What Type of Life Insurance is Right for You?

For the vast majority of people life insurance can be a hard insurance policy to understand. What type of policy? How much is the right amount? How often should I review or update my policy? Is my family adequately covered for today as well as the tomorrow?

We all understand that life insurance is one of the most important types of insurance you can purchase. It protects your family in case of your death or the death of your spouse and with certain policies it can provide a financial resource for those times, now or during retirement, when you might need extra cash. (more…)

Filed under: Life Insurance — Dave Leahy @ 9:35 am April 30, 2018

How Much Business Insurance Does Your Business Need?

You want to protect your business, but you don’t want to pay for more protection than you really need. You also don’t want to underinsure your business. In today’s web savvy world, you probably researched business insurance on the web as well as talking to your friends and family when appropriate. But how do you really go about finding the right level of coverage? How do get the answers for which types and how much business insurance is adequate? How much does it all cost?  Should you look online or consider speaking with an agent in person?

When starting your search, we suggest you speak with a local independent insurance agent, so you can get specific answers to your specific questions, tailored to your specific situation. However, understanding what questions to ask and why they might make different recommendations will be helpful in you making an informed decision that best meets your business needs. (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 3:18 pm April 20, 2018

Is it Really Possible to Get a Lower Auto Insurance Rate?

First, let me answer the question directly, yes it is.  So now let’s take a few minutes and explore why many consumers are not taking advantage of savings year over year.

Do you often think about your auto policy, or are you like most drivers who don’t give their auto insurance much thought unless they are paying their premium or have been involved in an accident? When it is time to renew, do you simply let the renewal happen or do you think about shopping around? We would recommend that you take some time and actually shop around for some quotes on different auto insurance policies. You might discover that you have been paying more, perhaps even a lot more, than you need to be paying. According to a 2017 report from NerdWallet.com, nearly four out of ten Americans ho have auto insurance haven’t shopped to compare prices in at least three years. For a good driver, that inaction may amount to an average loss of $416.52 per year in savings. (more…)

Filed under: Auto Insurance,Independent Insurance Agents — Dave Leahy @ 10:54 am March 30, 2018

Cost of Long-Term Care Keeps Going Up, Should You Consider Long-Term Care Insurance

long-term care is an important part of finncial planning

No one likes to think about a time when they won’t be able to take care of themselves, but disabling accidents or injuries can happen to anyone, anytime… even at home. In fact, statistics indicate that a disabling accident takes place every four seconds — and that’s not counting the hundreds of thousands of people disabled by illnesses such as stroke, Parkinson’s disease or other disabling illnesses.

Those who experience a disabling injury or illness often need assistance to complete basic, everyday activities, such as bathing and dressing, also known as long-term care. In the U.S., more than 10 million people require long-term care; of these, 37 percent are under age 65 and 70 percent of people over age 65 will need some form of long-term care. (more…)

Filed under: Long Term Care Policies — Dave Leahy @ 6:39 am March 21, 2018

Why Your Company Should Consider Business Interruption Insurance

Business Interruption Insurance protects your income

You already know that you and your business should purchase certain basic types of insurance in order to protect your business from loss because of property damage or theft. However, do you know that these insurance policies usually pay for only the needed repairs or replacements after a covered event. If your business is unable to operate temporarily after one of these disasters, basic business insurance does not provide any benefits to help you make up for income you lose. To help protect you from your loss of income you need business interruption insurance. (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 5:22 pm February 28, 2018


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