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Auto insurance protects you against financial loss if you have an accident.

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A standard policy insures the home itself and the things you keep in it.

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Life Insurance LIFE/HEALTH

Browse a variety of insurance options in order to find the right one for you.

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There are insurance products available to cover almost every fear. But the truth is, many of these types of policies may not be worth the money. You'd probably be better off putting extra money in your savings account each month than investing in one of the insurance policies below (notice auto, home, health, disability and life insurance aren't on the list).



Insurance on debts: Mortgage life insurance and credit life insurance cover your outstanding debts in the event of your death. However, these products are much more expensive that term life insurance, which can be used to cover your debts, plus more, in the event of your death. Unless you have health problems that prevent you from getting adequate term-life unsurance, mortgage and credit life insurance are not a necessary part of your family's overall financial plan.

Disease-specific insurance: This type of insurance pays a lump sum and covers expenses not protected by your health insurance benefits. Sounds like a good deal, right? the truth is, disease-specific insurance is a gamble since you can't be entirely sure that you are going to develop cancer or any other serious medical condition. If you are concerned about the cost of serious health problems, you'd be better off buying critical illness insurance, which covers a variety of common illnesses.

Rental car Insurance: When you rent a car, you're offered rental car insurance to cover loss and collision damages. Before you buy, check with your auto insurance provider and your credit card company. Often times, rental car insurance is covered under your existing plans.

Auto glass insurance: The annual premium, plus deductible, is more expensive than the cost of simply replacing your windshield every two years with your own savings.
Posted 3:52 PM

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