Insurance World

Your Insurance Navigator

    The world of insurance is unique, complex and evolving dynamically in step with the development of digital technologies and artificial intelligence. Modern insurance represents several levels of protection and increase of personal, family and corporate finance and capital, which can be conditionally described as follows: 

   At the first level, it would be possible to place compulsory insurance, without which it is impossible to do. Without certain types of insurance, you won't be able to drive a car, start a business, or get a loan or mortgage. This type of insurance must be purchased regardless of the client's wishes. And, as a rule, in this case, the client seeks to purchase the necessary insurance as cheaply as possible.   

   At the second level, one could place government-subsidized insurance, such as Medicare or Obamacare, which allow people to obtain necessary services, particularly medical ones, through insurance coverage for incomparably small amounts of insurance premiums compared to what they would have to pay if they had to pay for these services out of their own pocket. 

   At the third level, we can designate insurance for the purpose of insurance protection against risks, the occurrence of which can cause significant damage to a family or business, in connection with which it is more expedient to insure against these risks than to save on the payment of insurance premiums. 

   The fourth level includes types of insurance in which a significant portion of the paid insurance premiums is directed to the stock and capital market, as a result of which, in parallel with the insurance of risks, insurance premiums are transformed into investments that increase capital, and at the same time on preferential tax terms. 

   The list of insurances is significant. These types of insurance cover a wide range of life risks: medical care, life, accidents, pensions, savings, legal liability, real estate, property, collateral, business, transport and all other risks. 

   To make it easier for you to navigate the list of numerous insurances and choose the most optimal insurance coverage in accordance with your specific situation, we have created an Insurance Navigator, which works as follows: 

   Below we have provided a list of all the insurance policies we work with, and from their names you can first understand what they insure. Next, having selected the insurance you need, in order to learn more about how it works, what its conditions are and what it covers, you can click on the insurance you have chosen, the name of which is also a link that will redirect you to a page that provides a detailed description of this insurance and has contact information for a free consultation or purchasing insurance. 

      Personal Auto Insurance

 covers the following lines of insurance:

• Personal Auto Basic Liability Coverage

• Personal Auto Full Coverage

Commercial Auto and Garage Insurance

covers the following lines of insurance:

• Commercial Auto Liability Coverage

• Commercial Auto Collision Coverage

• Commercial Auto Comprehensive Coverage

• Commercial Auto Cargo Coverage

• Hired and Non-Owned Commercial Auto Coverage

• Commercial Auto Medical Payments Coverage

• Commercial Auto Trailer Insurance

• Trucking Physical Damage Insurance

• Trucking Primary Auto Liability Insurance

• Trucking General Liability Insurance

• Non-Trucking Liability Insurance

• Non-Owned Trailer Liability Coverage

• Non-Owned Trailer Physical Damage Coverage

• Trailer-Interchange Liability Coverage

• Terminal Coverage

• Warehouse Legal Coverage

• Bobtail Insurance / Non-Trucking Liability Insurance

• Garage Insurance

• Garage-Keepers Insurance

Home and Personal Property Insurance

covers the following lines of insurance:

• Home insurance

• Buildings Insurance

• Contents Insurance

• Combined Home Insurance

• Homeowner’s Insurance

• Dwelling Program

• Flood Insurance

• Motorcycle Insurance

• Boat & Watercraft Insurance

        Business Insurance

covers the following lines of insurance:

• Commercial General Liability Insurance

• Professional Liability Insurance

• Cyber Liability Insurance

• Workers' Compensation Insurance

• Commercial Property Insurance

• Builders Risk Coverage

• Business Income Coverage

• Farm Property and Liability Coverage

• Commercial Flood Coverage

• Employment Practices Liability Insurance

• Directors and Officers Liability Insurance

• Excess Liability Insurance

• Umbrella Insurance

• Commercial Package Policy

• Business Owners Policy

• Liquor Liability Insurance

• Pollution Liability Insurance

• Commercial Crime/Employee Dishonesty Insurance

• Marine Insurance

• Ocean Marine Insurance

• Commercial Inland Marine Insurance

• Boiler and Machinery Insurance

• Aviation Insurance

  Life, Accident and Supplemental Health

                                  Insurance

covers the following lines of insurance:

• Credit Life Insurance

• Mortgage Protection Insurance

• Term Life Insurance

• Whole Life Insurance

• Straight Whole Life Insurance

• Limited Pay Whole Life Insurance

• Graded Premium Whole Life Insurance

• Modified Whole Life Insurance

• Equity Index Whole Life Insurance

• Interest-Sensitive Whole Life Insurance

• Adjustable Life Insurance

• Universal Life Insurance

• Variable Life Insurance

• Variable Universal Life Insurance

• Equity Index Universal Life Insurance

• Index Universal Life Insurance

• Endowment Policy

• Group Life Insurance

• Final Expense Insurance

• Joint Life Insurance

• Family Life Insurance

• Family Maintenance Insurance

• Family Income Insurance

• Juvenile Life Insurance

• Disability (Income) Insurance

• Accident Insurance

• Cancer Insurance

• Critical Illness Insurance

• Accidental Death and Dismemberment (AD&D) Insurance

• Accidental Death Insurance

              Medicare

covers the following lines of insurance:

• Medicare Health Insurance

• Original Medicare Insurance Program

• Part A Hospital Care Coverage

• Part B Medical Insurance

• Part D Prescription Drug Insurance

• Part C Medicare Advantage Insurance Program

• Health Maintenance Organization (HMO) Coverage Plan

• Preferred Provider Organization (PPO) Coverage Plan

• Medicare Advantage Special Needs Plans (SNP) Coverage Plan

• Medicare Medical Savings Account (MSA) Coverage Plan

• Private Fee For Service (PFFS) Coverage Plan

• Medicare Supplement (Medigap) Insurance

• Supplemental Medical Insurance

• LLong-Term Care Insurance

   If the above list of insurances and their descriptions at the link do not give you enough clarity to make a final decision, then in order to receive a more detailed free consultation or purchase insurance, if you have already made a final decision, leave a request                .