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Q: What`s the basic differrence between inidvidual and collective insurance coverage?

A: A private on line insurance plan is aqcuired directly at the insurane fimr. In a cooperaative policy online policy, the copany is the mster insured and therefore the insuance copmany contracts with the association. Inssurance certificates, issuued to a participating partner, servve as yuor policy. Often cooperative insure on line costs less than wolud hvae been charged had the inssurance organization sold private policiees to each mebmer separately. Moreoevr, collective ins coverage often contains unusal coverages thaat are not obtainaable or are increddibly expensive on a private basi. The purchasig power of the companny makes this economically praccticable.

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