New Vision Insurance Agency Inc

The 2019 Open Enrollment Period for health insurance runs from Thursday, November 1, 2018, to Saturday, December 15, 2018. If you don't act by December 15, you can't get 2019 coverage unless you qualify for a Special Enrollment Period. Plans sold during Open Enrollment start January 1, 2019.

In today’s world, identity theft is one of the fastest-growing crimes, and it is estimated that 15 million U.S. residents have their identities compromised each year. Although there are many steps you can take on your own to help protect yourself from it, having an identity theft protection service on your side can make quite a difference in your chances

Life Insurance
There are many different types of life insurance policies that insurance you for either temporary periods or for your whole life.

Life insurance policies, unlike other types of coverage, don’t protect the policy holder. Typically, they’re meant to protect the policy holder’s family.
“Term” life insurance pays for the period which the policy is held. It won’t pay after that.
“Whole” life insurance typically involves an investment fund and covers you during your whole life or to an old age. The money built in the investment fund is called “cash value“.
“Whole” life or permanent life policies all build cash value differently. For example in variable life insurance and variable universal life insurance you can control your own investments.
If you miss a life insurance payment, you may have your coverage lapse. This is especially important to keep in mind in regard to life insurance as the effects can be pretty drastic. A lapsed policy can mean losing death benefits and cash value.
Aside from the many different life coverage types, there are a number of different life insurance riders to be aware of.
A change in health status won’t cause your policy to drop you; once you obtain a policy you are locked in at that rate.
Some insurers offer convertible policies (term policies that can be renewed). These convertible policies allow a return client to take out another policy at the rate of a healthy person, but you pay a higher premium for the privilege.

At its most basic level, small business insurance should help protect your company's property, income and safeguard you against liability claims. There is not just one single type of small business insurance policy, but our business owner’s policy combines three essential coverages – business property, general liability and business income insurance – under one powerful policy.

• Business property insurance – Helps protect the physical location that your business owns or leases as well as property such as tools, equipment and inventory.
• General liability insurance – Helps protect your business from the financial costs of property damage, bodily injury, personal and advertising injury claims made against your business.
• Business income insurance – Helps replace lost income when you are unable to conduct business due to a covered loss like a theft or fire.

Why you should have home insurance?

Unlike driving a car, you can legally own a home without homeowners insurance. However, it is important to protect your home in case of damage cause by unforeseen circumstances, such as fires or natural disasters.

A basic auto insurance policy is comprised of six different kinds of coverage, each of which is priced separately (see below).
Bodily Injury Liability. ...
Medical Payments or Personal Injury Protection (PIP) ...
Property Damage Liability. ...
Collision. ...
Comprehensive. ...
Uninsured and Underinsured Motorist Coverage.