Insurance Benefits By Design

Insurance, Annuities & Retirement Insurance Plans, Auto Insurance

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(970) 263-9000Call Visit WebsiteVisit Website Map & DirectionsDirections743 Horizon Ct Ste 334Grand Junction, CO 81506 Write a ReviewWrite Review

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Insurance Benefits By Design LLC

Insurance Benefits by Desing LLC

Insurance Benefits by Desing

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http://www.gjibbd.com

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Insurance, Annuities & Retirement Insurance Plans, Auto Insurance, Health Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Long Term Care Insurance, Renters Insurance, Travel Insurance, Workers Compensation & Disability Insurance

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Phone: (970) 263-9000

Address: 743 Horizon Ct Ste 334, Grand Junction, CO 81506

Website: http://www.gjibbd.com

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Insurance Benefits By Design

Auto Insurance
Comprehensive Insurance - Auto insurance coverage providing protection in the event of physical damage (other than collision) or theft of the insured car. For example, fire damage or a cracked windshield would be covered under the comprehensive section.

Renters Insurance
Floater - A separate policy available to cover the value of goods beyond the coverage of a standard renters insurance policy including movable property such as jewelry or sports equipment.
Home Insurance
Hurricane Deductible - Amount you must pay out-of-pocket before hurricane insurance will kick in. Many insurers in hurricane-prone states are selling homeowners insurance policies with percentage deductibles for storm damage, instead of the traditional dollar deductibles used for claims such as fire and theft. Percentage deductibles vary from one percent of a home's insured value to 15 percent, depending on many factors that differ by state and insurer.

Health and Life

Life Insurance
Accidental Death Benefit - In a life insurance policy, benefit in addition to the death benefit paid to the beneficiary, should death occur due to an accident. There can be certain exclusions as well as time and age limits.
Health Insurance
"Cindy and her team are incredibly personable, they spend time researching all the new regulations and always have the best health insurance plans for me. Their knowledge is invaluable in helping us make an informed decision. Her customer service is second to none when it comes to answering questions on claims. It is a relief to know that Cindy’s attention to detail, thoroughness and great attitude make them wonderful to work with. I always recommend them to colleagues, friends and family!"
Disability Insurance
Residual Benefit - In disability insurance, a benefit paid when you suffer a loss of income due to a covered disability or if loss of income persists. This benefit is based on a formula specified in your policy and it is generally a percentage of the full benefit. It may be paid up to the maximum benefit period.
Long Term Care
Living Benefits - This feature allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care, or confinement to a nursing home. Also known as "accelerated death benefits."

Workers Compensation Insurance
Employers Liability Insurance - Coverage against common law liability of an employer for accidents to employees, as distinguished from liability imposed by a workers' compensation law.
Professional Liability Insurance
Risk Retention Groups - Liability insurance companies owned by their policyholders. Membership is limited to people in the same business or activity, which exposes them to similar liability risks. The purpose is to assume and spread liability exposure to group members and to provide an alternative risk financing mechanism for liability. These entities are formed under the Liability Risk Retention Act of 1986. Under law, risk retention groups are precluded from writing certain coverages, most notably property lines and workers' compensation. They predominately write medical malpractice, general liability, professional liability, products liability and excess liability coverages. They can be formed as a mutual or stock company, or a reciprocal.

Annuities
Participation Rate - In equity-indexed annuities, a participation rate determines how much of the gain in the index will be credited to the annuity. For example, the insurance company may set the participation rate at 80%, which means the annuity would only be credited with 80% of the gain experienced by the index.
Liability Insurance
General Liability Insurance -Insurance designed to protect business owners and operators from a wide variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured's premises or operations, products sold by the insured, operations completed by the insured, and contractual liability.
Travel Insurance
Creditable Coverage - Term means that benefits provided by other drug plans are at least as good as those provided by the new Medicare Part D program. This may be important to people eligible for Medicare Part D but who do not sign up at their first opportunity because if the other plans provide creditable coverage, plan members can later convert to Medicare Part D without paying higher premiums than those in effect during their open enrollment period.

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