Options to Consider When Your Term Life Insurance Expires

Life insurance provides invaluable protection for your loved ones, but what happens when your term life insurance policy reaches the end of its coverage period? If you’re approaching expiration, you still have options to maintain financial security for your family. Understanding these choices can help you make the best decision for your circumstances.

Renew Your Existing Term Policy

Many insurance providers allow policyholders to renew their term policies without requiring a new medical exam. However, premiums are likely to increase significantly due to your increased age and potential changes in your health. While this option offers convenience, comparing costs with other alternatives before committing is essential.

Purchase a New Term Policy

If you’re still in good health, shopping for a new term life insurance policy can be a cost-effective way to maintain coverage. A new policy allows you to adjust the coverage amount and term length based on your financial needs. While premiums will be higher than when you initially purchased a policy, they may still be more affordable than other options.

Convert Your Term Policy to a Permanent Policy

Some term life policies offer a conversion option, allowing you to switch to a permanent life insurance policy without undergoing a medical exam. This ensures continued coverage, no matter what your health status. However, conversion options typically have strict deadlines and may only be available for a limited time before your policy expires. Fast action can help you avoid missing this opportunity if this is an option.

Invest in a Permanent Life Insurance Policy

Unlike term life insurance, permanent life insurance provides lifelong coverage and may build cash value over time. While these policies have higher premiums, they can offer financial stability for final expenses, estate planning, or long-term care needs. If maintaining coverage indefinitely is important to you, this option may be worth considering.

Consider a Long-Term Care or End-of-Life Policy

You should explore specialized insurance products if you are in a position where your primary concern is covering healthcare or end-of-life expenses. Some policies will allow you to use a portion of the death benefit for long-term care while you’re still alive, helping to manage potential medical costs.

Choose an Annual Renewable Term Policy

An annual renewable-term policy provides coverage year-by-year, allowing you to extend your life insurance for short-term needs. While this option can provide flexibility, premiums tend to increase annually, making it a less predictable solution in the long run.

Layer Multiple Policies for Comprehensive Coverage

Combining different life insurance policies may offer a balanced solution if your financial needs have evolved. For example, you could purchase a smaller whole life policy for lifelong coverage while supplementing it with a term policy to cover specific financial obligations in a particular period, such as a mortgage or college tuition.

Find the Right Coverage for Your Future

Letting your life insurance policy expire without securing new coverage can leave your loved ones financially vulnerable. Whether you need a new term policy, permanent coverage, or a layered approach, making an informed decision now can provide peace of mind for the future. Navigating life insurance options can be complex, but you don’t have to do it alone. Contact our experienced life insurance agents today to discuss your needs and find the best solution for you and your family.

The Hidden Costs of Skipping Insurance

This April is the 22nd anniversary of Financial Literacy Month, a time that inspires us to secure our future with sound financial planning, budgeting, saving, and investing. It’s an excellent opportunity to improve your financial education and be more secure in your goals. For example, many people are unaware of the hidden costs of skipping insurance, making them financially vulnerable.

Why Consider the Cost of Insurance in My Financial Planning?

Insurance delivers financial security by providing support during significant loss or danger. The apparent “cost savings” you may think you achieve by going without is often sadly misguided. Without proper insurance, one runs a high risk of financial setbacks.

High medical bills: Without health insurance, you’re responsible for the full cost of medical treatments, including emergencies, hospital stays, and prescriptions.
Legal fees: If you’re involved in a car accident or lawsuit and lack proper coverage, you could face significant legal fees.
Property damage: Without homeowners’ or renter’s insurance, you could pay for repairs or replacements after damage from weather disasters, theft, or accidents you have no way of predicting.
Loss of income: In the event of an injury or illness, not having disability insurance could leave you without a source of income while you recover.
Financial burden on family: Without life insurance, your family may struggle with expenses, including debt repayment, funeral costs, and day-to-day living expenses after your death.
Penalties and fines: Some types of insurance are actually considered mandatory, like health insurance. They can carry penalties for non-compliance with state or federal regulations.

Encouraging Long-Term Financial Stability: Types of Insurance

Getting familiar with the different types of insurance is a good idea. These policies can help you in your time of financial need to ensure long-term economic stability.

Personal Insurance

Health insurance is vital for managing healthcare costs and ensuring access to necessary medical treatments. With the rising cost of medical care, health insurance helps cover doctor visits, hospital stays, prescriptions, and preventive care expenses. It also protects you from high medical bills, ensuring you receive the care you need without devastating financial strain.

Life Insurance

Life insurance offers financial protection for your loved ones in the event of your death. It ensures your family can maintain their lifestyle and cover essential expenses, such as mortgage payments, education, and daily living expenses, even after you’re gone. Life insurance can also help with funeral expenses, reducing the burden on those you leave behind. With various policy options available, life insurance is essential for safeguarding your family’s financial well-being.

Car Insurance: A Legal and Financial Necessity

Car insurance isn’t just a requirement in most states—it’s also a safeguard against costly accidents. Without it, you could be held personally responsible for damages, medical bills, and legal fees. Even if you’re a safe driver, unexpected events like theft or severe weather can leave you with repair costs that far outweigh the price of a monthly premium.

Homeowners and Renters Insurance: Protecting Your Property

A home is one of the biggest financial investments you’ll ever make. Homeowners insurance protects you from disasters like fires, floods, and theft, preventing financial devastation and even homelessness.

If you’re a college student or your child is heading to university for the first time this year, moving into an apartment or dorm carries risks that can be covered by renters insurance. The landlord’s policy does not cover the cost of replacing your personal belongings should they be lost due to theft, fire, or other disaster.

Pet Insurance: Avoiding Unexpected Vet Bills

Owning a pet comes with both love and responsibility. Veterinary care can be expensive, with emergency procedures costing thousands of dollars. A sudden illness or accident could force you to choose between financial hardship and your pet’s well-being without pet insurance. A monthly premium can help cover unexpected medical expenses, giving you peace of mind.

Travel Insurance: Essential for Summer Getaways

Planning a summer vacation in the next few months? Travel insurance can protect you from trip cancellations, lost baggage, and medical emergencies abroad. Without it, a sudden illness, flight cancellation, or lost passport could turn a dream trip into a financial disaster. Travel insurance costs are minimal compared to the potential losses you might face.

Insurance: A Smart Financial Decision

Going without insurance brings financial risks that far outweigh the savings. As we’ve covered today, insurance brings:

Financial predictability – Helps protect against unexpected costs.
Peace of mind – Ensures you’re covered in case of emergencies.
Long-term stability – Prevents significant out-of-pocket expenses that could derail your financial goals.

This Financial Literacy Month, take the time to review your personal insurance policies and ensure you’re adequately covered. A little planning now can save you from major financial setbacks later.

If you want to enroll in new or expanded insurance coverage, contact one of our experienced personal insurance agents for a free consultation today.

Why Would I Need Life Insurance for My Child?

There’s a lot to think about when your family is growing. Whether you’ve recently welcomed a child through birth, adoption, or marriage, the future may feel full of unknowns. You do everything you can to keep your child safe—installing car seats, covering electrical outlets, and using baby gates—but have you considered how life insurance could be another way to protect them?

While it’s not something many parents think about, life insurance offers more than just financial protection in the event of the unthinkable. It can also give your child future security and financial opportunities as they grow.

What Are the Benefits of Juvenile Life Insurance?

There are three primary reasons parents choose to purchase life insurance for their children: guaranteed coverage regardless of future health, the ability to lock in lower premiums, and access to cash value that can be used later in life.

Guaranteed Coverage for the Future

Health can be unpredictable. A childhood illness, medical condition, or disability could make it difficult—or even impossible—for your child to qualify for life insurance as an adult. By purchasing a policy now, you can ensure they can maintain coverage for years.

Many juvenile life insurance policies include a guaranteed insurability option (GIO) or a guaranteed purchase option (GPO). These riders allow your child to increase their coverage at specific times in the future, regardless of any changes in health.

Locking in Lower Premiums

Life insurance rates are at their lowest when the insured is young. By securing a policy now, you can take advantage of lower premiums and lock in an affordable rate for the duration of the contract. You may want to consider purchasing a policy:

At birth – This is when premiums are typically at their lowest.
Before age 18 – Securing coverage before adulthood can provide long-term financial protection, even if your child develops a health condition later.

Cash Value for Future Opportunities

Permanent life insurance policies accumulate cash value over time. This savings component can help cover major expenses, such as a down payment on a first home, college tuition, or even retirement savings. The flexibility of this benefit makes life insurance a potential financial tool for your child’s future.

Choosing the Right Type of Life Insurance for Your Child

Different types of permanent life insurance can provide long-term benefits. The right choice depends on your family’s financial goals and needs.

Whole Life Insurance: This policy provides lifelong coverage with guaranteed cash value growth, regardless of market conditions. Premiums remain fixed, making it a stable option for long-term planning.
Universal Life Insurance: Offering more flexibility, this type of policy allows for adjustable premiums and coverage amounts. It also builds cash value, which can be borrowed against for future needs.
Variable Universal Life Insurance: This policy includes investment options, allowing more significant cash value growth. However, it also carries more risk due to market fluctuations.

Is Life Insurance for Your Child the Right Choice?

Every family’s situation is unique and deciding whether to purchase life insurance for your child is personal. While it may not be necessary for everyone, it can be a valuable tool for financial security, providing long-term economic benefits. If you’re considering a policy for your child, an experienced professional juvenile life insurance agent can help you explore options and determine the best plan for your family’s needs. Give our office a call to schedule a free consultation today.

What Women Should Know About Life Insurance

According to a recent study, not only is there a gender wage gap, but also a gender gap in life insurance coverage. Significantly fewer women than men have life insurance policies. Life insurance is a critical tool for financial planning and protecting your loved ones. Women are a vital part of the economy and are crucial to their families’ economic security. Nevertheless, many women overlook the importance of life insurance or delay purchasing it.

Why Do Fewer Women than Men Have Life Insurance Policies?

One reason women are underinsured with life insurance is the historical wage gap and income disparity between women and men. Traditional societal views may be another factor, as women have been seen as caregivers first and earners second. Inadequate resources targeting women and insufficient education on financial topics may also contribute to the discrepancy. Finally, misconceptions about access and affordability may lead many women to assume that life insurance will not fit their budgets.

What Do Women Need to Know About Life Insurance Today?

Life insurance can be a cornerstone for financial planning. This is what women need to know:

Life insurance is not only for breadwinners. It is a common misconception that life insurance is only needed for primary income earners. Women often provide contributions that go beyond a paycheck. The work of stay-at-home parents represents significant economic value. The costs of replacing services such as childcare and household management could significantly burden the family.
The sooner you buy life insurance, the better it is for you. Age and health are significant factors in determining life insurance premiums. Generally, the younger and healthier you are, the lower your rates will be. Buying life insurance in your 20s or 30s can lock in affordable premiums for many years or a lifetime.
Life insurance policies are tailored to match your situation: The two main types are term life insurance and permanent life insurance. Term life is generally more affordable. It provides coverage for a specific period, such as 10, 20, or 30 years. Permanent life insurance includes whole life and universal policies. Although more expensive, it provides lifelong coverage and builds cash value, making it a valuable tool for wealth-building or estate planning.
Plan for the future when considering coverage. In evaluating your life insurance needs, consider current and future obligations. Your financial responsibilities are likely to grow when you start a family or build a business.
The coverage provided by your employer may not be enough. Many employers offer life insurance as part of their group benefits package. Although this is a good place to start, it may not be sufficient. Most employer-provided life insurance policies offer limited coverage, which may fall short of providing for your family’s long-term needs. Furthermore, it is usually not portable, so you could lose it if you change jobs.

Securing life insurance is about protecting your assets, ensuring your family’s financial stability, and gaining peace of mind knowing you are prepared for the unexpected. Meet with our experienced agent for friendly and knowledgeable assistance in purchasing a life insurance policy that suits your budget and needs.

The Newlyweds’ Guide to Life Insurance

Marriage is about building a life together. Life insurance is a safety net that helps protect what you are creating. Although it may not be the first thing on your mind after the honeymoon, creating a strong financial plan should be high on your to-do list. Your financial strategy should include planning for risk and buying life insurance.

Why Should Newlyweds Consider Life Insurance?

After marriage, your financial lives are intertwined. If you are supporting each other’s career goals, sharing a mortgage, or planning to start a family, life insurance can be a cornerstone of financial security for the following reasons:

Income protection: If one partner dies unexpectedly, the other could be left shouldering financial burdens alone. Life insurance can allow the surviving spouse to maintain their standard of living without added stress.
Debt coverage: Shared debts, such as mortgages, car loans, and student loans (if you live in a community property state and the debt was incurred after the marriage), do not disappear if a spouse passes away. Death benefits from a life insurance policy can cover these obligations, so the surviving spouse is not left in financial distress.
Family planning: If you plan to have a family, life insurance can provide financial support for your spouse and future children, funding everything from daycare to college tuition.
Lower premiums: If you buy life insurance when you are young and healthy, you can lock in lower premiums, making the policy more affordable in the long run.

How Much Life Insurance Do Newlyweds Need?

Not everyone needs the same amount of life insurance. A general rule of thumb is to aim for coverage at seven to 10 times your annual income. However, as specific needs can vary, newlywed couples should consider their unique situations to determine the right amounts of coverage for them. Key questions to ask include:

What are your current financial obligations? Add up the total of your car loans, mortgage, and any other shared debts.
How much income would your spouse need to maintain their current lifestyle? Consider monthly expenses and how long your partner will need financial support.
Are you planning for future expenses? Factor in the costs of raising a family, saving for your retirement, and your financial goals and dreams for the years ahead

What Types of Life Insurance Are Best for Newlyweds?

After you have an idea of how much coverage you need, the next decision is what type of life insurance is right for you. The choice usually comes down to either of the following two types of policies:

Term life insurance: This is straightforward and affordable coverage for a specified period, such as 10, 20, or 30 years. It is a practical choice if you need substantial coverage, but your budget is tight.
Whole life insurance: This type of policy provides lifelong coverage and builds cash value over time. Although the premiums are higher, it doubles as a financial asset and a savings component to provide long-term security.

If you are newlyweds considering life insurance, speak with our friendly agent. We can help you find the best available life insurance coverage rates that suit your needs.

Should I Switch from Term to Whole Life Insurance?

Like most answers regarding insurance, the solid answer when deciding whether to switch between term and whole life insurance is, “It depends.” There are many reasons to switch from term to whole life insurance, but the decision must reflect your situation.

To Build Savings for the Future

Unlike a term life insurance policy, which offers no value after the specified period ends, a whole life insurance policy becomes a powerful asset over time. Not only does it offer a death benefit to loved ones when you pass, but as you contribute to it over the years, the policy accumulates a cash value that grows tax-deferred. When it has a specific cash value, you can borrow it at a low rate to cover the cost of home upgrades, college expenses, or any other personal needs.

Whole life insurance requires continued commitment. If you are uncertain if you can afford the premiums, term insurance is your best choice until your financial situation changes.

To Provide for a Lifelong Dependent

By converting from term to whole life insurance, you can ensure there is a death benefit available to support a lifelong dependent, such as a special needs child. A whole life insurance policy can create a special needs trust (SNT). An SNT will receive the death benefit funds on behalf of your loved one, providing the means for their living expenses and other needs.

To Reduce the Burden of Estate Taxes

If you are concerned about estate taxes, working with an insurance agent to craft a whole life insurance policy is a real benefit. Federal estate taxes are applied to individuals with assets over $13.99 million and mean losing 18 to 40 percent of your net worth in taxes. By creating a life insurance trust, your loved ones can access the funds they need—without being subject to probate or taxation.

To Continue Coverage Despite Health Problems

If the term of your life insurance is ending, and you have concerns about health issues, it is the right time to convert your term insurance to a whole life policy. Health conditions can increase your premiums in new life insurance policies. Many insurance providers do not require a new medical check when converting a term to a whole-life policy. To Supplement Your Retirement Funds

With term insurance, your coverage will end at some point, whether 20 or 30 years. Whole life insurance policies can be structured to provide you with an annuity (regularly spaced payments) when you reach a certain age. The annuity is paid out of the cash value in your account, providing you with more financial flexibility when you retire.

Ready to Make the Switch to Whole Life Insurance?

Term insurance is the lowest-cost option, but whole life insurance offers a higher level of security and can become an asset that can benefit you and your loved ones. If you are ready to make the switch, contact our office today. Our life insurance agent can discuss your personal goals and find the policy that best suits you, your family, and your budget.

Do I Have Enough Life Insurance? 6 Signs to Know if You’re Underinsured

If you are uncertain if you have enough life insurance, it is time to review your existing policy or, for some people, put a new policy in place. Life insurance is dynamic and needs to change with time. As you hit significant milestones, your insurance must match the changes. Here are some signs that you are underinsured.

You Never Calculated How Much You Need

While you may not have realized it then, you may have purchased your existing policy off face value. Maybe the death benefit seemed adequate, but did you ever calculate how much coverage you need in real-world numbers? If not, here’s a guide on how to count it up. First, list the following expenses:

Your debts
Your mortgage
Several years of living expenses for your surviving family
College costs for children
Other major expenses, like a wedding for a child
Medical bills
Cost of funeral and other death expenses

This calculation will allow your surviving family to continue living comfortably after your passing. During such an emotional transition, added financial stress can weigh heavily on your loved ones.

Your Annual Salary Has Increased

If you purchased insurance in your younger years when salaries were lower, you are likely now making many times what you did then. This is a clear sign you’ve outgrown your last policy. If your household expenses have expanded and reflect your higher income, your policy should be updated to match the current situation.

Your Family Has Grown

Adopting a child or welcoming a newborn to the family is one of life’s most rewarding events. It is also a sign your life insurance policy must be updated. You’ll want to ensure that this new family member is correctly named as a beneficiary to help secure their future well-being should a parent or parents pass away.

You Bought a New Home

Purchasing a new home is a thrilling milestone. With it comes all the joys, risks, and costs of owning a home. Ensure your existing policy covers paying off your mortgage; if not, it’s time for an update.

Your Spouse is Uninsured

If you are the only one employed in your household, you may need life insurance for your partner who stays home. If your partner provides essential contributions, like childcare, cleaning, cooking, gardening, maintenance, and other household functions, their absence could leave you needing thousands of dollars to cover the cost of these actions, with nowhere to turn. A life insurance policy will provide the means to care for dependents in a worst-case scenario.

Are You Underinsured? We Can Help.

If you’re in one of the above categories, don’t wait to ensure you have enough life insurance to support your family when they need it most. Our life insurance agents are available to help you make a decision that suits your budget and your family. Call today to schedule a consultation to ensure you get the right coverage for your needs.

When Should You Buy Life Insurance?

There is no one-size-fits-all answer to the question, “When should I buy life insurance?” Let’s look at a few valuable guidelines to help you decide. Generally, buying a life insurance policy when you are young and healthy is recommended. There are multiple factors to consider in any case.

If You Buy Insurance While Young:

Buying insurance when you are young and hopefully in good health allows you to lock in a lower premium that will stay with you for the rest of your life. It is almost as though the insurance company takes a snapshot of your current age, medical history, habits, hobbies, and level of risk when you first enroll and never changes it.

The possible downside of purchasing insurance in your 20s, 30s, and even early 40s is that when with whole life insurance, you will be paying premiums for longer—but are building an asset. Then there is the case of term life insurance, which only covers a specific period, for example, 30 years. If you purchase a 30-year policy at 30 years old, at 60, you will find yourself with no coverage and possibly a less-than-optimum physical condition, making it harder to acquire a new policy at a low cost.

If You Buy Life Insurance When You Are Older:

Shopping for life insurance in your 50s, 60s, 70s, and older can be much more difficult. On the upside, one could theorize that premiums will only be required for a shorter time, which could save you money. Few insurance companies won’t issue a new policy to adults in their late 60s or 70s. While most insurers are willing to do so, you can expect premiums to be much higher due to the insurance companies’ increased risk. Enrolling in an insurance plan during your prime income-earning years is a smart option.

How Do I Find the Lowest Premiums?

The simple answer? Start early. Insurance works by pooling the resources of a group of people to manage risk. If everyone waited to buy insurance until they became ill or developed physical problems, the company wouldn’t have the funds to pay claims. That’s why insurance companies generally reward people who are young and healthy for starting earlier by granting them lower premiums. Doing so expands the “risk pool,” making it easier to cover the small percentage of people who require assistance when needed.

Considering Purchasing a Life Insurance Policy? Now’s the Time.

Young or old, healthy or not, sooner is usually better when purchasing a life insurance policy. If you still have questions, don’t hesitate to call us. Our agents will happily answer them and help you understand your options for finding the right plan for you. Don’t let your policy wait; now’s the time.

A Life Insurance Checklist for Small Business Owners

Life insurance can be a surprising benefit for small business owners. Whether you run an enterprise with many employees or are a one-person show, much is at stake. If you or an essential team member passes away unexpectedly, it can lead to severe financial stress or even shuttering a successful enterprise.

How Can Life Insurance Help Small Business Owners?

In the event of an untimely death, life insurance can help small business owners:

Avoid liquidation
Pay estate taxes
Provide income for loved ones
Continue delivery to customers
Smoothly transfer ownership between partners

Types of Small Business Life Insurance Policies

Understanding these main types of business life insurance can help you make the right choice for your company.

Personal Life Insurance

The simplest form of insurance for small business owners with no employees is personal life insurance. If you provide the primary source of support for your household, an individual life insurance plan will likely be enough to cover your needs. When purchasing a policy, consider how much coverage will be required to manage your debts and provide living expenses for your family after you are gone.

Key Person Life Insurance

Key person life insurance protects a business when one of its vital employees passes away. Some small companies heavily depend on one or more staff members who fill a significant role in the company’s success. Examples include the lead programmer, a partner, a top salesperson, or the leading attorney in a family law firm. While these persons may feel irreplaceable, key person life insurance allows you to rebuild and cover the expenses incurred due to their passing, such as locating, hiring, or training a replacement and keeping the company viable during the transition.

Buy-Sell Agreement

A Buy-Sell agreement provides a clear map for management if an owner or co-owner dies, departs, or becomes disabled. The agreement lays out the smooth transition of power to the other partner or a key employee and allows them to buy out the deceased’s stake in the company. Ask your insurance agent about buying a policy for your partner and have them buy one for you. This way, when a partner or owner dies, the other has the funds to buy out your share of the company.

Group Life Insurance

Group insurance policies can be an effective way for small business employers to reduce their tax burden; some premiums paid by the company are tax-deductible as business expenses. As an added benefit, group insurance plans can help attract and retain top talent in the workforce.

Steps To Insure Your Small Business

Determine the coverage you need.
Choose a type of insurance.
Get competitive quotes.
Sign up with the best offer.

Protect Your Business and Your Peace of Mind with Life Insurance

Sometimes, getting a good grip on the available insurance plans is easier said than done. Our agents can help take the legwork out of the equation for you. We can offer you various options and competitive quotes from different plans, all in one place. Allowing you to take the vital step of deciding what works for you, your family, and your business. Call today to discuss your needs and get tailored quotes to help you protect your business and peace of mind.

New Year’s Resolutions for Policy Holders

The New Year is traditionally the time we make decisions about the future. Most New Year’s resolutions focus on personal health or family and business goals. Don’t forget to include greater peace of mind and security for yourself and those you love as part of your New Year’s list. By reviewing your policy coverage and making the necessary changes based on your other annual targets, you will be well on your way to having a happier and more secure New Year.

Three Steps to Start Your New Year’s Insurance Policy Review

Changes are ahead, but are your personal insurance policies up-to-date? When you sit down to write out your New Year’s resolutions, be sure your policy matches your current situation by doing the following:

Review your coverage: If you have not recently reviewed your insurance policies, it is time to look at what is covered and at what value.
Note needed changes: As time passes, life comes with changes. It may be time to get more coverage, new coverage, a better deal, or another change that would benefit you.
Fill in the gaps: Contact one of our local insurance agents to help you understand the fine print on your existing insurance and discuss new options.

Do My New Year’s Resolutions Affect My Insurance Coverage?

Yes. Every life change is also an opportunity to ensure insurance protects you against avoidable losses. Here are some big decisions that may be on your list this year that will affect your coverage.

Improving your health: If you’re embarking on a major weight loss journey, the good news is that this could lower your risk rating and policy premium. Some health insurance also offers coverage for weight loss programs; ask your agent if you are unsure about yours.
Saving money: Some life insurance policies provide a cash value component that acts as a savings cushion that can be used in times of need.
Taking a road trip: Many choose to engage in this adventure, but it is always better when carried out with a reliable safety net of personal and auto insurance that covers any potential mishaps along the way.
Getting married: If you are looking forward to getting married in the next 12 months, be sure that you are ready to expand your coverage to include your spouse.
Growing your family: Children bring so much life and joy and many future responsibilities. Ensure your coverage is expanded to include considerations for your child’s future education. Our agents can also help you set up a life insurance policy for your child that will grow with them.
Buying a home: If you are taking the big step towards home ownership in 2025, congratulations! Home insurance can ensure that your home is protected from fires, floods, earthquakes, and other risks. Our agents can walk you through everything you need to know.
Remodeling an existing home: If you’re considering adding an extension or renovating your kitchen, your property’s inherent value will increase, and your policy will need to be adjusted appropriately.

Make Your New Year’s Resolutions a Big Success with Proper Coverage

As you set out to make your New Year a successful one, don’t forget one of your resolutions should be peace of mind for you and those you love. Following these guidelines and talking with one of our agents about any gaps and changes in your coverage for 2025 will help set you up for a truly happy and safe New Year.

Category: Life Insurance