Term Life Insurance is the best policy to get maximum death benefit at the lowest initial cost. But not all term life insurance policies are created equal! Is your term life policy a good value or just cheap? One feature to look for is a convertibility option. Convertibility is defined as: “Policy option that allows you to change your term…
It’s that time of the year! The end of July or beginning of August come annual visits from the Yellow Pages salespeople. New contracts for the Agency’s phone book advertising need signed for next year. What makes the process especially cumbersome is that Elizabethtown is serviced by 5 different directories! I cannot tell you the last time I used…
August 3rd post mentioned the hail storm that hit Maytown and Marietta PA on 5/14/10. Hail damage claims often highlight the need for an under-purchased coverage called – Siding &/or Roofing Restoration. This coverage pays to replace the undamaged siding or roof if the damaged siding or roof is no longer available. Example: Hail damaged the red…
Yesterday an insured called to report hail damage to the roof of his house. No hail ocurred in the area recently, so the agent taking the report asked when the hail damage occurred. His answer was “during the last hail storm”. Claim records show that Maytown and Marietta had severe hail damage back on 3/29/2009 and 5/14/2010. Now back to the…
You pay alot of money to buy flood insurance. Your lender should be satisfied if your limit of coverage is greater than or equal to your loan – Right? Not always. A client from Bainbridge PA had their loan papers audited by the lender. The lender determined the property to be in high-risk flood zone A. Our…
While driving to & from the office, I noticed that long-time Nationwide agent Dixie Kaley‘s office has been for sale. It appears the property may now be sold. Heard through the grapevine Dixie retired and moved to Florida. If this is true then I say – “Congratulations Dixie! and hope the weather is fine.” Her retirement means changes for her clients. Several of her clients…
Are you tired of paying more for the things you buy? If so – Erie Insurance has a deal for you! Erie Insurance introduced an exclusive car insurance feature here in Pennsylvania called “Rate Protection Endorsement”. We just call it “Rate Lock”. When “Rate Lock” is on your Erie car insurance policy your premium will not change until you do one or more of the…
Welcome. This is our test post as we begin the blogging experimentation. We hope that our posts will be entertaining and helpful to you in making insurance decisions.
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