When storms come, we all know to take shelter. What happens, though, if that shelter becomes unsafe? Here’s everything you need to know about protecting your home from the rare – but possible – occurrence of a lightning strike, and what to do if it happens to you. How lightning enters homes Lightning may enter […]
Author Archives: admin
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There are always people who will prey on the vulnerable, and natural disasters are no exception. Here are some tips on how to avoid being taken advantage of by storm fraud and contractors in the aftermath of it: Choose reputable contractors. Opportunists may show up at your doorstep unannounced (red flag). It’s important to be cautious […]
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Why are my insurance premiums going up? There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall […]
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Jul
Storms are called natural disasters for a reason. If you’ve experienced a catastrophic event, you know how stressful recovery can be, both physically and financially. Let us be a resource for you as you figure out your next steps. If Your Home is Damaged . . . Take pictures of as much damage as you […]
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Finding ways to cut costs and save money is important – we get it. Saving people money is actually our job! One way you shouldn’t try to lower expenses, however, is by sacrificing insurance coverage that you really need. Long-term disability is one of the often-overlooked types of policies that you can’t afford to go […]
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Disability insurance isn’t for people who work in an office . . . right? The statistics say otherwise. It’s not on-the-job accidents that cause the majority of disabilities that prevent people from being able to work – it’s illness! Your emergency fund should be able to cover three months of expenses – but what if […]
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Jul
Home title fraud occurs when a criminal scours electronic records to find a home that has accrued equity. The thief then forges the homeowner’s signature onto a fraudulent bill of sale and transfers legal ownership of the house to themselves. Once the home is in their name, they typically take out home equity loans and […]
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Jul
The Internet can be an educational tool, source of entertainment, and method of communication. However, there are a number of risks associated with the Internet as well, so it’s important that we educate our kids about how to be a safe consumer of technology. Here are a few tips for when and how to have […]
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Life insurance payouts are generally not taxable, as long as certain rules are followed. However, there are exceptions. If a business owns the policy and incorrectly deducts the premiums as a business expense, the death benefit could be taxed. Similarly, if the policy owner, insured, and beneficiary are three different people, the IRS may classify […]
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The life insurance plans we offer come with a guaranteed level premium, meaning your rate will stay the same for the entire term you choose—whether that’s 10, 15, 20, or 30 years—as long as you continue making payments. Once your policy is in place, the insurance company cannot increase your rate or alter the terms, […]
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