![]() Working with an independent agent can help make sure that you are getting the best coverage, for the best price. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Talk to an independent agent - especially if this is your first time buying insurance.Additionally, consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work. And if you have kids, a life insurance policy can also support their education or childcare expenses. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. Plus, it’s cheaper to buy a life insurance policy when you’re young and healthy. Purchase life insurance-you aren’t too young - life insurance is essential, no matter how young or old you are.You may want to add additional coverage for these items. For instance, you may have items like electronics or a nice piece of jewellery that would be financially difficult to replace. Fill in the gaps - an average policy will cover the basics, but you may need to add extra coverage to meet your unique needs.PS: here at .za we have major discounts and deals on a bunch of insurance providers, take a look! Ask your insurance agent if there are any discounts on your coverage. Look for discounts - once you determine your coverage needs, factor in your budget and find ways to save.You may be tempted to choose insurance with the lowest price, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. Price is important, but you’ll want to determine what kind of coverage you need first. Shop smart - your number 1 priority should be to find adequate coverage.Insurance provides essential financial protection for your future.
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