Insurance

The basics

Term life is the easiest to understand and has the lowest cost. Whole life is the most well-known and simplest form of permanent life insurance coverage, which tends to be more expensive than term, but offers additional benefits. Other kinds of permanent life insurance include universal, variable and variable universal.
Knowing which of these health plans to choose ultimately boils down to individual preference. Health plans differ by their networks of health care providers and coverage limitation - HMO, PPO, EPO, POS.
Almost every state requires you to carry a minimum amount of auto insurance to cover the cost of damage or injuries caused by your car in accidents. Minimum requirements often include liability insurance, personal injury protection or medical payments, and uninsured or underinsured motorist coverage.
Standard renters insurance, known as an HO-4 policy, reimburses you for the loss or destruction of personal belongings from 16 specific events. They include fire, windstorm, theft, smoke and other events.