Information and general advice for individuals.

Travel Insurance

Set the scene. You are about to board your flight to the vacation of a lifetime. You have spent months planning and obsessing over this vacation. You are so ready to just put your feet in the sand and relax. Over the intercom, you hear that all flights to your destination have been canceled due to a massive hurricane that is coming into the area where you are flying to. You start to panic. You are unsure if you will be able to reschedule or even get your money back. The airline [...]

2020-11-12T17:09:29+00:00August 2nd, 2018|

Umbrella Insurance: A Full Rundown

Imagine, you are enjoying a wonderful Saturday morning outside. You are out walking Fido, who by the way is the friendliest dog, and you see your neighbor outside. You stop to say hi and he is trying to pet Fido. Out of nowhere, Fido bites him! You apologize but your neighbor is saying they are going to sue you for the damages. No problem, your homeowners should cover this issue, right? Until you talk to your agent and learn that your coverage isn’t enough to cover the total cost. The cost is [...]

2018-12-10T15:03:02+00:00July 31st, 2018|

Insuring Your Matrimonial Memories

Here comes the bride through a beautifully landscaped garden on the grounds of a quaint country inn. But wait! An unforeseen storm, accompanied by roaring thunder and flashes of lightning, sends everyone scurrying. The bride and that expensive gown are drenched. It’s a washout as the downpour continues unabated. It looks like Mom and Dad are going to eat the bill and forced to settle for a do-over with a Justice of the Peace. Okay, so that’s an extreme example, but all kinds of things can disrupt, interrupt or destroy those few [...]

2018-12-10T15:04:23+00:00July 26th, 2018|

Canadian ID Cards

Have you ever traveled to Canada and not had Canadian ID cards? You are probably asking yourself what Canadian ID cards are right about now. Do not worry, we have you covered and have the facts to make sure you are protected when visiting the north of the border. What is a Canadian ID Card? A Canadian ID card, also known as Non-Resident Inter-Province Motor Vehicle Liability Insurance Card, is proof that your USA auto policy liability limits meet the minimum requirements for each and all Canadian provinces and territories and that [...]

2021-07-28T16:12:44+00:00July 17th, 2018|

Protect Your Recreation Vehicles To Keep The Fun Going

Summer is heating up and that makes it the perfect time for some fun. For some, that fun could be taking the RV to a campground or for a cross-country adventure, taking that motorcycle or ATV out for a ride, or even taking that boat for a spin on a beautiful lake. All of these sound like an amazing way to spend your free time this summer. However, in the blink of an eye, these things could turn into a nightmare if you are not protecting them with the right kinds of [...]

2021-07-28T16:13:41+00:00July 10th, 2018|

How can I avoid getting robbed on life insurance?

Our society is so bombarded by ads concerning low-priced insurance that I think we are expecting that all insurance agents are out to get us. We aren’t getting the best deal if we aren’t talking to the guy we saw in the last tv commercial. I’ve got good news. There are a few “ancient secrets” that can aid you in paying the lowest price possible. The way of the Early Bird: You know the old cliche, “The early bird gets the worm”? Yeah, well it’s true. The earlier in life you buy [...]

2021-07-28T16:23:18+00:00July 5th, 2018|

Your employer’s life insurance is great, but you need your own, too

Employer-provided group life insurance is a wonderful thing, but its just not enough on its own. You can have more than one life insurance policy, and these group life insurance plans are an excellent, inexpensive way to supplement your individual policy. What you shouldn’t do is rely on your employer’s plan as your main source of protection. 3 Reasons Why Your Employer’s Life Insurance Plan Is So Great 1) You are automatically approved upon hiring. This is a big deal. Even if you have a major medical issue like diabetes, epilepsy, a [...]

2018-12-10T15:07:45+00:00July 3rd, 2018|

Is an annuity right for you?

There is much debate about whether or not individuals preparing for retirement should purchase annuities as a piece of their retirement puzzle. Before determining the usefulness of an annuity for you, make sure you are clear on what an annuity is and what its important components are. What is an annuity? An annuity is an insurance product, most often sold by those who also sell life insurance. Both annuity contracts and life insurance policies are designed to supply an individual or individuals with a sum of cash based on a person’s life [...]

2020-07-24T21:54:03+00:00June 28th, 2018|

How Much Life Insurance Do I Need?

You’ve probably seen one of those commercials. Did you know that we can find you a $250,000 life insurance policy for just $10 per month? The price sounds great. And, without giving it much thought, a quarter of a million dollars probably seems like a great deal of money. And maybe it is the right amount for you. Maybe it’s more than you need. But, maybe it’s less than you really need. How do you decide? There are several factors to consider when calculating the appropriate amount of coverage. Debt Load For [...]

2020-07-24T21:53:13+00:00June 26th, 2018|

Don’t Forget to Properly Name Your Beneficiaries

When applying for a life insurance policy, you will be asked about naming primary and contingent beneficiaries. In my experience, those applying for the policy spend very little time thinking about the answer to this question. And, in reality, for most people at the time of application, there may not be much to think about. “It should go to my spouse.” Yes, it should. If you are to pass away before your spouse. But what if the situation becomes much more complex? First, let’s review a couple of terms mentioned above. A [...]

2020-07-24T21:43:46+00:00June 21st, 2018|
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