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Econ PF28

QuestionAnswer
Insurance A risk management plan that will protect you against financial loss
Risk Management plan The insured betting that something bad will happen. The insurance company betting nothing bad will happen.
Three factors that help determine the need for insurance Age,family situation,income
Four major insurance categories Auto,Health,Property,Life
Premium Payment made to an insurance company for coverage
Four factors that affect insurance premiums Family size, age of car, age of individual covered,Type of covereage purchased
Deductible Dollar amount you have to pay before insurance kicks in
Co-pay Paying a small portion of cost covered by insurance
Risk Factors Hard statistics that predict whether someone is likely to be a bad risk
Where do most people get health insurance? Through their employer
How long will you be covered by your parents health insurance? 23 Years of age
Five tips to reduce your auto insurance costs Increase your deductible, drive carefully,install safety and anti-theft devices,take driver safety classes,shop around for your insurance
Advantages of using an insurance agent Helps you file a claim,acts on your behalf with the provider
Created by: sudokken
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