Insurance Company Contact Information

Allstate Insurance Group
(Allstate Insurance Company, Encompass Insurance Company)

(800) 54 Storm
(800) 547-8676
www.allstate.com

American National Property & Casualty Company

(800) 326-7781
(800) 333-2860
www.anpac.com

American Security Insurance Company

(866) 324-6516
www.assurant.com

Amica Mutual Insurance Company

(800) 242-6422 or
(877) 972-6422
www.amica.com

Estate planning

Estate planning is the process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Guardians are often designated for minor children and beneficiaries in incapacity.

What is Insurance ?

In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practise of appraising and controlling risk, has evolved as a discrete field of study and practice.
The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.