• Personal Lines of Insurance
The choices for types of life insurance have mushroomed during the past decade. In addition to the old standbys of term life and whole life, other options are now available and growing in popularity. Some are riskier investments than others, and some are designed to cover business
interests more than family needs. Policies can be tailored to specific professional and family situations by careful planning and advice.

• Commercial Lines of Insurance
The most common types of commercial insurance are property, liability and workers' compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers' compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additional specialized coverages. Listed below are some of the different types of business insurance.

  

• Life/Health Insurance
Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.