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1. Non Cancel-able Disability Insurance
Ex: Expensive; benefits and rates remain consistent; do not cancel policy unless it is not paid
2. Guaranteed Renewable Disability Insurance
Ex: Allows you to renew your coverage and not have to pay for higher premiums
3. Conditionally Renewable Disability Insurance
Ex: Possibility of premiums going up; likelihood that the company can cancel policies based on if conditions are met
4. Cost of Living Adjustment Disability Insurance
Ex: The benefits increase as cost of living increases
5. Business Overhead Expense Disability Insurance
Ex: best type for business owners; pays for all expenses related to business

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Examples of life changes to consider for disability insurance 

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Examples of life changes to consider for disability insurance 

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1. Getting employed to a high risk job
2. Having a serious illness
3. Getting a serious injury
4. Being single and first starting out
5. Getting married and having kids

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They would need long term care insurance
-To help pay for living expenses in old age
-Would need full coverage because you are retired and do not receive a sufficient payment anymore
-Disability and life insurance is unnecessary because they are unemployed and do not need to care for family financially

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They would need disability, life insurance, and long term care insurance
-Would need full life insurance coverage to protect the family's lifestyle as much as possible
-Would need basic coverage for disability insurance just in case you cannot provide your end of the payment if anything were to happen
-Would need small coverage for long term care insurance like to start planning your retirement plans

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You would need disability insurance
You are single and so you would mostly need disability insurance because you are the only one who is receiving payment for his own expenses
-In case of any injury or illness that will prevent you from working
-Needs full coverage of disability insurance but other insurances is not as neccessary

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-People of age and people that suffers from a severe illness or accident should get (LTC) insurance.
Types of care that is covered
-Skilled
-Intermediate Care
-Custodial Care

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-Almost everyone who is employed should have disability insurance; especially singles and people with high risk jobs
- Helps with ensuring that you will still receive payment if you are unable to work because of an illness or injury

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Life Insurance (life events to consider)

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Life Insurance (life events to consider)

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1. Funeral Costs

2. Paying debt
3. Getting married
4. Finance children's college funds
5. Pay bills and outgoing living expenses
6. Retirement plan
7. First job
8. Continue family business

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- It is important for single people to have disability insurance; no one to rely on financially
-For families life insurance is needed in case of lost income to the family by death; it could help with paying for their children's college tuition money
-During retirement you would need long term care insurance to help pay for the costs of living at an old age especially when your health insurance expenses will go up the more they age
Human life worth: $0