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7 months ago · by · 8 comments

Tips to Help You Choose Life Insurance

When it comes to life insurance, opinions tend to take precedence over the facts; term life insurance is viewed as affordable, while whole life insurance is considered secure.

Unfortunately, like most things in life, the actual situation is somewhat more complex.

Discover the truth about whole life insurance and whether or not it is the right move for your portfolio, based on these facts.

Permanent Coverage

Unlike term life insurance, whole life policies are permanent.

Once the initial term is completed, term life coverage might become more expensive, whereas whole life tends to become more competitively priced over the long run.

All or Nothing

Whole life insurance offers a death benefit just like term life but also provides additional protection in the form of “cash value.” Unlike a term life policy that pays nothing unless you die, whole life policies allow you to recapture or “cash in” a portion of what you invested over the years.

Additional Savings

Another attractive feature of whole life insurance is the ability to borrow from the policy in the event you need a loan. Because a portion of the money is set aside into a savings account, whole life policies can provide additional funds in the event of an emergency or even serious illness.

Bottom Line

Most experts agree, if you are short on cash or need a policy for less than 10 years, term life insurance is typically the most affordable route. For those who require more than 10 years of coverage or can invest a larger portion of their income up front, whole life often provides valuable protection over the long term. Ask your agent for a comparative price quote demonstrating the long-term cost as well as the benefit of each policy option; you might be surprised to learn how affordable whole life insurance is when used as a financial planning tool.

 

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8 months ago · by · 16 comments

Coverage to Protect Your Business on the Rainiest of Days

 

Accidents happen – so savvy small-business owners plan for the unexpected by purchasing business umbrella insurance.

A business umbrella policy provides additional protection above and beyond the basics.

It’s different from a standard business liability policy that protects you up to a given amount.

For example, if your current liability policy provides $1 million of protection but you were successfully sued for more, the umbrella policy would cover the additional amount up to the policy limit.

Business umbrella policies are an excellent way to provide protection against costly lawsuits resulting from a wide variety of potential threats. Those threats can include things such as:

  • Driving accidents that result in multiple claims or extensive types of damage
  • Professional service errors resulting in inadvertent destruction or corruption of data
  • Unknown defects in workmanship or other errors that result in multiple lawsuits or claims
  • Other unanticipated events leading to a loss of life, property damage or other injuries

Many factors are involved in deciding on the appropriate level of business umbrella insurance to purchase, including the amount of existing coverage, industry, profitability and personal assets at stake.

Call us to discuss options and obtain a quote for various coverage amounts.

Coverage to Protect Your Business on the Rainiest of Days

 

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