Find Clear Answers to Your Insurance Questions

It can help pay for eligible medical services covered by the plan, subject to benefits, limits, exclusions, deductibles, copays, and other terms.

A deductible is the amount you may have to pay for covered services before the plan begins paying according to its benefits.

A copay is a fixed amount you pay for a covered service when the plan requires one.

Coinsurance is the percentage of an eligible covered expense you may be responsible for after applicable deductibles.

In-network providers have an agreement with the plan. Out-of-network care may have different benefits or higher costs depending on the plan.

Follow the insurer’s claim instructions and provide requested bills, receipts, forms, and supporting information. Some providers submit claims directly.

It is an insurer review and approval process required for certain services before they are provided, depending on the plan.

Review your plan documents and contact the insurer before receiving the service when possible, especially for expensive or specialized care.

Personal insurance may include auto, home, renters, travel, and other coverage designed to protect individuals and households from specified risks.

Depending on the policy, it can include liability and may also cover vehicle damage, medical expenses, uninsured motorists, or other specified risks.

It can help protect you financially when you are legally responsible for covered injury, damage, or loss involving another person or property.

It may cover specified property damage, belongings, liability, and additional living expenses, subject to the policy.

A landlord’s policy generally protects the building and landlord’s interests, not all of the renter’s belongings or liability exposures.

No. Coverage is limited by definitions, exclusions, conditions, deductibles, limits, and endorsements.

Review it after moving, buying a vehicle or home, adding household members, acquiring valuable property, or changing how property is used.

Compare appropriate options, review deductibles and limits, ask about eligible discounts, and avoid coverage that does not fit your needs.

It is a group of coverages designed to help protect a company from specified property, liability, operational, employee-related, or other business risks.

It can help protect a business against certain covered third-party claims involving bodily injury, property damage, or related allegations.

No. Needs vary by industry, operations, location, contracts, assets, employees, and risk exposure.

It can protect eligible business property such as buildings, equipment, inventory, and other insured property against covered causes of loss.

It generally provides benefits for covered work-related injuries or illnesses, subject to applicable law and policy requirements.

It can help protect certain professionals against covered claims alleging errors, omissions, or failures in professional services.

A certificate is commonly used to provide evidence of certain insurance coverage to a client, landlord, lender, contractor, or other party.

Review it when the business expands, changes services, adds locations or employees, acquires equipment, signs major contracts, or materially changes its risk.

It is a contract that can provide a death benefit to designated beneficiaries when the insured person dies, subject to policy terms and conditions.

It may help provide financial support for dependents, replace income, address debts or final expenses, or support longer-term planning.

A beneficiary is the person, organization, or other eligible party designated to receive the policy’s death benefit.

Term insurance generally covers a specified period; permanent insurance is designed for longer-term coverage and may include additional features.

Many policies allow changes, but the process and restrictions depend on the policy. Review the beneficiary provisions before making a change.

Premiums can depend on age, coverage amount, policy type, underwriting information, and other risk factors considered by the insurer.

The policy may enter a grace period and could later lapse if required premiums are not paid. Exact consequences depend on the policy.

Review it after major life or financial changes such as marriage, divorce, a new child, income changes, business obligations, or beneficiary changes.