Direct General Insurance
The insurance industry is booming today and it is because of people becoming cautious about the future. The dare devilry may be for the heroes onscreen, but in real life when it comes to facing each day without knowing just what tomorrow may bring, people have decided that if there is an option of outsmarting fate, they are going to take it. Along comes insurance and there is no stopping the masses who queue up for insurances because this policy is a real life hero. Salesmen may be glib but they talk common sense when they sell you insurance. Forget the exaggerations that come along with advertising their insurance benefits because of the stiff competition that this industry faces today and instead focus on the practical and solid life saving solutions these policies offer. They are here to take care of your possessions that you have worked hard to possess or may be have possessed them out of sentimentality or some other reason. Whatever the reason be, insurance provides protection for that which you most value in life even life itself.
Insurance asks only that monthly or quarterly or whatever the stipulated period registered premiums are to be paid to the company so that the insurance company in turn takes care of the valuables that have been insured for by the paying of these serial amounts . The amounts are of a nominal fee but the return can be exorbitant. In a couple of years, you can reach an insurance coverage of US$100,000 or more, depending on the coverage that you have selected at the time of taking out the policy.
There are varied insurances and you can choose the insurance that you deem best suited for you. It can be health, medical, auto, home, travel or life. These insurances take care of you and your belongings for a nominal premium paid by you to the company on a monthly or requested period basis. However looking at the insurances it would strike you that all the above stated insurances are indeed necessary for an individual. Health, travel, medical, home, auto etc. These are just sections of the same whole ? the whole of his life.
WHAT IS DIRECT GENERAL INSURANCE ?
The individual may want an insurance coverage that takes care of all of the above. This is termed as the direct general insurance. This insurance therefore may only cover the basics and render protection of the valuables belonging to an individual. The insurance agents work out a package that covers all of the above for a nominal monthly premium that is paid to the insurance company and the individual is informed then as to what basics he can be covered by insurance with regard to all of the above sections that are health, medical, travel, life, etc .
GENERAL INSURANCE- lIFE .
This can be part of the Direct General Insurance policy where the basics of the life insurance policy is covered such as financially protecting your loved ones, the period for which you need your life to be insured and should you die during this period your family claims a lump sum from the insurance company . You also have the choice as to how much life insurance you may wish to buy like that of a tripled salary or a loan."> The Life insurance will usually cover terminal illnesses at no additional charge and you may also extend the coverage amount regarding particular events .
GENERAL INSURANCE - MORTGAGE .
This is another insurance that can come under the Direct General Insurance and can be used to aid in paying of your mortgages should you pass away during the term policy. As with the life insurance, you can extend the coverage amount for particular events, of course, subject to some conditions.
GENERAL INSURANCE -lIFE (FAMILY) .
This is another extension of the general insurance policy where the coverage is for your family should you die before you family can take care of themselves. This means your children may get to receive an amount in cash till they turn adults. There are no questions regarding medicals that will be posed to the insured party.
GENERAL INSURANCE - HEALTH .
Health insurance is also covered under direct general insurance policies, which means that you get coverage for basic illnesses that are listed by the insurance company where you can be covered by, should you contract such illness as mentioned in the insurance medical lists . This health insurance is taken into consideration and added to the premium of that monthly general insurance that you pay out of your salary to the insurance company .
GENERAL INSURANCE - HOME .
As this is a general coverage, the home insurance is assigned to a certain value and will be paid that to the insured party if there is damage to home. The contents may not be covered because this is after all a general policy that seeks to cover a wide radius of your life, home being one part of it. However it is up to you if you wish to extend the coverage for home, depending on the conditions of the insurance company. You may also choose to add valuable contents of home such as family heirlooms, etc. This will naturally be taken into the premium charge that the insurance company will charge you, based on the extras required.
GENERAL INSURANCE - TRAVEL .
The direct general insurance can also accommodate travel under the coverage and again is given only for the basics. Of course each insurance company has the areas that they cover with regard to travel and travel-related incidents."> Nevertheless, the travel insurance coverage is taken care of by the general insurance and should you need to extend your coverage here you may be able to do so, subject to the rules of the insurance company . It may not be the extensive travel insurance that is covered by the usual travel insurance policy but nonetheless as it is a general insurance it pertains to generalities in this area too . You may extend your travel insurance coverage if you are the constant traveler. But this is also subject to the conditions of the insurance company. The policy may include single trips and minor accidents and may only provide coverage for the individual and not the members of his family. But this is discussable with the insurance agent and you can be advised if this insurance will benefit you on the whole scale in the long run
GENERAL INSURANCE - AUTO .
Your vehicle can also come under the direct general insurance plan and as all of the above, only the basics are covered with regard to the vehicle and incidents related to the vehicle, as given in the list provided by the insurance company. Your vehicle can be covered only for minor accidents and certain parts, depending on the make and model of your vehicle. Still, a cover is a cover and damage compensated is truly damage compensated.
Now that insurance has expanded to cover the main areas of man's life, there are no pot holes of fate that you can fall into, if you decide to take out the direct general insurance policy . Life may not be eternal in the flesh but insurance has a way of making it live longer, stress-free. There are no phantoms or spider men or even supermen to help you through your financial troubles , but there is a superhero of a different caliber that may save your day, someday Meet Mr. General Insurance.
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