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Review Your Policy After These Major Life Changes

Posted: September 22, 2022

If you have life insurance, you are in good shape. However, when major life changes occur, it is time to review your policy and update it to suit your new situation. When to Review Your Life Insurance? Several life events will significantly change your life insurance needs. These include: Getting married: Once you are married, your lives are merged into one, sharing finances and personal...

Home Maintenance Checklist: Step by Step Guide to Prepare Your Home for the Fall

Posted: September 16, 2022

Your home is likely one of your most valuable assets and keeping it in good condition matters. Before the rainy, colder fall weather rolls in, taking certain steps to prepare your home can protect your home from sustaining damage during the fall and winter months. Clear out Gutters Spend a few hours clearing any debris out of home gutters and downspouts. Check the brackets holding...

How to Determine the Right Amount of Coverage Needed

Posted: September 7, 2022

Life insurance – everyone needs it, but how much coverage do you need? Every individual has a unique situation and choosing the amount of coverage requires calculating specific factors. These include the financial obligations that would be left should you suddenly pass away, including: Income replacement: Your loved ones can be left in a dangerous financial condition without the income you bring to the family....

How Should I Budget for Business Insurance?

Posted: September 4, 2022

Your business insurance should cover every possible risk for your operation. It may surprise you that as a basic calculation, the entire range of business insurances, including commercial liability, commercial property insurance, health insurance for employees, workers’ compensation, and other insurances should be budgeted at about 20 to 30 percent of expected gross sales. Smaller businesses can expect to budget far less. Every industry, and...

How A Traffic Ticket Can Affect Your Life Insurance

Posted: August 22, 2022

No one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if you are applying for a new policy or additional coverage,...