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The transfer of consumer or personal goods in the shipping process can be by land, water, or air. If your business transports products by lands, such as with trucks or rail, you need inland marine insurance to protect the value of the items. Products can get broken or lost in the shipping process, but this coverage pays for damage or losses.

Life insurance and annuity are very basic and common terms but they are different from each other. Annuity is opposite to life insurance as it is like a retirement plan and support future financial needs whereas life insurance is beneficial after the death of the insured.

The need of business insurance starts with the planning and setting-up of business but it is also important to have some detailed description of its terms and conditions. There are some points of do's and don'ts which can also bring down high premiums.

Disability insurance covers risk related to the person in their tough time as it acts as an income source in emergency situation. But the decision of buying short-term disability insurance is totally dependent on individual. But it is a kind of financial tool which is needed by everyone.

Boiler insurance does not come under either home insurance or content insurance, it has to be purchased separately. So this factor about boiler insurance makes it complicated to decide whether it should be bought or not. But this decision varies with need of getting boiler insurance.

Keeping in mind these basic truths of term insurance can help you decide to go in for one or not. Either way, you should speak to your insurance agent and clarify any doubts before deciding for or against term policies.