Guide to life insurance coverage and policies with TruStage
Most people prefer to buy key chains rather than life insurance. That being said, a life insurance or DMA policy is the best investment you can make in your family’s financial future. The harsh truth is that no one lives forever. Starting a family is a big responsibility, and taking care of its financial stability once you are gone is even more so.
The better you understand insurance coverage, the easier it will be to ensure you get the right insurance coverage. Keep reading to learn more about life insurance and other insurance products that can protect your family.
You may be able to get life and health insurance through your credit union
Benefits are one of the main things to look for from an employer when looking for a job. Some employers offer life and health insurance for their team members, and they even pay a portion of their premiums. Buying insurance from your employer is one of the best ways to save money on certain insurance products.
You may also be eligible for discounts on your life, auto and home insurance depending on the credit union to which you belong. That’s right, some members of credit unions are eligible for exclusive discounts.
TruStage Insurance provides life insurance through various credit unions and is underwritten by CMFG Life Insurance Company. TruStage insurance products are available to everyone, but union members can save money on TruStage auto, life and health insurance.
Different insurance companies offer different insurance policy features
Not all insurance companies are the same. It is important to shop around and do your own research on different companies to fully understand their insurance products. The only way to make sure you get the best deal on your coverage is to do your due diligence.
Many insurers and insurance agencies offer online tools that make the buying process easier. Online insurance comparison tools allow buyers to see different companies and policies side by side, which helps them in the decision-making process. Using the right online services goes a long way in finding the best policy for your needs and budget.
AD&D insurance is ideal for people in dangerous jobs
Some jobs are much more dangerous than others. In the United States, we honor people who do hazardous work. However, Honor does not pay the bills for serious injury or premature accidental death.
If you have a dangerous job, you and your family owe it to yourself to take out insurance to cover yourself in the event of an accident at work. Accidental Death and Dismemberment Insurance (MAD) is the best coverage option for people in high-risk jobs. It is likely that your employer will provide you with AD&D insurance if you work in hazardous work, but if not, you will need to purchase your own AD&D or life insurance policy.
Save money by bundling insurance products
When you buy your life, auto and health insurance from one insurance company, you have a great opportunity to save. Many companies offer discounts for bundling insurance policies, making it easier for their customers to get all of their insurance products from one source.
One of the things that often gets lost in the grief of losing a loved one is the financial burden that their absence will bring. Regardless of your age, you are not immune to serious injury or accidental death. The best thing you can do is protect your family’s financial interests with an AD&D policy or a life insurance policy.
It is important to shop around to make sure you get the best policy for your investment. By purchasing an insurance policy from your credit union or employer, or by bundling your insurance products, you may be eligible for certain discounts. Life insurance is the best way to protect your family’s financial stability and have peace of mind today about their financial future.