December 4, 2023
AgencySteps For Developing A Small Business Disaster Recovery Plan
Businesses that are forced to close down following a disaster run the risk of never being able to open their doors again. While there’s no way to lower the risk of a natural disaster like a hurricane, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A […]
November 27, 2023
AgencyTips For Finding A Lost Life Insurance Policy
When a loved one passes away, locating a life insurance policy can be a challenging but necessary task. There are some steps you can take to get the information you need. Here are a few tips to guide your search. Search the deceased’s documents and correspondence. In many cases, evidence of policy and any relevant […]
November 20, 2023
AgencySteps To Reduce Your Vulnerability To Theft
Businesses of all sizes face potential losses due to criminal activity. Depending on the nature, size and location of your business, your company may be vulnerable to various types of crime—from burglary to employee theft to fraud. In addition to purchasing specialized crime (or “fidelity”) insurance, you will want to consider taking steps that prevent […]
November 13, 2023
AgencyShould You Buy Travel Insurance?
How to protect your vacation—and yourself—from unplanned disaster When do I need travel insurance? A vacation travel break can be revitalizing and can open you up to new experiences. It can also be expensive—and just because you’re off from work doesn’t mean the universe cooperates. A whole variety of unforeseen circumstances can squash travel plans […]
November 6, 2023
AgencyWill I Need Long-Term Care?
If you’re under 55, it’s unlikely. Even over 55, only a small percentage of the population will need long-term care before they are in their 70s or 80s. However, according to research published in the journal Inquiry by Kemper, Komisar, and Alecxih, most people who turn 65 in 2005 will, in their lifetime, need some level of […]
October 30, 2023
AgencyWhat Is A Beneficiary?
A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you’ve set up A charity Your estate If you don’t name a beneficiary, the death benefit will be paid to your estate. […]
October 23, 2023
AgencySettling Insurance Claims After A Disaster
What you need to know about how to file a claim how the claim process works what’s covered and what’s not First steps Contact your agent or company immediately. Find out: Whether the damage is covered under the terms of your policy how long you have to file a claim whether your claim exceeds your […]
October 16, 2023
AgencyWhat is burial insurance?
“Burial insurance” usually refers to a whole life insurance policy with a death benefit of from $5,000 to $25,000. As its nickname implies, people buy this type of policy to provide money for funeral and burial costs for themselves and/or family members. It is possible to buy a policy after answering a few health-related questions […]
October 9, 2023
AgencyHow Much Life Insurance Do I Need?
In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals. If you have dependents, buy enough life insurance so that, when combined […]
October 2, 2023
AgencyWhich Disasters Are Covered By Homeowners Insurance?
Here’s a handy guide to coverage by policy type—and what’s not typically covered Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what’s generally covered by […]