Why it’s important to inventory your possessions
By Leslie Caveny
It’s stressful enough when something valuable gets stolen or lost, without the aggravation of having to provide an accurate description of your personal assets. This is why it’s a good idea to keep a record of your personal items in the instance they are stolen or lost.
Before taking an inventory of your personal assets, it might be a good idea to keep hold of receipts, especially for more valuable items, such as jewelry, electronics, and artwork.
Helping You Through The Health Insurance Maze
By Mandi Henson
Open enrollment for health insurance begins on November 1, 2016. The deadline for enrollment is January 31, 2017, which may seem like a long time away, but as almost anyone who’s already been through the process knows, it can be a confusing time. If you are fortunate enough to have your employer pay for all or a part of your health insurance premium, consider yourself lucky. Nearly 50% of Americans are finding themselves in a position where they are footing the bill for their own health insurance premiums. Some premiums are even reaching levels above a monthly mortgage payment. Fortunately, there are options out there to help lower the cost of your health insurance premiums.
The first step in considering your health insurance options is to speak with a licensed agent who can provide you with information you need to make an informed decision. Licensed agents will ask you a set of standard questions in order to best advise you and get you the coverage you need.
Why you should work with an independent agent
By Glenda Richards
When it comes to insurance you need a true partner and someone with comprehensive risk management experience. Our agents devote their professional lives to insurance, making them extremely knowledgeable on the topic.
Instead of being beholden to one insurer – as is the case with exclusive agents – independent agents typically represent several carriers. This allows us to provide our clients with a wide variety of options tailored to their unique needs.
An independent insurance agent’s top concern is the consumer. As independent agents in Springfield Illinois, we deal with multiple products, including renters, homeowners, automobile, and business. Not only do we offer coverage here in the state capitol, but also across all 50 US states.
Fall driving hazards
By Leslie Caveny
There are a number of hazards that can occur while driving this fall. It’s important to remember all of the changes that are taking place while transitioning from heat and humidity to cooler conditions.
Longer nights and shorter days reduces visibility making maintaining your headlights especially important. If it’s been more than a year since you replaced your headlights, you may want to consider buying a new pair so you have them if one of your current headlights no longer works. Make sure you also clean your headlights so there is a better contrast between high and low beams, allowing you to see better and others to see you.
Life Insurance Awareness Month
By Mandi Henson
As some of you may already know, September is Life Insurance Awareness Month. In an effort to raise awareness locally, I would like to take a moment to share with you some life insurance facts.
On top of offering financial protection for those you love upon your untimely passing, life insurance – depending on the policy – can also grow cash value and can be used by your beneficiaries for a variety of other costs including retirement, education, or even provide cash in emergency situations. In the event that the individual securing the coverage owns a large estate or business, this life insurance can settle the estate and allow the business to continue operating long after they are gone. This makes the transition easier for those left behind including business partners and employees. The key is understanding what type of insurance best suits your needs.