insurance will differ by company and will depend on several factors, including:
* What coverage you select
* The make and model of the vehicle you drive
* Your driving record
* Your age, sex and marital status and
* Where you live
Many people think of auto insurance as a necessary evil, but it can save your financial well-being. Evaluate your needs, do your research and with the help of your insurance agent make the decision that best suits you.

Life insurance is a sensible way to protect your family’s financial hopes and dreams, yet millions of Americans have no life insurance coverage!

In fact,, only 53 percent of adult Americans have life insurance coverage. Less than half of those are individual policies, while others rely on group insurance, leaving them underinsured as well as helpless to being uninsured if they lose their job.

Purchasing a life insurance policy allows you to know your family will be taken care of. Knowing that there will be funds available for your final expenses, the mortgage and income replacement after you are gone can be a great comfort to your spouse or loved ones.
Losing a family member is devastating to survivors emotionally and financially. Life insurance can provide funds to help with:
* Immediate needs, including funeral expenses, unpaid medical bills and taxes.
* Income replacement – to allow your family the chance to continue living the life to which they are accustomed to living.
* Long-term needs, including the costs associated with maintaining your home, including child care, home maintenance, and extended care for a disabled child or elderly parent.
* Life insurance is not for people who die, it's for the people who live. According to a study by LIMRA, 45 percent of widows and 37 percent of widowers said their spouse had been inadequately insured. Most households hit by a premature death saw a minimum 15 percent drop in income.
* When you purchase a life insurance policy, your primary thought is: security for your family and beneficiaries if a tragedy happens.
By planning for the inevitable now, your loved ones can be cared for in the future.