[vc_row full_width=”stretch_row” kd_background_image_position=”vc_row-bg-position-top” kd_background_overlay=”true” css=”.vc_custom_1678733412490{margin-left: -50px !important;padding-top: 125px !important;padding-bottom: 25px !important;}”][vc_column][vc_row_inner kd_background_image_position=”vc_row-bg-position-top”][vc_column_inner width=”7/12″][tek_sectiontitle st_title=”Search our knowledge base” st_title_tag=”” st_subtitle_tag=”” st_subtitle_position=”subtitle-below-title” st_title_size=”36px” st_title_line_height=”46px” st_title_font_weight=”” st_separator_enable=”separator_off” st_text_align=”text-left” st_width=”st_fullwidth”][vc_wp_search][/vc_column_inner][vc_column_inner width=”1/4″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678733404937{margin-top: 40px !important;margin-left: -50px !important;}”][vc_column width=”1/3″ offset=”vc_col-lg-offset-0″][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678311577548{padding-right: 50px !important;padding-bottom: 25px !important;}”][vc_column_inner][tek_button button_text=”Find an Agent” button_style=”tt_primary_button” button_color_scheme=”btn_primary_color” button_hover_state=”” button_icon_bool=”yes” button_icon_position=”icon_left” button_icon_size=”20px” button_action=”panel-trigger-btn” button_width=”300px” button_position=”button-center” icons=”fas fa-headset”][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678311582961{padding-right: 50px !important;}”][vc_column_inner][vc_widget_sidebar sidebar_id=”shop-sidebar”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width=”2/3″ css=”.vc_custom_1678733506736{margin-left: -25px !important;padding-left: 0px !important;}”][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678343298437{margin-left: 0px !important;padding-left: 0px !important;}”][vc_column_inner css=”.vc_custom_1678315637735{padding-right: 0px !important;}”][vc_column_text]AUTO INSURANCE[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top”][vc_column_inner css=”.vc_custom_1678342270832{padding-left: 0px !important;}”][vc_toggle title=”Collision Insurance: What is collision insurance and what does it cover?” css_animation=”none”]Collision Insurance covers the cost of repairing or replacing your own car if it is damaged in a collision with another vehicle or object.[/vc_toggle][vc_toggle title=”Comprehensive Insurance: What is comprehensive insurance and what does it cover?” css_animation=”none”]Comprehensive insurance is an optional coverage type, but they can be a good idea if you want extra protection for your own vehicle. If you have a newer or more expensive car, collision and comprehensive insurance can provide peace of mind and help cover the cost of repairs or replacement if your car is damaged or stolen.[/vc_toggle][vc_toggle title=”Liability Insurance: What is liability insurance and what does it cover?” css_animation=”none”]Liability Insurance covers the costs of damage or injury you cause to others while driving. It typically includes both bodily injury and property damage liability. Bodily injury liability covers the medical expenses, lost wages, and other damages of other people injured in an accident that you caused. Property damage liability covers the cost of repairs or replacement of other people’s property that you damaged in an accident, such as a car or a fence.[/vc_toggle][vc_toggle title=”Uninsured or Underinsured Insurance: What is uninsured motorist insurance?” css_animation=”none”]Uninsured/underinsured motorist insurance is optional, but it can be a good idea if you want extra protection in case you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages.[/vc_toggle][vc_toggle title=”How to determine the type of coverage you need for your vehicle.” css_animation=”none”]Ultimately, the types of car insurance you need depend on your individual needs, budget, and level of risk tolerance. It’s a good idea to review your car insurance policy with your insurance agent and make sure you have the coverage you need.[/vc_toggle][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678343290525{margin-left: 0px !important;padding-left: 0px !important;}”][vc_column_inner css=”.vc_custom_1678315637735{padding-right: 0px !important;}”][vc_column_text]HEALTH INSURANCE[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top”][vc_column_inner css=”.vc_custom_1678342270832{padding-left: 0px !important;}”][vc_toggle title=”Pre-Existing Conditions:” css_animation=”none”]A pre-existing condition is a health condition that an insured person had before they enrolled in their current health insurance plan.[/vc_toggle][vc_toggle title=”Health Insurance Plans:” css_animation=”none”]There are several types of health insurance plans, including HMOs, PPOs, POS plans, and catastrophic health insurance plans.[/vc_toggle][vc_toggle title=”In-Network Providers:” css_animation=”none”]An in-network provider is a healthcare provider who has contracted with an insurance company to provide services to its members at a discounted rate.[/vc_toggle][vc_toggle title=”Out-of-Network Providers:” css_animation=”none”]These are providers that do not have a contract with your insurance company. If you receive covered services from an out- of-network provider, the insurance company may pay only a part or none of the charges depending upon the terms of your policy.[/vc_toggle][vc_toggle title=”Open Enrollment Period:” css_animation=”none”]Open enrollment is the period of time each year when people can enroll in or change their health insurance plans.[/vc_toggle][vc_toggle title=”Out-of-Pocket Maximums:” css_animation=”none”]An out-of-pocket maximum is the maximum amount of money that an insured person will be responsible for paying for covered medical expenses during a given period of time, usually a year.[/vc_toggle][vc_toggle title=”Health Savings Account (HSA):” css_animation=”none”]An HSA is a tax-advantaged savings account that can be used to pay for medical expenses. It is available to people who are enrolled in a high-deductible health plan (HDHP).[/vc_toggle][vc_toggle title=”Affordable Care Act (ACA):” css_animation=”none”]
The Affordable Care Act (ACA) provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available.
Under the ACA:
- You may be able to purchase health care coverage through a state or federal marketplace that offers a choice of plans.
- Insurers can’t refuse coverage based on gender or a pre-existing condition.
- There are no lifetime or annual limits on coverage.
- Young adults can stay on their family’s insurance plan until age 26.
- Seniors who hit the Medicare Prescription Drug Plan coverage gap or “donut hole” can get a discount on medications.
[/vc_toggle][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678343283003{margin-left: 0px !important;padding-left: 0px !important;}”][vc_column_inner css=”.vc_custom_1678315637735{padding-right: 0px !important;}”][vc_column_text]HOME INSURANCE[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top”][vc_column_inner css=”.vc_custom_1678342270832{padding-left: 0px !important;}”][vc_toggle title=”Homeowners Insurance:” css_animation=”none”]Ultimately, the types of car insurance you need depend on your individual needs, budget, and level of risk tolerance. It’s a good idea to review your car insurance policy with your insurance agent and make sure you have the coverage you need.[/vc_toggle][vc_toggle title=”Coverage for Personal Belongings:” css_animation=”none”]Home insurance also covers the cost of replacing personal belongings that are damaged, destroyed, or stolen. This includes items such as furniture, electronics, jewelry, and clothing.[/vc_toggle][vc_toggle title=”Protection of your Property:” css_animation=”none”]Home insurance covers the cost of repairing or rebuilding your home in the event of damage or destruction. This includes damage caused by natural disasters such as hurricanes, earthquakes, and fires, as well as damage caused by human error, such as accidental fires. With home insurance, you can rest assured that your home and its contents will be protected.[/vc_toggle][vc_toggle title=”Liability Protection:” css_animation=”none”]Home insurance provides coverage for accidents that occur on your property, such as a slip and fall, that result in injury to others. This coverage can pay for medical expenses and legal fees in the event of a lawsuit.[/vc_toggle][vc_toggle title=”Additional Living Expenses:” css_animation=”none”]In the event of a covered loss, such as a fire, home insurance can provide coverage for additional living expenses such as temporary housing and food. This can help alleviate the financial burden of finding a place to stay and feed your family during the time your home is being repaired or rebuilt.[/vc_toggle][vc_toggle title=”Customizable Coverage Options:” css_animation=”none”]In addition to the benefits mentioned above, home insurance also offers customizable coverage options. For example, you can choose to add coverage for specific items such as valuable jewelry or artwork, or opt for increased liability coverage.[/vc_toggle][vc_toggle title=”Renters Insurance:” css_animation=”none”]Ultimately, the types of car insurance you need depend on your individual needs, budget, and level of risk tolerance. It’s a good idea to review your car insurance policy with your insurance agent and make sure you have the coverage you need.[/vc_toggle][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1678343275884{margin-left: 0px !important;padding-left: 0px !important;}”][vc_column_inner css=”.vc_custom_1678315637735{padding-right: 0px !important;}”][vc_column_text]LIFE INSURANCE[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner kd_background_image_position=”vc_row-bg-position-top”][vc_column_inner css=”.vc_custom_1678342270832{padding-left: 0px !important;}”][vc_toggle title=”Term-life Insurance:” css_animation=”none”]
The benefits of term life insurance include:
[/vc_toggle][vc_toggle title=”Whole-life Insurance:” css_animation=”none”]
The benefits of whole life insurance include:
[/vc_toggle][vc_toggle title=”Final-Expense Insurance:” css_animation=”none”]
[/vc_toggle][vc_toggle title=”How to choose a life insurance policy?” css_animation=”none”]To choose a life insurance policy, consider your budget, coverage needs, and financial goals. It’s also important to research different insurers and policies, compare quotes, and read reviews from other policyholders.[/vc_toggle][vc_toggle title=”Are Life Insurance Benefits Taxable?” css_animation=”none”]In general, life insurance benefits are not taxable as income for the beneficiaries. However, if the death benefit is paid out as a lump sum and earns interest, the interest may be taxable.[/vc_toggle][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row kd_background_image_position=”vc_row-bg-position-top”][vc_column][vc_empty_space height=”80px”][/vc_column][/vc_row]