Universal life insurance is a type of permanent life insurance. With a universal life policy, the insured person is covered for the duration of their life as long as they pay premiums and fulfill any other requirements of their policy to maintain coverage. Like many permanent life policies, universal life insurance combines a savings component (called "cash value") with lifelong protection. When you pass away, the policy's death benefit is paid out to your beneficiaries.
#lifeinsurance #insurance
https://www.allstate.com/tr/life-insurance/universal-life-insurance.aspx
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What Is Universal Life Insurance? | Allstate
Before you start requesting and comparing residential insurance quotes, you may want to have a good understanding of the basics.
Whether you own a house, condo or manufactured home, you can purchase insurance based on the amount of risk you're comfortable accepting. Every individual has unique situations and circumstances that may influence the decisions they make when selecting a policy. Here are some factors that may help determine what kind of insurance policy is right for you and how much you may pay for it.
https://www.allstate.com/tr/home-insurance/coverage-limits-and-deductibles.aspx
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Homeowners Insurance Cost Factors | Allstate
Maybe you're putting your car in storage while you take an extended vacation or spend the winter in a warmer climate. There are a number of reasons why you might not need to use your car for a time, and why you might consider dropping your car insurance coverage while your car's not in use.
But is it a smart thing to do? Does it make sense to cancel the insurance on your car while it's in storage?
You may realize some short-term savings by not paying a monthly insurance premium for your stored car, but there are drawbacks to canceling a policy. You might want to review your options for reducing your coverage instead.
https://www.allstate.com/tr/car-insurance/insuring-a-car-in-storage.aspx
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Do I Need Insurance For A Car That's In Storage? | Allstate
A life insurance beneficiary is the person or entity that will receive the money from your policy's death benefit when you pass away. When you purchase a life insurance policy, you choose the beneficiary of the policy. Your beneficiary may be, for example, a child or a spouse.
https://www.allstate.com/tr/life-insurance/life-insurance-beneficiary.aspx
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What Is A Life Insurance Beneficiary? Get the Facts | Allstate
A life insurance beneficiary is the person or entity that will receive the money from your policy's death benefit when you pass away. When you purchase a life insurance policy, you choose the beneficiary of the policy. Your beneficiary may be, for example, a child or a spouse.
https://www.allstate.com/tr/life-insurance/life-insurance-beneficiary.aspx
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What Is A Life Insurance Beneficiary? Get the Facts | Allstate
Whether you downplay the risks of a hurricane, you haven’t experienced a hurricane before or you simply become overwhelmed at the thought, you may tend to put those preparations off, waiting until the skies cloud up and weather warnings are deployed.
https://www.allstate.com/blog/preparing-for-a-hurricane/?intcid=/community/allstate/tropical-weather-watches-warnings/|D|RECMod
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3 Reasons to Prepare for a Hurricane Early | The Allstate Blog
The amount of life insurance you need may depend on how much your family will need for future expenses after you pass away. You should consider your family's comprehensive future expenses and income, including major life events. Your current assets are also important to consider, along with any potential for those assets to increase in value. Based on these factors, and the length and type of the policy you choose, this calculator may help you decide how much life insurance is right for you.
https://www.allstate.com/tr/life-insurance/how-much-life-insurance-calculator.aspx
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How Much Life Insurance Do I Need? | Allstate
Your renters insurance policy may help pay to repair or replace personal handheld electronics, including a laptop, smartphone, tablet or personal computer, if they are stolen or damaged by certain causes.
The personal property coverage in a renters insurance policy typically helps cover your personal belongings if they are damaged or destroyed by a covered risk, often referred to as a peril. Perils that are covered by renters insurance may vary, but they typically include fire, windstorms, lightning and certain types of water damage. Renters insurance may also help cover theft of your belongings.
https://www.allstate.com/tr/renters-insurance/laptop-covered-renters-insurance.aspx
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Can I Insure My Laptop and Mobile Devices? | Allstate
Time is money when it comes to saving for retirement, and this tool can show you why. Whether you're entry-level, mid-career or nearing retirement, see how much you need to save each month to help reach your retirement goal — and what it could cost you if you put off saving for just a couple years
#retirement #Retirementsavings #lifeinsurance
https://www.allstate.com/tr/retirement/retirement-savings-calculator.aspx
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Retirement Calculator: See Monthly Retirement Savings Goals Based on Age | Allstate
This calculator helps you determine which is better for you: term vs. universal life insurance. The calculator compares rates of return for term and universal life insurance policies for three periods:
*Between now and when your term life policy expires.
*Between now and when you collect full cash value for your universal life policy.
*Between now and the time of your death.
Usually, universal life insurance policy premiums are higher than term life premiums at the outset. Term life premiums increase, however, generally overtaking the premium amount for universal life policies as you get older and have to renew your term life policy.
https://www.allstate.com/tr/life-insurance/term-vs-universal-calculator.aspx
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Term Life vs Universal Life Insurance Calculator | Allstate
A life insurance beneficiary is the person or entity that will receive the money from your policy's death benefit when you pass away. When you purchase a life insurance policy, you choose the beneficiary of the policy. Your beneficiary may be, for example, a child or a spouse.
https://www.allstate.com/tr/life-insurance/life-insurance-beneficiary.aspx
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What Is A Life Insurance Beneficiary? Get the Facts | Allstate
If your teen has a learner's permit, it may be a good idea to add them to your car insurance policy. That way, if your learner driver is involved in a car accident, you could file a claim with your insurer, and your car insurance policy would typically help pay for related expenses.
https://www.allstate.com/tr/car-insurance/learner-driver.aspx
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Learner's Permits and Insurance for Teenage Drivers | Allstate
Replacement cost and actual cash value refer to how your homeowners insurance policy reimburses you for property damage after a covered loss. While both types of coverage help with the costs of rebuilding your home or replacing damaged items after a covered loss, actual cash value policies are based on the items' depreciated value while replacement cost coverage does not account for depreciation.
https://www.allstate.com/tr/home-insurance/actual-cash-value-replacement-cost.aspx
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Replacement Cost vs. Actual Cash Value | Allstate
An insurance rider — also referred to as a floater or an endorsement — is an optional add-on to an insurance policy. A homeowners insurance rider amends a basic policy. By purchasing a rider on top of your standard coverage, you may be able to increase your coverage limits, expand coverage for certain property or extend protection to help cover additional perils.
https://www.allstate.com/tr/home-insurance/what-is-an-insurance-rider.aspx
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What Is an Insurance Rider in a Homeowners Policy? | Allstate
Whether it's to live out each winter as a snowbird or spend summer weekends at a lakeside retreat, a second home can have tremendous appeal. But, as with your main residence, a vacation home is something that you'll probably want to protect with homeowners insurance.
Will your insurance policy on your primary home help protect your second home? Read on to learn if homeowners insurance extends to two residences and when you may need separate policies.
https://www.allstate.com/tr/home-insurance/vacation-home.aspx
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Second Home Insurance | Allstate
