Having the right kinds of insurance — including good medical, disability, automobile, homeowner, long-term care, life, and even travel insurance — is key to good financial planning. This page about insurance gives you the lowdown on how to successfully navigate the often perplexing world of insurance coverage.
Insurance Tips: How to Handle Your Policy When Taking an Extended Trip
Insurance Tips: How to Handle Your Policy When Taking an Extended Trip When you’re planning an extended trip, preparation means more than just making hotel and rental car reservations. You also have to think about matters back home. If you will be out of the country or away from home for an extended period of [...]
Teenage Drivers: In the Case of an Accident, Will a Claim Be Covered?
Teenage Drivers: In the Case of an Accident, Will a Claim Be Covered? You love your kids unconditionally, right? Even when they become teenagers? All kidding aside, part of being a parent is figuring out a way to manage teenagers’ attitudes and keep them safe. When you mix teens and machinery, like a family car, [...]
Check the Fine Print: Situations That Could Invalidate Your Insurance Coverage
Check the Fine Print: Situations That Could Invalidate Your Insurance Coverage Even I was frightened when I started writing this blog. Wondering, “Will that claim be covered?” is one of the worst parts of an insurance agent’s job. Sometimes the dreaded claims adjuster informs the insured (and the agent) that a claim is not covered [...]
Get the Most Money for Your Insurance Claim with an Insurance Appraisal
Get the Most Money for Your Insurance Claim with an Insurance Appraisal Have you heard stories of people damaging their own property or claiming jewelry has been stolen in order to file an insurance claim and get a little cash? During difficult economic times, the insurance industry sees higher claims activity. Unfortunately, fraud, such as [...]
Do I Need Long Term Care Insurance?
Do I Need Long Term Care Insurance? Most people don’t like to spend money on insurance unless they see a real benefit. Let’s say a few of the benefits included: Receiving tax-free money when you get sick Avoiding depleting your life savings on medical expenses Claiming tax deductions on premiums paid Preserving your dignity Saving [...]
Procrastination Ruins New Year’s Resolutions
Do you know the history behind the tradition of New Year’s resolutions? New Year’s Day was established to honor Janus, the god of Roman mythology who, with his two faces, looked back on past events as well as forward into the future. The Romans made resolutions that had mostly a moral flavor. Today, all resolutions [...]
Avoid the Scam of Mortgage Credit Insurance
Avoid the Scam of Mortgage Credit Insurance A question I hear quite often from clients is “What insurance can I buy to protect my mortgage if anything happens to me?” In this time of economic uncertainty, high unemployment, and foreclosures, I love having such smart clients who want to protect their assets. If you’ve asked [...]
5 Mistakes My Customers Make with Their Insurance
5 Mistakes My Customers Make with Their Insurance Mistakes happen. The benefit of mistakes is the ability to learn from them. It may be cliché, but the fastest way to save money on your insurance is to stop making the mistakes I see so many of our clients making. Insurance Mistake #1: Reducing or Removing [...]
The Season for Giving: What to Do If You’re Injured while Volunteering
’Tis the season for giving. Some give money; some give time by way of volunteering. But what happens if you’re involved in an accident and injured while volunteering? Many accident disputes can be avoided if the volunteer organization takes preventative measures. If you run a nonprofit organization that relies on volunteers, look at your business [...]
A Day in the Life: What I Do as an Insurance Agent
A Day in the Life: What I Do as an Insurance Agent We’re in the middle of the holiday season, a time to spend with friends and loved ones—and also get to know each other better. I’ve learned so much from some of my online friendships, and I’d like to get to know my Equifax [...]