5 Insurance Policies Everyone Should Have

BENSON, Ariz. - Aug. 24, 2022 - PRLog -- in the event of an accident natural disaster or other unforeseen circumstance. So make sure you're properly
protected by getting these five insurance policies.

1 Long-Term Disability Insurance

Long-term disability insurance is a type of insurance that provides income replacement for individuals who
are unable to work for an extended period of time due to an injury or illness. The coverage can last
for years or even decades and can provide a substantial financial safety net for policyholders and their families.
premiums are usually paid by the policyholder but in some cases employers may cover part or all of the cost.

2 Life Insurance

Life insurance is a contract between an insurance company and a policyholder where the insurer agrees to pay a designated beneficiary a sum of money (the "death benefit") upon the death of the insured person. Depending on the contract other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a "premium" for the coverage which is generally an annual fee.

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