Insurance Basics

Personal Finance: Another Perspective ,[object Object]

Objectives A. Understand what our leaders have said regarding insurance B. Understand the importance of insurance C. Understand the key principles of insurance

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Insurance (continued) ,[object Object],[object Object]

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Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Insurance (continued) Frequency of Loss Severity of Loss High High Low Low Avoid Reduce Transfer Reduce Assume Reduce Assume

Life Insurance and Your Investment Plan Cash value: with guaranteed insurability option paid up till age 65. Term: Five-year guaranteed renewable term in $50,000 and $100,000 increments; can add and drop as necessary. Investment: Includes individual and employer sponsored retirement plans

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Principles of Insurance (continued) ,[object Object],[object Object],[object Object],[object Object]

Principles of Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Principles of Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Principles of Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Principles of Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Questions to Ask Potential Insurance Agents ,[object Object],[object Object],[object Object],[object Object]

Questions to Ask (continued) ,[object Object],[object Object],[object Object],[object Object]

Questions to Ask (continued) ,[object Object],[object Object],[object Object]

Personal Finance: Another Perspective ,[object Object],[object Object]

C.L.U.E. Report ,[object Object],[object Object],[object Object],[object Object]

Your Personal Financial Plan (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Your Personal Automobile Policy ,[object Object],[object Object],[object Object],[object Object],[object Object]

Your Personal Automobile Policy (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Part A: Liability Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Auto Split-Coverage Limits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Part B: Medical Payment Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object]

Part C: Uninsured/Underinsured Motorist’s Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Part D: Comprehensive Physical Damage Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object]

Standard Exclusions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

No-Fault Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

No-fault Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Buying Automobile Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping Your Costs for Automobile Insurance Down ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping Auto Insurance Costs Down (continued) ,[object Object],[object Object],[object Object]

Keeping Auto Insurance Costs Down (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Filing a Claim Using Your Automobile Policy ,[object Object],[object Object],[object Object],[object Object],[object Object]

Filing a Claim (continued) ,[object Object],[object Object],[object Object],[object Object]

Filing a Claim (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

B. Understand the Key Areas of Homeowners Insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Homeowners Insurance (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Six Basic Homeowner's Policies ,[object Object],[object Object],[object Object],[object Object],[object Object]

Six Basic Homeowner's Policies (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Six Basic Homeowner's Policies (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Homeowners Policy Coverage Sections ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Section I: Property Coverage (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Section I: Property Coverage (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Section II: Liability ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Supplementing your Policy ,[object Object],[object Object],[object Object],[object Object]

Know How to Keep Your Homeowner's Insurance Costs Down ,[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping Homeowners Costs Down (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping Homeowners Costs Down (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping costs down (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Keeping costs down (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]

If You Have a Claim ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

C. Understand the Key Areas of Personal Liability Coverage ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Personal Liability Coverage (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]

Personal Liability Coverage (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study #1 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study #1 Answer ,[object Object],[object Object]

Case Study # 2 ,[object Object],[object Object],[object Object],[object Object]

Case Study #2 Answer ,[object Object],[object Object],[object Object],[object Object]

Case Study # 3 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study #3 Answer Item Amount Insurance Pays Amount Kelly Pays Total Cash $250 $250 $500 Jewelry $1,000 $1,500 $2,500 Silverware $1,500 $0 $1,500 Totals $2,750 - $250 deductible = $2,500 $1,750 + $250 deductible = $2,000 $4,500

Case Study # 4 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study #4 Answer ,[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study # 5 ,[object Object],[object Object],[object Object],[object Object]

Case Study #5 Answer ,[object Object],[object Object]

Case Study #6 ,[object Object],[object Object],[object Object],[object Object]

Case Study 6 Data ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Case Study 6 Answers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Insurance Basics

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Insurance Basics