Insurance – Easy Click Express

Term Life Insurance: Provides coverage for a specified term (e.g., 10, 20, 30 years) with a death benefit but no savings component.
Whole Life Insurance: Covers the insured for their entire life and includes a cash value component.
Universal Life Insurance: Flexible policy with savings options; premiums and benefits can be adjusted.
Variable Life Insurance: Includes an investment component; cash value depends on investment performance.

Individual Health Insurance: Covers medical expenses for individuals or families.
Group Health Insurance: Offered by employers to employees as part of a benefits package.
Medicare/Medicaid: Government-sponsored programs for seniors, disabled individuals, and low-income families (USA-specific).
Critical Illness Insurance: Provides a lump sum if diagnosed with specific severe illnesses (e.g., cancer, heart attack).

Liability Coverage: Covers damages or injuries you cause to others.
Collision Coverage: Pays for damages to your vehicle from accidents.
Comprehensive Coverage: Covers non-collision-related damages (e.g., theft, natural disasters).
Uninsured/Underinsured Motorist Coverage: Protects against drivers without sufficient insurance.

Homeowners Insurance: Covers the structure of your home and belongings, along with liability protection.
Renters Insurance: Protects tenants’ personal belongings and provides liability coverage.
Condo Insurance: Specifically for condominium owners, covering personal property and interior walls.
Flood Insurance: Covers water damage from flooding (not included in standard homeowners insurance).
Earthquake Insurance: Coverage for damages caused by earthquakes.

General Liability Insurance: Protects businesses from lawsuits involving injuries or damages.
Professional Liability Insurance (Errors & Omissions): Covers professionals against negligence claims.
Commercial Property Insurance: Protects business premises and equipment.
Workers’ Compensation Insurance: Provides benefits to employees injured on the job.
Business Interruption Insurance: Covers lost income due to disruptions (e.g., natural disasters).

Pet Insurance: Covers veterinary expenses for pets.
Event Insurance: Protects against losses from canceled or disrupted events (e.g., weddings).
Cyber Insurance: Covers damages from cyberattacks and data breaches.
Boat Insurance: Covers watercraft and associated liabilities.
Drone Insurance: Protects against damages or liabilities from operating drones.

Short-Term Disability Insurance: Replaces income for a short period after illness or injury.
Long-Term Disability Insurance: Provides income replacement for extended disabilities.

Personal Liability Insurance: Protects individuals against claims of property damage or injury.
Umbrella Insurance: Provides additional coverage beyond standard policies (e.g., auto or homeowners).

Credit Life Insurance: Pays off debts if the borrower dies.
Mortgage Insurance: Covers payments in case of disability, job loss, or death.
Payment Protection Insurance (PPI): Helps cover loan payments during financial hardship.