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• Annuities
• Auto Insurance
• Business Insurance
• Dental Insurance
• Employment/Disability
• Estate Planning
• Farm Insurance
• Group Insurance
• Health Insurance
• Home Insurance
• Hospital Insurance
• Life Insurance
• Pension/IRA
• Risk Management

Annuities - An Annuity in essence is an investment you make through your insurance carrier.  The basic way it works is that you give so much money to your provider as an investment.  Once you reach a certain age you may receive regular payments.  Payments either continue until one passes on or if determined ahead of time, may be allotted to beneficiaries for a certain amount of time.  Annuities are most popular and practical for those nearing retirement age.

Auto Insurance - Auto Insurance is required in most states.  However, the amount of coverage varies.  There is usually a minimum requirement by a state and then further insurance is up to the consumer.  Auto Insurance can help with both medical needs and car repairs if an accident occurs.  Liability insurance is the most basic which covers the needs of the other driver if the accident is your fault.   Other additions vary to what is available from your provider and what you are interested in securing.

Business Insurance - There are three basic types of Business Insurance: property, liability and workers' compensation.  Property usually covers anything owned by the business from the building to its computers.  Liability is a protection in case of a law suit against the company.  Finally, workers' compensation, which is required, covers employees who may get job-related illnesses or injuries.  You may also want to check into a Business Owners Policy which has a broad coverage at affordable rates.

Dental Insurance - Dental Insurance is important for all your cleaning and surgery needs.  Whether its a annual cleaning or removing wisdom teeth, Dental Insurance can help.  Dental Insurance is not always the easiest or the cheapest to get.  You should assess you needs for aid in dental expenses before deciding on a plan.

Employment/Disability - Employment/Disability Insurance pays the insured in the event they cannot work because of illness or injury.  Usually the amount received is based off a percentage of the insured's usual income.  Sometimes covered by an employer, it can be covered through other means as well.

Estate Planning - Estate Planning usually involves both insurance agents and attorneys.  The idea is to plan for estate expenses in life and at the time of death.  It also includes providing income to family members, disposition of a business and distributing assets to family members and other heirs at the time of death.

Farm Insurance - Farm Insurance works like home insurance in that it covers both your residence and personal property.  However, Farm Insurance also covers farming operations, buildings, equipment, livestock and farm liability.  Again, coverage may vary according to your needs and risks.

Group Insurance - Group Insurance is usually provided through a business.  Coverage can be anything from health insurance to life insurance.  One benefit of group coverage is that there is usually not a medical requirement to obtain the coverage.

Health Insurance - Health Insurance is undoubtedly very important.  If you become injured or seriously ill, Health Insurance will help tremendously.  Also note, your medical history will play a factor in the cost and coverage of insurance.  However, many different coverage plans are available to individuals and groups.

Home Insurance - Home Insurance coverage varies upon the consumer.  The policy usually covers the home itself and personal belongings inside.  However, every policy is different, you may be covered from vandalism but not from flooding.  Calculate the risks in your area and what you may need - if you don't live near a volcano, its doubtful you'll need protection from one J

Hospital Insurance - Hospital Insurance is usually part of a health insurance policy.  Hospital Insurance helps in the costs accumulated while being treated at the hospital.  It is, needless to say, a very important aid and protection for any of your unforeseen health needs.

Life Insurance - Life Insurance is basically coverage for beneficiaries at the death of the policy holder.  Policies may be renewed (usually annually) or may be permanent and cover your entire life span.  Depending on the policy you choose, it is important to check your life insurance carrier.  Since the policy will not come into effect for many years to come, you want to make sure your insurance carrier has a good standing and will be around.  Also, keep in mind that every insurer has their own medical requirements and you may need to research their varying terms.

Pension/IRA - Pensions and Individual Retirement Annuities (IRA) are popular forms of annuities.  Basically, you invest your money to be withdrawn later at retirement.  As with all annuities, they are not taxed until withdrawn.  You may receive your payment in either cash or other means as well.

Risk Management - Risk Management is usually used by businesses uncertain about their future endeavors.  Coverage for risk is not easy to determine.  A business must determine likely sources of financial loss, estimating the amount the loss might cost and decide ways to minimize potential losses.