The Retirement Corporation of America

Summary

INSURANCE IS A key part of your financial safety net. You need it to protect you, your family and your financial assets from all the dangers that can come along in life to the extent you possibly can. You'll do that if you remember to:

•  Carry the five basic kinds of insurance protection at all times: health, life, disability, home, auto and, very possibly, umbrella liability.

•  Evaluate your risks in each of these areas to decide how much coverage you need.

•  Do business with an insurance company that is financially strong and has a good track record of settling claims promptly and fairly.

•  Choose a reputable insurance agent licensed to sell insurance in your state who is knowledgeable about the products he or she sells and who answers all of your questions.

•  Comparison shop for the best rates and any discounts you might be able to get on your premiums.