Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.
What Type of Policy Is Right for You?
One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time.
With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.
Term life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.
There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.
Finding the Right Policy
To ensure you get the right type of policy as well as the most affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.
Most people are already quite well aware of their choices in home insurance and auto insurance. However, it is not a very well known fact that you can obtain other insurance for nearly any of your possessions. Just because your items are a bit out of the ordinary doesn't mean you cannot get high quality insurance policy coverage for your boat, motorcycle, or your other toy. Here are some of the basics about other insurance coverage types.
Our companies offer motorcycle coverages nationwide. We offer coverage for most motorcycles, including mopeds, ATV’s, scooters and snowmobiles. Our coverages include but are not limited to Accessory coverage, Enhanced Injury, Medical payments, Transport Trailer, Total Loss and Trip interruption, etc.
Whether your boat spends half of its life in the garage or it is out on the sea full time, boat insurance is essential. Your boat is exposed to weather and daily elements no matter where it is, and it may also be exposed to vandals or thieves. Your Home policy will not cover your boat whether it is on your property at the time it is stolen or vandalized or not. Ask your independent agent about how to make certain you have the supplemental coverage you need to insure your boat is protected.
The Commercial surety market includes numerous types of bonds categorized as court judicial, court fiduciary, public official, license and permit, and many miscellaneous bonds that include guarantees of financial performance.
Our companies also write fidelity bonds, which cover losses arising from employee dishonesty and errors & omissions liability insurance.
If you would like to apply for any type of surety bond, click here.