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The amount of life insurance you need depends on several factors, including your income, debts, dependents, and financial goals. A common rule of thumb is to have coverage that’s 10-12 times your annual income. However, it’s best to use a life insurance calculator or speak with one of our advisors to determine the most appropriate amount for your specific situation.

Homeowners insurance covers the structure of your home and your personal belongings, as well as liability protection. Renters insurance, on the other hand, is for those who rent their living space. It covers your personal belongings and provides liability protection, but it does not cover the building itself, which is the responsibility of the landlord.

Several factors influence your health insurance premiums, including your age, location, tobacco use, and the type of plan you choose. Plans with higher coverage levels or lower deductibles generally have higher premiums. Additionally, your health status can sometimes play a role, depending on the type of policy you are applying for.

To file an insurance claim, first, gather all relevant information, such as policy numbers, dates, and documentation. Then, contact your insurance provider as soon as possible, either online, by phone, or through our mobile app. Our claims department will guide you through the process and provide any necessary forms. Be sure to document everything and keep copies of all correspondence.