Auto Insurance
Have the drivers on your policy changed? Maybe a child has moved away and is not driving your vehicle. They could be removed from your?Maryland auto insurance?policy and save you money.
Consider adding an Umbrella policy to protect your assets.
If you have an older vehicle that is not worth much (a low current book value), consider dropping collision coverage.
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Home Insurance
Keep your homeowner policy liability limits up-to-date, including the replacement cost of your home and contents, and your homeowner’s liability coverage in the event you are sued.
Flood insurance may be required where you live, or if it is not required but you want it for additional protection, in all cases make sure you get coverage for your home and your contents.
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Health Insurance
You keep your health insurance until you are eligible for Medicare. You will then need to consider purchasing Medicare Part D Prescription coverage as well as a Medicare Supplement (Medigap) plan to supplement Original Medicare and help pay for covered services that Medicare does not fully pay for.
Dental insurance may be needed as well.
Be careful of discount cards for any health provider service. Be sure you know what is covered and if they are accepted by your health providers and pharmacy.
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Life Insurance
Re-assess your life insurance needs and what coverage you have. Do you have enough for your circumstances? Will in-force term life policies terminate earlier than you want them to?
Keep your beneficiaries current.
Carefully consider Long-Term Care insurance.
Learn more about Life Insurance in Maryland