Category: Insurance Advice

Personal Articles Policy - What is it and why do I need it?

Do you need a personal articles policy?   If you have certain valuables like watches, jewelry or collectibles, you may want to get a personal articles policy in addition to your homeowners’ coverage. You may also hear it called Personal Articles Floater (PAF), which is the same thing. It’s no secret standard homeowners’ policies have limitations and maximums on the amount of items to be replaced....

Life Happens - Be Prepared - Part 8 of a 12 part series

Life Insurance Can Pay Off Your Mortgage No one really likes making that mortgage payment every month. But, if you are doing okay, working as you usually do, it is something you can do. Here’s a harsh, fairly negative view, though. What happens if your family isn’t able to keep making those payments because your income is no longer available to them? Could they do...

Life Happens - Be Prepared - Part 7 of a 12 part series

HOW DOES PERMANENT LIFE INSURANCE IMPACT ESTATE PLANNING? Estate planning is the process of creating a process for what happens to your investments and assets after your death. It also works to minimize taxation and helps you to protect your family. Permanent life insurance can often be an integral part of this plan. It’s essential to work with a trusted, experienced independent life insurance agent...

Life Happens - Be Prepared - Part 6 of a 12 part series

How Can Permanent Cash Value Life Insurance Pay for College? Paying for college gets more expensive every year. Yet, you would do anything to ensure that your child’s education is always within reach. Many families create a combination of methods to pay for school, such as savings plans and investment accounts. But, for some, a permanent life insurance policy can be an excellent way to...

Life Happens – Be Prepared – Part 5 of a 12 part series

Disability Insurance for High Income Earners Are you a doctor, lawyer, or other well-paid professional? If so, your needs for disability insurance are the same as anyone else. However, trying to get by on a traditional policy simply may not help. As a high income earner, you need disability insurance designed to address the amount of income you earn, and your financial needs. Accidents and...