Is your home protected?
Do I really need insurance for my home?
Insurance is your protection against the uncertainties of day-to-day living. For most people, their home is their single most valuable possession - and their biggest investment. Homeowners insurance protects your investment as well as you, the members of your family and your household possessions.
Yet another reason you need to carry homeowners insurance is that mortgage lenders require it. No mortgage company will lend the large amounts of money needed to finance homes at today's prices without requiring an insurance policy to protect that investment.
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What Is Business Insurance & What It Covers?
Liability:The best small business insurance protection against liability is a commercial general liability policy or commercial umbrella liability. This type of insurance will cover your business in the event that a customer gets injured on your premises or someone gets injured due to a defective product.
Property Insurance: You need insurance in the event of fire, theft, flood or other natural disasters. Even if you work from your home, you can buy small business property insurance to protect the equipment used in your business.
Worker's Compensation Insurance: Worker's compensation insurance covers your employees if they are injured on the job. This insurance is necessary if your business has employees. Each state has different laws regarding worker's compensation and you or your small business insurance agent will need to check the laws for your state to see if it is required.
Business Disability insurance: You want protection in the event that you are unable to work because of illness or disability. Business disability insurance also offers protection in the event one of your employees becomes disabled.
Become a Smarter Insurance Shopper
Think all insurance is the same? Think again. Cheaper now isn't always better later-not when one uninsured loss could wipe out everything you're working to build. See how to get the most value for your insurance dollar. Most of the time we go after the cheapest insurance premiums. It is savings that we always look for, but are you getting enough insurance protection for your money? By cutting corners you are not getting that valuable protection that you desire. Let us shop for you and get the best possible insurance protection for less money. You'll be surprized and you will save money at the same time without cutting corners on that valuable protection!
LET’S TALK ABOUT LIFE INSURANCE Who Should Consider Life Insurance? Young couples with or without families who need to replace lost income upon a spouse's death Anyone with a growing family Anyone who needs short-term death benefit protection and has temporary financial obligations, such as mortgage payments, car payments, or short-term debts Wealthy individuals who want to help preserve their estates for future generations Business owners who want to help ensure the continuation of their business
How Can Life Insurance Be Used?
The death benefit proceeds of a life insurance policy can be an effective way to meet many planning needs: Estate Planning – Proceeds from life insurance provide immediate cash for paying estate taxes without depleting the estate itself
Business Planning – Should you lose a key employee or business partner to death, life insurance can provide the resources you'll need to re-group or re-build after the loss.
Types of Life Insurance
Life insurance can be categorized into two types -- permanent insurance and term insurance.
¹The death benefit may be included in your estate for federal estate tax purposes.²Assuming a policy is not a Modified Endowment Contract (MEC), access to policy account value through loans is free from current federal taxation and withdrawals are taxed only to the extent that they exceed the policyowner’s basis in the policy. Distributions from MECs are subject to federal income tax to the extent of gain in the policy. Taxable distributions are subject to a 10% additional tax, with certain exceptions.
Loans and withdrawals from a permanent life insurance policy will reduce the policy’s account value and death benefit. There may be penalties and fees associated with the use of loans and withdrawals. Depending upon the performance of a VUL policy’s investment choices, the account value available for loans and withdrawals may be worth more or less than the original amount invested in the policy. Guarantees are based on the claims-paying ability of the issuing company.
Variable universal life insurance products are subject to investment risk, including possible loss of the principal amount invested.
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Please note: No changes could be applied to your policy unless it is submitted in writing. Thank you