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Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

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Business Insurance can fund untimely events that can cause critical financial disruptions to a business

Business Insurance is a broad description which consists of nine insurance categories


Property Insurance
The property is insured in two ways:

Open Perils and Named Perils-

Open perils will cover all losses not excluded in the policy. Common exclusions on open peril policies include earthquakes, floods, nuclear incidents, acts of terrorism and war.

Named perils are required to be listed in the policy. Named perils may include fire, lightning, explosion and theft. Property coverage can cover owned, leased or rented property as well as property of others in your control.



Liability or Casualty
A casualty is a liability or loss resulting from an accident. Casualty coverage is concerned with losses caused by injuries to persons or their property. A legal liability may occur and therefore most entities acquire this type of coverage.


Commercial Auto
A commercial auto policy is purchased to protect an entity in case of accident, theft, injury damages involving business vehicles, and staff while driving business vehicles owned and insured or rented by the company. Commercial auto covers, high liability limits for a business. Commercial auto is needed if the entity transports goods or people, operates heavy vehicles or transports high cost merchandise.



Workers Compensation
Workers compensation is a system where the employee is not allowed, by law, to sue an employer for an on the job injury. Workers compensation is a form of coverage providing wage replacement and medical benefits to employees injured in the course of employment in exchange for the right to sue. Coverage for pain and suffering, along with punitive damages for employer negligence, are usually not found in workers compensation plans.


Business Interruption
Business interruption covers the loss of income that a entity loses due to a disaster. It is designed to put a business in the same financial position it would have been in if no loss had occurred. This type of coverage only available as an add on to the entity property policy and it only pays if the cause of the loss is covered by the property policy. Usually covered under this policy are: profits that would have been earned - financial statements needed, expenses and other costs still being incurred by the property, moving to as well as operating costs of a temporary location.

Health Insurance
Known as group health insurance this coverage will reduce adverse selection by creating a pool of people. Premium costs for group health insurance participants are the same amount for all the insured's.

Life and Disability Insurance
This coverage is basically a will for the business. It provide vital protection for the entity, insuring against the death or disability of owners and/or key employees. It can buy the shares from other owners or fund the cost of hiring a new key employee.



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We have a highly trained and licensed professional staff.  We specialize in all aspects of this discipline. Included are, Term, Universal, and Permanent Policies, as well as Final Expense. We guide our clients on issues involving Personal Family Protection, Estate Planning and Estate Conservation, Business Planning to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets for Term Life Insurance Quotes from Top Rated Companies. We help you decide what type of policy is best for your goals and objectives. Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience. We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.

The content contained on this insurance website is for informational purposes only. It is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We work for you and simply provide factual insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates are based on many factors one of which is the applicants health.

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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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