A life insurance policy is a contract you have with an insurance company. In exchange for you regular premium payments, the insurance company agrees to provide a lump-sum settlement payment to your beneficiaries upon the event of your death.
US citizens are not required to carry life insurance.
You don't need life insurance ? your family and loved ones do. Life insurance is designed to ease the financial burdens of your beneficiaries by providing a settlement - called a death benefit ? in the event of your passing.
The death benefit is the amount of money paid to your beneficiaries in the event of your death. Generally, death benefit payments are income tax-free.
Term life insurance is the most common and affordable type of life insurance. You pay your scheduled premiums over a specified period of time. In return, the insurance company pays your beneficiaries a one-time death settlement of an amount specified in you policy.
Dental insurance is not required by law. Is it a good idea to have dental insurance? Definitely, yes.
Dental insurance plans are similar to health insurance plans. You can select a plan that only lets you see a primary dentist who is a member of a dental healthcare network or a plan that lets you visit whichever dentist you wish, inside or outside your insurance provider's network.
Vision insurance plans can reduce your costs for routine preventive eye care examinations as well as prescription eyewear, like eyeglasses and contact lenses.
Some vision insurance plans even cover Lasik and other types of corrective surgery.
Vision insurance is among the most inexpensive type of health insurance on the market. Many employers offer vision insurance as part of a comprehensive health plan.
The national or government sponsored health plans of other countries usually don't cover medical emergencies that occur while visiting the US. And medical treatment, especially emergency medical treatment can be expensive. A visitors medical insurance plan is a short term healthcare insurance plan designed to protect you from any medical expenses that may arise during you visit to the US.
Any one travelling to the United States ? students, business travelers, tourists, visiting relatives, etc. ? can benefit from a visitors insurance plan.
Buying visitors insurance from a company outside the USA may end up costing you more in the long run. A US based insurance company (like the AIS agency) will be more familiar with the intricacies of the US Healthcare system allowing them to deliver better support and prompt service to their customers.
Assure Insurance Services (AIS), Agency Inc. is a fully licensed insurance agency that specializes in providing employers and individuals with the best insurance plans available.Read More
1460 E Whitestone Blvd Suite 250
Cedar Park, TX 78613, USA