| Show - '1OF The Salt Lake Tribune Sunday June 5 1988 Follow This Policy on Specialty Coverage: Most 'Junk' Insurance Is Trash ' ' available on more conventional policies "Some of these have been labeled junk insurance" said Harvey Sey- By Lisa M Keefe Orlando Sentinel Writer After you've insured your life health home and car you could consider buying policies on the other things that are important to you: con tact lenses your mortgage and your mour public-affair- officer for the s Insurance InformaNew York-base- d tion Institute an industry education association "Some are not necessary :airline trip That is you could buy all that extra insurance but you probably shouldn't Specialty policies are those that have narrow coverage — of a single possession or for a brief period of at all" Some specialty insurance is sold by small disreputable insurance n companies but many large companies offer policies as well Many policies are designed to play on consumers' greatest fears: cancer flying or a spoiled vacation Before paying the premiums on some novel policy insurance experts say remember the two Cs: catastrophic and comprehensive Insurance should protect you in case of a well-know- : time Some policies such as the collision damage waivers you buy on rental cars can be useful because they protect you from an event that could be financially disastrous But most limited policies fail this test are costly and duplicate coverage Teachers Top Consumers tivities said RB Bartlett director of marketing for the firm Compared with other consumer groups the study said teachers are: — 50 percent more likely to respond to direct mail and telephone marketing offers — 91 percent more likely to have spent more than $500 on direct response purchases during the last 12 months — heavy users of premium credit SHELTON Conn (UPI) — Teachers aPe an affluent responsive and largely untapped group of consumers compared with other US adults a study released by Market Data Retrieval a leading market research firm said The study based on interviews with about 1500 educators from the kindergarten to the college level said America's estimated 3 million teachers have an average household income of more than $50000 a year about 30 percent higher than that of other US households : The study was conducted to in form merchandisers that teachers are prime consumers due to their substantial disposable incomes and the fact that they have 185 days off a year to travel and enjoy leisure ac : ' cards — 60 percent more likely to belong to a health club Bartlett said the key to marketing products to teachers is to contact them at school because most are not listed by profession in the telephone book or other marketing sources 0 OURGOWIE COMPUTERS INC 10 mhz XTC Computar 12 mhz ATC Computer 22 times faster than std PCXT 117 times faster than std PCXT Package Package '106900 16690 Absolutely complete system — no hidden charges! 1 !:jr'''''-'''':::":" t- ::::' i ::::::: '! "- ts AT but hardly cata- "If it rains what's the big deal?" said Robert Hunter president of the National Insurance Consumer Organization a consumer group based in Alexandria Va "Take the money and go to a tanning parlor" collision Until recently rental-ca- r damage waivers also failed these tests Rental-ca- r companies used to hold the driver responsible only for a deductible Now on many contracts the driver is responsible for all the damage to the car A traffic accident that destroys a $15000 car would be a catastrophic event for many drivers and if your own auto insurance policy doesn't cover damage to a rental car you may feel better with the extra protection Many specialty policies are costly too Perhaps the $3 flight insurance you can buy from a booth at the airport doesn't seem expensive but that figure adds up to a premium of about $8760 for a year's worth of coverage And you would have to die you may not be leaving enough money to your beneficiaries to clear up leftover bills you can increase your coverage for much less cost than a specialty policy Homeowners or renters policies often protect you against mugging so you probably don't need mugging insurance Life insurance will cover you if you die in a plane crash Health insurance will help pay the medical bills whether you have a heart attack or cancer so you can skip the policies that cover you only for certain afflictions Some policies such as nursing-hom- e insurance are unfamiliar and narrowly defined but fill a need: In this case to protect growing numbers of families from being wiped out by the costs of nursing home Some insurance policies may sound useful at first but upon closer examination you'll probably find they duplicate coverage you already have or are just simply unnecessary Below is a list of the insurance polices that are least likely to be worth the money: — Contact lenses These days the lenses tend to be so inexpensive that NY need "Entry level workers pay rates that meet basic costs of liv- ing to be able to survive in today's economic environment" he said Many young people are hired for data en in fast-food entry-leveljo- my 0p ID tiCtt i a k I- -' r A" r Place a Il1ian2 2 Pay for your ad III try telemarketing retail and other industries But while these types of jobs give young people good learning experiences they do not pay enough to daily living expenses ro If you come into 143 South Main to care If you are tempted to buy a spe er health-insuranc- I r Exec Calls For Minimum Wage Raise NEW YORK (UPI) — Raising the hourly minimum wage from $335 is essential for young people who are now entering the job market the president of a New York temporary employment company says "Statistics show that children today will not live as well as their parents Keeping the minimum wage low will guarantee that" said John Fanning president of Uniforce Temporary Services of New Hyde Park the insurance may cost more than they do — Mortgage and credit You should have enough life insurance so that your outstanding debts are paid in the event of your death — Mugging Often covered by homeowners and renters policies — Cancer Covered by most e policies — Rain For vacations So it rains — big deal — Flight insurance Enormously expensive considering how unlikely it is you will die in a plane crash Besides life insurance will pay your survivors t cov- starting Monday May 16th and for the next 30 days please take the elevator to the 10th floor and follow the signs in- cluding car maintenance and insurance costs and public transportation fares which are necessary just to get to and from work he said Fanning notes it has taken the federal government seven years or so to review the nation's minimum wage level and suggests an analysis be done about every two years to keep it in line with the economy "I believe $4 an hour is not an unrealistic figure for today" he said I Newspaper Agency Corporation fakt Talbunt (:i6) DESERET NEWS I Style Keyboard Dual Floppy Disc Drives TTL Amber Monitor 0 120 CPS Printer t!--- - 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