Information and general advice for individuals.

What is Umbrella Insurance?

In today’s home and auto insurance world, many people are looking for the cheapest and quickest option. Give me the lowest limits with the fewest options and get me through this. In the short run, this may seem like a good idea. But, if you are involved in a claim, and especially if you are found to be at fault or liable in a claim, this bare-bones method may come back to haunt you. In addition to examining your limits of basic coverages and optional coverages within your home and auto policies, [...]

2020-07-24T21:38:51+00:00May 31st, 2018|

My Term Life Insurance Policy is About to Expire… Now What?

If you are like most people who purchase life insurance, you likely chose to purchase term life insurance over a permanent policy such as a whole life policy or universal life policy. There are distinct differences between term life insurance and permanent life insurance and reasons to purchase each. If you have a term policy, there will come a time that it will “expire” and decisions must be made. Does a Term Policy Ever Expire? Technically… yes. But it probably doesn’t expire (meaning that you have no option to remain covered) until [...]

2020-07-24T21:15:48+00:00May 24th, 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 be 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 [...]

2021-07-27T13:36:22+00:00August 2nd, 2017|
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