Insurance detail

Marnea Insurance

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Marnea Insurance

Individual

Health:
- Low rates – USDA loan rates are comparable to conventional loan rates and may at times be lower Medicare Advantage (Medicare Part C) is an alternative way to receive your Medicare benefits. When you enroll in a Medicare Advantage plan, a private, Medicare-approved insurer provides your coverage. Most Medicare Advantage plans offer more benefits than Medicare Part A and Part B provide. Medicare prescription drug coverage and routine dental care are just two examples of possible extra benefits.
- Medical, Vision, Dental
Life:
- A life insurance policy falls into two categories permanent life insurance and term life insurance. Term life insurance is like a car insurance policy, you pay monthly and get coverage for a certain period of time. Permanent life insurance has an investment component that allows you to accumulate cash.
- Is Life Insurance a good investment?
  - A life insurance policy is an alternative investment strategy, many who get a permanent life insurance policy will use the savings component to leave a tax-sheltered legacy for their heirs.
- What type of life insurance is the best?
  - We offer many different types of policies built for you, so we can make sure the life insurance policy fits what you are looking for. Life insurance policies can be complex, mostly when you add the savings component. Royalty Insurance is the most popular choice for insurance companies to save money on life insurance policies. Have a question, give us a call!
Property and Casualty:
- Casualty insurance covers such a broad set of losses and liability risks, it’s no wonder that it’s one of the primary drivers of total cost of risk. The pressure on organizations to improve their management of casualty-related risks has risen over the past year as rates for most coverage lines continue to increase and pandemic experiences have led to policy exclusions.
- Experienced casualty risk advisors can help you understand what types of casualty insurance might be best for your organization. We take into account the extent of your casualty-related risks and your historical programs
Homeowners:
- Our seasoned personal insurance experts work with leading insurance companies to help you build a custom, comprehensive insurance policy for your unique situation, so you can rest assured that your home, property and family are protected.
  - Home, Other structures on your property, personal property (clothing, furniture), additional living expenses, personal liability
Auto:
- Online insurance providers can’t match the quality and security of a custom program our team of experts carefully design for you. We work hard to attain coverage at a fair price, and we help make sure you feel comfortable and informed regarding your coverage.
  - Protection Highlights: Liability and property damage, vehicle damage and theft, medical payment, personal injury, towing and rental reimbursement, custom auto equipment, agreed value and/or replacement value

Business

Business Interruption Insurance:
- Also known as ‘Business Income and Extra expense’, business interruption insurance is commercial coverage that reimburses a business owner for lost profits. It also continues to cover fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. It also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises.
Business Owners Policy:
- A BOP is a policy that combines commercial property insurance, general liability and often business interruption coverages for small to medium-sized businesses.
- Claim, Coinsurance, Coverage
Commercial General Liability Insurance:
- (CGL): General liability—often referred to as ‘slip & fall insurance’—is a broad commercial policy that covers liability exposures of a business that is not specifically excluded. It covers third-party bodily injury, third-party property damage, libel, slander, & copyright infringement, as well as lawsuit expenses and advertising injury.
- Commercial Lines, Commercial Multiple Peril policy, Credit Insurance, Defined Contribution Plan, Direct Writers
Key Person Insurance:
- Insurance on the life or health of a key individual whose services are essential to the continuing success of a business and whose death or disability could cause the firm a substantial financial loss.
- Liability Insurance
Umbrella Insurance:
Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.
- War Risk, Weather Derivative, Weather Insurance