Do you need insurance coverage?
Do you need it now?
 Welcome to Higher Insurance. We provide information and resources to help people get immediate coverage. Higher Insurance will also help you find excellent customer care, a low down payment and low monthly payments.
To contact Higher Insurance, please click here
Find insurance coverages including:
- Automobile
- Truck
- Health
- Life
- Disability
- Homeowners
- Contractors
- Business
- Bond
 Life Insurance
Life insurance provides a monetary benefit to family or beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Disability Insurance
Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Property & Casualty Coverages
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance. Casualty insuranceinsures against accidents, not necessarily tied to any specific property.
Automobile insurance
 Automobile insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits.
Health Insurance
Health insurance policies will often cover the cost of private medical treatments. A Health insurance policy is a contract between an insurance company and an individual. The contract can be renewable annually or monthly.
Premium: The amount the policy-holder pays to the health plan each month to purchase health coverage.
 Deductible: The amount that the policy-holder must pay out-of-pocket before the health plan pays its share.
Copayment: The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service.
Coinsurance: Instead of paying a fixed amount up front (a copayment), the policy-holder must pay a percentage of the total cost.
Exclusions: Not all services are covered. The policy-holder is generally expected to pay the full cost of non-covered services out of their own pocket.
Coverage limits: Some health plans only pay for health care up to a certain dollar amount.
Out-of-pocket maximums: Similar to coverage limits, except that in this case, the member's payment obligation ends when they reach the out-of-pocket maximum, and the health plan pays all further covered costs.
Countywebsite.com ©2008 |
