Will Quitting Smoking Lower My Life Insurance Premiums?
Posted: October 7, 2019
There are many reasons to quit smoking, and reducing the cost of life insurance is one of them. When you kick the habit, you save money not only on the cost of cigarettes and healthcare, but on life insurance premiums as well. If you are ready to quit, talk to our friendly agent about how and when it will get you better life insurance rates....
How To Keep Your New Car's Value As Long As Possible
Posted: October 1, 2019
Buying a new car requires a substantial investment today—one you will want to protect. According to the Kelly Blue Book, new car prices are currently averaging: $20,000 for a small car $25,000 for a midsize car $26,000 for a small SUV $32,000 for a minivan $33,000 for a midsize SUV $39,000 for a small luxury car If you have recently purchased a new vehicle or...
How Many Life Insurance Policies Do I Need?
Posted: September 22, 2019
Financial planning is not always cut and dried. Changes are likely to occur in a person’s life, and financial needs and goals shift along with them. Life insurance is part of the financial picture for a good portion of our lives. It may increase as our responsibilities increase and decrease as we accumulate more assets. There may be times when it suits a person’s needs...
Understanding The Liability Portion Of Homeowners Insurance
Posted: September 16, 2019
Generally, homeowners insurance is designed to help repair or replace your home and belongings if they are damaged by certain covered perils, such as fire or theft. Most homeowners policies also provide liability coverage in case a visitor is injured on your premises, or you accidentally damage another person’s property. You may also add a personal umbrella policy – a type of insurance that provides...
Voluntary Term Life Insurance Vs. Voluntary Permanent Life Insurance
Posted: September 7, 2019
Voluntary life insurance is an optional benefit offered to employees by employers. It pays cash benefits to a beneficiary upon the death of the insured. In exchange for the employer’s guarantee of payment of these benefits, the employee pays a monthly premium. Typically, employer sponsorship makes premiums less costly than for individual life insurance policies. Types Of Voluntary Life Insurance Employers can provide two types...