Information and general advice for individuals.

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|

This Isn’t How Your Parents Bought Life Insurance

The best way for me to tell you how easy it has become is a case study. A good friend of mine wanted to get life insurance, but he and his wife never had the time to sit down with me and go through the paperwork. They have 3 kids, multiple commitments in the community, and jobs. Something had to give. Enter electronic applications. We had already agreed on a quote via email and phone so I knew what policies they wanted and how much. I filled out the application on my [...]

2018-12-10T15:09:02+00:00June 19th, 2018|

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|
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