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Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Kunia area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR KUNIA
Financial Security Specialists Write review for this local business
95-099 Lauaki Pl., Mililani, HI 96789
(808) 625-3782  
Offering premier personal and business insurance representatives focused on finding the right kind of insurance, including both the right amount and right price, for you.
State Farm Insurance Write review for this local business
94-615 Kupuohi St Ste 203, Waipahu, HI 96797
(808) 688-1551  
Middleton Mark H Write review for this local business
1001 Kamokila Blvd Ste 319, Kapolei, HI 96707
(808) 674-1122  
Al Morinaka Write review for this local business
1001 Kamokila Blvd Ste 112, Kapolei, HI 96707
(808) 674-0755  
Ofco Insurance Agency Inc Write review for this local business
94-889 Waipahu St Ste 205, Waipahu, HI 96797
(808) 677-3128  
American Pacific Growth Inc Write review for this local business
970067 Po Box, Waipahu, HI 96797
(808) 677-0748  
State Farm Insurance Write review for this local business
94-050 Farrington Hwy Ste E1-1A, Waipahu, HI 96797
(808) 676-4031  
Primerica Financial Services Write review for this local business
94-229 Waipahu Depot St Ste 206, Waipahu, HI 96797
(808) 671-8671  
Dennis M Sumimoto Ins Write review for this local business
94-229 Waipahu Depot St Ste 201, Waipahu, HI 96797
(808) 677-0098  
M Sumimoto, Dennis - State Farm Insurance Write review for this local business
94-229 Waipahu Depot St Ste 201, Waipahu, HI 96797
(808) 677-0098  
State Farm Insurance Write review for this local business
94-366 Pupupani St, Waipahu, HI 96797
(808) 671-7888  
Fms Hawaii Inc Write review for this local business
94-356 Waipahu Depot St, Waipahu, HI 96797
(808) 676-1539  
Castillo Valerie Write review for this local business
94-1036 Waipio Uka St Ste 109, Waipahu, HI 96797
(808) 677-1155  
Asuncion Insurance Agency Write review for this local business
94-229 Waipahu Depot St Ste 405, Waipahu, HI 96797
(808) 671-0443  
Mutual Underwriters-Kunia Branch Write review for this local business
94-615 Kupuohi St Ste 102, Waipahu, HI 96797
(808) 688-2222  
Allstate Insurance Write review for this local business
94-615 Kupuohi St Ste 102, Waipahu, HI 96797
(808) 688-1229  
Allstate Insurance Write review for this local business
1001 Kamokila Blvd Ste 110, Kapolei, HI 96707
(808) 674-0755  
State Farm Insurance Write review for this local business
1001 Kamokila Blvd Ste 197, Kapolei, HI 96707
(808) 674-6655  
Allstate Insurance Write review for this local business
94-210 Pupukahi St Ste 208, Waipahu, HI 96797
(808) 677-1428  
State Farm Insurance Write review for this local business
94-849 Lumiaina St Unit 104, Waipahu, HI 96797
(808) 671-7888  
Insurance Advocates Write review for this local business
1001 Kamokila Blvd Ste 205, Kapolei, HI 96707
(808) 954-7222  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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