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Do You Need a Disability Waiver for Your Life Insurance?

Posted by on Aug 10, 2016 in Uncategorized | Comments Off on Do You Need a Disability Waiver for Your Life Insurance?

Getting a life-insurance policy is not as simple as getting a standard policy and not needing to decide on much. There are many factors of your life-insurance policy that must be considered, one of which is the disability waiver. By understanding what it does, you can decide if you should get it for your life-insurance policy. What Does the Disability Waiver Do? When you have a life-insurance policy, you’ll need to pay the policy’s premium in order to keep your insurance. As long as you are healthy when signing up for your life-insurance policy, you will still have life insurance even after you get sick or develop a major health problem. If a new health problem makes you incapable of working to help pay off those premiums, you will not be able to keep your life-insurance policy and will lose your benefits. Getting life insurance again will end up being much more expensive now that you have a major health problem, and this may make life insurance not affordable. A disability waiver will pay your premiums for you if you are disabled with either a permanent or temporary disability. You’ll be able to maintain your current policy without fear of losing it because of a lack of employment. What Are the Differences in Disability Waivers? Not all disability waivers are created equal; different rules are defined by each insurance company. For instance, there may be a waiting period until you are considered disabled by your insurance company, so you might have to continue paying premiums until that status is reached. You may qualify to get retroactive payments for the time you were disabled and making payments, but you would need to keep up with payments until then. Why Do You Need a Disability Waiver? When you are young and healthy, your initial thoughts could be that you do not need to get the disability waiver. Unfortunately, life is full of surprises. While you are perfectly healthy now, a serious injury from an accident could cause you to lose your job. You’ll also need to consider any family health problems before turning down the disability waiver. You could be likely to develop a disease, organ problem, or other kind of health issue later on in your life. While a disability waiver will cost you money, it provides peace of mind in case you cannot pay your life-insurance premiums down the road. Consult companies such as Amberg Insurance Center Inc for information about particular life-insurance...

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3 Reasons To Carry Life Insurance

Posted by on Jul 27, 2016 in Uncategorized | Comments Off on 3 Reasons To Carry Life Insurance

Many people wonder if they should get a life insurance policy. In some instances, you might have a hefty savings account and not think it is necessary to have a life insurance policy. In most cases, however, it is best to have life insurance, even if you have ample savings. Here are some reasons why you should carry life insurance. 1. Your Money Could Get Caught In Probate After you pass away, your estate may have to go through a process called probate. Probate happens when you have a will that needs to be executed. If someone contests your estate it could take a good deal of time for your loved ones to get access to your money. The money you might have set aside to pay for funeral, health care and other expenses is now tied up in a long legal process, leaving your family in a tough situation. Life insurance is paid to the beneficiary upon your death. This means that all of your loved one has to do is show your death certificate and they get the money from the policy. This will make it easier and quicker for your family to get the money they need. 2. Life Insurance Isn’t Taxed When you pass away there is a good chance that your estate will be taxed. It is normal to have many taxes on your property and estate as it is passed to your children. Thus, you might be thinking you are leaving your family a certain amount of money, but in reality, after taxes, they don’t have nearly as much as you would have hoped. With life insurance, you know that your family will be getting the full amount. The government doesn’t tax a life insurance policy, which is why it is the best way to make sure that your family gets the money they need. 3. You Never Know How Much Money Your Family Will Need Even you though might have a hefty savings to pay for a funeral and other expenses, you never know if there will be more expenses than you planned on surrounding your death. For instance, what if you needed a lot of medical care in your final days, if you stayed longer in a rehab or nursing home than you thought you would, and a myriad of other things. It is good to have a life insurance policy to help cover these unforeseen expenses that could eat up your savings. For more information or to set up a life insurance policy, contact an agent at Sunset Insurance...

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Filing A Worker’s Compensation Claim? Watch What You Do

Posted by on Jul 11, 2016 in Uncategorized | Comments Off on Filing A Worker’s Compensation Claim? Watch What You Do

Many worker’s compensation insurance companies hire private investigators to verify if your claim is valid. During the claims process, it is important to take steps to avoid your claim being thrown out.  Know Your Diagnosis The first thing you need to do is make sure that you know what your diagnosis says word for word. Read over the diagnose that the doctor provided you and that you provided your insurance company. Make sure that you read and memorize everything that your doctor advised you not to do. Make sure that your doctor clearly writes out and explains to you what activities you should be avoiding due to your diagnosis. Make sure that you understand exactly what they mean so you don’t void your worker’s compensation claim or further injure yourself. For example, if you are not to lift anything at all, that includes everyday tasks like taking out the trash or carrying in the groceries. If you can’t lift anything at all, enlist your family and friends to help you with those tasks.  Ask your doctor to provide you with examples of everyday activities that you should avoid, so you don’t inadvertently do something that your disability should limit you from doing. Be Careful Outside Of Your House The second thing you need to do is be careful when you are outside of your home. Many insurance companies hire private investigators to verify a claimant’s disability.  If the private investigators capture evidence that you are performing an activity your disability shouldn’t allow you to do, they can throw out your claim. That is why it is so important to know what your exact physical limitations are and to not exceed them.  Be Careful About How You Represent Yourself Online The third thing you need to do is be careful about how you represent yourself online. Many insurance companies nowadays do not only monitor what you do in public, but they also monitor how you represent yourself online. Be careful about posting anything online while going through a worker’s compensation claim process. Even an innocent post of you next to a bed of flowers with the hashtag gardening next it to could put your claim in jeopardy if the insurance company interprets your post to mean that your are up to the physical task of gardening. You may just have been posing next to the flowers, but images can easily be misconstrued online.   Make sure that you know what your medical diagnose says you can and cannot do, and make sure that you follow it exactly as it is written. If you have any questions about things you can or cannot do or post online, discuss these concerns with your worker’s compensation...

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4 Tips For Saving Money On Home Insurance

Posted by on May 24, 2016 in Uncategorized | Comments Off on 4 Tips For Saving Money On Home Insurance

When it comes to being a homeowner, there are many things you will need to do. Of course, you will need to work to ensure your property is well maintained on a routine basis. However, it’s also critical for your financial well-being and peace of mind to obtain home insurance on your property. This can be an expensive cost to you, and it’s ideal to be aware of specific tips that will encourage long-term savings for you on a regular basis. Tip#1: Increase your deductible One of the best things you can do that will immediately lower the price of your insurance is to raise your deductible. This is the amount that you must pay before any claims being paid to you by your insurer. Keep in mind that you will need to have this amount on hand in the event of damage to your property. However, the higher you raise your deductible, the greater your savings will be. Tip#2: Get combined coverage You most likely have an automobile that will need to be insured. Be sure to get your insurance for your cars at the same insurance company to allow for higher savings. Studies indicate that you may be able to save as much as 15% by combining your home and auto coverage needs together. This is sure to be the motivation you need to do so, and you will only need to make one payment monthly for your insurance, as well. Tip #3: Pay your bill annually You may be tempted to opt for the monthly installment plan, but did you know this will end up costing you more in the long-term? Insurance companies will bill you extra each month for choosing this payment option because of the additional paperwork that must be done in the office. It’s possible to save a few dollars each month by simply paying your home insurance bill annually.  Tip #4: Install a security system One of the best ways to protect your investment is by installing a security system in your home. This will additionally reduce the cost of your coverage in the process. Keeping your home insured will allow you to feel confident at all times that you will be protected. Being able to reduce the amount to do so lies in your hands. Be sure to consult with your insurance agent to provide additional ways for you to save money on coverage today. To find out more, speak with a business like Reinhardt’s Insurance...

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Auto Insurance Tips For Seniors

Posted by on May 11, 2016 in Uncategorized | Comments Off on Auto Insurance Tips For Seniors

Are you nearing or at retirement age and are trying to save money whenever and wherever you can? Are you currently looking for ways to save money on your vehicle, so you can spend your money on other things? For many people, car insurance can be one of their biggest expenses. If you want ways to cut back on your insurance premiums, without completely getting rid of your vehicle, here are some ideas: Take a defensive driving course: Some auto insurance companies raise rates on their older customers as a matter of course. They may think that your reflexes are no longer what they used to be or that you have half forgotten certain rules of the road. Successfully completing a defensive driving course can prove to your insurance company that your driving skills are just as good as they ever were. Even if you already know what to do in case of an accident or how to prevent accidents, these courses will show your insurance company that you still know these things. When asking about how much of a discount you might get for completing such a course, you may want to inquire as to whether or not completing the same course every few years will keep your premiums from rising excessively. Ask for senior discount: In contrast to the companies that raise rates on older drivers, other auto insurance companies will offer a discount if you’re of a certain age. However, you will have to ask your insurance representative if they offer such a discount because they’re not always given out automatically. Only by asking for the discount will you actually receive it.  Get a different vehicle: If you or your spouse had a “mid-life crisis” that resulted in the purchase of a hot rod or fancy sports car, now is the time to trade it in. An auto insurance company will offer lower premiums for vehicles that they consider to be safer or that get stolen less frequently. While it may hurt to trade in a beloved vehicle, the reduction in your insurance rates may help to soothe some of the pain. Ask about mileage discounts: While many retired people may vacation once or twice a year, they may not drive their vehicle as much as somebody who still works every day. If you usually only drive once or twice a week to go on errands or to various appointments, you may qualify for a low mileage discount from your auto insurance company.  For more information, contact companies like ESI Insurance...

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Why You Should Be Wary Of Dirt-Cheap Auto Insurance Quotes

Posted by on Apr 9, 2016 in Uncategorized | Comments Off on Why You Should Be Wary Of Dirt-Cheap Auto Insurance Quotes

Every motorist is on the hunt for cheap auto insurance coverage. However, you shouldn’t jump at the first dirt-cheap quote you find, because it might be fraught with dangers. For example, you may buy an ultra-cheap coverage only to find out that: The Agent Selling the Quote Is a Fraud Some insurance agents appear to offer super-low premiums while in real sense defrauding their clients of their hard-earned cash. Such fraudulent agents may use names and papers of real insurance companies, but don’t sell real coverage. Insurance agent fraud comes in various forms, such as these two: Fake policies – Some agents create fake policies and bundle them with bonuses and incentives to make them appear cheap. The agent then collects your money and lets the policy lapse before you can file a claim. Skimming – Some agents will sell you real policies and collect your money, but end up not remitting your money to the insurance company. New customers are targeted by this fraud because they aren’t likely to file claims soon after buying coverage. Therefore, the fraud may continue for a while before it is unearthed. The Federal Bureau of Investigation (FBI) outlines these measures for preventing insurance agent fraud: Know your agent by confirming their licenses and asking for references. Always get receipts for all payments you make. Get a copy of your policy and scrutinize it to confirm you are getting what was promised. Don’t let the agent pressure you into buying coverage; take your time while shopping for insurance. Confirm your coverage with the actual insurance company. The Rates Are Based On Incomplete Data Another danger of ultra-cheap auto insurance quote is that it may be based on incomplete data. As you know, insurers use different parameters for calculating premiums. If one or more of the parameters is off, then the insurer may assign you a different level of risk than it would if it factored in all the relevant data. This may result in you paying lower-than-normal premiums.   This may happen, for example, if you forget to mention some accidents on your driving history. When your insurer learns about the omission, it may recalculate your rates or cancel your policy if it deems you too risky to insure. The Low Rates Do Not Provide Adequate Coverage Finally, you should be wary of ultra-cheap rates if they don’t provide you with adequate coverage. Auto insurance pays for various damages and injuries in case of an accident. However, the covered damages, injuries or accidents vary by policy. Coverage that excludes many accidents or damages may be cheap, but it will not help you much when you experience the excluded incidences. Therefore, be keen while shopping for low auto insurance premiums. Ensure that the low rates are genuine and won’t come to haunt you when an accident...

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Live In An Area With Lots Of Snow? 5 Ways To Improve Your Driving Habits

Posted by on Apr 9, 2016 in Uncategorized | Comments Off on Live In An Area With Lots Of Snow? 5 Ways To Improve Your Driving Habits

It’s no surprise that your auto insurance rates have a lot to do with your driving habits–making it important to focus on ways to improve your driving, especially when you live in an area that receives a lot of snow each winter. Since snow can come with a lot of hazards for drivers, you’ll benefit by making some changes specifically for this chilly season. Stick to Freshly Plowed Roads When picking the route to your destination, you likely consider only the number of miles and the time it will take to get where you need to be. While this is a good method for saving time during most of the year, it can actually be quite dangerous during the winter. A better method to stick with when driving around town is planning your route based on which roads are plowed most frequently. This way, you don’t need to worry about snow being an obstacle or causing potential hazards while driving. Adjust Your Driving Speed With more than 116,000 Americans injured while driving on snowy pavement during the winter, you can make a big difference just by slowing down. Many people make the mistake of driving the same speed that they normally do, leading to the car slipping when driving over ice or slush.  Fit Errands into a Single Trip Since it is dangerous to drive when is a lot of still on the ground compared to when the road conditions are good, it’s best to limit how often you’re on the road. An easy way to do this is by simply running all of your errands into a single trip. While this can take some planning, it can be much safer for you, along with even saving gas and time. Avoid Using Cruise Control While you may be accustomed to using the cruise control setting on your car when driving the same speed for an extended period, it should be avoided altogether when there’s snow or ice on the ground. The reason for this is due to changes in the pavement, since it’s possible that your car could slip and need better control. Stay Off the Road During Heavy Snow Even though it is generally safe to drive during most of winter, the roads should be avoided altogether when there’s a lot of snow on the ground. The reason for this is due to likeliness of the roads not be freshly plowed or the snow could be falling down too much and could affect your visibility. With the above driving tips in mind for winter, you can enjoy a much better rate for your auto insurance due to safer driving. Contact a company like Beriswill Insurance for more...

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3 Home Insurance Tips For First-Time Home Buyers

Posted by on Mar 30, 2016 in Uncategorized | Comments Off on 3 Home Insurance Tips For First-Time Home Buyers

When it comes to purchasing a home, it can be one of the most exciting and overwhelming times of your life. You can often get so caught up in looking for the perfect home and securing a mortgage with a decent interest rate that you forget that you are going to need home insurance. In fact, you will likely need it before you can even close on your new home, and it should be a cost that is factored into your monthly budget. It is important to know that all insurance companies and policies are not created equally. Here are a few tips that will help you save money while ensuring that you choose a quality policy to protect one of your largest-ever investments that you’ll make in your lifetime: 1. Build Your Credit Most people know that their credit score is a very important number when it comes to a favorable interest rate, but what a lot of people are not aware of is the fact that it is also an important factor in determining what you’ll pay for your homeowner’s insurance. Insurers use your credit score as one of the several factors in determining your overall risk as a policyholder. The better the credit you have, the less likely you are to file an insurance claim – or so the insurance company thinks. So, make sure to get your free annual credit report, report any errors and ensure you are making your monthly payments on time. 2. Comparison Shop Don’t assume that you have to get a quote from one insurance carrier and than actually pay for that policy. You are allowed to shop around, and it is actually encouraged. In fact, you may find that this is to your benefit. Try to get quotes from at least three different insurance companies so that you can compare the policies. Each carrier uses a different algorithm to determine premiums. For example, you may find that one company can offer you X amount of coverage for $100 while another company can offer you twice as much coverage for $75. 3. Consider Bundling Your Policies If you have auto insurance, you may want to consider purchasing your home insurance from the same company and bundling the policies together. If they don’t offer both types of insurance, you may want to consider finding a company that does, as you can usually save a significant amount on your yearly premium. Anything that you own that requires insurance – a boat, motorcycle, ATV, etc. – can be bundled into one policy with your home to save you money, so make sure to ask about...

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What Is A Business Owners’ Policy?

Posted by on Mar 14, 2016 in Uncategorized | Comments Off on What Is A Business Owners’ Policy?

If you own a business, regardless of its type and size, you need to have business insurance. Since it can be difficult to choose different individual policies, you might be better off going with a package policy. A business owners’ policy (BOP) is a type of insurance policy that combines multiple types of policies into one policy to make it easier for you. Here are some things to know about this type of business insurance policy. All BOPs Come With General Liability One thing you should know about a business owners’ policy is that it will automatically come with a general liability policy. This is the basic policy, after which you choose the other areas of coverage. General liability includes coverage for incidents regarding accidents that occur on your business property or with products you sell. If a customer slips and falls on your property, general liability helps to cover the legal and medical costs. It also includes product liability, so if you sell a product that makes a customer ill or injures them, it covers those legal costs as well. This is a Custom Policy An excellent reason to choose a BOP is that it is a completely customizable policy. This is a package policy that lets you choose all of the policies to be included in it, aside from general liability. You can consider your biggest risks and choose those areas of coverage. For example, you might have an antique store with a lot of valuable furniture, making fire coverage essential due to all the wood items in your store. You might be a business in an area where extreme weather or natural disasters are common, so you want to have coverage for natural disasters, such as with property insurance. Consider your top risks when choosing what policies you want to include. You Can Get Protection From Various Crimes A type of coverage many business owners don’t realize come with the policy is with different types of crimes. Regardless of the type of business you have, you are most likely vulnerable to crimes. If you have a retail store where you sell products, you are at risk of burglaries, theft from employees, and shoplifting. There are crime insurance policies for thefts, vandalism, and employee-related crimes. For an Internet business or any business with a website, you should also have protection from cyber-related crimes, which can also be included in a crime policy within the BOP package policy. For more information, go to websites...

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4 Tips To Protect Against Moisture Problems In Basements Of Older Homes

Posted by on Mar 1, 2016 in Uncategorized | Comments Off on 4 Tips To Protect Against Moisture Problems In Basements Of Older Homes

The basement of an older home can be a great place to add space to your house. You may want to consider doing improvements to keep water out before you do any finishing in your basement, and you may want to do some improvements to prevent water damage and protect your investment. If you want to protect your basement form water problems in an older home, here are some tips to help: 1. Talk With An Insurance Agent About Addition Flood Insurance For Your Home There are many things that you may want to do to prevent problems with water in a basement, but sometimes it is just not enough. Unexpected water issues can cause damage to your home that your insurance policy may not cover. You may want to look at your insurance and contact a flood insurance company if your policy does not cover water damage. 2. Do Exterior Drainage Improvements That Help Keep The Water Out Of The Basement Keeping the water away from your home in the first place can do a lot to prevent water problems in your basement. This can be done with grading improvements that help drainage and keep water away from your foundation. You may also want to consider adding improvements, such as drain pipes for gutter downspouts to improve watershed around your home. 3. Use Water Resistant Materials To Do The Finishing In Your Basement And Reduce Problems When it comes time to finish your basement, you will also want to consider the materials you use in this area of your home. Using the right materials can help to keep the costs of extra insurance coverage down. You may want to use materials like vinyl, stone and other water-resistant products that will not be damaged in a flood. 4. Add Interior Waterproofing And Drainage To Deal With Moisture Problems In The Basement In addition to using the right materials, you will also want to have systems to deal with any water that gets in your home. This can be things like waterproofing on foundation walls, as well as interior drainage systems. You may also want to have the sump pump and well looked at to ensure that it can handle drainage and any extra water that gets into your home. These are some tips that will help protect your basement from water damage. Even if you do everything possible to keep water out, problems can come. To ensure that you are protected, contact a flood insurance service like Heritage Insurance Agency to protect your home from water damage with a good insurance...

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