Life & Health Insurance
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Life & Health Insurance Information
Your health and wellness are integral to your current lifestyle and prospects and may also significantly impact the financial stability of your loved ones. However, even if you’re fully dedicated to taking care of yourself and avoiding dangerous situations, accidents, injuries and illnesses may impact you and your family. Considering this unfortunate reality, ample planning, including retaining appropriate insurance, is necessary.
How Health Insurance Works
Health insurance is one of the most important investments you and your family may ever make. These policies come in many forms but generally limit out-of-pocket expenses as you seek medical or preventive care. You can often acquire coverage through your employer, but you might also choose to explore the Health Insurance Marketplace or private health insurance providers for individual or family plans tailored to your needs.
Regardless of how you procure coverage, health insurance policies establish a contract. In exchange for your premiums, your insurance company agrees to cover certain portions of qualifying medical bills. Before receiving aid for covered services, you may need to reach your deductible, which establishes a minimum amount that must be paid out of pocket before your insurance will begin to contribute. However, certain services, such as vaccinations and regular checkups, may be exempt from your deductible. You are also responsible for paying copays, which are flat fees established for specific services.
How Life Insurance Works
Life insurance can be critical in ensuring an insured’s family members are provided for. Should an insured person die while a life insurance policy is active, their beneficiaries may receive a payout to assist with financial losses and ongoing expenses. This can be crucial, as those left behind may need to make up for the lost income of their departed loved one, as well as account for various expenses, including funeral costs and outstanding debts. There are many types of life insurance plans; policies are generally classified as term life insurance and permanent life insurance, with the former lasting a set period of time and the latter potentially extending through the rest of an insured’s lifespan.
Are Life and Health Insurance the Same?
No, while health and life insurance may be crucial in providing financial support following an insured’s health crisis, they are not the same and are sold as separate products. As such, if you are seeking to establish comprehensive financial security for your loved ones, you should strongly consider exploring and procuring both types of coverage.
We’re Here to Help
At Nauertz Insurance Agency, we are committed to serving families and individuals in the Upland, La Verne and Rancho Cucamonga areas. Contact us today to get started.
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