Buying a condo? When you've found the perfect home, we're here to help you find the right coverage for your new place. Give me a call to get started.
I’m proud to announce that the American Cancer Society was awarded a $5,000.00 Allstate Helping Hands Grant for the 5th time. My volunteer efforts enabled me to support their organization’s efforts to help create a thriving community. Together, we help people realize their hopes and dreams.
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Do you know what to do when an emergency vehicle approaches on the road? .https://agents.allstate.com/alan-turken-middletown-ny.html
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Tips For Driving Around Emergency Vehicles | Allstate
Deductibles, limits, premiums … these are some basic insurance terms you should understand. https://agents.allstate.com/alan-turken-middletown-ny.html
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Insurance Premiums, Limits and Deductibles Defined | Allstate
Help pass down a bright financial future to your loved ones. Call me to find out how Allstate life insurance can help.
I’m proud to announce that the YMCA OF Middletown, N.Y. was awarded a $5,000.00 Allstate Helping Hands Grant for the 5th time. My volunteer efforts enabled me to support their organization’s efforts to help create a thriving community. Together, we help people realize their hopes and dreams.
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This was last years Photo
This past Saturday Oct 17th we held a very successful coat drive. Wallkill East Rotarians are still collecting coats as you can see from the flyer. Rotarians in action helping others by providing "Service above Self"
Your world can change in an instant. Make sure your family is protected from life’s uncertainties with Allstate life insurance. Give me a call today.
As you look toward 2021 and beyond, now is a great time to review your finances to make sure you're on track to reach your goals. For a complimentary financial review, call me today.
Ever wondered what makes premium gas different?
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What’s the Difference Between Unleaded and Premium Gas? | Allstate
Did you know that life insurance can cover things beyond final expenses? I like to think of it as a financial safety net that can provide income, inheritance and more.
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5 Uses for Life Insurance Benefits | Allstate
We want to wish a very Happy Birthday to all of our friends born in November! From all of us at our agency, we are wishing you a wonderful year ahead!
Check out these tips to help get your home ready for winter.
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Home Maintenance Tasks to Do Before Winter | Allstate
Thanksgiving is the perfect time to talk turkey about life insurance. Let's find the right plan that will fit your family and your budget. Call me today.
THU, NOV 19 AND 11 MORE
Virtual Turkey Trot 5K
Alan Turken's Agency is Fantastic! I always recommend him & the agency. I don't want to deal with a #-### # or have to go on-line for help. Dealing with my agent is the BEST!
Tom K
In the photo L to R are Bill Bassett Wallkill East Rotarian, Anna Stampone Student Support Counselor at Monhagen Middle School and Sean Thornell Guidance Counselor at Monhagen Middle School
Rotarian Bassett is presenting to Anna and Sean an envelope with resources for a needy family in the Monhagen Middle School. The resources are provided by the Adopt A family fund which is sponsored by the Wallkill East Rotary Club. The Adopt-A-Family Fund, is a community response initiative to support families hit hard by COVID-19. Since its creation, almost $50,000 has been distributed from the fund to help families pay their utility bills, pay medical bills, purchase grocery gift cards, purchase gas cards, and more. https://www.facebook.com/WallkillEastRotary
Most Homeowners insurance companies will simply send out a reminder for a renewal of your home insurance policy when the end of the year is up for your insurance coverage. Many will also automatically renew your policy unless you call and let them know that you want to change or cancel that policy. This makes it easy for many homeowners to simply begin sending in the next set of payments for another year without reviewing the policy to make sure it adequately reflects their needs for the year.
Whether you have upgraded or remodeled the home, added a deck onto the back, turned the home into a rental property or realized that you may have problems with flooding in your area, there are several reasons to review your home insurance policy every year to assess whether the coverage still meets your needs.
Even if you have just begun a new home insurance coverage policy, it is important to review the policy as soon as you receive it to make sure the policy has the correct coverage amounts and coverage needs you have asked for. Remember that this policy will be in place for an entire year and will most likely cost between $300-$2000 so be sure that you are getting what you want.
If you asked for personal liability of others in the amount of $100,000 and the policy only shows $50,000 don’t be afraid to call the insurance agent back to have this problem corrected. The problem can simply be solved by issuing a new policy or a policy change.
Once the year time period has expired on your current policy and you are getting ready to renew again, it is always a safe bet to call the insurance agent and ask if the replacement cost value has gone up on your home or on anything in your home.
Remember that the financial market continues to increase and with this rates of building and replacement tools will go up, so there is no shame in calling to ask if the figures on your policy need to be changed.
If you have done any renovation of the home in the last year, such as replacing countertops or flooring, or even adding on a deck, it is important to inform the insurance company of these changes. This protects you from being underinsured in case of damage or loss.
If you have acquired any major purchases of personal property, it is also important to contact the insurance company about changing the coverage amount on your interior belongings. This could include major electronics equipment like an LCD television, a personal computer or laptop, an expensive piece of jewelry or fur coat, or even new furniture or a new piece of artwork.
It is also important to review your insurance coverage policy every year to determine if you have adequate peril coverage and liability insurance. Although some basic plans cover certain types of natural disaster and others cover personal liability, you may want to consider adding on specific insurance clauses for flooding, hurricanes, or tornados if you live in a high risk area.
If you started a plan out with little or no hurricane insurance but realized that the previous year brought major hurricanes to your area, then you may want to reconsider the amount of coverage. As well, some policies do not require homeowners to have personal liability insurance but this is a good idea if you are planning on having others in your home quite often.
This could include construction workers who are remodeling a kitchen or bathroom or even a babysitter or housekeeper. You will also want to change your policy if your children are starting to get older and invite over friends to play in the yard or to spend the night. Personal liability insurance will cover any accidents that happen while others are in your home.
One final reason to review your insurance policy each year is to assess discounts or possible price quote deductions that you may be able to receive. When you purchased the home it may not have had a security system installed, fire sprinklers or been equipped with up to date smoke and carbon monoxide detectors.
But if you have installed this equipment over the past year, it is a good idea to call and inform the insurance company to see if you this makes you eligible for a discount. You may also be able to receive a discount if you started receiving car insurance from the same company, turned a certain age, or began a membership to a certain club or organization that the insurance company recognizes and gives discounts to on a regular basis.
I am proud to announce that I received the Agency Helping Hands in the Community Award for my commitment to helping others. This award earned, The Hudson Valley Boy Scout Council, a $3,000 grant from The Allstate Foundation
This picture was from a few Years ago.
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And yesterday we delivered more masks to 12th Rock as part of the #millionmaskchallenge ! Rotarians Kim, Greg (also a co-founder of 12th Rock) and Peg are pictured here making the donation. #werotary #serviceaboveself
Rotarians going above and beyond by providing
"Service above Self"
https://www.facebook.com/WallkillEastRotary
Insurance is designed to protect a person and the family from disasters and financial burdens. There are many kinds of insurance of which, the basic and most important is considered to be life insurance. It provides for the dependants after your death.
Since there are certain financial commitments you need to meet throughout life and do contribute in some way to the family income, you need to provide something even in death—to secure the home, help the family meet expenses for a while, protect dependant parents, or secure the children or spouse.
Financial obligations could include funeral expenses, unsettled medical bills, mortgages, business commitments, meeting the college expenses of the children, and so on.
How much insurance a person needs would vary, depending on lifestyle, financial needs and sources of income, debts, and the number of dependants? An insurance adviser or agent would recommend that you take insurance that amounts to five to ten times your annual income. It is best to sit down with an expert and go through the reasons why you should consider insurance and what kind of insurance planning would benefit you.
As an important part of your financial plan insurance provides peace of mind for any uncertainties in life.
1. Life insurance correctly planned will on premature death provide funds to deal with monies due, mortgages, and living expenses. It offers protection to the family you leave behind and serves as a cash resource.
2. It secures your hard earned estate on death by providing tax free cash which can be utilized to pay estate and death duties and to tide over business and personal expenses.
3. Life insurance can have a savings or pension component that provides for you during retirement.
4. Some policies have riders like coverage of critical illness or term insurance for the children or spouse. There are certain rules regarding eligibility for riders which you will need to determine clearly.
5. Having a valid insurance policy is considered as financial assets which improves your credit rating when you need health insurance or a home loan or business loan.
6. In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors.
7. Life insurance can be planned such that it will cover even your funeral expenses.
8. Term life insurance provides coverage for a fixed period at an affordable price.
9. Insurance protects your business from financial loss or any liabilities in case a business partner dies.
10. It can contribute towards maintaining a family’s life style when one contributing partner suddenly dies.
Insurance is vital to good financial planning and security but you would need to assess your personal risk and long term commitments.
Did you know that life insurance can cover things beyond final expenses? I like to think of it as a financial safety net that can provide income, inheritance and more. Give me a call 1-800-342-8755.
