Do You Need Personal Accident Insurance?

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Many people assume that they do not need personal accident insurance because nothing is going to happen and if it does then they will deal with it. However, unfortunately when something does happen they may not be the only ones dealing with it. Their spouse, family, children, co-workers, and friends may also be left to deal with it and this can be a huge burden on everyone involved. It is simply not possible to predict what will happen in life and every day someone dies of an accident. What happens to that person’s family? They are left dealing with the emotions of losing someone suddenly, as well as planning a funeral and trying to manage everything else. It becomes too difficult to handle for the people who are left behind.

Personal accident insurance can cover an individual if they become blind, deaf, hemiplegic, paraplegic, or quadriplegic. It also helps if someone loses the use of their extremities. You don’t have to be married to qualify for personal accident insurance coverage. You can be single and making plans for your future. You are still protecting those who love you. If you are married, you can cover yourself, your spouse, and your children as well. You need to be between the ages of 18 and 69 to be eligible for insurance coverage and you must also live in Australia.

Guardian Insurance has been in business for many years providing insurance coverage and peace of mind for those who need it most. Insurance is something that you don’t normally buy until you are ready and Guardian understands that and offers the ultimate coverage plans to ensure peace of mind for you and coverage benefits for those who mean a lot to you.

Even if you didn’t get out of your home and never got into a vehicle to go anywhere, there is still a chance of an accident occurring in the home. In fact, many accidents occur inside the home and not outside. That is because people let their guard down when they are in the home and that is when they are more vulnerable for accidents. Everyone needs to have personal accident insurance to protect them from these˜what if’s’ in life.

Guardian Insurance can provide protection that will cover you no matter what. Now that you know you need to have personal accident insurance coverage how much insurance is going to be enough? Guardian Insurance agents can help you come up with an amount that you can feel comfortable with but determine what your yearly salary is per year and multiply that by five. This will give you an estimate of how much insurance you may need. You can go as high as seven but five is ideal and usually more within range. It may seem like you are covering a lot but the fact is, if something was to happen to you and you are the primary income provider then your family will need to be protected and able to recover before they can create another means of income.

As you see, protection is something that everyone needs. Protect you and your family today with personal accident insurance.

This article was originally written by Jon Elder at www.freemoneywisdom.com

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