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Health and Life Insurance


            In chapter fifteen we learned about many different types of insurance and the coverages that each of them offers. Some of them include health insurance and life insurance. All of these insurance types are important because replacing or paying for what they cover out of pocket would just be too much money to have to pay. .
             Health insurance is very important because it will prevent you from paying the bills that come along with being injured or falling seriously ill. Doctor visits, hospitalizations, prescriptions, maternity and infant care would all be covered in a health insurance policy. so instead of you or your parents having to pay for the medical bill if you break your leg your insurance company will take care of it so it is literally a life saver. There are many factors that can affect the cost of your health insurance. Your age, current health condition and your deductible can either lower or raise your insurance premium. The reason that your premium can go up is because most insurance agencies price their services based on how likely something is to happen. For example an eighteen year old is more likely to get injured compared to a fifty year old so thats why the prices for the eighteen year old will nine times out of ten be more than the fifty year old man or women. .
             The next type of insurance we learned about was Life Insurance. Basically how life insurance works is If you pass away during the term or amount of time you are covered for, your family would receive the amount you specified when you started the policy, so you can put in a much or as less as you want. You can use this money to help pay for funerals and other expenses that come along with dieing because like hospital bills funerals are very expensive and most people would not be able to pay for one out of pocket. It would be a shame if you had somebody close to you pass away and you couldnt give them a funeral because you didn't decide to just get life insurance.


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