How life insurance saved a business

By | agent, business, Business Life, downturn, independent, Insurance, life, Life Insurance, loan, long-term, personal, planning, policy, prevent, protect, protection, value, whole
life-insurance-saved-business

LifeHappens shares the story of how a successful business owner included life insurance as part of his long-term planning. When there was an unexpected downturn, that life insurance policy saved the business and all those whose livelihoods depended on it. Watch the video.

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What to do when buying a new or used car

By | agency, buy, buying, car, collision, comprehensive, coverage, deductible, endorsement, gap, independent, injury, Insurance, lease, liability, loan, model, new, Personal Insurance, policy, purchase, replacement, truck, used, value, van, vehicle, vehicle identification number, VIN, year
buying-a-new-or-used-car

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are some tips.

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Planning key to successful home renovation

By | agent, Consumer Tips, contractor, craftsman, deal, DIY, home, improvement, increase, independent, Insurance, job, key, plan, policy, power, preparaion, prepare, project, protect, renovation, safe, safety, security, successful, tip, tool, tools, value, work
avoid-DIY-mistakes

Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or materials are less expensive. In fact, if your project is not weather-dependent, you might get a better deal at some other time of year. No matter when you plan your next home project, our bloggers have tips that can ease your mind.

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Term vs. permanent life insurance: Which is right for you?

By | agent, automatic, beneficiary, benefit, cash, convertible, death, holder, independent, Insurance, life, Life Insurance, loan, owner, paid-up, permanent, policy, premium, return, temporary, term, universal, value, whole, withdrawal
term-whole-permanent-life

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options.

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Personal insurance: Trends in construction costs

By | age, agent, cost, design, energy-efficient, expense, home, independent, Insurance, labor, market, materials, modular, Personal Insurance, price, quality, rebuild, rebuilding, reconstruct, reconstruction, safety, spending, supplier, supply, techniques, unemployment, value, valued
construction-trend

Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be very different from its market value.

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