Learn all there is to know about insurance.
How Whole Life Insurance Can Be Useful During Your Lifetime
Permanent life insurance, sometimes referred to as whole life insurance, is a policy guaranteed to remain in force for the insured’s entire lifetime as long as the premiums are paid. While it serves its purpose of helping your beneficiaries when you pass away, it can also help you financially during your lifetime in several ways. […]Read More
Will My Home Insurance Policy Cover My Dog’s Breed?
As dog owners, we love our furry little companions more than anything. Unfortunately, some insurance companies don’t if your pooch falls under certain breed categories. There are a number of breeds that many insurance companies are hesitant to offer coverage for because statistics show that they are more likely to bite and cause injuries. This, […]Read More
Will My Family History Affect My Life Insurance Rates?
You’ve probably heard that you can’t get good rates on life insurance if you have an existing medical condition. But what if you’re a healthy person with a not-so-healthy family history? Unfortunately, those odds of pre-existing conditions can be stacked against your life insurance premium as well. However, there are benefits to being educated about […]Read More
Wealth at Risk: Obtaining the Correct Insurance Protection
There are many solutions to insure luxury assets in the insurance market today. This fact makes deciding which one to select overwhelming. So how do you decide what is right for you? Choose the fastest Choose the cheapest Choose the most expensive and assume it is the best Go online Call an 800 number Ask […]Read More
Home Renovations Can Cause Insurance Coverage Gaps
Luxury homes under major renovation need special insurance to ensure they are properly covered during construction. Many home owners think their home insurance will cover them or their general contractor’s insurance is enough. This is simply not the case. Relying on these policies leaves owners of expensive homes with significant holes in their coverage program […]Read More
How Marriage Can Change Your Insurance Needs
You already know that marriage will change a lot of things in your life. When you say “I do” you are combining your entire world – and often your home – with someone else’s. Among the changes that come with married life are adjustments you should make to your insurance coverage. Home & Property If […]Read More
All Home Insurance is Equal. Or is it?
Insurance companies are all the same, just give me your best price.” This is a statement I’ve heard all to often. Many people see insurance as a necessary evil, which they would prefer to avoid. TV commercials convince us that insurance is a price-based commodity rather than an asset that should be a critical part […]Read More
“Conditions of Coverage” or Conditions Voiding Coverage?
Claims happen worldwide every day. Thankfully, insurance carriers are in the business of paying these claims. The issue arises on more complex claims, where the potential loss is larger and coverage hinges on a condition in the policy. Insurance carriers can be very creative when it comes to drafting language that affords coverage only if […]Read More
When Your Home is Owned by a “What” – and Not a “Who”
It has become commonplace in estate planning to transfer ownership of real property such as homes, farms, airplanes and yachts to a Trust, Limited Partnership or LLC. This is often done with a goal in mind, whether it be privacy, protecting assets from creditors and litigants, or for tax purposes. However, many people make a […]Read More
Did You Read the Insurance Application You Signed?
This past week I conducted a typical review of a prospective client’s insurance policies. Their current agent is a well-known, well-respected agency in our local community with a so-called Private Client division. Like most local agencies, their Private Client division includes one good customer service representative (CSR) who handles clients with higher-valued homes. This person’s […]Read More