Protecting Your Wealth and Yourself

Insurance An agreement/contract Payments to a company or government Promised payments for a covered loss. Back whole as before the loss Regulated by each state

Property Insurance Protects covered property from covered losses due to covered perils Auto Insurance o ACV vs. RC o First party coverage vs. third party o Deductible Florida Law- PIP & PD

Property Insurance Homeowners Insurance o ACV vs. RC o Dwelling, contents and liability o Deductible Flood Insurance Landlord Condo Renters

Property Insurance Warranty- home or auto

Health Insurance Medical Insurance Individual-HMO, PPO, HDHP, HSA Group or employer-provided Hospital, doctor, prescription Dental and Vision Flexible Spending Accounts (FSA) Medicaid/Medicare Children- Florida KidCare

Disability Insurance Living expenses

Life Insurance Term, Universal Life, Whole-Life

Long-Term Care Insurance

Long-Term Care LTC pays for living expenses

Tips Group/employer Customize Shop around Deductible Discounts Review often Read the fine print !!!!!