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Sometimes life’s biggest moments are planned, and sometimes they are not. When life changes, so does our insurance needs and wants. Most insurance policies are customizable and they can certainly differ from person to person, family to family, and business to business. Here are a few life changing moments and why you might want to look into an insurance policy or have us review your current policy. When life changes, call us. We can make sure that you are insured for life’s BIGGEST moments.
· TURNING 26 YEARS OLD:
o Health Insurance – At age 26 you are no longer allowed to be covered on your parent’s health insurance plan. If you aren’t receiving health insurance benefits from an employer, we can help you look into health insurance options.
o Wedding Insurance – You may be planning a wedding in the near future, did you know there is such thing as Wedding Insurance? This policy can help cover you for severe weather, lost deposits, ruined photos, military call to duty, lost rings, sudden illness, and more!
o Life Insurance – You may have people that will be depending on you soon, such as a spouse and children, life insurance rates when you are young and healthy can be much more affordable. We can help you customize a policy that works for you.
o Renters or Home Insurance – Are you renting or close to owning a property? If so, compare your renters or home insurance quotes amongst the many carriers we work with.
o Auto Insurance – Auto policies can be very customizable. Have us review your coverages to make sure you are getting the insurance you need at the rates you can afford.
· TURNING 65 YEARS OLD:
o Medicare – Reach out to us 3 months prior to your 65th birthday to learn about the Medicare process and your choices for health care.
o Final Expense Insurance – Thinking ahead, are you in need of a small policy to help your family cover funeral costs?
o Umbrella Policy – Protect your retirement and the assets you have accumulated over the years with an Umbrella policy.
· MOVING:
o Health/Medicare Insurance – If you are moving to a new town, city, or county, a review of your health insurance coverage should be on your list. Your zip code can change your rates, and some plans have coverage and network restrictions.
o Renters or Home Insurance – You’ll need to look into a new policy for your new living space. Use this time to compare quotes amongst several carriers and see if bundling your renters or home policy with your auto policy will save you some extra money.
o Auto Insurance – When your auto will be parked/garaged at a new address, this can change your auto insurance rates. Use this time to compare quotes amongst several carriers and see if bundling your auto policy with your new renters or home policy will save you some extra money.
o Life Insurance – This is the perfect time to get all of your insurance policies in place. Review your life insurance needs. Will the family struggle financially with the mortgage, bills, getting the kids through college, funeral expenses, and day-to-day expenses when you (and your income) leave this Earth? If so, take the stress and anxiety away from the people you will leave behind. We can help you customize a policy that works for you.
o Umbrella Policy – Are you starting to accumulate some assets? Help cover the assets you have accumulated over the years and protect your future finances and retirement with an Umbrella policy.