Insurance Basics Information For EveryOne

Most people get health insurance through a job-based health plan, or they buy it themselves from an insurance company. 

If you have to buy insurance on your own, many kinds of private health insurance policies are for sale. Different kinds of policies can offer very different kinds of benefits and can limit your access to some doctors, hospitals, or other providers. 

The kinds of benefits and which care providers your policy covers can make a big difference in your costs and the quality of care you get if you become ill.

Can I keep my current doctor?

Private health insurance plans often have networks of hospitals, doctors, specialists, pharmacies, and other health care providers. Networks include health care providers that have a contract with an insurer to take care of the plan’s members. 

When choosing a plan, review the list of providers that give care under the policy. If staying with your current doctors is important to you, check to see if they are included.

Depending on the type of policy you buy, care may be covered only when received from a network provider.  To get care from a specialist you may need a referral from your primary care doctor.

Accident, sickness and unemployment insurance

•  
• Disability insurance policies provide financial support in the event of the policyholder becoming unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgage loans and credit cards. Short-term and long-term disability policies are available to individuals, but considering the expense, long-term policies are generally obtained only by those with at least six-figure incomes, such as doctors, lawyers, etc. Short-term disability insurance covers a person for a period typically up to six months, paying a stipend each month to cover medical bills and other necessities.
• Long-term disability insurance covers an individual's expenses for the long term, up until such time as they are considered permanently disabled and thereafter. Insurance companies will often try to encourage the person back into employment in preference to and before declaring them unable to work at all and therefore totally disabled.
• Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
• 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.
• Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.

How Many Types of Insurance 2015

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Hi

Today I am Going to Tell you That How Many Types Of Insurance


Types of Insurance

A

Alien abduction insurance

Assumption reinsurance

Auto repair insurance

Aviation insurance


B

Bancassurance

Bond insurance

Builder's risk insurance

Business interruption insurance

Business overhead expense disability insurance


C

Casualty insurance

Catastrophe bond

Chargeback insurance

Computer insurance

Contents insurance

Credit insurance

Crime insurance

Crop insurance


D

Death bond


Deposit insurance

Directors and officers liability insurance

Dual trigger insurance


E

Earthquake insurance

Expatriate insurance


F

Fidelity bond

Financial reinsurance

FLEXA

Flood insurance


G

General insurance

German Statutory Accident Insurance

Group insurance

Guaranteed asset protection insurance


H

Home insurance


I

Income protection insurance

Inland marine insurance


J

User:Jordan nls


K

Key person insurance

Kidnap and ransom insurance


L

Landlords insurance

Legal expenses insurance

Lenders mortgage insurance

Liability insurance

Lincoln Income Life Insurance Company

Locked Funds Insurance

Longevity bond

Longevity insurance


M

Marine insurance

Mortgage insurance

Mutual insurance


N

No-fault insurance


P


Parametric insurance

Payment protection insurance

Pension term assurance

Perpetual insurance

Pet insurance

Political risk insurance

Pollution insurance

Pre-paid legal service

Prize indemnity insurance

Professional liability insurance

Property insurance

Protection and indemnity insurance


R

Reinsurance

Rent guarantee insurance

Risk purchasing group


S

Satellite insurance


T

Terminal illness insurance

Terrorism insurance

TMSF

Trade credit insurance

Travel insurance


U

UCC Insurance

Uninsured employer (US)

Workers' compensation employer defense

Unit-linked insurance plan


V

Full tort and limited tort automobile insurance

Motorist coverage in Pennsylvania

Vehicle insurance


W

Wage insurance

War risk insurance

Weather insurance

Worker's compensation (Germany)

Workers' compensation


Z

Zombie fund

Bankers Life and Casualty 2015

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Established in 1879 in Chicago, Bankers Life and Casualty Company focuses on the insurance needs of the retirement market. The nationwide company, a subsidiary of CNO Financial Group, Inc. (formerly Conseco), offers a broad portfolio of life and health insurance retirement products designed especially for seniors.

Bankers has more than 1.3 million policyholders and offers a comprehensive portfolio of insurance products including long-term care and life insurance, annuities, and Medicare products including supplement plans, Medicare Advantage Plans and Medicare Part D prescription drug coverage.

The Wall Street Journal reported that Bankers also offers vision and dental plans through a partnership with Humana.

The company sells its products through a network of over 5,000 insurance agents based in over 200 nationwide branch offices.

In business since 1879, the company was developed and owned by Chicago insurance man John D. MacArthur since 1935. At the time of his death in 1978, control of the company passed to the John D. and Catherine T. MacArthur Foundation, a major charitable institution in the U.S. The foundation later sold Bankers Life and Casualty Company.

Today, Bankers is a subsidiary of CNO Financial Group, Inc., a holding company for a group of insurance companies operating throughout the United States.

As of 2010, Bankers has $13 billion in assets under management. In 2010, Bankers processed more than seven million claims and paid out more than $1.1 billion in policy benefits.

Bankers was named one of the top 10 long-term care insurers in 2009 by LIMRA.

American Income Life Insurance Company

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American Income Life Insurance Company (formerly NASDAQ: AINC) based in Waco, Texas, provides supplemental life insurance to labor unions, credit unions, and associations. American Income Life (AIL) was founded in 1951. The company’s executive offices have been located in Waco, Texas, since 1959. American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly owned subsidiaries: National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland.

AIL has more than two million policyholders (as of 6/10). With its New York subsidiary, National Income Life Insurance Company (NILICO), the company has combined assets of more than $2.2 billion with more than $35.2 billion of life insurance in force (as of 12/10). American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.

American Family Insurance 2015

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American Family Insurance (aka AmFam) is a private mutual company that focuses on property, casualty and auto insurance, but also offers commercial insurance, life, health, and homeowners coverage, as well as investment and retirement-planning products. A Fortune 500 company, its revenues for 2008 were over $6.7 billion.

Subsidiaries

Companies of the American Family Insurance Group include:

• American Family Mutual Insurance Company (AFMIC)
• American Standard Insurance Company (ASIC)
• American Family Life Insurance Company (AFLIC)
• American Family Brokerage, Inc. (AFB)
• American Family Insurance Company of Ohio (AFICO; Ohio subsidiary, companion to American Family Mutual Insurance Company)
• American Standard Insurance Company of Ohio (ASICO; Ohio subsidiary; companion to American Standard Insurance Company of Wisconsin)
• American Family Securities, LLC (AFS)
• Amfam.com Inc.(AMFAM)

Insurance Companies in The United States of America (USA)

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You want all the insurance companies of the USA? Here it is. An entire list of all the insurance companies in the United States. Ranging from the best to the worst. In the coming days we will be writing about each insurance company in this list. Stay tuned!

This Is All My Search and i am going to share with you,,
Hope it will be helpful for you ,

U.S. insurance companies
    21st Century Insurance
    AccuQuote
    Aflac
    Alleghany Corporation
    Allied Insurance
    Allstate
    American Automobile Association
    American Family Insurance
    American Income Life Insurance Company
    American International Group (AIG)
    American National Insurance Company
    Americo Financial Life and Annuity Insurance Company
    Ameritas
    Amica Mutual Insurance
    Aon Corporation
    Assurant
    Assurity
    Auto-Owners Insurance
    AXA Equitable Life Insurance Company
    Bankers Life and Casualty Company
    Berkshire Hathaway
    California Casualty
    Capital Insurance Group
    Cincinnati Insurance Company
    CNA Financial
    Colonial Life & Accident Insurance Company
    Commerce Insurance Group
    Conseco
    Country Financial
    Chartis
    Chubb Corp.
    Encompass Insurance Company
    Equitable Life & Casualty Insurance Company
    Erie Insurance Group
    Esurance
    Everest Re Group
    Evergreen USA RRG
    Farmers Insurance Group
    Federated Mutual Insurance Company
    GAINSCO
    GEICO
    General Re
    Genworth Financial
    GMAC Insurance
    Guardian Life Insurance Company of America
    Hanover Insurance
    The Hartford
    HCC Insurance Holdings
    Hereford Insurance Company
    Hiscox Insurance Company Inc
    Infinity Property & Casualty Corporation
    Insurance Company of the West (ICW Group)
    International Fidelity Insurance Company
    Illinois Mutual
    Iroquois Group Inc.
    Jackson National Life
    John Hancock Insurance
    Kemper Insurance
    K&K Insurance
    Knights of Columbus
    La Playa Insurance
    lgap Insurance
    Knights of Columbus Insurance
    Liberty Mutual
    Lincoln National Corporation
    Markel Corporation
    MassMutual Financial Group
    Merchants Insurance Group
    Mercury Insurance Group
    MetLife
    Mutual of America
    Mutual of Omaha
    Nationwide Mutual Insurance Company
    New Jersey Manufacturers Insurance Company
    New York Life Insurance Company
    Northwestern Mutual
    Ohio National
    OneBeacon
    Oxford Health Plans
    Orange County Insurance Agency
    Pacific Life
    PEMCO
    Penn Mutual
    Primerica
    Principal Financial Group
    Progressive
    Protective Life
    Prudential Financial
    The Regence Group
    Reliance Insurance Company
    Response Insurance
    RLI Corp.
    Safe Auto Insurance Company
    Safeco
    Safeway Insurance Group
    Sentry Insurance
    Selective Insurance
    Seven Corners Inc
    Shelter Insurance
    Southern Aid and Insurance Company
    Standard Insurance Company
    State Farm Insurance
    Symetra
    Tri-State Consumer Insurance Company
    TIAA-CREF
    The Travelers Companies
    Uniguard - Headquarter in greater Seattle area
    United Auto Insurance Company
    Unitrin Direct Auto Insurance
    Unum
    Vantislife Insurance Company
    USAA
    Wawanesa Insurance USA (CA and OR)
    West Coast Life
    Western Mutual Insurance Group
    Western & Southern Financial Group
    Westfield Insurance
    Western Reserve Life Insurance Company
    White Mountains Insurance Group


Annuity

    Allstate
    American Family Insurance
    American Fidelity Assurance
    Amica Mutual Insurance
    Aviva
    AXA Equitable Life Insurance Company
    Bankers Life and Casualty
    Conseco
    Farmers Insurance Group
    Fidelity
    Genworth Financial
    ING Group
    Jackson National Life
    John Hancock Insurance
    Lincoln National Corporation
    MetLife
    Mutual of Omaha
    Nationwide Mutual Insurance Company
    Old Mutual
    Pacific Life
    Protective Life
    Prudential Financial
    Standard Insurance Company
    State Farm Insurance
    Thrivent Financial for Lutherans
    TIAA-CREF
    Transamerica Corporation
    UNIFI Companies
    United of Omaha
    Western & Southern Financial Group


Health insurance (major medical insurance)

    Roseville Insurance
    AARP
    Aetna
    American Family Insurance
    American National Insurance Company
    Amerigroup
    Anthem Blue Cross and Blue Shield
    Assurant
    Blue Cross and Blue Shield Association
    Celtic Insurance Company, subsidiary of Centene Corporation
    Centene Corporation
    Cigna
    Coventry Health Care
    EmblemHealth
    Fortis
    Golden Rule Insurance Company
    Group Health Cooperative
    GHI
    Health Net
    HealthMarkets
    HealthSpring
    Highmark
    Humana
    Independence Blue Cross
    Kaiser Permanente
    LifeWise Health Plan of Oregon
    Medical Mutual of Ohio
    Molina Healthcare
    Premera Blue Cross
    Principal Financial Group
    The Regence Group
    Shelter Insurance
    Thrivent Financial for Lutherans
    UnitedHealth Group
    Unitrin
    Universal American Corporation
    WellCare Health Plans
    WellPoint


Medicare

    Aetna
    American Family Insurance
    Bankers Life and Casualty
    Conseco
    Mutual of Omaha
    Premera Blue Cross
    Thrivent Financial for Lutherans
    Kaiser Permanente


Supplemental insurance

    Aflac
    Allstate
    American Fidelity Assurance
    Colonial Life & Accident Insurance Company
    Conseco
    Liberty National Life Insurance Company
    Mutual of Omaha


Supplemental health insurance

    Family Heritage
    Aflac
    Allstate
    MEGA Life and Health Insurance
    State Farm Insurance
    AARP


Travel insurance

    Access America, a brand of Mondial Assistance Group
    International Medical Group
    Seven Corners, Inc.
    Travel Guard
    Usa-Assist Worldwide Protection
    Aeromedevac
    Missionary Travel Association
    MediMundi Travel Directory


Workers' compensation
Assist Card

    Accident Fund
    American International Group (AIG)
    CompWest
    Erie Insurance Group
    Hanover Insurance
    The Hartford
    Liberty Mutual
    Merchants Insurance Group
    Missouri Employers Mutual
    Nationwide Mutual Insurance Company
    Penn National Insurance
    Sentry Insurance
    State Accident Insurance Fund
    State Compensation Insurance Fund
    State Farm Insurance
    Third Coast Underwriters (3CU)
    United Heartland
    WellPoint
    Zenith Insurance Company
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