Trending Articles

Insurance Write For Us, Contribute, Submit Post, Guest Post

Insurance Write For Us

Insurance Write For Us

Insurance is a contract represented by a policy in which the insured receives financial protection or compensation for losses from an insurance company. The company pools customers’ risks to make payments more affordable for those insured. Most people have insurance: for their car, their home, their health insurance or their life.

Insurance protects against financial loss caused by accidents, injuries or property damage. Insurance also helps cover costs associated with liability (legal liability) for damage or injury caused to third parties.

How does Insurance Work?

There are many types of insurance policies and virtually any individual or business can find an insurance company willing to insure them at a specific price. The most common types of private insurance are auto, health, home and life insurance. Most people in the United States have at least one of these types of insurance, and automobile insurance is required by law.

Companies take out insurance for specific risks in each area. For example, a fast food restaurant’s policy may cover an employee’s injuries while cooking with a deep fryer. Medical malpractice insurance covers liability claims related to injuries or death resulting from the negligence or malpractice of a healthcare provider. State law may require companies to carry certain insurance coverages.

Components of the Insurance Policy

Knowing how insurance works will help you decide on a policy. For example, comprehensive insurance may or may not be the right type of car insurance for you. Three components of any type of insurance are the premium, the sum insured and the deductible.


A policy’s premium is its price, usually a monthly fee. An insurer often takes several factors into account when setting premiums. Here are some examples:

Car insurance premiums: Your vehicle and property damage history, age and location, credit score and many other factors that may vary by state.

Home Insurance Premiums: The value of your home, personal belongings, location, claims history and coverage amounts.

Health insurance premiums: Age, gender, place of residence, health status and scope of coverage.

Life insurance premiums: Age, gender, tobacco consumption, health status and sum insured.

A lot depends on how the insurer assesses your risk of damage. For example, let’s say you own several expensive cars and have a history of reckless driving. In this case, you’ll likely pay more for car insurance than someone with a single midsize sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies. In order to find the right price for you, a lot of preparatory work is required.

Policy limit

The policy limit is the maximum amount an insurer will pay for a loss covered by a policy. Maximums can be set per period (e.g. annually or policy term), per loss or injury, or over the life of the policy (also called lifetime maximum).

Higher limits usually come with higher premiums. With general life insurance, the maximum amount the insurer will pay is called the face value. This is the amount paid to your beneficiary at the time of your death.

The federal Affordable Care Act (ACA) prevents ACA-compliant plans from setting a lifetime limit on essential health benefits such as family planning, maternity services, and child care.


The deductible is a certain amount that you pay out of pocket before the insurer pays for a claim. Deductibles serve to deter large amounts of small, insignificant claims.

Depending on the insurer and type of policy, deductibles may apply depending on the policy or claim. Health insurance policies can have an individual deductible and a family deductible. Policies with high deductibles are usually cheaper because the high deductibles usually result in smaller amounts lead to accidents.

How To Submit Article On Technology Companians Site?

For submitting your article you can mail us at

Why to Write for Us Technology Companians – Insurance Write For Us

Why to Write for Us Technology Companians – Insurance Write For Us

Writing for Technologycompanians can give massive exposure to your website for customers looking for Insurance.
Technologycompanians presence is on Social media and will share your article for the Insurance related audience.
You can reach out to Insurance enthusiasts.

Search Terms Related Insurance Write For Us

Health insurance
Liability insurance
Property insurance
Disability insurance
Accidental death and dismemberment insurance
Life insurance
Traffic accidents
War injury
Natural causes
Non-prescribed drugs

Search Terms for Insurance Write For Us

Write for us Insurance
Guest Post Insurance
Contribute Insurance
Insurance Submit post
Submit an article
Become a guest blogger Insurance
Insurance writers wanted
suggest a post Insurance
Insurance guest author

Article Guidelines on Technologycompanians – Insurance Write for Us

We at Technologycompanians welcomes fresh and unique content related to Insurance.
Technologycompanians allow a minimum of 500+ words related to Insurance.
The editorial team of Technologycompanians does not encourage promotional content related to Insurance.
For publishing article at Technologycompanians email us at
Technologycompanians allows articles related to gadgets, software, apps, tech and many more.

Related Pages:

Gaming Headphones Write For Us
PMP Write For Us
CSPO Write For Us
CNC Machining Write For Us
5g Technology Write For Us