Insurance Providers - Auto, Life and Health Insurance Quotes

Abutment: The teeth on either side of a missing tooth. Abutments are the part of the bridge used to support the replacement of the missing teeth (pontics).

Amalgam: A silver/mercury mixture, which is used for fillings.

Anniversary year: Begins on the day of the month that the patients' insurance became effective.

Assignment of benefits: A clause in the policy that allows the insured person to direct the payment by the carrier to the dentist. The insured person does this by signing the assignment box on the claim form, or by signing a signature on file form.

Copay: A fixed dollar amount, you pay at the time services are rendered. Typical copays are for office visits, prescriptions, or hospitalizations.

Coinsurance: A specified percentage of the cost of treatment the insured is required to pay for all covered medical expenses remaining after the deductible has been met.

Deductible: The portion of your health care that you pay before insurance starts covering it. Typically, the higher the deductible, the lower the premiums.

Beneficiary: The person(s) named in the policy to receive the life insurance proceeds upon the death of the insured.
Cash (Surrender) Value: The amount that is available in cash for loans and that may be available for withdrawals. Accessing Cash Surrender Value may reduce the death benefit and may increase the risk of lapse.
Convertible Term Insurance: Term insurance, which can be exchanged (converted), at the option of the policy-owner and without evidence of insurability, for a permanent insurance policy.

Dental insurance is equally important to health insurance because dental disease is still prevalent. Being protected by a dental plan and using it wisely are necessary safeguards for your entire family. Unlike medical ailments, which are usually unpredictable, most dental problems are preventable. Checkups and cleanings are the way to keep teeth healthy. With regular preventing care, problems are diagnosed in time and can be treated with less expense to both, insurer and insured, keeping the costs of dental care much lower than medical care.

Auto insurance rates varies by town, city, zip code and state. Safety features in your automobile such as air-bags, anti-lock brakes, day-time running lights, or an alarm, may entitle you to discounts that could reduce your auto insurance premium substantially. Accident prevention courses are available in most local areas which can lead to an easy reduction in premium- and you might learn a thing or two in the process.

Homeowners' insurance policies are designed to protect your dwelling and personal property against losses, primarily paying for damages to your home and its contents. Homeowners insurance can also protect you from financial liability if someone is injured on your property.

Common areas of coverage are dwelling fire coverage, contents - personal property, loss of use, separate structures such as a detached garage or shed, premise medical and premise liability insurance. Specialized coverage is also available for jewelry, guns, stamp collections, china, and picture or paintings.

If you were to become disabled today, how would you earn your living? While medical coverage may cover those bills, you still must pay for food, utilities, the mortgage and other living expenses. Disability income insurance is designed to help replace lost income while you're disabled from injury or illness. The amount paid is usually a percentage of your salary or wages and for a specific period of time.

You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. Medical care can be very expensive and you cannot predict what your medical bill will be.

There are essentially two types of individual health insurance plans. An HMO plan offers the most comprehensive coverage and requires that you select one primary care physician that participates with your chosen individual health insurance plan. A PPO plan provides you with the freedom to self refer to specialists and you are not limited to the care of a single primary care physician.

Long term care insurance is coverage that is available to provide medical and other services to patients who need constant care in their own home or in a long term care facility for assisted living or nursing home. Long term care covers help with daily activities such as bathing, eating, dressing skilled nursing care or rehabilitation training either in a nursing facility or at home cognitive impairment such as Alzheimer's and deals with care-oriented conditions, not cure oriented.

Variable or adjustable life insurance refers to a policy where death benefits & cash values are variable -your death benefits and premiums vary according to your investment's performance. The accumulated cash value is directed to your choice of investment accounts. Investments can include stock funds, bond funds, real estate funds or a combination thereof.