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INFORMATION

Here to Help

Insurance: Information

FAMILY, LIFE, HEALTH, TRAVEL, SUPER VISA, DISABILITY, SPECIALTY & BUSINESS INSURANCE

At Jas Johal Insurance Services, I understand the importance of balancing comprehensive coverage with affordability.

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  • Term Life Insurance

  • Whole Life Insurance

  • Universal Life Insurance

  • Final Expense Insurance

  • Individual Health Insurance

  • Group Health Insurance

  • Short-Term Health Insurance

  • Critical Illness Insurance

  • Business Owners Policy (BOP)

  • Workers’ Compensation Insurance

  • Commercial Auto Insurance

  • Cyber Liability Insurance

  • Single Trip Travel Insurance

  • Multi-Trip Travel Insurance

  • Travel Medical Insurance

  • Trip Cancellation Insurance

  • Medical Insurance for Super Visa Applicants

  • ​Short-Term Disability Insurance

  • Long-Term Disability Insurance

GETTING THE MOST OUT OF YOUR INSURANCE PLAN

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  • Understand Your Coverage: Familiarize yourself with the details of your policy, including what is covered and any exclusions or limitations.

  • Review Your Policy Annually: Life changes, and so do your insurance needs. Regularly reviewing your policy helps ensure it still meets your requirements.

  • File Claims Promptly: If you need to file a claim, do so promptly to avoid any delays in receiving benefits.

  • Stay Informed: Keep up-to-date with any changes in insurance laws or new products that could benefit you.

5 TIPS TO SECURE THE BEST LIFE INSURANCE POLICY

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  • Assess Your Needs: Determine the amount of coverage you need by considering your financial obligations, such as mortgage, education expenses, and income replacement for your family.

  • Compare Policies: Research and compare different life insurance policies to find one that offers the best value and meets your specific needs.

  • Consider Policy Types: Understand the differences between term life and whole life insurance. Term life is typically more affordable, while whole life offers lifelong coverage and a cash value component.

  • Review Your Health: A healthy lifestyle can lead to lower premiums. Take steps to improve your health, such as quitting smoking, maintaining a healthy weight, and getting regular check-ups.

  • Work with a Specialist: As a dedicated insurance specialist, I can provide personalized guidance and help you navigate the complexities of life insurance, ensuring you choose the best policy for your situation.

5 WAYS TO SAVE ON HEALTH INSURANCE

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  • Choose a High-Deductible Plan: Opting for a high-deductible health plan (HDHP) can lower your premiums. Pair it with a Health Savings Account (HSA) to save on taxes and cover medical expenses.

  • Utilize Preventive Care: Take advantage of preventive services covered by your insurance plan, such as annual check-ups and screenings, to avoid costly treatments down the line.

  • Take Advantage of Wellness Programs: Many insurance providers offer wellness programs that include discounts on gym memberships, smoking cessation programs, and other health initiatives.

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