- Dental/ Vision
- Long-Term Care
* Annuities are not generally classify as an insurance.
Insurance is a form of risk management primarily used to hedge
against the risk of a contingentor peril. Insurance is defined as
the equitable transfer of the risk of a loss by a specified
contingency or peril, from one party to another, in exchange
for payment (premium).
Peril is the cause of a loss. Example of perils include:
earthquake, fire, theft, windstorm, and hail.