Insurance Information: Video Series

AARP life insurance plans can be purchased through the AARP Web site, qualify most people for coverage and can be purchased at a discounted rate, but offer limited coverage. Consider an AARP life insurance plan to cover burial costs with advice from a licensed life and health insurance representative in this free video on insurance.

Save money on life insurance by purchasing term life insurance, working with a broker who can provide quotes from different companies and making sure to understand the terms of the policy. Get life insurance coverage for a specific amount of time to save money with tips from a licensed life and health insurance representative in this free video on insurance.

Cancer insurance pays for qualified medical expenses related to the treatment of cancer. Obtain cancer insurance cover to avoid the financial hardships associated with cancer treatment with information from a licensed life and health insurance representative in this free video on insurance.

Accidental death and dismemberment insurance, or AD&D, provides coverage for the insured in the case of accidental death or permanent disability. Purchase AD&D insurance as a supplemental plan to life insurance policies with advice from a licensed life and health insurance representative in this free video on insurance.

Teachers, artists and other people without stable income should purchase basic health insurance and disability insurance to provide coverage in case of catastrophic events. Consider getting life insurance if there are dependents who require your income with information from a licensed life and health insurance representative in this free video on insurance.

A co-pay is the amount paid by an insured person to supplement insurance coverage for doctor's or hospital visits. Reduce your deductible by paying a co-pay with advice from a licensed life and health insurance representative in this free video on insurance.

AARP homeowner's insurance provides coverage for senior citizens against structural damage on a house or if someone is injured on the property. Carefully read the terms of a homeowners insurance policy to understand the coverage with advice from a licensed life and health insurance representative in this free video on insurance.

There are two main types of life insurance: term policies, which offer inexpensive coverage for a set period of time, and whole life policies, which cover the insured for his or her entire life. Find out how loans can be drawn from whole life insurance policies with information from a licensed life and health insurance representative in this free video on insurance.

To file a disability claim, contact the agent that sold the policy, obtain the proper paperwork, and provide medical documentation about the disability. Work with an insurance agent to make filing a claim easier with insight from a licensed life and health insurance representative in this free video on insurance.

File for medical disability by determining whether you qualify for SSDI or SSI coverage, gathering the basic paperwork and submitting paperwork and medical documentation to the Social Security Administration. Supplement disability payments with passive streams of income using advice from a licensed life and health insurance representative in this free video on insurance.

Qualifying for disability can require a simple medical history, or it may require complicated health exams, blood work, medical documents and W2 forms. Understand the terms of a disability policy with information from a licensed life and health insurance representative in this free video on insurance.

A long-term disability is any medical ailment that puts a person out of a job for a lengthened period of time. Understand the terms of disability insurance to get information on qualifying with advice from a licensed life and health insurance representative in this free video on insurance.

To qualify for temporary disability, the insured must sustain an injury or illness that prevents working for a short period of time. Find out about temporary disability benefits and coverage periods with information from a licensed life and health insurance representative in this free video on insurance.

A permanent disability is the loss of a body part, mental impairment or the loss of bodily functions that impairs a person from functioning normally. Find out how the scope of disability has been broadened with information from a licensed life and health insurance representative in this free video on disabilities.

AARP short-term life insurance can be purchased by senior citizens through the AARP Web site to cover final expenses for a specified coverage period. Work with an insurance agent to understand the coverage of short-term life insurance with advice from a licensed life and health insurance representative in this free video on insurance.

Buying life insurance for a spouse is important to cover any loss of income or loss of child care. Work with an insurance agent to discuss your insurance needs with advice from a licensed life and health insurance representative in this free video on insurance.

Medicaid does cover mental health care, but it can be difficult to qualify for Medicaid coverage depending on income and assets. Find out how Medicaid mental health care coverage may depend on the state with information from a licensed life and health insurance representative in this free video on insurance.

Comprehensive deductibles are the amount that the insured pays out of pocket before the insurance company will pay for medical expenses. Learn about how the lower the deductible, the higher the annual cost for the insurance, with information from a licensed life and health insurance representative in this free video on insurance.

The two major types of individual health insurance policies are health maintenance organizations, or HMOs, and preferred provider organizations, or PPOs. Find out how HMOs and PPOs provide a pool of doctors for the insured to visit with information from a licensed life and health insurance representative in this free video on insurance.

Group health insurance coverage for individuals reduces costs, requires a certain percentage of a business to participate and may not be tailored to fit individual needs. Find out how companies benefit from group health insurance coverage with information from a licensed life and health insurance representative in this free video on insurance.

Health insurance for individuals with preexisting conditions may be more difficult to interpret, but cannot be denied by the employer. Consult an insurance agent about health insurance for preexisting conditions with advice from a licensed life and health insurance representative in this free video on insurance.

Some companies pay for health insurance for part-time employees, but it is not required because it can be very expensive. Find out how providing health insurance to part-time employees can be a great benefit with insight from a licensed life and health insurance representative in this free video on insurance.

Health insurance coverage is required to be offered to former employees of a company for up to 18 months after the employee has been terminated. Learn how unemployed individuals will probably have to pay for COBRA health insurance coverage with information from a licensed life and health insurance representative in this free video on insurance.

Soft insurance markets refer to periods where there is more competition between insurance companies and underwriting standards and rates are lowered for the consumer. Discover how insurance companies thrive during hard insurance markets with information from a licensed life and health insurance representative in this free video on insurance.

Coinsurance and co-payments are very similar in that the insured is taking on a burden of the payment for the insurance company. Learn how coinsurance is often used as a broad term for all insurance types, while co-pay generally refers to medical insurance, with information from a licensed life and health insurance representative in this free video on insurance.