If know about condo and renters insurance than it's pretty easy to say what it is they have in common...both are property insurance policies. But there's another common thread that strings together renters, condo and cancer insurance and it's called, price. These three policies can be so cost effective that they are almost free. Well, some say nothing is free...right? Well, there maybe some acceptations to the rule....
Renters and Condo Insurance
These two policies can be so cost effective if you package them with your auto carrier. The discount you receive on your car insurance is usually so big that it'll pay for the premium. Here's an example: Currently your monthly car insurance is $130 = $1560 a year. With companies such as Allstate Insurance you'll receive a discount for having multiple policies, thus lowering your car insurance by ten percent = $156 discount! Now, premiums vary with different coverage's but renters insurance can run you as low as $154 and $175 for a condominium policy. You do the math; the multiple policy discounts are so grand that you've paid for an additional insurance policy!
Why Should You Have This Coverage?
Well, the price is right but that's not all of it. Did you know that your homeowners association only carries coverage for the building structure and that you're probably responsible for things like balconies, interior drywall, carpet and flooring, cabinets, toilets, sinks and much more. If there's a fire in your building you can be assessed big sums of money, even if it's not your unit. Renters along with condo covers all of your personal property inside. Example: clothes, appliances, TVs and sound systems, etc. You can only imagine how much it would cost to replace everything in your life, adding up to thousands. How many people live in your building? Can you really be sure that all of them are as careful as you? Someone leaves a candle burning while another is a big smoker...no one can predict or control these situations. Getting these two policies protect your financial interest plus with the discount on your car insurance you can make this free!
Also, don't forget other coverage's that come on these two policies...liability, loss of use coverage and let's not forget having protection from theft - in some policies you can have protection of your belongings even when it's in your car or your luggage while traveling. Make sure you ask a license professional to go over such details.
Have you ever heard of Cancer Insurance?
This is the third pick. This type of insurance pays you, not your doctor, if you are diagnosed with cancer or just for your annual wellness exams. This right here is the key; this policy will pay you just for getting your annual wellness exams like mammograms, pap tests and one other wellness test like chest x-ray or skin biopsy.
Here's an example with a copy of your medical bill of the maximum you can get paid for:
$200 paid to you for a mammogram + $200 paid to you for a annual pap test = $400
*With Allstate Insurance you can get $70 or the cost of your mammogram & $50 or the cost of your pap test - with a maximum of $200 paid out per test.
The annual premium for age 45 individual Premier (top of the line) is $361 with Allstate Cancer Insurance. Also, you can qualify for another wellness test paid to you for $100 under the Premier policy. For women, this is huge, your regular wellness exams should be paid by your health insurance but you'll get these benefits paid to you direct. This feature alone pays for itself! Not all cancer policies are created equal so check with a license professional.
One in every three women will be affected by cancer and only half of the expenses of treatment will be covered on traditional health coverage. This policy will pay you so you can pay whatever bills you see fit. It's a win, win - you get your annual exams promoting early detection + you have peace of mind knowing you have a financial back up plan in case of the unknown.
Men have the wellness benefit too...getting paid for one test such as a PSA or colonoscopy. There are family plans available and with everyone getting regular cancer screenings, the wellness feature really makes this policy extremely affordable.
Making it all work together...
American Cancer SocietyThese three policies, renters, condo owners and cancer insurance, are extremely cost efficient when proper discounts are applied and wellness benefits are used. For more information on making this work for you please call us at 866-614-3400
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