One stop insurance brokerage

Insurance industries nowadays expended as demand increasing from people who are care about their future life security. Nobody knows what would be happen tomorrow and they realize that important to have the insurance policy as coverage for their life and family as well. Despite from this situation, many insurances companies provided the best insurance product and services to attract more customers to buy their policy offered, trained the best insurance brokers which had distributed to the potential areas to consult and deliver their policy information, and maintained the customer supports after the sales are made. Besides that, some of them like Sleightholm Insurance have been applied computerized systems to ensure their customers get the best insurance policy and services at the best price offered. Sleightholm Insurance also has provided consultation services about it insurance policy through its life insurance brokers Chatham Kent Ontario to meet their customers’ requirements and satisfaction. To be high class services offered compare with other insurance companies, Sleightholm Insurance also give their customers online facilities to use instant online term life insurance quotes, retirement savings calculator, and give no cost or obligation computerized shopping quotes on annuities, auto and home insurance.

This post has been sponsored by: Sleightholm Insurance

Health insurance vs life insurance

Health insurance policy is an agreement between the policy owner and the insurer that lists a package of medical benefits such as tests, drugs and treatment services. The insurance company agrees to cover the cost of certain benefits listed in the policy which are called covered services. Health insurance basic plans provide for in-hospital care, covering hospital accommodation, surgeon charges, physician fees and anesthetist costs. They also included too, are specialists in oncology, radiotherapy, radiology and pathology. More enhanced plans may also include outpatient visits as primary consultations and primary care, also some therapies such as acupuncture, osteopathy, physiotherapy, homeopathy, primary consultations and primary care as well as some prescribed drugs. At-home nursing care and emergency dentistry are sometimes options.

Life insurance policy is an agreement between the policy owner and the insurer, where the insurer agrees to disburse a sum of funds upon the occurrence of the policy owner's death. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy. Insured events that may be covered include death or accidental death. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to war, riot, civil commotion suicide and fraud.

Mostly people are considering online heath insurance and online life insurance to purchase the policy, get the live insurance consultation, and know more about the insurance policy required through the internet. Besides, they also considering insurances, which are available online in order to get the fast responses and quote the online insurance rates.

Return of premium

Return of premium is a terms in the insurance policy providing for the payment of a benefit equal to the stated percentage of all the premiums paid. It will be fewer claims paid if the claims paid over a stated period of time do not exceed a fixed percentage of the premiums paid. The cumulative premiums through the level term period will be paid at the end of the level-premium period. For instance, a $10 million policy bought for $1 million over a 30 year period would result in the $1 million being refunded to the policyholder. No money will be refund if the policy is cancelled at any time.

Critical care insurance

According to the research that over 40%-60% of bankruptcies are medically related and a cancer diagnosis costs surrounding is about $200,000 per patient. Critical illness being diagnosed can generate costs that may or may not be covered by traditional health insurance plan. Critical care insurance policy is able to cover the costs that generated from a critical illness diagnosis without reducing our savings. Besides that, critical care insurance policy also can replace our lost income, cover insurance deductible, pay off business debt or mortgage, and facilitate our business to stay running. Critical care insurance provides the flexibility our need to cover a variety of expenses related with a critical illness diagnosis or a broad range of conditions most likely to cause major lifestyle changes, including invasive cancer, coma, heart attack, stroke, kidney failure, major organ transplant and more.

Protect your business

If we have the businesses, we must ensure that all are coverage by the insurances. The owner of businesses must provide protection like property insurance, product liability insurance, vehicle insurance and business income insurance to cover their properties such as building, office equipments, stock inventories, vehicles and other assets of the businesses from any damages and environment disasters. They also must cover the injuries suffered by staffs or someone who are responsible to the businesses with life insurance or liability insurance. Let make a deal and meet someone who are insurance professionals and experienced in identifying the risk assessment which need to be insured and protected.

Life insurance

Life insurance is one of the insurance types that provides the coverage plan to pay benefits upon a person's death or disability. Life insurance is important for individuals to purchase a minimum amount of life insurance, at least enough to cover their debts and burial expenses so that these costs do not fall upon their family members. A small business might provide life insurance from life insurance companies to its workers as a tax-deductible employee benefit like health insurance and retirement programs in order to compete with larger companies in attracting and retaining qualified employees. The life insurance rates, return of premium and term life insurance depends upon the type of policy, the age and gender of the applicant, and the presence or absence of dangerous life-style habits. This means that the insurance company will receive premiums and earn interest on them longer before it has to make a payment. Experts recommend that companies or individuals seeking life insurance coverage choose an insurance agent with a rating of A or better, and compare the costs of various options before settling on a policy. With the latest technology nowadays, life insurance online is one of the famous way for most people to buy insurance. It is easy and effective way to gather more information and details about the insurances purchased.

Type of Life Insurance