1. Protecting Your Wealth and Yourself

2. 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

3. 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

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

5. Property Insurance Warranty- home or auto

6. 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 www.floridakidcare.org

7. Disability Insurance Living expenses

8. Life Insurance Term, Universal Life, Whole-Life

9. Long-Term Care Insurance

11. Long-Term Care LTC pays for living expenses

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