UNITED INSURANCE BROKERS

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Insurance

•  The structure of your home

•  Replacement costs

•  Personal possessions (up to a set limit)

• Living expenses in case of a disaster

• Liability

Homeowner’s coverage doesn’t have to be difficult to understand. A basic

policy will cover the following:

You can also add supplemental policies such as:

•  Valuable Articles/Floater policies

         (i.e. Jewelry Insurance)

•  Flood policies

•  Umbrella policies (additional liability)

Life

Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

• Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

• Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

• Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.