Last week I talked with a woman who’s buying a home in the Hill Country area of Texas. We were discussing what the policy covered as we reviewed the quote together and she asked a question that was different than I usually get. Normally I’m asked what the policy covers.
Today, my wife, Sheri, and I are driving from Dallas to Tuscaloosa, Alabama to celebrate and support my niece as she marries one very lucky guy! It will be a great time celebrating their love and cheering them on, not to mention the family entertainment that usually accompanies a gathering like this.
I ended the day on Tuesday talking with a woman in Houston about car insurance for her and her adult daughter that lives at home. Our discussion covered the typical points I need in order to provide her with a quote; names, dates of birth, year, make and model of the cars, who is she insured with now, when does her policy renew, etc. What was interesting was, she asked me why I asked my last two questions which were…
Two seconds. That’s how long it takes for a child to drown. One Mississippi, two Mississippi and your life could be changed forever. Even if you don’t have an above or in ground pool, chances are you and your child(ren) will visit someone who does or you’ll join friends and family for an outing on a lake, river or at the ocean this summer.
There’s one option no term life policy should be without and I didn’t mention it in last Friday’s post: 4 Term Life Options Worth Exploring (http://50.87.248.161/~wiseinsu/4-term-life-options-worth-exploring/). No, I wasn’t sand bagging, but some term life policies automatically include this as a “feature” of their term life policy while others add it as an option. What is it? It’s usually referred to as the Accelerated Death Benefit and what it does can be profoundly important.
I’m asked this question on a regular basis. It usually comes up when someone’s paid off a car, their insurance is renewing and they’d like to lower their premium, they’re buying a cash car or they just have an older car. It’s an excellent question and the answer depends on two factors. Once those two factors are addressed, then it’s truly up to the client to determine what’s best for them and their financial situation, as well as what their risk they’re willing to tolerate.
Hurricane season runs from June 1 through the end of November. Hurricane forecasters at the National Oceanic and Atmospheric Administration are predicting a busy hurricane season. If you’re not prepared, now’s a great time to prepare instead of waiting until a storm is bearing down on your section of the Texas Gulf Coast, or where ever you happen to live.
All insurance policies have options: home insurance, car insurance, umbrella policies, health, and commercial policies. Every one of them has options. Even life insurance has options available to anyone who’s interested. Most people are surprised to learn this, but I believe it’s important to cover each one when I discuss life insurance. There are 4 primary life options including …
Car thieves don’t always steal the whole car, sometimes it’s only a part. My son drove a Ford Probe when he was attending Lake Highlands High School. One night, the car was parked on the street in front of our house and it was broken into. I did not discover it until the next morning when I saw wires poking out from the dash where the stereo had been. It was a cheap stereo to begin with but I was angry someone had taken it and had to confront feeling violated.
Hurricane season started 9 days ago on June 1 and runs for 6 months through the end of November. The National Oceanic and Atmospheric Administration (NOAA) is predicting “active to extremely-active” season. Their predictions include:
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