What Is A Beneficiary?

A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you’ve set up A charity Your estate If you don’t name a beneficiary, the death benefit will be paid to your estate.…

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How Should I Organize & Store My Life Insurance Records?

The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance. To prevent this, you should have copies of your life insurance records in at least two places. This is to make it less likely that you’ll lose them…

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IN: Protect Yourself Against Identity Theft

Dear Valued Customer, In this issue of “——————–“ we’re focused upon the very real dangers surrounding identify theft. Identity theft remains the number one concern among consumers contacting the Federal Trade Commission. In fact, the FTC estimates that as many as 9 million Americans have their identities stolen each year. And, once they have your…

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Cyberattacks can occur in many ways

Cyberattacks can occur in many ways, including: Accessing your personal computers, mobile phones, gaming systems and other internet and Bluetooth connected devices. Damaging your financial security, including identity theft. Blocking your access or deleting your personal information and accounts. Targeting children and adults. Complicating your employment, business services, transportation and power grid. Protect Yourself Against…

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IN: How To Create A Home Inventory

Dear Valued Customer, In the event you lose your possessions it’s unlikely that you would be able to recall each item you’ve accumulated over the years. So, we have dedicated this issue of “—————-” to taking a home inventory. Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses…

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How To Create A Home Inventory

In the event of a fire or other disaster, would you be able to remember all your possessions? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Here’s how to create one. Start your…

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IN: Does My Credit Rating Affect My Insurance?

Dear Valued Customer, In this issue of “————” we focus on how your credit rating affects your insurance rate. Auto and homeowners insurance companies are among the businesses that are using credit scores to help decide if you’d be a good risk for insurance. A higher credit score suggests you are likely less of a…

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Credit Reports & Scores

Credit Reports Credit reports list your bill payment history, loans, current debt, and other financial information. They show where you work and live and whether you’ve been sued, arrested, or filed for bankruptcy. Credit reports help lenders decide if they’ll give you credit or approve a loan. The reports also help determine what interest rate they will…

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Taking Home Inventory

You never know when a disaster may strike—but you can be prepared with a home inventory.  Having an up-to-date home inventory will help you: Purchase enough insurance to replace the things you own. Get your insurance claims settled faster. Substantiate losses for your income tax return. GETTING STARTED There are many ways to create a…

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Special Coverage for Jewelry and other Valuables

To adequately insure high value items, consider a floater A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs. These items are covered for losses caused by all the perils included in your policy such as fire, windstorm, theft and vandalism. However, there are special limits of liability…

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