InsurancePro – Page 22

July 24, 2013

Home Insurance, Auto Insurance, and Life Insurance A Good Investment

We all need home insurance to cover our home from loss and damage. Sometimes, we need this insurance because minor events occur that might be funny if they happened to someone else. There is a severe storm and the power goes out for several days. You lose all the expensive meat and poultry you have in your refrigerator. The worst part is that you were preparing to have 25 people for the holidays. You need to hire an electrician to connect the electricity to your house because the line broke during the storm.

The good news is that your home insurance policy covers the problem. Due to the situation your family decided to go out to dinner so you don’t have to cook and everyone pays dutch treat. This is just one reason why homeowners insurance can be an asset. Perhaps, something was stolen of lost from your home of sentimental value like jewelry or collectibles. A family member is distraught over the loss because they don’t think they will find a replacement.

The home insurance policy often does cover these losses Your son thinks his favorite baseball card collection was stolen. You go to a baseball card show with your son and find the same series. This card collection is in better condition than the one that disappeared. This is one reason why home owners insurance can save the day.

Car insurance is another necessity. When you have an accident it covers damage to the car and the other passengers. It also covers the other vehicle and those in it. Let’s take a less serious situation, you own a sports car that your son or daughter likes to drive. It is the classic red Corvette sports car. When driving it skids off the road and hits the guard rail leaving a dent and scratch on your pristine mint car.

They come home looking down at the ground waiting for you to ground him for one week. You call the insurance company and find they can fix it the next day. Your rates are not increased and your kids learn a lesson. The lesson is to drive more carefully. This is the reason car insurance is a must for everyone even younger high school and college students driving. Driving around a car with a dented door or crumpled fender looks tacky. It’s better to get it fixed.

Many families are under insured in the event of premature death. Funeral expenses are high and often families do not have the money to cover the costs. Insuring your family wife, husb and, and kids protects them. When you take out a life insurance policy for your family, in your twenties and thirties, and even forties some people might think you’re planning a murder. Don’t let the gossip stop you, because you are protecting your family from unexpected loss.

Home insurance, auto insurance, and life insurance are just a few of the types of insurance you need.

July 22, 2013

It can happen to you

There is nothing funny about hearing a scream and watching helplessly as gr andma takes a tumble down a flight of stairs in your house. It is even less funny when she breaks her hip and decides to sue you for her medical bills, pain and suffering and diminished ability to pursue her passion of ballroom dancing. While you may be a little angry that gr andma decided to sue you, fortunately, your homeowners insurance policy will protect you against liability when someone gets hurt inside your home.

When you purchase a st andard home policy from your insurance agent, you get coverage for your dwelling. You also get coverage for the contents or your personal property inside of your dwelling and protection for accidents or incidents that might result in personal liability.

Now, the example of gr andma falling down the stairs and breaking her hip might be an unlikely scenario, but there are plenty of other things that do happen that are strange and even a bit humorous, that happen every day. Think about some of the really funny things that happen around the house that will be covered by your homeowners policy.

You can file a claim if your 300 pound friend brings her five year old daughter over to your house to play with your five year old son and has a little accident while on your property. Suppose the children are out in the backyard playing on the swings and having a gr and old time. At some point, you and your friend go out to see how the children are getting along, and your big friend decides she wants to get on the swing. As she hoists her hefty frame onto the swing, you wonder if the A-frame is strong enough to hold her. A few seconds later, you know the answer as the swing breaks and she falls flat on her butt. Who wouldn’t find that just a little funny? You might even break out into hysterical laughter. Your home insurance policy will help your friend pay for any injuries she suffered but will not pay any price for her to get over her embarrassment or loss of dignity.

You can file a claim if you accidentally do something in your house that causes some serious damage. Under your contents coverage of your home policy, you are covered for acts that are not malicious or intentional, but cause some types of damage. If you fancy yourself something of a h andyman and cause a small leak from your washing machine to turn into a gushing river of water, you will be covered if the water floods your living room and ruins your wall-to-wall carpeting. These are the kind of things that happen every day and not just on TV shows like the old I Love Lucy episodes.

When you suffer a loss to your home or are liable for a loss suffered by somebody else, it is not funny to you, at least while it is happening. Fortunately, home insurance is there to protect people from the funny things they sometimes do.

July 19, 2013

Life Insurance Is Important — Really!

Life insurance is not something you should assume you don’t need. Tragedies strike every day, and we need to be prepared for it. If something happened to you,what would your family do? Could they afford their home? Could your kids go to college? Would your spouse have to work? These are all reasons to get life insurance.

Or maybe you know all this, but don’t think you can get life insurance. Maybe you have a condition that you think would keep you from getting it. Well, that’s not the case. Whether you are in renal failure, tore your rotator cuff pitching baseballs or have reactive attachment disorder, you can get life insurance. Restless legs syndrome? We got you covered. Even if your ringworm is making you itch, the idea of getting life insurance shouldn’t make you twitch. You can insure yourself and protect your family.

So, don’t delay. Contact an insurance agent and get the coverage you need so your family can go on without you if they have to.

In perfect health or not we can get you life insurance

July 16, 2013

April 11th The Date That Changed the Conway Family Forever

For most individuals birthdates and anniversaries are memorable dates that are marked on a calendar. They are memorable because they represent a number of positive changes that impacted our lives. The Conway Family has those types of dates marked on a calendar, but they also have the date April 11 mentally marked.

People die in car accidents every day. Be sure your family has life insurance to protect them.

April 11^th is a particularly memorable date for The Conway Family because that is the date their lives changed dramatically.

The Conway Family was a friendly, loving family. The father, James, worked full-time at the local factory, while S andy, the mother, stayed at home to raise their two children, Peter age 6 and Gina age 10. S andy was extremely active in the school’s PTA, children’s sporting events, and other organizations throughout the community. That was the general picture of The Conway Family until April 11.

One evening while James was on his way home from a late night shift the unfortunate happened. A drunk driver failed to stop at a red light and slammed into James’s car. The impact killed James instantly and forever changed the lives of The Conway Family.

After the initial shock of the incident wore off, S andy was left with a tremendous task of piecing everything together. There were bills to pay, mortgages to h andle, and food to purchase; all of which were usually purchased with the money James brought home.

James had always been the main bread winner of the family and while S andy knew the truth was she would eventually find a job; the task seemed extremely difficult with 2 children and the money needed to come in right now. Luckily, James made one very important and potentially family lifesaving decision – he purchased life insurance.

James purchased a decent life insurance policy that allowed S andy to collect a considerable amount as part of the policy’s death benefit. This single decision helped The Conway Family considerably. It allowed S andy to pay the mortgage bills that allowed her to save the house and keep a roof over the family’s head. It allowed her to purchase food and clothing, and it even allowed her to set up a small college fund for the children.

That single decision on James’s part to purchase life insurance was a true lifesaver. It prevented his family from being fatherless, homeless, and husb andless in the event of his untimely passing.

July 12, 2013

Please Purchase Protection

Many people believe that unless you are in tip-top shape, you cannot get life insurance. This is absolutely not true. If you have phobias about trying to get life insurance, or filling out the application sends you into a full-blown panic attack, take deep breaths, call your insurance agent and start the policy anyway. You can get life insurance even if your eyes are swollen with pink eye or your legs were stricken by polio. Even prostate cancer won’t prevent you from getting the protection your family needs. And they do need it. If something happened to you, how would your family pay for the house? Pay for college? Would they have enough money to go on without you, or would you loss be compounded by the loss of everything else? Do you want to leave your family in such a precarious position because you *thought* you couldn’t get coverage? Of course not!

We've all had Pink Eye before. Does this prevent you from getting life insurance? Absolutely not! — We’ve all had Pink Eye before. Does this prevent you from getting life insurance? Absolutely not!

So, even if your h ands are shaky from Parkinson’s Disease, please find a way to protect your family’s future. Get life insurance. You’ll have more peace of mind, and your family will know you took care of them. The fact is, death is an eventuality of life, so you might as well prepare for it. As Tim McGraw sang, “Live like you were dying”…

But prepare for it first.

July 9, 2013

Get Life Insurance Despite Having A Medical Condition

So you pull out your “Big Book Of Medical Terms” as you look up all the medical conditions that you may have but are afraid to talk to the doctor about because you don’t want him to think you are paranoid. Flipping to the “M” section, you go down the list, placing a checkmark by every entry that affects you and a question mark by those you may have experienced.

Mad cow disease? You do like to have a rare steak now and again. Malaria? You have a friend, that has a friend, that has a cousin who works for an embassy in South America? Could you have been exposed to it while talking to your friend?

Don't "forget" you need to buy your life insurance today! — Don’t “forget” you need to buy your life insurance today!

Then a big gust of wind comes through the window, blowing in a flyer from your mailbox. “Do you have life insurance?” the pamphlet says in big bold letters.

You shake your head and sigh. You wish you could have life insurance, but you have medical conditions such as memory loss, menopause, occasionally suffer from a migraine and have melena. A friend of yours told you that the more medical conditions you have, the less likely an insurance company will grant you life insurance. That is why your friend didn’t sign up for a policy with her multiple sclerosis.

You, and your friend, may be surprised to hear this: You can get life insurance if you have every type of “M” condition in your Big Book Of Medical Terms. There is a policy out there for you if you shop around. So put down the book and start calling insurance carriers so you can get the life insurance you need.

July 5, 2013

Overcoming the Stress and Anxiety Associated with Applying for Life Insurance

Often times, people assume that just because they suffer from a certain physical or mental illness they are automatically denied for life insurance coverage. The truth is, whether you are suffering from a physical illness or medical condition, like Galbladder Disease, gallstones, gout, gonorrhea, or genital herpes, or a mental illness, life insurance is still available to you.

Take, for example, Andrea who suffered from generalized anxiety disorder. She had heard so many times from so many different people that because she had received this type of diagnosis from a doctor, she’d automatically be denied any life insurance coverage in the future. She didn’t think much of this, until she started to have a family.

Got Gallstones? PAIN!! But we can still get you life insurance - ask us today! — Got Gallstones? PAIN!! But we can still get you life insurance – ask us today!

Andrea wanted to make sure her family was covered in the event of her untimely death. She went to fill out the paperwork for a life insurance policy, but she was so anxious she stopped mid-way through. It took several tries, but she finally filled out all the paperwork and sent it on her way.

Imagine her surprise when she was automatically accepted on the first try. Now, her entire family is covered in case an untimely accident should occur.

Regardless of medical condition, don’t let the stress and anxiety associated with applying for life insurance prevent you from trying. Everyone, regardless of medical condition, is eligible for life insurance. Protect your family today by applying for a policy. You just might be surprised at how easily you are accepted for a policy.

June 28, 2013

Kidney Disease Sufferers Rejoice! Health Insurance Is Available!

Not too long ago, if you suffered from a kidney disease or kidney stones, you would either have to pay a prohibitively high premium for health insurance or you wouldn’t be able to obtain health insurance at all. You’d most likely have to rely on government medical programs for any health issues beyond your kidney problems that might arise, or you’d have to go to an expensive private practitioner. Well, those days are gone thanks to the Affordable Care Act.

Even if you have Kidney Disease we can help you get life insurance. Today.

One of the major points of the healthcare act is that a pre-existing condition, such as kidney disease, can no longer be a cause for the rejection of a health insurance application or denial of coverage. What this means is that if you suffer from kidney disease and require special medications, care, or even dialysis, you will be able to obtain coverage and needed medical services. Your required medications will also be fully covered.

Of course, your new coverage may still require co-pays, both for office visits and medications. However, thanks to the provisions in the new law, you will be able to afford the coverage that you can no longer be denied.

June 27, 2013

Yes, It Can Wait!

We’ve all seen people doing crazy things while they’re driving. We’ve seen makeup applied, coffee sipped, s andwiches eaten, even clothes being changed, all while someone is maneuvering a three-ton vehicle down a road at 65 miles-per-hour. It would be funny if it weren’t so dangerous.

But those things pale in comparison to watching someone trying to talk or text on a cell phone while driving. It doesn’t matter how many multi-tasking championship belts you’ve won, no one can effectively text and drive while tooling down the 405 without putting other people at risk.

No one.

The right car insurance can make all the difference if you have a claim.

The stats don’t lie. Check out these nuggets:

Distractions caused by drivers using h and-held devices make them 4 times more likely to be in an injury-causing accident.

Using a cell phone while driving lowers the brain activity used for driving by 37 percent.

Sending or receiving a texts requires a driver to take his eyes off the road for 4.6 seconds. This means that at 55 miles-per-hour, a person can drive the length of a football field and never look at the road.

In short, using a cell phone while driving makes you deaf, dumb and blind. So just drive, will ya?

June 26, 2013

Yes I Have Worker’s Comp Insurence, It’s the Law

I have a safe, reliable office job, but even in the office accidents can happen. Thankfully they are rare in an environment like this, but when accidents do happen, it gives me peace of mind to know that if something happened to me my worker’s compensation insurance -which my employer is required to provide by law– would cover me in the event of work related illness or injury.

After all, you never know what could happen. The other day, my desk mate, Penny was using her stapler to collate the new safety manual for the office when her phone rang. In what could have been a terrible disaster, the stapler flew out of her h and and nearly missed our supervisor, Bob. It was so close that he later said he felt it whizz by before he realized what happened. Thankfully it missed and he was fine. He started laughing and the whole office did too.

But it got me thinking, what if it hadn’t missed and it hit someone in the head? Those staplers can be pretty heavy. Or what if she had stapled her h and instead? That’s why I’m grateful for workman’s comp.

Author: InsurancePro