WINTERS INSURANCE GROUP Can Help You.
No one wants to think about the bad things that may happen in life. How will your family pay for your final expenses, or what would happen if you suffer a major medical diagnosis? Life is filled with uncertainties and risk. The right type of insurance policy can provide peace of mind and protection against these uncertainties, and insurance companies can be key to safeguarding your future.
Types of Health, Auto, Vision and Dental Insurance Policies Vary.
A major challenge in purchasing an insurance policy is understanding how different types of policies vary. Health insurance
may require an intense review of how much coverage you need, and full coverage auto insurance may be required by your lienholder. Vision and dental insurance may seem like afterthoughts, but they can come in handy when you have children or unexpected problems with your eyesight and teeth.
Each type of insurance policy varies, and the only way to ensure your family gets the coverage they need is by understanding specific policy limitations, benefits and exclusions, if applicable.
Insurance Riders May Be Necessary to Get the Coverage You Need.
Depending on the type of policy, additional insurance riders may be necessary. Individuals with a history of risky behavior may need additional riders to obtain auto insurance, and those with unique health and dental needs may require enhanced benefits or additional dental riders. Riders may be added onto a policy for an added charge, or they may be included with certain policy upgrades.
Certain Types of Insurance Are Required by the State or Federal Government.
Local, state and federal governments may also require people have certain types of insurance coverage. In Illinois, drivers must carry proof of auto insurance, reports the Illinois Department of Insurance
, including the minimum limits of liability, property damage, and uninsured/underinsured motorist bodily injury coverage. In addition, some cities may enact towing-enforced insurance coverage statutes which allows them to tow your car if you fail to maintain the appropriate level of coverage.
The affordable care act also requires individuals maintain health insurance, or else they face the possibility of a tax penalty. However, individuals that fall within certain income brackets may qualify for assistance in paying for health insurance or an exemption. The only way to know if you do qualify for any of these exemptions or subsidies lies in understanding how to navigate the complex insurance system of today. Fortunately, working with trusted insurance companies can simplify the process.
Working With Experienced, Trusted Insurance Companies Simplifies the Process.
An insurance company specializes in applying for the various types of insurance that suit your unique needs. While common types of policies may be available, it is possible to create custom insurance plans, and authorized insurance agents can handle the entire process for you. This ensures you get access to non-publicized rates, discounts or other incentives, which may be only available through an insurance agency.
Let Winters Insurance Group Go to Work for You, Protecting Yourself, Your Assets and Your Family.