To estimate the amount of life insurance that you may need, the following factors need to be considered: any existing debt, the expected future income of the insured, and the expected future spending.
The type of vehicle you drive affects how much you pay in auto insurance. Newer cars are more expensive to insure because they are considered to be more attractive to car thieves than older cars.
The amount of life insurance you need depends entirely on what you want to leave to your family and what bills you anticipate you would have after death.
Once you turn twenty-five, you should be able to qualify for a reduction in your auto insurance rate, so let your agent know when this important date arrives. Also, married people have lower premiums than those who are single, so notify us after you speak your “I do’s.”
Expect life insurers to ask about your lifestyle as well as your health. People with dangerous hobbies, such as skydiving, for example, will pay more for life insurance because of the increased risk associated with the hobby.
Collision coverage provides insurance against physical damage to your vehicle in a crash. This includes coverage if you are at-fault for hitting a vehicle or an object.
You can name anyone as a beneficiary on your life insurance, even a trust or a charity. Usually it is recommended to list several beneficiaries in case you outlive one.
Every business has unique demands on their vehicles, even from other businesses in the same industry. When you work with a commercial insurance expert, they’ll help you to find the coverage that fits your business and how you use your vehicle.
If you're a smoker, you're going to pay more for life insurance. The good news is that many companies have a number of categories for smokers. So a policy premium for a light smoker will not cost as much for one who smokes more frequently.
Car insurance is part of a long history of the industry, beginning with maritime trade. As far back as 3000 b.c.e., Chinese merchants were taking steps to mitigate loss of cargo during shipping, and the Code of Hammurabi in Babylon refers to a type of shipping insurance.
Policies can be updated or adapted at any time depending on changing life circumstances. If you have more children, you may want to increase the amount of a policy.
Are you concerned that your existing car insurance may not provide the coverage you need now that your life situation has changed? Life events like getting married or having a baby are the perfect times to review your auto insurance coverage with your agent.
Policies can be customized with riders to help cover things like minor children, percentage allocation of the policy and who is paid what portion at what time.
The motorcycles most likely to be stolen and least likely are Honda and Harley-Davidson, respectively. And speaking of Harleys, the first one built (1903) had a tomato soup can for a carburetor.
We can answer all of your questions about life insurance, including the pros and cons of term and permanent insurance. Permanent insurance builds cash value at the same time the policy guarantees that a face amount will be paid off.
Contrary to popular belief, painting your car or truck red will not skyrocket your auto insurance premiums. It’s not a matter of what the car looks like on the outside that counts, it’s about how the person drives while inside it.
Purchase life insurance from a reputable, trusted company and don't be afraid to ask questions to make sure the policy is exactly what you're looking for.
Every year, automobiles become safer, with the newest models being the safest that they have ever been. Everything from the bumpers, to the windshield, to the trunk are all designed to keep passengers safe in the event of an accident. However, if other safety options are available, add them – you can never be too safe.
When your family is operating on an already-tight budget, you may wonder whether a life insurance premium is really worth it. Remember, your family is getting the piece of mind that they won’t lose everything in the event of your passing.
If you get a combined single limit liability coverage, then it combines both property damage and bodily injury coverage under one single limit. For example, in a car accident, the same coverage would pay for the other person's car and their injuries.
If you're a single parent, you naturally want to make sure you have the longest policy possible to protect your children. However, don't think you have to insure them forever. Just cover them long enough until they can support themselves.
Determining how much commercial automobile insurance you need is complicated, as so many factors come into play, including the need to protect your company and its assets. Our qualified agents will review all facets of your situation and make recommendations based on the information provided and gathered.
There are many different kinds of life insurance policies, but the two most common types are term life insurance and whole life insurance. Your insurance agent will talk you through the process of deciding which one is most suitable.
Could your vehicle use additional mechanical breakdown insurance? This type of insurance covers accidental damage repairs to automobile parts including engines, transmissions and suspensions, and is often recommended for vehicles with less than 15,000 miles or which are less than 15 months old.
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Before you buy life insurance, expect to answer a number of health-related questions and to undergo a medical examination. Information about your current condition, combined with your medical history, helps insurance companies determine your level of risk.
Insurance rates can be affected by the type of car a person drives. A lot of insurance companies consider the car type and whether it’s expensive to repair or not. This factor influences the rates of the auto insurance.
Are you interested in life insurance that will also provide income to pay for funeral and burial costs? Either term or permanent life will go to your heirs when you die, so long as the policies remain in effect and the premiums are paid on time.
It is important that you report any damage to your car to your insurance agent as soon as possible. Not only will they arrange for an immediate assessment of the damage, the can also arrange for towing if the vehicle is not drivable.
Buying a house may be the single largest purchase you'll ever make. Buying a term life insurance policy for the length of your mortgage can provide peace of mind that there will be enough to cover the mortgage even if something happens to you.
