tailieunhanh - What You Should Know About...Insurance

Remember, not everyone should buy a long-term care insurance policy. For some, a policy is affordable and worth the cost. For others, the cost is too great, or the policy they can afford doesn’t offer enough benefits to make it worthwhile. You should not buy long-term care insurance if the only way you can afford to pay for it is by not paying other important bills. Look closely at your needs and resources, and discuss it with a family member to decide if long-term care insurance is right for you. (There are several worksheets at the back of this book that will help you as you think. | What You Should Know About. Insurance LIFE INSURANCE DISABILITY INSURANCE LONG-TERM CARE INSURANCE YourMoneyCounts Like most people you probably don t live your life expecting the worst to happen. But you do take certain precautions to protect yourself and your loved ones from potential dangers. Just as health insurance provides important protection when you re ill other types of insurance have a role to play in making you more secure financially. But you may not be sure what kinds of insurance you should have or how much coverage you need. 2005 HSBC Finance Corporation. All rights reserved. This content is provided as educational material only and is not intended to solicit you for any product or service. These materials are not a recommendation by HSBC for any product service or financial strategy. The suggestions and recommendations contained within are general in nature and may or may not apply to your particular circumstances. Securities annuity and insurance products are not FDIC insured or insured by any federal government agency of the United States subject to investment risk including possible loss of principal invested. All decisions regarding the tax implications of your investment s should be made in connection with your independent tax advisor. Should you need further assistance HSBC strongly recommends contacting an independent attorney tax professional or financial consultant. Your insurance needs When you buy an insurance policy you are paying some money now to ensure against financial loss and to provide economic stability for your family. In some cases you buy insurance hoping that you will never need it. Collision insurance on your new car is one example. No one purchases car insurance with the belief they ll be involved in an accident and have to file a claim. However the prospect of a bill you would have to pay that could amount to thousands of dollars justifies the cost of the insurance. In other cases you buy insurance because you know you .