Auto Insurance
This coverage protects your vehicle from theft, vandalism, or natural disasters, but not from crashes.
What is comprehensive coverage?
This part of your policy pays temporary living expenses if your home is uninhabitable due to a covered loss.
What is loss of use coverage?
What is additional living expenses coverage?
What is umbrella insurance?
This person or entity receives the tax-free death benefit payout upon the insured’s passing.
What is a beneficiary?
Walt Disney borrowed against his whole life policy’s cash value in the 1950’s to help launch this iconic California them park.
What is Disneyland?
This coverage pays for injuries and property damages that you cause to others in an at-fault-accident.
What is liability insurance?
This core part of a policy covers the structure of your house against fire, wind, or hail damage.
What is dwelling coverage?
What is part A?
What is Hazard Insurance?
What is the CFP, or California Fair Plan.
This exclusion in commercial liability umbrella’s means it wont cover intentional acts or professional errors, requiring separate E&O insurance.
What is professional liability or errors and omissions?
This life insurance rider waives premiums if you become disabled and can’t work.
What is disability waiver of premium?
What is Stanford University?
This optional coverage pays per individual injured in an accident even if it was your fault.
What is Medical Payments Coverage?
It also covers if you or a household member are injured on a bike, scooter or skateboard.
If a guest slips and falls on your icey driveway, this coverage handles their medical bills and potential lawsuits.
What is liability coverage?
Unlike standard policies, umbrella insurance often covers these global incidents even if they occur outside your primary coverage area.
What are worldwide liabilities or incidents?
State Farm has paid this form or profit sharing to our permanent life insurance customers every year since 1922.
What is a dividend?
Ray Kroc collateralized his life insurance policy for a bank loan to buy out the brothers and expand his fast-food empire.
What is McDonald’s
This add-on covers you if you’re hit by a driver without insurance or with insufficient coverage.
What is un-insured/un-derinsured motorist coverage?
Most standard policies exclude this water peril, requiring a separate federally backed policy in high risk areas.
What is flood insurance?
What is NFIP insurance?
What is flood risk insurance?
Daily Double!
This optional add-on to personal umbrellas covers directors and officers liability if you serve on a non-profit board.
Daily Double!
What is uninsured/underinsured directors and officers coverage?
This add-on rider allows you to use a portion of your life insurance death benefit to pay for qualified long term care services, such as in-home care or adult day care.
What is long term care rider?
Doris Christopher tapped into her whole life policy’s cash value in 1980 to start this kitchenware company, later sold to Warren Buffett.
What is The Pampered Chef?
This coverage pays a daily benefit and additional travel expenses like meals, hotel rooms, and a taxi or an uber when your car is being repaired by a covered loss.
What is rental car coverage?
This optional endorsement covers valuables like jewelry, art, golf clubs, bicycles and guns.
What is a floater?
What is a scheduled personal property coverage?
What is a personal articles endorsement/policy?
In a major lawsuit, personal umbrella can pay these, including attorney fees and court costs?
What are legal defense costs?
This permanent policy builds cash value over time that you can borrow against, lasting your entire life if premiums are paid.
What is whole life insurance?
Max and Verda Foster borrowed from their life insurance in the 1930’s to buy feed and launch this major California poultry brand.
What is Foster Farms?