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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

How Life Insurance Policy Payouts Work

How Life Insurance Policy Payouts Work

Life insurance is a critical safety net for your loved ones, designed to provide financial support should you suddenly pass away. But how do life insurance payouts work? Understanding the process can help you feel confident that your family is protected. What Is a Life Insurance Payout? A life insurance payout, often called a death benefit, is the money paid to your beneficiaries when you...

6 Questions to Ask Your Business Insurance Agent

6 Questions to Ask Your Business Insurance Agent

Choosing the right business insurance is one of the most critical steps in protecting your company from losses. But with so many coverage options available, how do you know which policies will be right for you? Our experienced business insurance agents can help you navigate the complexities. You can get a head start by answering these six key questions.  1. What Types of Insurance Do...

A Guide to Pet Safety When on Vacation

A Guide to Pet Safety When on Vacation

June is National Pet Preparedness Month, the perfect time to plan for your pet’s safety when planning a summer trip. Whether you’re planning a road trip, flying to a new destination, or leaving your pet at home, creating a safety plan for pets prevents stress, worry, and unexpected emergencies. This guide covers essential pet travel tips, including how travel insurance and pet insurance can provide...

Lifestyle Factors That Can Affect Your Health Insurance Cost

Lifestyle Factors That Can Affect Your Health Insurance Cost

1. Smoking and Tobacco Use Smoking is one of the most significant lifestyle factors impacting insurance costs. Tobacco users are typically charged higher premiums due to the increased health risks associated with smoking, such as lung disease and heart problems. Quitting smoking improves your overall health and can lead to substantial savings on your insurance costs over time. Specifically, smokers may pay two to three...

What Happens If You Outlive Your Term Life Insurance Policy?

What Happens If You Outlive Your Term Life Insurance Policy?

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, ensuring financial support for your loved ones should you suddenly pass away or become incapacitated. But what if you outlive your term policy? Understanding your options can help you plan for the future and ensure continued financial security for your loved ones. What is Term Life Insurance? Term life insurance...