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 […]
September 25, 2023
AgencyDisaster Planning For Older Adults
A preparedness guide for seniors and caretakers As a senior citizen or caretaker of an older person, preparing for and protecting against a fire, flood, hurricane or other disaster can be a special challenge. Many seniors live alone and may have special needs or limited physical mobility, which makes them more vulnerable than younger […]
September 18, 2023
AgencyFive Steps To Preparing An Effective Evacuation Plan
Disaster readiness will help keep you and your family safe and secure In the event of a sudden, catastrophic event, you may have just minutes to gather your family and get out of your house—possibly for good. What would you take? Where would you go? Planning ahead for the worst can help minimize the impact […]
September 11, 2023
AgencyFrequently Asked Questions About FEMA Disaster Assistance
Learn about critical federal help after a disaster When a major, federally declared disaster occurs, the Federal Emergency Management Agency (FEMA) offers assistance to individuals who’ve sustained damages. If you’re the victim of a qualified disaster, here are some FAQs—and answers—about getting FEMA help. Qualifying for FEMA assistance Q. How can I tell if my […]
August 28, 2023
AgencyIncluding Your Pets In Evacuation And Disaster Planning
How to keep your furry or feathery family member safe in an emergency To keep your family safe in a potential disaster, it’s essential to have an evacuation plan—and that plan should include your pet. Since most public shelters exclude pets, keep your beloved animal safe and unharmed with this advice. Find a safe place […]
August 21, 2023
AgencyHow To Find The Right Auto Insurance
What to look for when you’re shopping for coverage Once you have a clear picture of how you use your car and your priorities, you’re ready to shop for insurance. Generally, it’s a good idea to compare policies from at least three different insurers. You’ll want to consider fundamental factors such as coverage and price, but it’s […]