Chapter 22. Buying Insurance
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1 Chapter 22 Buying Insurance
2 Section 1 Insurance Basics I will be able to list some ways to lower insurance costs.
3 The Language of Insurance 1. Insurance policy Policyholder 2. Insurance coverage Exclusions 3. Benefit and Beneficiary 4. Premiums 5. Deductibles 6. Claim
4 Kinds of Insurance Marine Body Parts (Dancer s, Pianists)
5 Government Insurance Programs Unemployment Insurance Workers Compensation Medicaid Medicare
6 Holding Down Insurance Costs Shop around Type of Insurance Make calls or check internet Deductibles Don t buy more coverage than you need
7 Section 2 Home and Automobile Insurance
8 Home Insurance Home Renter s insurance Homeowner s insurance Supplemental Insurance
9 Inventory Of Personal Property Item Purchase Price Date Of Purchase Item Purchase Price Date of Purchase Electronic Items Collections TV Baseball Cards CD Player Guns Stereo Other Valuables Camera Furniture Computer Silverware, Dishes, Glassware Jewelry Electrical Appliances Watch Linens Rings Collections Sports
10 Automobile Insurance Automobile Mandatory
11 Automobile Insurance Types of Coverage Liability Insurance Medical Payment Insurance Collision Insurance Handling Accidents 1. Stay Calm 2. Check For Injuries 3. Report the accident 4. Record Important Information 5. Report the accident Comprehensive Insurance Uninsured Motorist Insurance
12 Systems of Automobile Insurance No Fault System
13 Buying Automobile Insurance Shop around Drive Carefully Take driver s education classes Buy only the coverage you need Raise your deductibles Take advantage of insurance discounts.
14 Buying Automobile Insurance Example Of Auto Insurance Discounts Defensive Driving Airbags Drug/Alcohol Education Antitheft Devices Two or more cars on 10% discount on liability, collision, medical payments, and personal injury protection. 15% discount on medical payments and personal injury protection (driver s side), 30% discount on medical payments, and personal injury protection. 15% discount on liability, collision, medical payments, and personal injury protection. Reduces comprehensive premium; amount of discount varies by device and county. 5% discount on liability, collision, medical payments, and personal injury
15 Section 3 Health and Life Insurance We will be able to compare basic types of health and life insurance.
16 Health Insurance Cost is rising daily. Health care plan.
17 Types of Coverage s 1. Major Medical includes hospital and surgical expenses, doctor s visits, prescription drugs, and medical tests. Deductible Coinsurance a percentage of your medical expenses.
18 Types of Coverage s 2. Health Maintenance Organizations (HMO) usually has no deductible. Primary doctor Small co-payment Choice of physicians are limited. Cover s check ups and well baby care. Ran by insurance companies (disadvantage)
19 Types of Coverage s 3. Preferred Provider Organization (PPO) Low cost advantages Wide range of doctors Higher premium with higher co pays. Ran by insurance companies.
20 Types of Plans 1. Group Plans Offered through employers. Premium costs down. Deductible Co-insurance Major Medical
21 Types of Plans 2. Individual Plans Purchase your own insurance. Self employed worker s Retiree s Student s living on their own.
22 Disability Coverage Pays a percentage of your salary Short Term Long Term
23 Types of Life Insurance 1. Term Life Less Costly Protects your dependents if you die. Provides coverage for a set number of years. Face Value of the policy
24 Types of Life Insurance 2. Cash Value Life Insurance Part insurance part investment Whole Life Insurance
25 Buying Life Insurance Should you buy life insurance How much life insurance do you need What are some tips on buying life insurance
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