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Created with Fabric.js 1.4.5 FACTORS THAT INFLUENCE RATES Life Insurance and its Importance AGE GENDER JOB LIFESTYLE What is Life Insurance? Sample Scenario LIFE INSURANCE WILL SAVE THE DAY! Renter's insurance protects yourself and your belongings from a total loss of your property. Your policy covers personal items, unintentional damage, liability, medical payments, and additional living expenses. This way, when unexpected accidents happen, you won't go into financial ruin! Basic Terms Premium - your monthly insurance payment Deductible - the amount you have to pay on a claim before the insurance company pays the rest Proof of Loss - some form of evidence to show that you had a loss Actual Cash Value (ACV Policy) - current value of your goods Replacement Cost (RC) Policy - the amount that it would cost to purchase the same goods today Claim - A request you make to your insurance company for payment of the benefits allowed by your coverage Coverage - the range of protection you are eligible to receive from your insurance plan Estimated Costs The average cost for renter's insurance is approx. $12/month for $30,000 worth of property coverage and $100,000 of liability coverage. Liability limits usually start at approx. $100,000.Some recommend at least $300,000 worth of protection. Umbrella policies, which provide higher limits and broader coverage, usually cost between $200 to $350/year for an extra $1 mil of liability protection. Your policy also has "No-fault Medical coverage" for people who get injured in your home. You can usually get $1,000 to $5,000 worth of this coverage. However, this doesnt cover the medical bills for your own family or your pet. Created by: Willa Lin SMOKER Imagine you are living happily with a family of four. You are the father that's providing most of the income. You smoke and have a crazy lifestyle. You race speed bikes and jump off cliffs. You don't think of the results if you were to die. All you care about is living life on the edge and don't pay much attention to your family. They are scared something will happen to you one day and you will not be there anymore. But you promise them everything will be okay and nothing will happen. But all of a sudden you are jumping off an helicopter and your parachute doesn't open. You cant do anything to prevent yourself from hitting the ground hard. You think of your family at that moment and realize they wont have you anymore. You realize they will need help. What will help them with this loss??
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