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Careful Consideration is Required
[By Dr. David Edward Marcinko MBA MBBS] http://www.CertifiedMedicalPlanner.org
The following insurance policies should be carefully considered before purchase, since they may be unnecessary, too expensive, provide only minimal benefits, or be duplicated in your other policies.
The Culprits
Disclosure: I was a licensed insurance agent for more than a decade.
So, the culprits include: credit life or home mortgage insurance (decreasing term), life insurance for children, accident policies for students, hospital indemnity policies, dread disease insurance, credit card insurance, pet health insurance, life insurance for the elderly, funeral insurance, flight insurance, pre-paid legal insurance and most extended warranties on automobiles, televisions, stereos, home computers; other gadgets and the like.
New wave Health 2.0 culprits include: terrorist insurance, cyber security insurance and reputation management policies.
Assessment
On the other hand, the following types of coverage may be important, for some medical professionals, and in selected cases: trip cancellation insurance, termite insurance and flood and earthquake insurance.
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Conclusion
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OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
- Dictionary of Health Economics and Finance
- Dictionary of Health Information Technology and Security
- Dictionary of Health Insurance and Managed Care
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Filed under: Insurance Matters, Risk Management | Tagged: David Edward Marcinko, Dubious Insurance Policies | 2 Comments »
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