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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Client Relations Manager
Jennifer A. McCabe
Client Relations Specialist
jennifer.mccabe@prudential.com
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
January/February 2022
Insurance Front: Are You Covered?
Having adequate insurance coverage to protect yourself and your family from financial loss should be part of a comprehensive financial plan. Five types of insurance that everyone should consider are described below.
Automobile Insurance
Auto insurance covers the cost of vehicle repair, property damage and medical expenses if you’re involved in an accident. Most states require you to carry auto insurance if you own a car. Policies generally have three components. Liability covers injuries and property damage. Collision covers the cost of repairing or replacing a vehicle that has been damaged or destroyed in an accident. Comprehensive covers theft or damage to a vehicle from vandalism, fire, hail, floods and similar events.Homeowners/ Renters Insurance
A homeowners policy pays to repair or rebuild your home if it’s damaged or destroyed. Homeowners and renters policies also cover items inside the home that have been damaged or stolen.Health Insurance
The high cost of medical care makes having health insurance a necessity for your entire family. It can help pay for routine care, lab work, diagnostic tests and major medical expenses. Some plans cover prescription drugs.Long-term Disability Insurance
Long-term disability insurance replaces part of your income if you become disabled and are unable to work for an extended period of time.Life Insurance
Would your family be able to maintain its current standard of living if you were to die unexpectedly? Proceeds from a life insurance policy* can help replace income, pay funeral costs or fund a child’s college education.If you’re looking for protection that exceeds the limits of your auto or homeowners policy, purchasing an umbrella policy may bring you peace of mind. Your insurance agent can help you choose coverage that meets your needs.
*Applications for life insurance are subject to underwriting. No insurance coverage exists unless a policy is issued and the required premium to put it in force is paid. Accessing cash values may result in surrender fees and charges and may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Guarantees are based on the claims-paying ability of the issuer.
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Centuria Financial Group is not affiliated with Prudential Financial. Centuria Financial Group sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Centuria Financial Group is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Centuria Financial Group and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Sara E. Martin and Jennifer McCabe are employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
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