?Say the words “life insurance” and most people will scatter faster than you can say multi-level marketing! Why is that? They’ve either been sold or over promised or made to feel guilty or scared by people that should be there to help them. The goal in our blog is to demystify, explain and empower each person so they can make informed decisions that are in their best interest.
?Last week, we looked at Allstate’s list of the top 10 US cities with the worst drivers. The top 10 cities at the opposite end of the spectrum or with the best drivers are listed below;
There are a number of perils, types of things that can happen to your home, that aren’t covered by your home policy. The same is true for renters, condo and town home policies. One of those perils is flood. Hurricane Sandy, and even Irene from 2011 are great reminders that flooding happens. Damage to your home and even your personal property or contents is not covered if it’s lost or damaged by a flood.
If you pack a room with financial planners and life insurance agents and then ask this question, you’ll have some great entertainment. It will be on a par with a professional wrestling match or an MMA cage fight. Not to be one for the faint of heart, I thought this would make for an interesting topic.
?I’ve lived in Texas for 32 years. On more than one occasion, I’ve heard people describe Texas drivers as aggressive, bad, you name it. None of the descriptions were “complimentary!” But guess what my fellow Texans? No city in Texas made Allstate’s top 10 list for worst US drivers.
?There are always an interesting set of numbers about any storm like Sandy. Here are some of the ones I thought to be interesting,
– 932 – The number of miles across / wide for the storm. This distance is about the distance from New York to Jacksonville, Florida. At its largest, Sandy would have covered almost 1/3 of the United States.
– 13.88 – The height in feet for the storm surge that occurred from the wind pushing the water that high.
?Shopping for life insurance can be prompted by life events. A marriage, your first home, the first pregnancy or the arrival of a new baby are examples of such motivational life events. Regardless of which life event it is that motivates the search, I thought it was appropriate to visit this question, “Which member of a couple should have a life policy?”
Halloween is here! Finally! This was one of my kids’ favorite celebrations of the year after Christmas & their birthday when they were younger. They got to dress up and people gave them candy. What’s not to like?! The moment to trick or treat would arrive and they’d want to go dashing out the door to conquer the neighborhood.
As Hurricane Sandy bears down on the east coast, I’m reminded how important it is to be prepared for a natural disaster. It doesn’t have to be a hurricane that forces an evacuation. The disaster could be a flood (remember what happened in the Midwest last year), wildfires (Texas last year), hurricanes (Katrina, Ike, & Sandy), tornadoes (Joplin, Missouri & Tuscaloosa, Alabama) or an earthquake.
Buying a life insurance policy is different than purchasing any other type of insurance policy. Home insurance is pretty straightforward. What amount of coverage does it take to replace the home if it experiences a total loss? Car insurance is not much different. What kind of car, truck or SUV do you drive and what kind of protection do you need to protect you financially if you’re at fault?
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