What kind of insurance do you need?

To protect yourself — and your loved one’s — in the unfortunate event that you experience loss of life or limb in an accident, check into:

• Accidental-Death-and-Dismemberment (ADD) Insurance (also sometimes called “Accident Insurance)

In order to have income continuity if you get into a car wreck, get injured on the job, or suffer from some debilitaing condition — like cancer — and cannot work, you will need to have some form of:

• Disability Insurance

What if you have chest pains, or are running a fever? To visit a doctor without paying all expenses out of pocket, you will want to have:

• Health Insurance

To prepare for final expenses — including burial, crematory, or medical-donation services — as well as to do estate, income-replacement, legacy, and tax planning, you will have to consider some form of:

• Life Insurance

To help guard against custodial and other long-term-care costs, you should investigate your options in terms of:

• Long-Term Care Insurance

In general, “Property-and-Casualty Insurance,” or “P&C Insurance,” covers things like buildings and cars. What if you get into a car wreck, or your house burns down?

These losses would be covered by:

• Auto Insurance
• Homeowner’s Insurance

If you only want converage in case you cause an accident or loss, you will be looking at:

• Liability Insurance

If you frequently go out of town for business or pleasure, to cover yourself againt damages incurred because of accident, cancelation, or lost luggage, you might avail yourself of some kind of:

• Travel Insurance

StLouisMOInsurance serves portions of Franklin, Jefferson, Lincoln, Montgomery, St. Louis, and Warren counties, as well as St. Louis city.

Call today for a recommendation or quote.

St. Louis, MO Insurance
P.O. Box 593
St. Peters, MO 63376
(636)447-1169

• There are also other, specialty forms of insurance such as all-terrain-vehicle (ATV) insurance, boat insurance, business insurance, cancer insurance, catastrophe insurance, classic-car insurance, cyber insurance, earthquake insurance, errors-and-omissions (E&O) insurance, extortion insurance, flood insurance, hacking insurance, high-net-worth-individual insurance, high-value-home insurance, kidnapping-and-ransom (K&R) insurance, malpractice insurance, motorcycle insurance, professional-liability insurance, trailer insurance, recreational-vehicle (RV) insurance, and more. Call for more specific needs.