Policy options

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Updated: 3/27/2003 1:09 pm
By knowing what types of policies are available, you can ensure that you purchase the insurance policy that's best for you. Your policy should guarantee that you can renew it until your at least sixty-five. This guarantee means your insurer will allow you to renew as long as you pay your premiums, regardless of your health or job status. This level of policy is referred to as 'non-cancellable.' Your policy should also pay benefits for disabilities that come from injury or illness, instead of just injury. Ask your insurance agent if your premiums will increase over the life of the policy. Policies that have increasing premiums are generally less expensive at first. If your can afford to wait longer for your benefits, you may be able to reduce your premiums. Consult an insurance agent in your area for more information about your policy options.

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