(also known as AD&D) is a form of insurance covering death or specific types of injury as a result of an accident. In the event of accidental death, this insurance will pay benefits in addition to any life insurance held. Additionally; AD&D generally pays benefits for the loss of limbs, fingers, sight and permanent paralysis.

There are basically six different types of coverages. Some may be required by law.

1. Bodily injury liability, for injuries the policyholder causes to someone else.
2. Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car.
3. Property damage liability, for damage the policyholder causes to someone else's property.
4. Collision, for damage to the policyholder’s car from a collision.
5. Comprehensive, for damage to the policyholder's car not involving a collision with another car.
6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

(sometimes known as specified disease insurance) pays a lump sum payment directly to you to offset the unexpected costs associated with surviving a critical illness. Covered illnesses include: cancer, heart attack, kidney (renal) failure, stroke, and a condition requiring major organ transplant.

Indemnity

This type of dental plan allows you to select a dentist of your choice and will pay according to a predetermined schedule of payments.

Network

Much like a Medical HMO, this type of plan allows you to select a network dentist to provide your dental needs.

Often called disability income insurance, pays a monthly benefit if you are unable to work because of a sickness or accident on or off the job. The monthly benefit will begin after a waiting period and will continue for a specified Benefit Period. In other words, it answers the question, "How would I pay for my living expenses if I became unable to work?"

• Short Term - This type of plan pays only for a maximum of 26 weeks of benefits.
• Long Term - This type of plan pays for a longer benefit period, usually more than 6 months.

The typical homeowners (home) insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. Home owners insurance also covers additional living expenses while the house is being restored after a disaster. The liability portion of the policy covers the home owner for accidental injuries caused to third parties and/or their property. Coverage for flood and earthquake damage is excluded and must be purchased separately.

Coverage for expenses incurred as the result of an identity theft. Expenses can include costs for notarizing fraud affidavits and certified mail, lost income from time taken off from work to meet with law-enforcement personnel or credit agencies, fees for reapplying for loans and attorney's fees to defend against lawsuits and remove criminal or civil judgments.

(LTC) is a policy which provides both medical and non-medical assistance for people with a chronic illness or disability that cannot care for themselves for long periods of time. It is common for long-term care to provide custodial and non-skilled care, for assistance with activities of normal daily living. Long-term care can be provided at home, in the community, in assisted living facilities or in nursing homes.

A mobile home insurance policy provides coverage for your mobile/manufactured home and personal property. A mobile home policy includes coverage for damage from fire, lightning, wind or hail, and more. The policy covering your mobile home also provides liability protection against accidents that happen to somebody else for which you are legally responsible.

Coverage for custom equipment, liability coverages, roadside assistance and medical coverage and uninsured/underinsured motorist coverage. If you've taken safety classes, or garage your motorcycle when it's not in use, you may save more on your motorcycle insurance coverage, while protecting yourself, your passengers, and your investment.

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Personal Excess Liability insurance is designed to protect you and your family against catastrophic lawsuit or judgment. It provides expanded coverage and increases the amount of your primary liability protection beyond the basic coverage provided under your homeowners/renters and auto insurance policies.

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A VPI Pet Insurance policy provides reimbursement coverage for your pet's eligible medical treatments, surgeries, lab fees, X-rays, prescriptions and more, so that you can make optimal healthcare decisions for your pet based on your veterinarian's recommendation, rather than on the cost of treatment.

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An RV is your home when you're away from home. Therefore, when choosing a Recreational Vehicle Policy you may want to consider coverage that protects you and your guests while traveling as well as coverage that protects your vehicle when it is parked or stored.

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Renters Insurance - covers those aspects of the apartment and its contents not specifically covered in the blanket policy written for the complex. This policy can also cover liabilities arising from accidents and intentional injuries for guests.
Condominium Insurance - is designed especially for the owners of condos. It includes coverage for the part of the building owned by the insured and for the personal property housed therein. The coverage is designed to span the gap between what the homeowner's association might cover in a blanket policy written for an entire neighborhood and those items of importance to the insured. This policy covers liability for residents and guests of the insured in addition to personal property.

Offers a clear overview of retirement options available. It provides information on ways to maximize retirement income, while still providing future protection for spouse and family.

Excess Major Medical

This type of insurance is used to supplement an existing major medical plan. After a high deductible it pays for medical expenses not covered by your major medical plan.


Hospital Indemnity

This type of insurance pays a schedule of benefits for hospital room and board, surgical fees and miscellaneous medical expenses when you are hospitalized.


Senior Medical Plans

These types of medical plans are designed specifically for retirees to supplement their existing medical coverage. They include Hospital Indemnity, Supplemental Major Medical, Accidental Death and Dismemberment.

Considered to be pure insurance protection because it builds no cash value. Term life insurance provides coverage for a limited period of time. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is often the most inexpensive way to purchase a substantial death benefit.

Business Travel Accident Insurance offers highly customized coverage, from coverage limited to business travel on scheduled commercial airlines to 24-hour insurance anywhere in the world. Business Travel Accident enables businesses to cover all employees or specific classes of employees (such as all sales representatives) and to vary benefits and coverages for the different classes.

A type of permanent life insurance which builds cash value based on your periodic premium payments. This type of permanent life insurance is more flexible than a whole life policy. Like a whole life policy it builds cash values from which you can borrow, however you can vary your premium payments and adjust the amount of coverage.

Coverage for Boat Owner's insurance is an essential safety precaution. Protect your boat and your water activities with a Boat Owner's Policy. With a Boat Owner's Policy you will be covered against the many risks every pleasure boater inevitably faces—from the predictable and obvious to the random and unexpected.

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A permanent life insurance policy that remains in force for an insured’s entire life and requires, in most cases, premiums be paid every year. The premiums stay level and are guaranteed for the life of the policy. After the policy has been in force for a few years it will build cash values from which an insured can borrow.