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1. Shard Calculation

Query:

Response:

Calculated Shard: 129 (from laksa115)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa129.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/stories/benefits/types-of-insurance/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.metlife.com/stories/benefits/types-of-insurance/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.metlife.com\/stories\/benefits\/types-of-insurance\/","crawl_time":1776514297,"first_indexed_time":1666306323,"http_code":200,"src_unparsed":"com,metlife!www,\/stories\/benefits\/types-of-insurance\/ s443","src_root_hash":"13996819936066984129","history_drop_reason":null,"meta_title":"Types of Insurance | MetLife","meta_descriptions":["Discover the different types of insurance, from health and life to auto and home coverage. Learn how each type works and find the right plan for you with MetLife."],"attrs_boilerpipe_text":"Your lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones.\nHealth insurance\nHealth insurance\nis one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues.\n1 \nEven if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket.\nHow to get health insurance\nMost people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent.\nHigh-deductible health plans\n(HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well.\nLife insurance\nLife insurance\nis an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance.\nHow to get life insurance \nYour employer may offer life insurance as part of their benefits package, or you can purchase a plan individually. \nDisability insurance\nDisability insurance\nisn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health.\nDisability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan.\nHow to get disability insurance\nEmployers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history.\nDental and vision insurance\nDental insurance\nhelps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries.\nHow to get dental and vision insurance \nYou can get dental or\nvision insurance\non your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network.\nHospital indemnity insurance\nIt’s no secret that overnight visits are expensive — and not always covered by health insurance.\n2\n(In fact, a three-day hospital stay costs an average of $30,000!) You can help protect your finances as well as your health with hospital indemnity insurance.\nHospital indemnity insurance\nis used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments.\nHow to get hospital indemnity insurance \nHospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck.\nCritical illness insurance and cancer insurance\nCritical illness insurance\nand cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer.\nIn many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as\ndependent coverage\nfor your spouse and children and coverage for recurring illnesses. \nHow to get critical illness and cancer insurance \nWhen getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a\nqualifying life event\n(QLE). You can also purchase these benefits through an independent insurance provider. \nAccident insurance \nAccident insurance\nprovides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays.\nThese plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation. \nHow to get accident insurance\nIf this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider.  \nLegal insurance \nLegal insurance\nprovides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need. \nHow to get legal insurance \nYou can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period. \nPet insurance\ncan help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered. \nHow to get pet insurance \nYour employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider.  \nHomeowners insurance \nHomeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage. \nHow to get homeowners insurance \nHomeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider. \nRenters insurance \nA landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting \n How to get renters insurance \nRenters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget. \nLong-term care insurance \nAccording to the Administration for Community Living, about 60% of people will require long-term care at some point\n.3\nAnd no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care. \nSome may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options. \nHow to get LTC insurance \nSome employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently. \nAuto insurance\nAlmost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident. \nHow to get auto insurance \nEmployers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money. \nTravel insurance\nTravel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses. \nHow to get travel insurance \nSome employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company. \nUmbrella insurance \nUmbrella \ninsurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection. \nLet’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy. \nHow to get umbrella insurance \nTo obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy. \nKnowing the different types of insurance helps you prepare for life’s curveballs \nNow that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family. \n ","attrs_markdown":"[Skip Navigation](https:\/\/www.metlife.com\/stories\/benefits\/types-of-insurance\/#skiptomaincontent)\n\n[![MetLife](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\nSOLUTIONS\n\nSUPPORT\n\nABOUT US\n\nRESOURCES\n\n[LOG IN](https:\/\/www.metlife.com\/stories\/benefits\/types-of-insurance\/)\n\nSEARCH\n\n[LOG IN](https:\/\/www.metlife.com\/stories\/benefits\/types-of-insurance\/)\n\nSEARCH\n\nSOLUTIONS\n\nInsurance\n\nBusiness and Brokers\n\nMetLife Investment Management\n\nRetirement & Income Solutions\n\nInsurance\n\n[Enhance Your Health Coverage](https:\/\/www.metlife.com\/health\/)\n\n- [Dental](https:\/\/www.metlife.com\/insurance\/dental-insurance\/)\n- [Vision](https:\/\/www.metlife.com\/insurance\/vision-insurance\/)\n- [Pet Insurance](https:\/\/www.metlifepetinsurance.com\/)\n\n[Protect Your Finances](https:\/\/www.metlife.com\/insurance\/accident-health\/)\n\n- [Accident](https:\/\/www.metlife.com\/insurance\/accident-health\/accident-insurance\/)\n- [Hospital Indemnity](https:\/\/www.metlife.com\/insurance\/accident-health\/hospital-indemnity-insurance\/)\n- [Critical Illness](https:\/\/www.metlife.com\/insurance\/accident-health\/critical-illness-insurance\/)\n- [Cancer](https:\/\/www.metlife.com\/insurance\/accident-health\/cancer-insurance\/)\n- [Disability and Absence](https:\/\/www.metlife.com\/insurance\/disability-insurance\/)\n\n[Safeguard Your Valuables]()\n\n- [Auto and Home Insurance](https:\/\/www.metlife.com\/farmers-redirect\/)\n- [Identity & Fraud Protection](https:\/\/www.metlife.com\/insurance\/identity-and-fraud-protection\/)\n\n[Secure Your Family's Future](https:\/\/www.metlife.com\/insurance\/life-insurance\/)\n\n- [Term 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Insights](https:\/\/www.metlife.com\/sustainability\/news-insights\/)\n\n- [Research](https:\/\/www.metlife.com\/sustainability\/news-insights\/research\/)\n\nRESOURCES\n\nMetLife Guides\n\nLearn about different types of insurance and employee benefits, as well as smart moves for your finances, retirement, and more—so you can plan ahead for you and your family.\n\n[Learn More](https:\/\/www.metlife.com\/stories\/)\n\nInsurance\n\nInsurance\n\n- [Accident & Health Insurance](https:\/\/www.metlife.com\/stories\/accident-health\/)\n- [Dental Insurance](https:\/\/www.metlife.com\/stories\/dental-insurance\/)\n- [Disability Insurance](https:\/\/www.metlife.com\/stories\/disability-insurance\/)\n- [Legal Insurance](https:\/\/www.metlife.com\/stories\/legal\/)\n- [Life Insurance](https:\/\/www.metlife.com\/stories\/life-insurance\/)\n- [Pet Insurance](https:\/\/www.metlifepetinsurance.com\/blog\/)\n- [Vision Insurance](https:\/\/www.metlife.com\/stories\/vision-insurance\/)\n\nFinancial Wellness\n\nFinancial Wellness\n\n- [Employee Benefits](https:\/\/www.metlife.com\/stories\/benefits\/)\n- [Identity Theft](https:\/\/www.metlife.com\/stories\/identity-theft\/)\n- [Oral Health Library](https:\/\/www.metlife.com\/oralfitnesslibrary\/)\n- [Personal Finance](https:\/\/www.metlife.com\/stories\/personal-finance\/)\n- [Retirement Planning](https:\/\/www.metlife.com\/stories\/retirement)\n\nEnter your search here\n\n0 of 0 Search Results\n\nDisplaying\n\n10 results\n\n- 10 results\n- 20 results\n- 30 results\n\nGrid View\n\nList View\n\nNo Results\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nDid you mean  ?\n\nSorry, we couldn't find any results matching\n\nPlease:\n\n- Check the spelling and try again\n- Search using fewer terms\n- [Click here for Customer Support](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\nof\n\nEmployee Benefits\n\n# Different Types of Insurance: Coverage Options Explained\n4 min read\n\n\\|\n\nMar 13, 2025\n\nYour lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones.\n\n## Health insurance\n[Health insurance](https:\/\/www.metlife.com\/stories\/benefits\/what-is-health-insurance\/) is one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues.1\n\nEven if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket.\n\n### How to get health insurance\nMost people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent. [High-deductible health plans](https:\/\/www.metlife.com\/stories\/benefits\/what-is-a-high-deductible-health-plan\/) (HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well.\n\n## Life insurance\n[Life insurance](https:\/\/www.metlife.com\/stories\/life-insurance\/term-vs-whole-life-insurance\/) is an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance.\n\n### How to get life insurance\nYour employer may offer life insurance as part of their benefits package, or you can purchase a plan individually.\n\n### Disability insurance\n[Disability insurance](https:\/\/www.metlife.com\/stories\/accident-health\/do-i-really-need-disability-insurance\/ \"Disability Insurance\") isn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health.\n\nDisability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan.\n\n### How to get disability insurance\nEmployers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history.\n\n## Dental and vision insurance\n[Dental insurance](https:\/\/www.metlife.com\/stories\/dental-insurance\/what-is-dental-insurance\/) helps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries.\n\n### How to get dental and vision insurance\nYou can get dental or [vision insurance](https:\/\/www.metlife.com\/stories\/benefits\/what-is-vision-insurance\/) on your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network.\n\n## Hospital indemnity insurance\nIt’s no secret that overnight visits are expensive — and not always covered by health insurance.2 (In fact, a three-day hospital stay costs an average of \\$30,000!) You can help protect your finances as well as your health with hospital indemnity insurance.\n\n[Hospital indemnity insurance](https:\/\/www.metlife.com\/stories\/accident-health\/insurance-you-want-if-you-end-up-in-hospital\/) is used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments.\n\n### How to get hospital indemnity insurance\nHospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck.\n\n![Person reviewing insurance documents at desk with laptop](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/evolution-content-hub\/img\/benefits\/Recirc-Inline-Types-915x514.jpg)\n\n## Critical illness insurance and cancer insurance\n[Critical illness insurance](https:\/\/www.metlife.com\/stories\/accident-health\/reasons-to-consider-critical-illness-insurance\/) and cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer.\n\nIn many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as [dependent coverage](https:\/\/www.metlife.com\/stories\/benefits\/dependent-on-health-insurance\/) for your spouse and children and coverage for recurring illnesses.\n\n### How to get critical illness and cancer insurance\nWhen getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a [qualifying life event](https:\/\/www.metlife.com\/stories\/benefits\/qualifying-life-event\/) (QLE). You can also purchase these benefits through an independent insurance provider.\n\n## Accident insurance\n[Accident insurance](https:\/\/www.metlife.com\/stories\/accident-health\/4-reasons-you-need-accident-insurance\/) provides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays.\n\nThese plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation.\n\n### How to get accident insurance\nIf this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider.\n\n## Legal insurance\n[Legal insurance](https:\/\/www.metlife.com\/stories\/legal\/what-is-legal-insurance\/) provides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need.\n\n### How to get legal insurance\nYou can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period.\n\n## Pet insurance\n[Pet insurance](https:\/\/www.metlifepetinsurance.com\/) can help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered.\n\n### How to get pet insurance\nYour employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider.\n\n## Homeowners insurance\nHomeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage.\n\n## How to get homeowners insurance\nHomeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider.\n\n## Renters insurance\nA landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting\n\n### How to get renters insurance\nRenters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget.\n\n## Long-term care insurance\nAccording to the Administration for Community Living, about 60% of people will require long-term care at some point.3 And no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care.\n\nSome may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options.\n\n### How to get LTC insurance\nSome employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently.\n\n## Auto insurance\nAlmost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident.\n\n### How to get auto insurance\nEmployers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money.\n\n## Travel insurance\nTravel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses.\n\n### How to get travel insurance\nSome employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company.\n\n## Umbrella insurance\nUmbrella insurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection.\n\nLet’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy.\n\n### How to get umbrella insurance\nTo obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy.\n\n## Knowing the different types of insurance helps you prepare for life’s curveballs\nNow that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family.\n\n## Related Reads\n[What Is Supplemental Health Insurance? 2 min read](https:\/\/www.metlife.com\/stories\/benefits\/supplemental-health-insurance\/)\n\n[How to Read Your Insurance Card 3 min read](https:\/\/www.metlife.com\/stories\/benefits\/insurance-card\/)\n\n[The Difference Between In Vs Out-of-Network Providers 4 min read](https:\/\/www.metlife.com\/stories\/benefits\/in-network-vs-out-of-network\/)\n\n#### Prepare for Open Enrollment\nExplore MetLife Benefits\n\n[Learn More](https:\/\/www.metlife.com\/open-enrollment\/)\n\n*1 “1 in 10 Adults Owe Medical Debt, With Millions Owing More Than \\$10,000” KFF, 2022  2 “Why health insurance is important” HealthCare.gov, 2025  3 “What is Long-Term Care (LTC) and Who Needs it?” Administration for Community Living, 2021*\n\nThis article is intended to provide general information about insurance. It does not describe any MetLife product or feature.\n\n[![MetLife Footer Logo](https:\/\/www.metlife.com\/content\/dam\/metlifecom\/us\/icons-header\/MetLife.png)](https:\/\/www.metlife.com\/)\n\n### About Us\n[Careers](https:\/\/www.metlifecareers.com\/)\n\n[Investor Relations](https:\/\/investor.metlife.com\/overview\/default.aspx)\n\n[Newsroom](https:\/\/www.metlife.com\/newsstories\/)\n\n[Sustainability](https:\/\/www.metlife.com\/sustainability\/)\n\n[MetLife Foundation](https:\/\/www.metlife.com\/sustainability\/MetLife-Foundation\/)\n\n[Corporate Profile](https:\/\/www.metlife.com\/about-us\/corporate-profile\/)\n\n[Our Purpose](https:\/\/www.metlife.com\/about-us\/our-purpose\/)\n\n[Real People Making Real Impact Series](https:\/\/www.metlife.com\/about-us\/real-people-making-real-impact-series\/)\n\n[Willscenter](https:\/\/www.willscenter.com\/)\n\n### Support\n[Contact Us](https:\/\/www.metlife.com\/support-and-manage\/contact-us\/)\n\n[Find a Dentist](https:\/\/providers.online.metlife.com\/findDentist?searchType=findDentistMetLife)\n\n[Find a Vision Provider](https:\/\/www.metlife.com\/insurance\/vision-insurance\/#find-a-provider)\n\n[Register](https:\/\/online.metlife.com\/public\/registration\/index)\n\n[Find a Form](https:\/\/www.metlife.com\/support-and-manage\/forms-library\/)\n\n[File a Claim](https:\/\/www.metlife.com\/support-and-manage\/file-a-claim\/)\n\n[Claim Unclaimed Property](https:\/\/www.metlife.com\/unclaimed-property\/)\n\n[Find an Insurance Policy](https:\/\/www.metlife.com\/policyfinder\/)\n\n[Fraud Awareness](https:\/\/www.metlife.com\/fraud\/)\n\n[Ethics & Fraud HelpLine](https:\/\/www.metlife.com\/fraud\/report-fraud\/)\n\n[Domestic Abuse Confidentiality](https:\/\/www.metlife.com\/support-and-manage\/confidential-communications\/)\n\n[Privacy Request](https:\/\/online.metlife.com\/edge\/web\/public\/privacy)\n\n[INSURANCE](https:\/\/www.metlife.com\/insurance\/)\n\n[BUSINESS & BROKERS](https:\/\/www.metlife.com\/business-and-brokers\/)\n\n[METLIFE INVESTMENT MANAGEMENT](https:\/\/investments.metlife.com\/)\n\n[RETIREMENT & INCOME SOLUTIONS](https:\/\/www.metlife.com\/retirement-and-income-solutions\/)\n\n[PET INSURANCE](https:\/\/www.metlifepetinsurance.com\/)\n\nSelect Country\n\nUSA\n\n- ###### Americas\n- [USA](https:\/\/www.metlife.com\/)\n- [Argentina](https:\/\/www.metlife.com.ar\/)\n- [Brazil](https:\/\/www.metlife.com.br\/)\n- [Chile](https:\/\/w3.metlife.cl\/)\n- [Chile ProVida](https:\/\/www.provida.cl\/)\n- [Colombia](https:\/\/www.metlife.com.co\/)\n- [Mexico](https:\/\/www.metlife.com.mx\/)\n- [Uruguay](https:\/\/www.metlife.com.uy\/)\n- ###### Asia\n- [Australia](https:\/\/www.metlife.com.au\/)\n- [Bangladesh](https:\/\/www.metlife.com.bd\/)\n- [China](https:\/\/www.metlife.com.cn\/)\n- [India](https:\/\/www.pnbmetlife.com\/)\n- [Japan](https:\/\/www.metlife.co.jp\/)\n- [Korea](https:\/\/www.metlife.co.kr\/)\n- [Malaysia](https:\/\/www.ammetlife.com\/)\n- [Nepal](https:\/\/www.metlife.com.np\/)\n- [Vietnam](https:\/\/www.bidvmetlife.com.vn\/)\n- ###### Europe\n- [Bulgaria](https:\/\/www.metlife.bg\/)\n- [Cyprus](https:\/\/www.metlife.com.cy\/)\n- [Czech Republic](https:\/\/www.metlife.cz\/)\n- [France](https:\/\/www.metlife.fr\/)\n- [Hungary](https:\/\/www.metlife.hu\/)\n- [Ireland](https:\/\/www.metlife.com\/about-us\/careers\/ireland-global-opportunities\/)\n- [Italy](https:\/\/www.metlife.it\/)\n- [Poland](https:\/\/www.metlife.eu\/metlifepoland\/)\n- [Portugal](https:\/\/www.metlife.pt\/)\n- [Romania](https:\/\/www.metropolitanlife.ro\/)\n- [Slovakia](https:\/\/www.metlife.sk\/)\n- [Spain](https:\/\/www.metlife.es\/)\n- [Turkey](https:\/\/www.metlife.com.tr\/)\n- [Ukraine](https:\/\/www.metlife.ua\/)\n- [United Kingdom](https:\/\/www.metlife.co.uk\/)\n- ###### Middle East and Africa\n- [Bahrain](https:\/\/www.metlife-gulf.com\/en\/bahrain\/)\n- [Egypt](https:\/\/www.metlife.eg\/)\n- [Jordan](https:\/\/www.metlife.jo\/)\n- [Kuwait](https:\/\/www.metlife-gulf.com\/kuwait\/)\n- [Lebanon](https:\/\/www.metlife.com.lb\/)\n- [Oman](https:\/\/www.metlife-gulf.com\/oman\/)\n- [Qatar](https:\/\/www.metlife-gulf.com\/en\/qatar\/)\n- [United Arab Emirates](https:\/\/www.metlife.ae\/)\n\n[1-800-METLIFE](tel:+18006385433)\n\n[Privacy Center](https:\/\/www.metlife.com\/about-us\/privacy-policy\/)   [Legal Notices](https:\/\/www.metlife.com\/about-us\/terms-and-conditions\/)\n\nMetropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166\n\n© 2026 MetLife Services and Solutions, LLC\n\nL0325046937\\[exp0327\\]\\[All States\\]\\[DC,GU,MP,PR,VI\\]","attrs_readable_markdown":"Your lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones.\n\n## Health insurance\n[Health insurance](https:\/\/www.metlife.com\/stories\/benefits\/what-is-health-insurance\/) is one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues.1\n\nEven if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket.\n\n### How to get health insurance\nMost people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent. [High-deductible health plans](https:\/\/www.metlife.com\/stories\/benefits\/what-is-a-high-deductible-health-plan\/) (HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well.\n\n## Life insurance\n[Life insurance](https:\/\/www.metlife.com\/stories\/life-insurance\/term-vs-whole-life-insurance\/) is an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance.\n\n### How to get life insurance\nYour employer may offer life insurance as part of their benefits package, or you can purchase a plan individually.\n\n### Disability insurance\n[Disability insurance](https:\/\/www.metlife.com\/stories\/accident-health\/do-i-really-need-disability-insurance\/ \"Disability Insurance\") isn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health.\n\nDisability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan.\n\n### How to get disability insurance\nEmployers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history.\n\n## Dental and vision insurance\n[Dental insurance](https:\/\/www.metlife.com\/stories\/dental-insurance\/what-is-dental-insurance\/) helps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries.\n\n### How to get dental and vision insurance\nYou can get dental or [vision insurance](https:\/\/www.metlife.com\/stories\/benefits\/what-is-vision-insurance\/) on your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network.\n\n## Hospital indemnity insurance\nIt’s no secret that overnight visits are expensive — and not always covered by health insurance.2 (In fact, a three-day hospital stay costs an average of \\$30,000!) You can help protect your finances as well as your health with hospital indemnity insurance.\n\n[Hospital indemnity insurance](https:\/\/www.metlife.com\/stories\/accident-health\/insurance-you-want-if-you-end-up-in-hospital\/) is used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments.\n\n### How to get hospital indemnity insurance\nHospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck.\n\n## Critical illness insurance and cancer insurance\n[Critical illness insurance](https:\/\/www.metlife.com\/stories\/accident-health\/reasons-to-consider-critical-illness-insurance\/) and cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer.\n\nIn many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as [dependent coverage](https:\/\/www.metlife.com\/stories\/benefits\/dependent-on-health-insurance\/) for your spouse and children and coverage for recurring illnesses.\n\n### How to get critical illness and cancer insurance\nWhen getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a [qualifying life event](https:\/\/www.metlife.com\/stories\/benefits\/qualifying-life-event\/) (QLE). You can also purchase these benefits through an independent insurance provider.\n\n## Accident insurance\n[Accident insurance](https:\/\/www.metlife.com\/stories\/accident-health\/4-reasons-you-need-accident-insurance\/) provides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays.\n\nThese plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation.\n\n### How to get accident insurance\nIf this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider.\n\n## Legal insurance\n[Legal insurance](https:\/\/www.metlife.com\/stories\/legal\/what-is-legal-insurance\/) provides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need.\n\n### How to get legal insurance\nYou can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period.\n\n[Pet insurance](https:\/\/www.metlifepetinsurance.com\/) can help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered.\n\n### How to get pet insurance\nYour employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider.\n\n## Homeowners insurance\nHomeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage.\n\n## How to get homeowners insurance\nHomeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider.\n\n## Renters insurance\nA landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting\n\n### How to get renters insurance\nRenters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget.\n\n## Long-term care insurance\nAccording to the Administration for Community Living, about 60% of people will require long-term care at some point.3 And no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care.\n\nSome may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options.\n\n### How to get LTC insurance\nSome employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently.\n\n## Auto insurance\nAlmost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident.\n\n### How to get auto insurance\nEmployers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money.\n\n## Travel insurance\nTravel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses.\n\n### How to get travel insurance\nSome employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company.\n\n## Umbrella insurance\nUmbrella insurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection.\n\nLet’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy.\n\n### How to get umbrella insurance\nTo obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy.\n\n## Knowing the different types of insurance helps you prepare for life’s curveballs\nNow that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family.","meta_canonical":null}

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URL	https://www.metlife.com/stories/benefits/types-of-insurance/
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Meta Title	Types of Insurance \| MetLife
Meta Description	Discover the different types of insurance, from health and life to auto and home coverage. Learn how each type works and find the right plan for you with MetLife.
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Boilerpipe Text	Your lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones. Health insurance Health insurance is one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues. 1 Even if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket. How to get health insurance Most people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent. High-deductible health plans (HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well. Life insurance Life insurance is an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance. How to get life insurance Your employer may offer life insurance as part of their benefits package, or you can purchase a plan individually. Disability insurance Disability insurance isn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health. Disability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan. How to get disability insurance Employers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history. Dental and vision insurance Dental insurance helps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries. How to get dental and vision insurance You can get dental or vision insurance on your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network. Hospital indemnity insurance It’s no secret that overnight visits are expensive — and not always covered by health insurance. 2 (In fact, a three-day hospital stay costs an average of $30,000!) You can help protect your finances as well as your health with hospital indemnity insurance. Hospital indemnity insurance is used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments. How to get hospital indemnity insurance Hospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck. Critical illness insurance and cancer insurance Critical illness insurance and cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer. In many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as dependent coverage for your spouse and children and coverage for recurring illnesses. How to get critical illness and cancer insurance When getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a qualifying life event (QLE). You can also purchase these benefits through an independent insurance provider. Accident insurance Accident insurance provides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays. These plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation. How to get accident insurance If this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider. Legal insurance Legal insurance provides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need. How to get legal insurance You can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period. Pet insurance can help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered. How to get pet insurance Your employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider. Homeowners insurance Homeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage. How to get homeowners insurance Homeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider. Renters insurance A landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting How to get renters insurance Renters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget. Long-term care insurance According to the Administration for Community Living, about 60% of people will require long-term care at some point .3 And no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care. Some may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options. How to get LTC insurance Some employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently. Auto insurance Almost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident. How to get auto insurance Employers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money. Travel insurance Travel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses. How to get travel insurance Some employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company. Umbrella insurance Umbrella insurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection. Let’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy. How to get umbrella insurance To obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy. Knowing the different types of insurance helps you prepare for life’s curveballs Now that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family.
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[Learn More](https://www.metlife.com/stories/) Insurance Insurance - [Accident & Health Insurance](https://www.metlife.com/stories/accident-health/) - [Dental Insurance](https://www.metlife.com/stories/dental-insurance/) - [Disability Insurance](https://www.metlife.com/stories/disability-insurance/) - [Legal Insurance](https://www.metlife.com/stories/legal/) - [Life Insurance](https://www.metlife.com/stories/life-insurance/) - [Pet Insurance](https://www.metlifepetinsurance.com/blog/) - [Vision Insurance](https://www.metlife.com/stories/vision-insurance/) Financial Wellness Financial Wellness - [Employee Benefits](https://www.metlife.com/stories/benefits/) - [Identity Theft](https://www.metlife.com/stories/identity-theft/) - [Oral Health Library](https://www.metlife.com/oralfitnesslibrary/) - [Personal Finance](https://www.metlife.com/stories/personal-finance/) - [Retirement Planning](https://www.metlife.com/stories/retirement) Enter your search here 0 of 0 Search Results Displaying 10 results - 10 results - 20 results - 30 results Grid View List View No Results Sorry, we couldn't find any results matching Please: - Check the spelling and try again - Search using fewer terms - [Click here for Customer Support](https://www.metlife.com/support-and-manage/contact-us/) Did you mean ? Sorry, we couldn't find any results matching Please: - Check the spelling and try again - Search using fewer terms - [Click here for Customer Support](https://www.metlife.com/support-and-manage/contact-us/) of Employee Benefits # Different Types of Insurance: Coverage Options Explained 4 min read \\| Mar 13, 2025 Your lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones. ## Health insurance [Health insurance](https://www.metlife.com/stories/benefits/what-is-health-insurance/) is one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues.1 Even if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket. ### How to get health insurance Most people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent. [High-deductible health plans](https://www.metlife.com/stories/benefits/what-is-a-high-deductible-health-plan/) (HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well. ## Life insurance [Life insurance](https://www.metlife.com/stories/life-insurance/term-vs-whole-life-insurance/) is an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance. ### How to get life insurance Your employer may offer life insurance as part of their benefits package, or you can purchase a plan individually. ### Disability insurance [Disability insurance](https://www.metlife.com/stories/accident-health/do-i-really-need-disability-insurance/ "Disability Insurance") isn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health. Disability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan. ### How to get disability insurance Employers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history. ## Dental and vision insurance [Dental insurance](https://www.metlife.com/stories/dental-insurance/what-is-dental-insurance/) helps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries. ### How to get dental and vision insurance You can get dental or [vision insurance](https://www.metlife.com/stories/benefits/what-is-vision-insurance/) on your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network. ## Hospital indemnity insurance It’s no secret that overnight visits are expensive — and not always covered by health insurance.2 (In fact, a three-day hospital stay costs an average of \$30,000!) You can help protect your finances as well as your health with hospital indemnity insurance. [Hospital indemnity insurance](https://www.metlife.com/stories/accident-health/insurance-you-want-if-you-end-up-in-hospital/) is used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments. ### How to get hospital indemnity insurance Hospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck. ![Person reviewing insurance documents at desk with laptop](https://www.metlife.com/content/dam/metlifecom/us/evolution-content-hub/img/benefits/Recirc-Inline-Types-915x514.jpg) ## Critical illness insurance and cancer insurance [Critical illness insurance](https://www.metlife.com/stories/accident-health/reasons-to-consider-critical-illness-insurance/) and cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer. In many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as [dependent coverage](https://www.metlife.com/stories/benefits/dependent-on-health-insurance/) for your spouse and children and coverage for recurring illnesses. ### How to get critical illness and cancer insurance When getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a [qualifying life event](https://www.metlife.com/stories/benefits/qualifying-life-event/) (QLE). You can also purchase these benefits through an independent insurance provider. ## Accident insurance [Accident insurance](https://www.metlife.com/stories/accident-health/4-reasons-you-need-accident-insurance/) provides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays. These plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation. ### How to get accident insurance If this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider. ## Legal insurance [Legal insurance](https://www.metlife.com/stories/legal/what-is-legal-insurance/) provides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need. ### How to get legal insurance You can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period. ## Pet insurance [Pet insurance](https://www.metlifepetinsurance.com/) can help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered. ### How to get pet insurance Your employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider. ## Homeowners insurance Homeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage. ## How to get homeowners insurance Homeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider. ## Renters insurance A landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting ### How to get renters insurance Renters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget. ## Long-term care insurance According to the Administration for Community Living, about 60% of people will require long-term care at some point.3 And no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care. Some may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options. ### How to get LTC insurance Some employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently. ## Auto insurance Almost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident. ### How to get auto insurance Employers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money. ## Travel insurance Travel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses. ### How to get travel insurance Some employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company. ## Umbrella insurance Umbrella insurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection. Let’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy. ### How to get umbrella insurance To obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy. ## Knowing the different types of insurance helps you prepare for life’s curveballs Now that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family. ## Related Reads [What Is Supplemental Health Insurance? 2 min read](https://www.metlife.com/stories/benefits/supplemental-health-insurance/) [How to Read Your Insurance Card 3 min read](https://www.metlife.com/stories/benefits/insurance-card/) [The Difference Between In Vs Out-of-Network Providers 4 min read](https://www.metlife.com/stories/benefits/in-network-vs-out-of-network/) #### Prepare for Open Enrollment Explore MetLife Benefits [Learn More](https://www.metlife.com/open-enrollment/) 1 “1 in 10 Adults Owe Medical Debt, With Millions Owing More Than \$10,000” KFF, 2022 2 “Why health insurance is important” HealthCare.gov, 2025 3 “What is Long-Term Care (LTC) and Who Needs it?” Administration for Community Living, 2021 This article is intended to provide general information about insurance. It does not describe any MetLife product or feature. 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Readable Markdown	Your lifestyle, your priorities, and your dreams are all part of your financial future. To protect it, you may need multiple types of insurance coverage. But do you know what types of coverage are available or how to tap into them? This article outlines many of the most essential types of insurance, including those typically offered as employer-sponsored benefits. Use it as a starting point to help assess your insurance needs and create a coverage strategy that's right for you and your loved ones. ## Health insurance [Health insurance](https://www.metlife.com/stories/benefits/what-is-health-insurance/) is one of the most essential types of coverage in the U.S. With many Americans carrying medical debt, adequate coverage could mean the difference between a manageable bill and major financial issues.1 Even if you’re healthy, health insurance is important. Routine check-ups and tests, which are often covered by health insurance, can help detect hidden medical issues and prevent potentially serious conditions that can occur down the road. If you don’t have health insurance, you may end up paying the bills for expensive medical tests and treatments out of pocket. ### How to get health insurance Most people enroll in health insurance coverage through an employer or the federal health insurance marketplace. You can also buy health insurance directly from a provider or through an insurance agent. [High-deductible health plans](https://www.metlife.com/stories/benefits/what-is-a-high-deductible-health-plan/) (HDHPs), federal programs, and subsidized policies exist for qualifying applicants as well. ## Life insurance [Life insurance](https://www.metlife.com/stories/life-insurance/term-vs-whole-life-insurance/) is an insurance contract that provides your beneficiaries with a lump sum of money at the time of your death. There are two main types of life insurance: term and permanent. Term life insurance provides financial protection to children or dependents for a specific period of time. Permanent life insurance offers more comprehensive coverage, which may be better for developing an estate plan and leaving an inheritance for your survivors. You can choose from several types of permanent life insurance, including whole, universal, burial, variable universal, and survivorship life insurance. ### How to get life insurance Your employer may offer life insurance as part of their benefits package, or you can purchase a plan individually. ### Disability insurance [Disability insurance](https://www.metlife.com/stories/accident-health/do-i-really-need-disability-insurance/ "Disability Insurance") isn’t just for risky occupations. This type of insurance provides coverage if you’re unable to work for various reasons, such as arthritis, back pain, diabetes, car accidents, pregnancy, and mental health. Disability coverage supplements a portion of your income, and depending on your circumstances, you may be eligible for Social Security Disability Insurance (SSDI), employer-sponsored group disability insurance, or individual disability policies. Some disability plans have a monthly payout cap that limits how much you can draw from your policy. Also, most plans have a waiting period before coverage begins. Refer to individual policy information to assess factors like these when choosing your plan. ### How to get disability insurance Employers may offer group disability insurance as a benefit or you can buy individual policies. Terms, coverage, and eligibility requirements vary by company. Some policies may require you to undergo a medical evaluation or provide medical records. Insurance companies assess your eligibility and terms of coverage based on your application and medical history. ## Dental and vision insurance [Dental insurance](https://www.metlife.com/stories/dental-insurance/what-is-dental-insurance/) helps cover the cost of dental exams and treatment. Vision insurance helps with the costs of vision exams and eyewear. Benefits vary among plans, but common coverage includes routine cleanings, dental surgeries, and some corrective surgeries. ### How to get dental and vision insurance You can get dental or [vision insurance](https://www.metlife.com/stories/benefits/what-is-vision-insurance/) on your own or through your workplace if they’re offered as a benefit. Review the plan details and coverage options provided, and become familiar with your provider network. ## Hospital indemnity insurance It’s no secret that overnight visits are expensive — and not always covered by health insurance.2 (In fact, a three-day hospital stay costs an average of \$30,000!) You can help protect your finances as well as your health with hospital indemnity insurance. [Hospital indemnity insurance](https://www.metlife.com/stories/accident-health/insurance-you-want-if-you-end-up-in-hospital/) is used to he;p cover costs associated with hospital admission, inpatient rehabilitation, and overnight inpatient stays. Typically, a hospital indemnity plan provides cash payments directly to enrollees. You can use the cash payments for virtually any purpose, including copay and coinsurance charges, deductibles, and living expenses, like food or mortgage payments. ### How to get hospital indemnity insurance Hospital indemnity insurance can be purchased independently or through your employer (if offered). If your employer offers this benefit, you can have premiums automatically deducted from your paycheck. ## Critical illness insurance and cancer insurance [Critical illness insurance](https://www.metlife.com/stories/accident-health/reasons-to-consider-critical-illness-insurance/) and cancer insurance are types of insurance policies created to provide benefits that can help cover the costs of treating acute illnesses and medical conditions, like heart attacks, chronic illnesses, and cancer. In many cases, they offer policyholders a cash payout for covered incidents, which can be used to cover treatment costs, living expenses, or however you see fit. Your employer may also offer benefits such as [dependent coverage](https://www.metlife.com/stories/benefits/dependent-on-health-insurance/) for your spouse and children and coverage for recurring illnesses. ### How to get critical illness and cancer insurance When getting critical illness insurance or cancer insurance through your employer, you can typically enroll during the open enrollment period, when you first join the company or after a [qualifying life event](https://www.metlife.com/stories/benefits/qualifying-life-event/) (QLE). You can also purchase these benefits through an independent insurance provider. ## Accident insurance [Accident insurance](https://www.metlife.com/stories/accident-health/4-reasons-you-need-accident-insurance/) provides benefits in the event the participant sustains certain injuries caused by an accident. Most accident insurance plans provide benefits that can be used as the participant sees fit, including to help cover a range of expenses, such as emergency room visits, insurance deductibles, and copays. These plans typically provide enrollees with a lump-sum payout they can use how they see fit. For example, you can use the money to pay for costs directly related to medical treatment, like a hospital bill, or indirect expenses like food, hotel stays, or transportation. ### How to get accident insurance If this benefit is offered through your workplace, follow the instructions provided by your employer to enroll. If not, research providers, compare plans, and enroll online with your chosen provider. ## Legal insurance [Legal insurance](https://www.metlife.com/stories/legal/what-is-legal-insurance/) provides access to attorneys offering legal services — including drafting and reviewing documents, consultation, or representation in court. For a monthly premium, you get access to a network of attorneys, making it easier to find a trusted advisor for whatever legal assistance you need. ### How to get legal insurance You can opt into a legal insurance plan through your employer (if offered) or on your own. If you're a federal employee or member of the military, you have the option to enroll in legal insurance anytime during the year, even if it's outside of the typical enrollment period. [Pet insurance](https://www.metlifepetinsurance.com/) can help cover costs related to your pet’s healthcare, including emergencies, overnight vet stays, and unexpected illnesses. It helps reimburse covered veterinary costs from accidents and illnesses — like ear infections, broken bones, and cancer. However, certain expenses — like grooming, food not prescribed by a vet, and elective surgeries — generally aren’t covered. ### How to get pet insurance Your employer may offer coverage as part of your benefits package, or you can buy pet insurance online through a commercial provider. ## Homeowners insurance Homeowners insurance may be mandated by mortgage lenders in order to get a homeowner’s loan. This coverage provides financial protection in case your home is damaged. Most home insurance policies help cover costs related to dwelling and personal property damage, additional living expenses, and certain types of natural disaster damage. ## How to get homeowners insurance Homeowners insurance generally isn’t offered by employers, so you'll most likely need to purchase a policy on your own. Evaluate your coverage needs by considering the value of your property, its contents, and any additional structures you want to insure before choosing a provider. ## Renters insurance A landlord’s insurance covers any structural damage to your rental home or apartment, like roof repairs or fire damage. Renters insurance, however, provides financial protection for your personal belongings while you’re renting ### How to get renters insurance Renters insurance is most often purchased by an individual through an insurance provider. Compare coverage, deductibles, and premiums, and then choose a plan that aligns with your needs and budget. ## Long-term care insurance According to the Administration for Community Living, about 60% of people will require long-term care at some point.3 And no matter what type of long-term care you may need, it can get costly. Long-term care (LTC) insurance helps pay for costs related to a variety of long-term care services, including in-home assistance, short- or long-term nursing home stays, and adult day care. Some may wait to invest in LTC when they’re in their 50s or 60s. However, the cost to purchase LTC insurance can increase with age, which may make it more cost-effective to enroll at a younger age. Some life insurance policies allow you to add an LTC rider, so contact your insurance agent or human resources representative to learn more about your options. ### How to get LTC insurance Some employers offer group long-term care insurance as part of their employee benefits package. If they do, you can enroll during open enrollment periods. If not, you can purchase it independently. ## Auto insurance Almost every state requires drivers to have auto insurance. Car insurance helps cover costs related to accidents, car theft, or damage to your vehicle from natural disasters. It may also help protect you against lawsuits related to an accident. ### How to get auto insurance Employers don't typically offer auto insurance, so you’ll probably need to purchase it on your own through an insurance provider. Consider bundling home or renters insurance and auto insurance through one provider to save money. ## Travel insurance Travel insurance is designed to safeguard travelers against unforeseen events and financial losses associated with a trip. It offers coverage for things like trip cancellations, lost or delayed baggage, medical emergencies, and other travel-related expenses. ### How to get travel insurance Some employers may offer travel insurance to cover employees for business-related trips. However, for personal travel protection, you most likely need to purchase it on your own through an insurance company, travel agency, or credit card company. ## Umbrella insurance Umbrella insurance is a type of liability insurance that offers coverage beyond the limits of your existing insurance policies — such as auto or homeowners insurance — to provide additional financial protection. Let’s say you’re at fault in a car accident, and the damages exceed the liability limits of your auto insurance policy. Without umbrella insurance, you’d be responsible for covering the remaining costs out of pocket. However, with umbrella insurance, that extra amount would be covered up to the limit specified in your policy. ### How to get umbrella insurance To obtain umbrella insurance, you’ll first need to have an underlying primary insurance policy with certain minimum liability limits. Most umbrella insurance coverage plans are purchased from the provider that issued your primary policy. ## Knowing the different types of insurance helps you prepare for life’s curveballs Now that you’re familiar with the most common types of insurance, consider which types align with your needs and offer the best coverage for your circumstances. It’s important to consider factors like your health, dependents, financial situation, and assets. As you dive into the details of the plans, consider consulting with an insurance professional to help make the best decision for you and your family.
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