Posts Tagged ‘security’
Tuesday, December 20th, 2011
Protecting your loved ones: Homeprotector Life and Disability Insurance. All of us want to know that our family is well protected if anything were to happen to us. If you had an accident or sickness that made it impossible to work for a long period of time, how hard would it be on your family? And what would happen if you were not longer there to support them? Some interesting facts: Only 55% of working Canadians are offered disability coverage by their employer (even if your covered, a majority of group disability plans cover less than 70% of gross income. Could you pay for your financial obligations with 30% less income?) Half of all mortgage foreclosures are related to disability. If you save 5% of your salary for 10 years, it takes just six months of complete disability to wipe it out. Between the ages of 25-65, there is a 50% chance you will be disabled for more than 90 days at least once.
Some interesting facts: Only 55% of working Canadians are offered disability coverage by their employer (even if you’re covered, a majority of group disability plans cover less than 70% of gross income. Would you be able to pay for your financial obligations with 30% less income?) – Did you know that half of all mortgage foreclosures are related to disability. If you were to save 5% of your salary for 10 years, it only takes six months of complete disability to wipe it out. People between the ages of 25-65, there is a 50% chance you will be disabled for more than 90 days at least once.
Many Canadians believe that the life and disability insurance through a personal or group plans will take care of their financial needs should the unexpected occur. However, this may not be the case. If your mortgage was not a financial obligation when you obtained your insurance through your personal/group plans then it may not be covered. HomeProtector insurance is cost effective and convenient which will help your existing personal or group coverage and is a critical component of your overall financial plan.
How does HomeProtector insurance work? The Canada Life Assurance Company provides HomeProtector life insurance to pay off or reduce your RBC Royal Bank mortgage in the case of death, while the disability insurance can take care of your mortgage payments in the event of a disability. Since the HomeProtector insurance benefits go toward your mortgage, other coverage that you may have through work or personal can go to taking care of your loved ones. These benefits are non-taxable and do not have to be co-ordinated with any other insurance plan. Your Premium rates will not increase due to your age during the life of your existing mortgage as long as your balance does not increase. For added convenience, the premium is added to your regular mortgage payment.
What are the benefits? – Life Insurance can either pay off or reduce up to $500,000 of your outstanding insured RBC mortgage in the event of death. Disability insurance can maintain your regular mortgage payments in the event of disability for up to 24 months (up to $3,000 a month) – HomeProtector insurance preserves your personal or group insurance for other needs while also safeguarding your assets and net worth.
Who is eligible for HomeProtector Insurance? It is available to the individual borrower, co-borrower or guarantor of an eligible RBC Royal Bank Mortgage to a maximum of two people. HomeProtector insurance eligibility: Must be at least 18 years old and less than 66 years old at date of application Must be a Canadian resident (living in Canada at least six months of the year) To Apply for HomeProtector disability insurance you must also: Have Homeprotector life insurance coverage; and Be actively working on the date of application, in full-time employment, self employment or seasonal employment
What if I’m adding on to or refinancing my existing mortgage? The importance of life and disability mortgage heightens when adding onto your mortgage. You will need to reapply for insurance, once you add to your mortgage. However, you will not be required to answer the application health questions if you are applying for the same or less coverage, are less than 70 years of age, are adding on to or refinancing your mortgage by $100 000 or less, and if the total of all your insured RBC Royal Bank mortgages plus any HomeProtector mortgage you’re applying for is $500,000 or less.
How does the life insurance benefit work? You must meet all the terms and conditions of your Certificate of Insurance and then Canada Life will pay RBC the balance of your insured mortgage at your date of death to a maximum of $500,000. For HomeProtector Insurance, the insured balance includes: The unpaid principal balance(s) The mortgage interest and insurance premiums in arrears from the mortgage payment due date immediately prior to death to a maximum of five years. Any pre-payment charges; and any overdrawn balance in your property tax account
How does the disability benefit work? If meet the terms and conditions of your Certificate of Insurance, Canada Life will pay up to an overall maximum of $3,000 a month for all your insured mortgages combined. HomeProtector disability insurance benefit: Canada Life will pay your regular insured mortgage payment of principal, interest and insurance premiums to RBC for a maximum of 24 months. However this does not include your property taxes. This benefit will start after the first 60 complete and consecutive days of your disability, which is your waiting period.
What is a disability? A disability is a sickness, injury, mental illness or nervous disorder that completely prevents you from performing the regular duties of: The occupation(s) in which you were engaged immediately before the date you became disabled; or Your principal occupation if you’re a seasonal employee and your become disabled between seasons; or Your occupation prior to retirement
10 day free look. You can cancel your coverage within 10 days of the later of the following dates: The date your coverage begins; or 5 days after the date when we mail your HomeProtector booklet, if you applied for coverage over the internet, telephone, or through a direct mail offer; and in either of the above cases, a full refund of your premiums will be issued, if any have been collected.
Your new home doesn’t come with mortgage advice. I do, Contact Jeremy Today. When investing in Commercial Properties, contact the Toronto Commercial Building Inspector to protect your investment.
Tags: Disability, family, home, insurance, jobs, mortgage, mortgage protection, protection, royal bank, security
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Monday, November 7th, 2011
What any life insurance policy covers is subject to the terms of the individual policy. While term life insurance covers the same causes of death as whole life policies, stipulations can change the coverage and value of the contract.
Accidental Death Coverage
The people who depend on the insured’s income for the lifestyle they have will be just as much in need of benefits whether the death was caused by an accident or not. Some life insurance coverage is specified for accidental death, which is good should the insured die in an automobile or work related accident. The weakness lies in the fact that death by natural causes is omitted.
Strange Situations and Term Life Coverage
The stipulations of when and if the benefits are paid are non-standard from one policy to another and should be the reason why an insurance policy should be studied carefully.
No policy is going to pay benefits if the insured commits suicide, but very few pay off when death is the result of acts of war or civil unrest. Most policies stipulate that murder by the beneficiary is not grounds for payment, which is understandable.
Most insurance policies, for all types of life coverage, will not pay out any benefits until cause of death is determined. When a person dies under suspicious circumstances, it throws up a flag that fraud might be involved. An insurance company will seek to protect its own interests.
Special Exclusions
The condition of a person’s health at the time of signing a term life insurance policy may lead to certain exclusions that will not be considered as causes for paid benefits. It is often worthwhile to have a policy even though the coverage might be limited for someone with an incurable disease, to any cause except the disease. The illness might be treatable and not the only concern for the insured.
Other reasons for exclusions are occupational hazards. For example, a racecar driver might be able to obtain coverage for any situation as long as it does not include death by an accident on the racetrack or have anything to do with racing in general.
Other reasons for benefits to be withheld include dishonest statements by the insured. The questionnaire that an applicant signs must have correct answers or the insurance company can declare coverage null and void should a beneficiary seek compensation and the false information is discovered.
Policyholders should understand the terms and conditions for the policy up front, and coverage for term life insurance is clearly spelled out along with any exclusions.
My Insurance Expert will help you find term life insurance that fits all of your individual needs. The world of life insurance doesn’t have to be difficult. With the right advisor you can give your family the protection they need and have peace of mind.
Tags: family, health, insurance, insurance quotes, insurance rates, life insurance, life insurance quotes, life insurance rates, medical, security, term life insurance, term life insurance quotes
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Friday, November 4th, 2011
Endowment life insurance is one of the various types of insurance coverage that is available in order that your family is well looked after even after you might have passed away. It’s a smart investment that a lot younger people ignore but is very necessary by the older people. Insurance providers have got various sorts to accommodate the needs of each applicant. The choice you’ll make is based on what you want to cover, how you would want it to pay out and just how much you can pay for.
If you’d like on an insurance plan that will allow you to leave one thing to your family members when you are vanished already, then an endowment life insurance may be for you. It is like a full life insurance in the sense, they will both consistent life insurance policies. This means that even though you completely paying over the agreement, you actually keep on being covered by insurance. The main difference will be, you’ve got the choice to pay money for the insurance plan on one time payment prior to the life insurance policy has finished. It can cost you far more, nevertheless the early payment will allow the money worth going up quicker. The maturity of the insurance coverage is also shorter and you can select from 10 or perhaps 20 years.
If you get an endowment life insurance, there are two ways to receive the pay-out. One is to let it stand until you pass away for your intended beneficiary to claim. The other option is you can claim the benefit for yourself if you outlive the maturity date of your insurance. People who choose to get this type of insurance are usually those with existing mortgage or loan payments that they want to secure in the event of their sudden death.
No one wants to be a trouble and then leave their families struggling to care for their selves – specifically if you are the breadwinner. Deciding to have an endowment life insurance will provide your family safeness to make the ways to pay off the unfinished repayments, offer you a required sends off and if there’s any was left, incorporate some funds to live on no less than until eventually one of them can support the remaining family.
This policy will give all of that and much more. It’s flexible enough to let you withdraw the money in case the need takes place. For example, pricey medical demands or even a wedding and reception to pay off these are typically quite possible since this insurance plan lets you have the payment as a life benefit.
Endowment life insurance policies have different types and so make sure to ask your agent for the greatest choice possible. They could assist you distinguish in which insurance policy will probably pay out the most without any overshooting your budget. You may make the decision to obtain a single premium whole life or a revised endowment agreement. The single premium is the type wherein you give a lump sum for the premium payment and no more soon after. What comes about after may be the rate acquires interest up until the maturity date of your insurance policy. The revised endowment contract alternatively needs to be paid entirely before the seen year period comes to an end. It is a lot more like an investment and is usually not tax free when the policy holder decides to pull out the cash value before he reaches the age of 59.
We hope you found the information on endowment life insurance useful and we have even more tips to show you on over 50 life insurance. We would like to help you out by giving you expert advice you are able to count on now.
Tags: Endowment life insurance, family, health, health insurance, insurance, investment, life insurance, medical, other, Personal Finance, personal insurance, security, self help
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Sunday, October 9th, 2011
It is going to be extremely difficult to find infertility insurance when it comes time for your family planning. The procedures are extremely expensive and insurance companies cannot keep up with the payments that come along with it. Some women have an extremely difficult time becoming pregnant and this is going to lead to more procedures and more expenses in the end. It could be in the thousands of dollars for you to get your infertility procedures done, but it could be more if you need a lot of them.
Because of the fact that infertility procedures are so expensive, they are very rarely being covered; you will have to try hard to obtain infertility insurance to be able to cover the costs. General insurance through you job will usually does cover them either because of all of the fees involved. When searching for outside insurance companies you are still going have a hard time because it is now being considered a special insurance.
It is very hard to find an insurance company able to pay for fertility procedures because of how much they cost; this may be a nice benefit for the family but you will have to search a lot. It is so expensive for everything and insurance companies are just dropping certain coverage. They would go out of business over time if they had to keep paying those outrageous prices. They can only pay out so much and with this kind of thing it is way less than the premiums so realistically they cannot do it.
When it comes to fertility treatments, you may want to look at some of the government subsidies that are offered. You need to check this out carefully, however, because there are a lot of rules that you have to follow before you can become approved. Even though this is a difficult time for your family, you need to keep thinking positively that it will work out in the end without you accumulating too much debt.
This is not going to be an easy journey, so make sure that you are prepared for what lies ahead of you on this journey. No matter what you are considering doing you really need to read all print and know what you are getting yourself into; this is not going to be easy. Before you cause severe financial difficulties for your family, you may want to see what other options you have for having a baby.
Maternity health insurance is another kind of insurance that is getting difficult; the costs are on the rise for deliveries and companies are looking for ways to cut the costs. Make sure that you do the homework for your particular state and know the laws regarding your pregnancy and choices for insurance coverage.
If you are showing interest for more information, you will be satisfied by visiting Infertility Insurance and also Maternity Health Insurance.
Tags: Disability, health, health insurance, infertility, insurance, maternity, medical, security, services
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Saturday, October 1st, 2011
You would think that with all of the babies born in the United States that there would be maternity health insurance all over that would cover the cost right? It turns out that women struggle when it comes time to having a baby, not only through the pregnancy but also when it comes to paying the expenses out of their own pockets. After a while that could pile up especially when the cost is about $7,000 on average to have a baby.
Even if you were to have maternity health insurance benefits with your employer you may still not have the coverage that you had expected when you go out on maternity leave. With this insurance you are only going to be covered for the disability part. Most of the time you cannot get the birthing costs paid for by them; you would have had to have additional insurance on top of that to cover those costs.
If you were to take into consideration the fact that you could have complications during the delivery, the costs would rise way above what was expected. Not to mention if the baby were premature; you may end up paying almost double that amount. This is because of the special machinery that has to be brought in for that premature infant for survival.
Your insurance that you currently have may not be sufficient to cover your entire pregnancy and deliver costs. You can get additional coverage but that even may not be enough to cover everything that will have to be done. For all of your options you are going to have, do an extensive search to find what is going to be the best bet for your growing family.
For pregnancy care for women, there are 18 states now that are mandated to cover the costs for before, after and natal care during the course of pregnancy. You would have to perform a search to find out if your state is one of these more progressive ones. Sometimes you cannot plan ahead for the pregnancy so you wouldn’t be able to get the insurance that you need in advance. Start saving now so that you can supplement your own insurance when the time comes; you never know today what they are going to cover.
You may be able to find a supplemental insurance that will cover items that your regular short term disability insurance will not cover; sometimes to get by you need more than one insurance. There are other government programs that can help if you are planning to start your family; birthing costs can be covered under such insurance. To save money these days, insurance companies are scaling back on the costs of just about everything; it is complicated, that’s for sure, but these are the facts.
There is much information just waiting to be verified on Maternity Health Insurance and also Short Term Disability Insurance.
Tags: Disability, health, health insurance, infertility, insurance, maternity, medical, security, services
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Tuesday, September 27th, 2011
You can usually collect on your short term disability insurance when you have to miss work for illness, surgery, pregnancy, extended doctor visits and hospitalization. We pay for these premiums after all every pay period; the reason we have insurance through our jobs is to pay for times like these, though. When the moment arises we need to make sure that we use it. You will be able to get those benefits for as long as a 24 month period.
When you collect your short term disability insurance you need to be aware that you will only be able to get 2/3 of your income. It is understood that will not cover all of your bills, but at least it is something to try to keep your family out of dangerous situations. Once an illness occurs and you go out on disability you are required a waiting period of 7 days before you can collect the insurance. But you can have your insurance start right away if you are hurt.
It is sad to know that Americans are living from paycheck to paycheck and when tragedy hits there is so little that they can do for their family. Plus the fact that they do not have any savings to fall back on when something this tragic happens. At no time in het near future does it look like things are going to get better; there is hardship going on all across the United States.
To make matters worse, sometimes there is nothing that you can do to collect from your insurance and this has a serious effect on families. Keeping a household properly funded is hard enough; what is going to happen when you have all of your payments due at the same time, where is the money going to come from? Chances are you could find yourself in a situation where you may lose everything that you have worked hard for.
There really is nothing that you can do about this tragic situation; we are all are going through this sort of thing every day. The benefits eventually have to come to an end and if you are not well enough to work you are going to find yourself without money; what do you do then? How are you going to keep up with the bills then? This is a harsh reality but you need to keep yourself prepared for times like these, because you never know if it will happen to your family.
If you think about pregnancy, you really need to plan ahead for your future so that you are financially secure. For a lot of the costs of pregnancy or infertility, insurance is going to be one of the most important things to save you. Before you start your family, make sure that it is well planned out and you are aware of all of your options.
You can discover more information at Short Term Disability Insurance and remember to also check Infertility Insurance.
Tags: Disability, health, health insurance, infertility, insurance, maternity, medical, security, services
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Friday, September 2nd, 2011
For folks who wish to provide for their loved ones even following the time after they have be gone, over 50 life insurance coverage may very well be the remedy. The age is absolutely a prerequisite to this sort of life insurance coverage. The term life insurance coverage essentially refers to people that are a minimum of 50 many years old.
You will find several forms of life insurance coverage policies obtainable. You might to begin with be asked to decide just how much cover you’ll prefer with your policy. You are able to opt for among capped and uncapped policies. The capped policy indicates you’ve got the choice to spend month-to-month premiums primarily based around the agreed quantity until finally you reach your target coverage. The uncapped will not possess a certain amount you need to invest. You will carry on paying into the policy provided that you are still alive resulting in a larger amountas you become older.
An over 50 life insurance coverage also provides you the alternative to let your loved ones to receive your insurance coverage as a money lump sum or as payment for the funeral costs. If you decide to go for a funeral benefit, make certain you have the specifics since insurance coverage businesses supply various packages. Pick out what you assume is most effective for the persons that you simply will likely be leaving behind.
In some countries, Over 50 life insurance coverage policies don’t necessitate the applicants to go by way of a medical examination. Provided that your age is in the bracket between 50 and 80, you’re eligible to obtain the life insurance coverage that you simply favor, As long as you have afford to pay it. In the United Kingdom as an example, insurers guarantee that those over the age of 50 will be accepted into a policy.
The beneficial factor about applying for insurance coverage will be the peace of thoughts that it brings for the policy holder. All of us want our loved ones to carry on living comfortably even without having our support. It’s quite tough to cope with the loss of a family member particularly in the event if loved ones were relying on them for economic help. Securing an over 50 life insurance coverage will ease much of this discomfort. At the bear minimum, it assures a fantastic funeral service. The advantage also consists of money to settle debts that may possibly have incurred were left unpaid by a sudden death.
With the result of a sudden death inside of 1 or 2 years of your policy, your beneficiaries will get 150% of your premiums which you have paid so far. Some insurance coverage agencies possess a restriction for this kind of pay out. In case you get through the very first year, your insurer will payout the entire quantity which you specified inside your policy. This once more, varies per agency so make sure you get every one of the claim facts and let your beneficiaries know about them.
Because you’ll find a great deal of insurance coverage firms providing over 50 life insurance coverage policies, pick out wisely exactly where you would like to place your investment in. You are able to study around the economic background of those insurers to ensure that you covered that when your loved ones requires the insurance payout after your death, they’re able to readily obtain it.
Over 50 life insurance policies can not be refunded once you quit having to pay or you all of a sudden determine to cancel it. For those who get an uncapped sort of policy, you may find yourself having to pay far more than the premium cover which you indicated. Also, although you paid tax-free premiums just about every month, your beneficiaries will nevertheless be charged with inheritance tax as mandated by the law.
This was important advice over 50 life insurance and we have even more information for you onover 50 life insurance. Visit our website and we will provide you with free legit advice you can trust.
Tags: family, family protection, finance, financial, Inheritance, insurance, investment, life insurance, over 50 life insurance, provisions, retirement, Savings, security
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Wednesday, July 13th, 2011
When searching for a good protection you should evaluate among many travel insurances and find which specifically of those accommodates best your requirements. Here are a small number of things you might want to take into consideration and examine in order to determine an intelligent decision when buying.
What does it covers?
Read even the small prints to understand accurately what is included, what not, how much will it cover, and under what instances. Know how much of your personal products it protects. Will it cover if you mistakenly shatter your camera system?
Medical Protection and Evacuation
It is particularly important to take a close look at the medical insurance coverage when checking backpackers travel insurance.
Does it deal with pre-existing conditions? Almost all travel insurance do not cover them. As an example, if you know you have bronchial asthma, and you endure an attack, you are not going to be compensated.
Exactly what are the highest hospital emergencies protection limits? Hospital expenses for emergencies are extraordinarily pricey in many nations. Understand the highest coverage limits and be familiar with who pays the money to the medical facility during the emergency.
Cancellation
Make certain that your contract has cancellation insurance. If it does, exactly what varieties of cancellations does it cover? Does it insure if you need to instantly cancel as a result of work? Or if a member of the family passes away or gets unhealthy? Or if you get sick? If it does insure, what does it insure?
Price
Price is clearly superior on the list of concerns on every single budget vacationer. When evaluating backpackers travel insurance, do not concentrate solely on the lowest selling price. Contrast the cost along with what is insured. You could possibly observe that a certain insurance may possibly be slightly more expensive than the opposite, but the policy could possibly be drastically better.
As a rule of thumb, the insurance plan cost ought not be additional than seven percent of the overall cost of your vacation.
Besides these formerly outlined points, there are a number of other circumstances you need to contemplate when evaluating travel insurance for backpackers. But, simply looking at these will aid you greatly in creating an informed selection.
To end with, when searching for Backpackers Travel Insurance you must only search for the travel insurance plan that matches your requirements and finances. Internet sites like Travel Insurance for Backpackers will help you to deliver an informed decision when you decide to purchase your Backpackers Travel Insurance.
Tags: health, health insurance, insurance, lifestyle, security, Travel, travel insurance, Travel Insurance for Backpackers
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Friday, July 8th, 2011
The most expensive aspect of owning a swimming pool is the construction of it. Maintenance is also costly. Therefore, those who have garden swimming pools usually attempt to get as many hours of use out it as they can. This equates to sitting in the garden at the poolside whenever possible and inviting friends and family around to share it all with them.
However, there is one more thing that you can do to increase the number of hours you can spend in your pool – you can lengthen the season that you are able to use it in. The temperature of the water is the only real constraint on swimming outdoors, it does not really matter whether it is snowing or raining as long as the water is warm enough.
Swimming in the rain, the mist and the snow is actually great fun, at least as much fun as swimming in the sunshine, as long as the water is warm enough and there is no lightening. The answer is to install a water heater into your swimming pool system.
A swimming pool water heater can have a drastic effect on the amount of time you can spend in your pool. If you set the thermostat at 78-80 F (about 25 C), you can double the amount of time you can spend in the water. If you live in a warm part of the country, you may just require to heat the water by a couple of degrees to be able swim in luxury.
A large body of heated water will lose most of its heat through its surface area, so it is a good idea to cover your pool with a good quality insulation blanket-cum-pool cover. The insulated pool blankets will lessen your heating bills quite considerably and it will increase the level of pool safety considerably as well.
The most common systems for heating swimming pool water are liquid petroleum gas (LPG) or oil fired. These systems are simple to set up and comparatively cheap to run. Electricity is also used, but it is not economical. If you live in the correct area meaning that you just require to raise the water temperature a couple of degrees, you could use solar power.
The difficulty with solar power is the profit margin the retailers want to make. If you make your own panels, purchase in kit form or purchase secondhand panels, solar power would be the best approach, if you have the sun, but not quite enough heat.
At the time, gas-powered swimming pool water heating is still by far the simplest to install and run and so offers the best answer to heating your pool. You will be able to get LPG water heaters secondhand from numerous sources and you will be able to buy new from the Net too. EBay is another good source of LPG swimming pool water heaters
Owen Jones, the author of this article, writes on several topics, but is now involved with Plus Size Bikinis. If you would like to know more, please go to our web site at Swimwear for Big Busts.
Tags: family, garden, health, health insurance, heating, hobbies, insurance, other, outdoors, patio, recreation, relaxation, security, sport, swimming pool
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Friday, July 8th, 2011
I live in a nation where fathers are proud that their children can ride a motorcycle at eight years of age. When the beaming parent boasts about this, I always ask of the cost of insuring such a young driver but the Thai answer is to smile. Their children are not insured but if they get into an accident, they simply hope that it will not be a bad one.
However, we all know that many motorcycle accidents are serious and that most of those involved in motorcycle accidents are young people. Why would someone, a parent even, allow a child to ride a motorcycle without insurance? It is beyond me, but then, I am not a parent. I just think that it is negligent.
So, the first thing that a motorcyclist should do is take a course – a motorcyclists’ safety course, and even that will not be useful to someone who does not have or cannot get insurance. However, it is a very sensible thing to do to take a motorcyclists’ safety course, because you will be taught how to dress in safe clothing and how to steer clear of perilous situations.
The first thing to find out concerning a motorcyclists’ safety course is what it will teach you and whether you will be given a certificate for completing it. It is also helpful to know whether having such a certificate will entitle you to a discount on your insurance premium. It could well do, which will more than compensate the price of the course during your lifetime – hopefully.
A good motorcyclists’ safety course should teach about the components of a motorcycle, what you can logically expect from them and why. It would also teach you fundamental motorcycle maintenance and repair. After that, it ought to teach you driving skills and how to sidestep accidents.
Wearing the correct safety clothing at all times is another requirement of a good motorcyclists’ safety course. You have to realize why doing something or wearing something is important. And in essence, it is important because it can save your life and avert accidents, which can save other peoples’ lives as well.
It is mostly teenagers who ride motorcycles and teenagers are not well-known for behaving sensibly, so as a parent or a responsible teenager make certain you find out about motorcyclists’ safety course locally.
The Internet is the obvious location to begin looking for a motorcyclists’ safety course, but if you are stumped, then the local authorities, the local police station or the local accident prevention bureau will be able to put you on the correct track and so may the local library.
You know that it makes sense so merely do it, if not to keep your own child out of danger, then so that he or she does run me down when I am out strolling with my wife and my dog.
Owen Jones, the author of this piece, writes on many topics, but is now involved with Safety Glasses USA. If you would like to know more, please visit our site at Safety Glasses Bifocal
Tags: equipment, family, health, health insurance, insurance, motorcycle, other, recreation, rescue, Safety, security, technology, teenagers, Uncategorized, vehicles
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