April 11th The Date That Changed the Conway Family Forever

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

April 11th 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.

Why I love insurance

If you have bought a new car or a new home in the past few months and have had some kind of damage happen to it, then you know the love that some have for insurance. An insurance policy is deigned to help repair your belongings if they are ever damaged in an accident or storm. Below are some other reasons why insurance is a great thing to own.

The Benefits of Insurance

  • Insurance covers medical costs for people to visit the doctor. It can also help pay for the expensive procedures that come up from time to time.
  • The policy can pay for damages to your car or help replace the car if it is ever totaled.
  • The premiums you pay go into a larger pool of money that is held until you have a claim. It is like a savings account.
  • It can help cover the costs associated with the end of life. Things that can be covered are funeral costs, burial costs, hospital bills and many other expensive details.

An insurance policy only makes sense when you consider what it can do for you. Some things in life are very expensive and if you are not prepared the expenses can set you back financially for many years. Take the time and go over your life situation and make sure that everything is covered the way it should be.

10 Tips for Purchasing the Right Auto Insurance

When was the last time you actually sat down and read through your auto policy? Did you ever open your insurance policy and faint at the site of your insurance premium? If you have been shocked with your current rate for car insurance, then you need to know there are things you can do about it. By following some simple steps you can lower your rate by hundreds of dollars every year and in some cases even thous ands per year. Of course do not sacrifice quality with cheap; you can have both.

Lowering Your Car Insurance Premium and Finding the Right Company for You

The steps to lowering your rate and staying with a reputable company are easy to do and will not take very much time.

  1. When shopping for car insurance ask for an extended start date for the policy. Companies love customers who are responsible enough to shop for a new policy before the other one expires. Sometimes, you can get a few bucks off your premium with some planning ahead.
  2. Ask questions of their customer service to test their knowledge. A good company or agency will employ people who are knowledgeable about their coverage and services.
  3. Price the higher coverage amounts on a policy because in some states they are as cheap as the lowest coverage amounts.
  4. Put both cars on the same policy for a multi-car discount.
  5. If you have teenage drivers who are struggling with grades, then help them raise their grades for a good student discount.
  6. Ask for the low mileage rate if you do not drive more than 8,000 miles per year with any given vehicle.
  7. Let our agency quoting engine check the rates of multiple carriers at once. This will save you a great amount of time.
  8. Speak with your agent about any other discounts that are not on the policy. One discount that goes unnoticed is the military or educational discount. This one has to be asked for.
  9. If you are looking for a better rated company, check their insurance rating to see if they are an A rated company or not. An A rated company is the best rating possible. Just keep in mind that there are several rating systems to look at but they give the same information.
  10. Be proactive with your insurance policy. Take the time to check new rates every policy term. You may be surprised at what you find.

Karl Susman, Susman Insurance Agency