Whether you’re a first-time insurance buyer or someone looking to refresh their knowledge, this guide is here to equip you with the essential information you need to make informed decisions.
In this comprehensive guide, we’ll break down the fundamentals of insurance, explain common insurance terms, and provide tips for finding the right coverage for your needs. From auto and home insurance to life and health insurance, we cover it all.
Our goal is to make insurance less intimidating and more approachable. We believe that everyone deserves to understand the importance of protecting themselves and their loved ones from unexpected events. With our beginner-friendly approach and expert advice, we’ll empower you to make confident choices when it comes to insurance.
So, whether you’re looking to safeguard your car, home, or yourself, join us as we embark on this insurance journey together. Let’s dive in and unravel the complexities of insurance, one step at a time.
If you want to invest as an expat or high-net-worth individual, which is what i specialize in, you can email me (advice@adamfayed.com) or use WhatsApp (+44-7393-450-837).
Table of Contents
What is insurance?
Insurance is a mechanism that helps individuals and businesses protect themselves financially against the risks and uncertainties of life.
It is a contract between the policyholder (the person or entity seeking insurance) and the insurance company (the entity providing insurance coverage). The policyholder pays a premium, and in return, the insurance company agrees to compensate for covered losses or damages.
Insurance allows individuals and businesses to transfer the risk of potential financial loss to the insurance company. By paying a relatively small premium, policyholders gain peace of mind knowing that they are protected against significant financial burdens that could arise from unforeseen events.
Insurance is based on the principle of risk pooling. The insurance company collects premiums from a large number of policyholders and uses that money to pay for claims when they occur. This spreads the risk among a larger group of individuals, making it more affordable for everyone involved.
Insurance coverage can vary depending on the type of policy purchased. Some common types of insurance include auto insurance, home insurance, life insurance, health insurance, and liability insurance. Each type of insurance serves a specific purpose and provides coverage for different risks.
Why is insurance important?
Insurance is important because it provides financial protection and peace of mind in the face of unexpected events. Life is full of uncertainties, and insurance acts as a safety net, helping individuals and businesses recover from losses and damages.
One of the primary reasons insurance is important is that it helps mitigate financial risks. Whether it’s a car accident, a natural disaster, a medical emergency, or a lawsuit, insurance can help cover the associated costs, preventing individuals and businesses from facing significant financial hardships.
Insurance also promotes stability and economic growth. By transferring the risk of potential losses to the insurance company, individuals and businesses can operate with confidence, knowing that they are protected against unforeseen events. This encourages entrepreneurship, investment, and overall economic development.
Insurance plays a crucial role in society by providing financial support to individuals and families during difficult times. It can help replace lost income, pay for medical expenses, cover funeral costs, or ensure the financial stability of loved ones in the event of a tragedy.
In summary, insurance is important because it offers financial protection, promotes stability, and provides peace of mind. It allows individuals and businesses to transfer the risk of potential losses to the insurance company, ensuring that they are prepared for the uncertainties of life.
Different types of insurance
There are various types of insurance available to individuals and businesses, each serving a specific purpose and providing coverage for different risks. Understanding the different types of insurance can help you determine which ones are essential for your needs.
- Auto Insurance: Auto insurance provides coverage for vehicles against damages or theft and liabilities arising from accidents. It is mandatory in most countries and can help protect you financially in case of an accident or damage to your car.
- Home Insurance: Home insurance, also known as homeowner’s insurance, protects your home and its contents against damages or losses caused by perils such as fire, theft, vandalism, or natural disasters. It can also provide liability coverage in case someone gets injured on your property.
- Life Insurance: Life insurance provides financial protection to your loved ones in the event of your death. It pays out a lump sum or regular payments to your beneficiaries, helping them cover expenses such as funeral costs, outstanding debts, or lost income.
- Health Insurance: Health insurance covers medical expenses, including doctor visits, hospital stays, medications, and preventive care. It helps you manage the high costs of healthcare and ensures access to quality medical services when needed.
- Disability Insurance: Disability insurance provides income replacement if you become unable to work due to an illness or injury. It offers financial protection by replacing a portion of your income, ensuring you can meet your financial obligations during a period of disability.
- Liability Insurance: Liability insurance protects individuals and businesses against claims for bodily injury or property damage caused by their actions or negligence. It provides coverage for legal defense costs and settlements or judgments if you are found liable for someone else’s injuries or damages.
- Business Insurance: Business insurance covers the risks associated with running a business. It can include various types of coverage, such as property insurance, liability insurance, commercial auto insurance, workers’ compensation insurance, and professional liability insurance.
Understanding the different types of insurance is essential for choosing the right coverage that meets your specific needs. It’s important to assess your risks and determine the level of protection you require in each area of your life, whether it’s your car, home, health, or business.
Understanding your insurance policies
Insurance policies are legal contracts that outline the terms and conditions of the coverage provided by the insurance company. It’s crucial to understand the key components of an insurance policy to ensure you have the right coverage and know what to expect in the event of a claim.
The declarations page is the first page of the insurance policy and contains essential information such as the policyholder’s name, address, policy number, coverage limits, deductibles, and premium amount.
The insuring agreement states the scope of coverage provided by the insurance policy. It outlines what is covered, the risks insured against, and any exclusions or limitations that may apply.
The conditions section of the insurance policy outlines the rights and responsibilities of both the policyholder and the insurance company. It includes details about premium payment, cancellation or non-renewal of the policy, claims procedures, and other policy-specific requirements.
Exclusions are specific situations, events, or circumstances that are not covered by the insurance policy. It’s important to review the exclusions carefully to understand what risks are not protected.
A deductible is the amount the policyholder is responsible for paying out of pocket before the insurance coverage kicks in. Deductibles can vary depending on the type of insurance and the policy terms.
The limits of liability specify the maximum amount the insurance company will pay for covered losses or damages. It’s crucial to choose appropriate limits that adequately protect your financial interests.
Endorsements are modifications or additions to the standard insurance policy. They can provide additional coverage, exclude certain risks, or change the terms of the policy to better suit your needs.
In order to make educated selections and secure enough coverage, it is crucial to grasp the fundamentals of an insurance policy. This is why it is in your best interest to read your insurance thoroughly, clarify any points of confusion, and get expert help if necessary.
How to choose the right insurance coverage
Choosing the right insurance coverage can be a daunting task, but it’s essential to ensure you have adequate protection for your needs. Here are some steps to help you navigate the process and make informed decisions:
Assess your risks
Start by assessing the risks you face in each area of your life. Consider potential liabilities, the value of your assets, and the financial impact of potential losses. This will help you determine the types and levels of coverage you need.
Research different insurance providers
Take the time to research and compare insurance providers. Look for reputable companies with a strong financial standing and positive customer reviews. Consider factors such as customer service, claims process, and the range of coverage options they offer.
Understand policy terms and conditions
Carefully review the terms and conditions of each insurance policy you’re considering.
Pay attention to coverage limits, deductibles, exclusions, and any additional endorsements that may be available. Make sure the policy aligns with your specific needs and provides adequate protection.
Seek professional advice if needed
If you’re unsure about certain aspects of insurance or need help assessing your risks, consider seeking advice from insurance brokers or agents.
They can provide expert guidance and help you navigate the complexities of insurance.
Compare quotes
Obtain quotes from multiple insurance providers to compare prices and coverage options. While cost shouldn’t be the sole deciding factor, it’s important to find a balance between affordability and the level of protection provided.
Review and update your coverage regularly
Insurance needs can change over time, so it’s important to review your coverage regularly. Life events such as getting married, having children, buying a new home, or starting a business may require adjustments to your insurance coverage.
Choosing the right insurance coverage is a crucial step in protecting yourself, your loved ones, and your assets. By assessing your risks, researching insurance providers, understanding policy terms, seeking professional advice, comparing quotes, and regularly reviewing your coverage, you can make informed decisions that align with your needs and provide the necessary financial protection.
Tips for finding affordable insurance
Insurance is an essential aspect of financial planning, but it can also be a significant expense. Finding affordable insurance without compromising on coverage is possible. Here are some tips to help you save money on your insurance premiums:
- Shop around: Don’t settle for the first insurance policy you come across. Take the time to shop around and compare quotes from multiple insurance providers. Prices can vary significantly, so it’s important to explore your options.
- Bundle your policies: Many insurance companies offer multi-policy discounts if you purchase multiple types of coverage from them. Consider bundling your home and auto insurance, for example, to take advantage of potential discounts.
- Increase your deductibles: Opting for higher deductibles can lower your insurance premiums. However, make sure you can afford to pay the deductible out of pocket in the event of a claim.
- Maintain a good credit score: Insurance companies often consider your credit score when determining premiums. Maintaining a good credit score can help you qualify for lower rates.
- Take advantage of discounts: Insurance providers offer various discounts that can help reduce your premiums. These may include discounts for being a safe driver, having a security system in your home, or being a member of certain professional organizations.
- Consider your coverage needs: Review your coverage needs regularly to ensure you’re not over-insured. Assess whether you can reduce certain coverage limits or eliminate unnecessary coverage to save on premiums.
- Take steps to reduce risks: Insurance premiums are often based on risk factors. Taking steps to reduce risks can help lower your premiums. For example, installing safety features in your home or car, participating in defensive driving courses, or quitting smoking can result in lower insurance rates.
Finding reasonably priced insurance calls for some serious thought, investigation, and planning.
You can save money on insurance premiums without sacrificing the coverage you need by comparison shopping, bundling plans, raising deductibles, keeping a strong credit score, taking advantage of discounts, carefully analyzing coverage needs, and decreasing risks.
Common insurance terms you should know
Understanding common insurance terms is essential for navigating the world of insurance and making informed decisions. Here are some key terms you’re likely to encounter:
Premium: The premium is the amount you pay to the insurance company for coverage. It is typically paid on a monthly or annual basis.
Deductible: The deductible is the amount you must pay out of pocket before the insurance coverage kicks in. It can vary depending on the type of insurance and policy terms.
Claim: A claim is a request for compensation or reimbursement for covered losses or damages. When you file a claim, you’re asking the insurance company to honor the terms of your policy and provide the agreed-upon coverage.
Policyholder: The policyholder is the person or entity that owns the insurance policy. They are responsible for paying premiums and complying with the terms and conditions outlined in the policy.
Coverage Limit: The coverage limit is the maximum amount the insurance company will pay for covered losses or damages. It’s important to choose appropriate coverage limits that adequately protect your financial interests.
Exclusion: An exclusion is a specific situation, event, or circumstance that is not covered by the insurance policy. It’s important to review the exclusions carefully to understand what risks are not protected.
Endorsement: An endorsement is a modification or addition to the standard insurance policy. It can provide additional coverage, exclude certain risks, or change the terms of the policy to better suit your needs.
By familiarizing yourself with these terminology, you will be better able to understand your insurance policy, interact with your insurance provider, and settle any questions or concerns you may have.
Do not be afraid to contact your insurance company or a specialist for clarification on any terminology you do not understand.
Typical steps to take when filing an insurance claim
Filing an insurance claim can be a stressful and overwhelming process, but knowing what steps to take can help streamline the process and ensure a smoother experience. Here are some steps to follow when filing an insurance claim:
- Contact your insurance company: Notify your insurance company as soon as possible after the incident occurs. Provide them with all the necessary details, such as the date, time, and location of the incident, a description of what happened, and any relevant documentation or evidence.
- Document the damages or losses: Take photos or videos of the damages or losses, if applicable. This visual documentation can serve as evidence during the claims process.
- Fill out the claim form: Your insurance company will provide you with a claim form to complete. Fill out the form accurately and provide all the requested information. Be sure to include any supporting documentation, such as receipts, invoices, or police reports.
- Cooperate with the claims adjuster: Your insurance company may assign a claims adjuster to assess the damages or losses and determine the amount of compensation you’re entitled to. Cooperate with the claims adjuster by providing any requested information or documentation.
How much does health insurance cost in the US?
The Affordable Care Act (ACA), also known as Obamacare, has had a significant impact on health insurance in the United States. The ACA aimed to increase access to affordable health insurance and protect consumers from unfair insurance practices. Here are a few key provisions of the ACA:
- Pre-existing Conditions: Before the ACA, insurance companies could deny coverage or charge higher premiums based on pre-existing conditions. The ACA prohibits this practice, ensuring that individuals with pre-existing conditions have access to affordable coverage.
- Essential Health Benefits: The ACA mandates that all health insurance plans cover a set of essential health benefits, including preventive services, prescription drugs, maternity care, and mental health services. This ensures that individuals have access to comprehensive coverage.
- Subsidies and Tax Credits: The ACA provides subsidies and tax credits to help make health insurance more affordable for individuals and families with lower incomes. These financial assistance programs can significantly reduce the cost of premiums and out-of-pocket expenses.
- Individual Mandate: The ACA included an individual mandate that required most Americans to have health insurance or pay a penalty. However, this provision was repealed in 2019, eliminating the penalty for not having insurance.
There are several types of health insurance plans available in the United States, each with its own set of benefits and potential drawbacks. Understanding the differences between these plans can help you choose the one that best fits your needs.
- Employer-Sponsored Insurance: Many individuals receive health insurance through their employers. These plans are typically more affordable than individual plans because the employer pays a portion of the premium. However, you may have limited options in terms of coverage and network providers.
- Individual Plans: If you don’t have access to employer-sponsored insurance or prefer to purchase your own coverage, individual plans are available. These plans can be purchased through the Health Insurance Marketplace or directly from insurance companies. Individual plans offer more flexibility in terms of coverage and network options but can be more expensive.
- Medicaid: Medicaid is a government program that provides health insurance to low-income individuals and families. Eligibility is based on income and other factors, and coverage varies by state. Medicaid offers comprehensive coverage at a low cost, making it an essential resource for those who qualify.
- Medicare: Medicare is a federal health insurance program for individuals aged 65 and older, as well as certain younger individuals with disabilities.
It is divided into different parts, each covering specific services. Medicare provides essential healthcare coverage for seniors, but additional private plans may be needed to fill gaps in coverage.
Understanding global health insurance for expat families
It is even more crucial to have health insurance when traveling internationally. Your medical bills will be paid for regardless of where you are. Inpatient, outpatient, wellness, relocation, dental, and vision care are all frequently included, along with a slew of other perks.
In most cases, you can even keep your global plan active for as long as you choose by renewing it annually.
Having insurance allows you to receive medical treatment regardless of your location. The fact that you have access to it in times of crisis makes it all the more valuable. Having insurance in your place of residence as well as the countries you visit is a smart move.
If you have an all-inclusive global policy, you can pick the clinic or hospital where you receive care. Medical care in foreign countries can be quicker, more comprehensive, and better if you have international health insurance and can choose a private hospital rather than a public one.
You should know that having access to high-quality medical care is more than a luxury. Everyone should be aware of their right to such healthcare in order to put it into effect.
What makes the foundation and groundwork is what creates a flourishing society. Therefore, as the family is seen as the fundamental social unit, each and every family has a profound effect on our lives and the lives of others around us.
In this sense, we need to be in good shape on all fronts if we want to keep our family unit robust. Because of this, health care for all individuals is an absolute necessity.
Your family’s continued success depends on its members maintaining the strengths that have allowed you to gain influence, resources, and protection.
From the moment of your birth, your family’s primary responsibility will be to care for you. And then they show you the way, tell you what to do, and give you a place to live that will foster growth in every way.
Therefore, this demonstrates that caring for your health is not and will never be an individual issue. It is a responsibility that everyone has from the moment they are born. As a result, its influence might be either beneficial or detrimental.
But no one seeks out or wants a negative outcome. So what steps can you take to ensure you do not fall victim? Preventative measures.
Your preparedness is what will ultimately lead to a speedier resolution. That is why having easy access to quality healthcare has such an impact on a family’s capacity to fulfill these vital tasks in society.
Providing universal health care means that medical attention is not viewed as a privilege enjoyed by an elite few, but as a fundamental human right. It states that a person’s socioeconomic status, geographic location, or any other factor should not prevent them from receiving necessary medical care.
Therefore, in order to achieve this, the obstacles in its path must be removed. All of a society’s members can be put to good use. And this can only happen if individuals are not weighed down by preventable illnesses.
How important is health care for an expat family?
Imagine a household in which one member has a chronic illness that has worsened because they have been denied the primary care they require because of financial constraints.
The health and financial stability of the whole family is at stake, not just that of the one who is ill. The inability to secure necessary medications places additional burdens of guilt on other family members.
Every aspect of a family’s existence can be negatively impacted by issues such as emotional tension, financial stress, and stressful jobs.
Most families have similar aspirations and suffer similarly during difficult times. The wellbeing of each member of the family is intrinsically linked. And if one family member does not get the care they need, it affects the rest of the family as well.
That is why it is crucial that you are aware of the ways in which foreign health insurance might alleviate this pain if you are willing to give it some thought. Preventative measures and prompt treatment are emphasized.
When it comes to preventative care, such as annual physicals, immunizations, and lab work, your international health insurance plan will always take the lead. Most importantly, it alerts you to potential health issues so they can be diagnosed and treated before they worsen.
The value of universal health coverage for households must become clear and be given top priority as the globe develops.
People and their families regularly relocate across international borders for a variety of reasons. And when people from various backgrounds and ecosystems come together, it can potentially be harmful to their health. Preventing the spread of disease and protecting the health of families in various areas requires universal access to healthcare services that do not end at national borders.
What are the different types of global health insurance?
The term “global health coverage” encompasses a wide range of initiatives whose shared goal is to make sure that everyone, no matter where they reside, has easy access to the medical care they need. There are numerous approaches to international medical insurance:
Some countries provide universal access to publicly funded health care for its citizens. These approaches vary considerably with respect to their coverage, quality, and practicality. It is possible that locals and visitors alike will have access to low- or no-cost medical services.
Private Individuals and families that are living, working, or relocating internationally may qualify for international health insurance. All medical services, from checkups to hospital stays, are included. International health insurance schemes attract medical experts from all over the world.
Short-term travelers should purchase travel medical insurance to cover any unexpected medical costs they may incur while away from home.
Coverage for emergency medical care, transportation to a medical facility, and repatriation are all included in this plan, making it a top choice for those on the road.
Therefore, travel medical insurance still provides a guarantee and covers even brief visits like vacations, business travels, and other short trips.
Long-term international workers and their families may benefit from purchasing expatriate health insurance. The good news is that this includes comprehensive medical care, preventative measures, and access to medical professionals. You can get this anywhere in the world.
If a serious illness or accident occurs and care cannot be provided locally, emergency medical evacuation insurance can help cover the costs of transporting the patient to the nearest hospital. It is a common feature of international health plans and travel insurance.
Care before, during, and after delivery is covered by global maternity insurance for women who live abroad.
Insurance specifically designed to cover the medical needs of international students studying at accredited institutions around the world. You can get your medical costs covered. Injuries, illnesses, and the need for preventative medicine are all included. This ensures that students have access to medical care in their host nation.
Workers on ships, boats, or in the marine industry can get health insurance through a special program. It is tailor-made for seafarers and ensures everyone on board has access to quality healthcare.
Insurance policies that cover people all over the world often include coverage for telemedicine and other forms of remote medical care. With this coverage, you will be able to get the assistance and advice of top-notch doctors and other medical professionals.
Some nations have agreements with others that make it possible for its residents to receive healthcare in neighboring or cooperative nations while traveling to or living in a foreign nation.
Packages for medical tourists combine medical care and transportation arrangements for those in need of highly specialized medical procedures. Patients have the option of traveling abroad for treatment, which can save them money and introduce them to a different culture.
However, you should evaluate the worldwide health insurance options you are considering. You should be aware of how they function and how much they may vary depending on your current location, available insurance providers, and specific requirements.
It is crucial to carefully evaluate your options when picking a global health insurance plan.
Should you think about international health insurance coverage?
Having access to affordable health insurance as a family is crucial. The welfare of infants and their mothers is an especially compelling line of reasoning.
Below are a few insurance providers you might find when checking out international health insurance.
If families have access to comprehensive health coverage, they can preserve the health of expecting women, provide prenatal care, assure regular pediatric checks, and obtain other necessary maternal services.
Women expecting a child will have a more positive and wholesome experience with these initiatives in place. A healthy, happy, and well-supported mother is more likely to give birth to a healthy child.
The value of health insurance continues to be demonstrated through preventative care long after the infant years have passed. If you are wondering how to afford such regular examinations and tests, family health insurance policies may be able to help.
Family health insurance is an excellent investment in long-term financial security. The hefty cost of treatment for an unexpected medical emergency can place a serious strain on a family’s finances.
All-inclusive insurance acts as a safety net, shielding families from financially devastating expenditures. Having insurance can alleviate anxiety over the prospect of losing one’s financial footing in the face of adversity.
In order to achieve its lofty goals, family health insurance must look far into the future. It changes the economy and the educational system, which in turn affects the general populace. Healthier families have higher rates of school attendance and student involvement.
Employees’ productivity would be boosted without a doubt if they had access to such low-cost yet high-quality medical care. This demonstrates the extraordinary impact that insured family members will typically perform in boosting society prosperity.
What about group health insurance?
In contrast to individual health insurance policies, which are available to everyone who shops around in the market, group medical insurance is limited to the members or workers of the relevant group.
Due to the group health plan definition, additional names for this sort of protection have emerged, such as “employer group health insurance” and “small business health insurance.”
This sort of plan allows you to divide the cost of enrollment and premiums between your team or group of participants.
Each of your staff or associates is free to accept or decline the enrollment offer as they see fit. Group health insurance provides its members with advantages such as affordable premiums, manageable deductibles, and extensive protections.
Group health insurance plans are purchased by businesses and organizations to provide medical protection for its employees and members. Individuals are not eligible to participate in group health plans, only businesses.
Group health insurance requires members to share interests beyond a common need or desire for coverage. In general, two categories of policyholders exist.
The first type includes employer-employee groups, when all members are employed by the same business or NGO.
The second kind of group consists of persons who share commonalities such as membership in a professional society, employment at a single financial institution, membership in a similar fraternal organization, or banking needs.
Affinity group rules and employer-employee policies often include not just the employees or members, but also their spouses and dependent children.
Group health insurance is often offered as a benefit of membership in a particular group or as part of a package of employee perks.
Group health insurance is not available for direct enrollment. Just in groups, we can accomplish more. The persons the policy protects make contact with the insurance provider through the master policyholder, who may be the HR department of the organization.
Group health insurance plans differ in price, coverage options, insurance carrier, and other aspects, but they all share a few commonalities.
Each individual in the group can choose whether or not to participate in the coverage. Most policies for group health insurance require at least 70% of the group to opt in before they will be issued.
The premiums are shared between the insured and the business or organization.
Insured people can add their family members and dependents for a fee.
Group medical insurance plans are available to small businesses with as little as one full-time employee.
Employers with 50 or more full-time workers are required by the Affordable Care Act (ACA) to provide group medical insurance to their entire staff, but businesses with fewer than 50 full-time workers are exempt.
What is Jumbo Life Insurance?
While some jumbo insurance policies have face values as little as $1,000,000, others can be worth as much as $150,000,000, with the great majority having a face value between $5,000,000 and $20,000,000.
The intended clientele for Jumbo Insurance, which is expected to function as a crucial component of a comprehensive wealth management strategy, are high-net-worth individuals who are wanting to address asset distribution, succession planning, charitable giving, and estate planning protection.
A Jumbo Insurance policy may be covered by a consortium of insurers because to the high risk involved in covering a large sum for one person. This risk exceeds the risk tolerance of most insurance companies. This is because of the higher risk involved in buying an insurance policy for an individual.
High-net-worth individuals (HNWs) are typically chosen as the primary demographic for these insurance policies due to the high premium amounts involved and the potential advantages these policies bring in terms of gains and wealth management strategies.
What about auto insurance and other non-life insurance plans?
In the United Kingdom, auto insurance is mandatory for any vehicle owner. Those caught driving without insurance may have their licenses suspended and/or be required to pay fines.
Furthermore, auto insurance is important because it protects you financially if you damage your car, damage someone else’s property or vehicle, or injure someone with your car.
Insurance rates have dropped to their lowest level in five years, thanks to the reduction in the number of cars on the road caused by the pandemic. New legislation prohibiting insurers from providing different rates to current and new customers were likely to cause premium increases this year.
With so many alternatives, it might be difficult to narrow down your search for the ideal vehicle insurance company in the United Kingdom.
Policy shoppers frequently utilize insurance comparison platforms. Keep in mind that when picking an insurer, you should look for one that gives the best coverage at a reasonable price, has a streamlined claims process, and makes it simple to view and make changes to your policies and make payments.
There is a wide range of companies offering car insurance in the UK, so it is important to find one you can trust.
Key Takeaways
Insurance is an essential part of our daily life, expat, high-net-worth individual, or otherwise. It gives us security and safeguards us against unforeseen financial risks.
Making educated judgments about insurance requires familiarity with the different kinds of policies out there, the coverage they provide, and the factors that determine their cost.
You can get the protection you need at a price you can afford if you take the time to learn about your options, compare quotes from many providers, and consult an expert when necessary.
To ensure that your insurance continues to match your needs, it is important to examine your policy on a frequent basis and get the advice of a trusted and qualified professional.
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Adam is an internationally recognised author on financial matters, with over 760.2 million answer views on Quora.com, a widely sold book on Amazon, and a contributor on Forbes.
