Getting started with Whole Life Insurance, also known as Permanent Insurance or Cash Value Life Insurance. It is designed to pay your family a lump sum (i.e. Death Benefit) if you pass away – just like any form of life insurance. Whole Life insurance is unique. As you do your due diligence you will find […]
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Good, Fast, Cheap: Pick Two
Would you consider going to a doctor who advertises, “cheapest in town” or “procedures in 10 minutes or less”? There are two things at play everyday in a persons life: the ability to save money and conserve time. We all want a deal. Moreover, who doesn’t want more time? The challenge is – good, fast, […]
Vacant Home Insurance: What You Need to Know
http://www.studio10salonsuites.com/?stylists=sandra-ann-nail-suite Debbie & Dave moved into their new home severals months ago. Meanwhile their old home has been sitting vacant with a for sale sign in the yard. Last week someone broke into their vacant home, turned on the water in the kitchen and bathrooms, then proceeded to close all of the drains. It had […]
Understanding Your Insurance Premiums
Show Notes 00:00: Hard Market vs Soft Market: What is it? What’s the difference?03:14: What is an exposure?05:14: How does hurricanes and wildfires affect your insurance in Missouri?08:24: How do insurance companies make money?13:48: Mutual vs Stock Insurance Company: Is one better?15:23: Reserve requirements: What are they and the impact they have on insurance companies […]
Insurance Company vs Insurance Agency
Insurance Company vs Insurance Agency – these terms are thrown around synonymously all of the time. Yet they are two distinctly different entities. What is an Insurance Company? Insurance Company is who you pay your premiums to. Your Insurance Agent may take the money from you, but the Insurance Company is who ultimately receives payment. […]
Don’t Get Caught with Your Business Pants Down
You think to yourself, “my business needs liability insurance.” Here’s the caveat, there isn’t a generic or one-size-fits-all approach to ” business liability” insurance. There isn’t one form of liability that will cover all of your needs. Don’t get caught with your business pants down. General Liability Every business should have a General Liability policy. […]