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Creating a Plan

cardea avatar
cardea
17 diapositives · 345 Views · Sep 08, 2014

Creating a Plan. Accept need for managing risk. Identify potential risk. Recognize the alternatives. Establish and maintain a risk management program. Life Stage Approach. There are stages in life that require various risk management techniques. Young educator. Family time.

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  1. Creating a Plan • Accept need for managing risk. • Identify potential risk. • Recognize the alternatives. • Establish and maintain a risk management program.

  2. Life Stage Approach There are stages in life that require various risk management techniques. Young educator Family time Midlife Empty nest

  3. Tips to Save on Insurance • Shop around • Research • Purchase more than one policy • Live healthily

  4. Comparing Policies • Who/what is covered? • Deductibles? • Length of coverage? • Exclusions? • Discounts? • Credit quality of insurer?

  5. Types of Insurance • Automobile • Homeowner’s/Rental’s • Health • Life • Disability • Long-term Care

  6. Automobile • 7 kinds of auto coverage: • Liability • Collision • Comprehensive • Medical • Personal injury • Uninsured motorist • Underinsured motorist

  7. Homeowner’s • A basic policy will cover: • Property • Liability • Personal belongings • Additional living expenses • Medical

  8. Renter’s • Landlord’s own insurance will not protect you. • Typical renter’s policy will cover: • Loss of personal property • Loss of rental unit • Possibly medical and liability

  9. Health • PPO—choose from a listof preferred providers • Pro: large network • Con: costly • HMO—assigned doctor • Pro: cost effective • Con: limited provider choice

  10. Life • Term Life—set for a limited amount of time. • Whole/Permanent Life—protection for an indefinite amount of time.

  11. Disability • Policyholder receives income until he/she can work. • State Disability Insurance unavailableto teachers.

  12. Long-term Care • Covers care not covered by health insurance, Medicare, Medicaid. • Pays for home care, assisted living, adult daycare, respite care, hospice care, nursing home, Alzheimer's facilities.

  13. The Bottom Line Insurance minimizes financial loss and mitigates risk.

  14. Disaster Planning & Recovery • Plan before disaster strikes. • Protect your property. • Conduct household inventory. • Hold adequate coverage. • Keep cash on hand. • Have safe-deposit box. • Prepare evacuation plan. • Take care of yourself.

  15. Parting Words There are worse things in life than death. Have you ever spent an evening with an insurance salesman? — Woody Allen