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103 N Main Street

PO Box 22

Dieterich, IL 62424

217-925-5165



 
  


Life Insurance
Today almost everybody knows about this policy and people are even aware of the importance of life insurance. Life insurance as understood covers your life in case of any mishappening. People take this policy so that if something happen to their life then their family would have something to survive. The money you invest in Life insurance will come back to you only after maturity or in case of death of the insured person. The following things need to be taken into consideration when choosing a life insurance plan.
  
  • The policy should be in a person's name that is the earning member of the family since that person will have to pay the premium amount of the insurance
  • .
  • Don't take the policy out in your children's name(s), take the policy for the benefit of your children
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  • Always keep the insurance amount less so that you can invest in other financial plans.
  • Never take an expensive plan like credit or mortgage life insurance, instead always go for general term life insurance.
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  • Discuss each and everything about the policy from the agent who is giving you the policy; for instance, for how much amount you are covered and how much you will get at the time of maturity. What would be the premium annually, half yearly, quarterly or monthly etc?
  • .


Home Insurance
If you have your own house and you want to get recovery from any kind of damage to your house then you should take this insurance. People take this insurance to protect against damage from any kind of natural disaster. All insurance companies have different rating for the insurance they provide, so you need to check which ratings are standard for each company.
  • While choosing a plan, check what is covered in the policy apart from the house, for example garage etc.
  • There are two types of coverage: resale cost and rebuild cost. Rebuild is a bit expensive but provides better coverage.
  • Some standard policies include household goods, but some do not.  In that case you can cover household goods by paying extra premium. Make sure the coverage has replacement value.


Vehicle Insurance
These days there is such a crowd on the road in big cities and in small towns as well.  By law, people must buy liability coverage for any vehicle they own, but may also choose to buy coverage for any damage to their own vehicle.


So there are so many types of insurance available and you can take them as per your needs but check thoroughly all the documents, terms and condition while taking any kind of policy.





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