Category Archives: Finance Guide

Culture and process first; then technology Technology is helping independent insurance brokers and agents gain efficiencies. Vendors and carriers are implementing real-time communications to increase efficiency. With so many processes automated and keystrokes eliminated it is a great time to reflect on the true value of an independent agent. This value revolves around sales. Without a sale, […]

Time and time again, the federal government has imposed the requirement that you have valid insurance coverage. These ideas can help you save a lot on your renewal premium. You are eligible for a No Claim Perk if you have a year of no claims. This is due to your outstanding driving skills. Our company believes that […]

Split-dollar life insurance is a great benefit and estate planning tool. Here are the facts. Split-dollar insurance is a contract between two parties that shares the benefits and costs of a permanent insurance policy. Split-dollar plans are often between employees and employers. The executive compensation package will include the split-dollar plan. These packages became less common after a […]

Are you considering living off the grid? Perhaps you’ve already taken the plunge and are enjoying the freedom and self-sufficiency that comes with it. However, one question that often arises is whether or not your off-grid home is covered by insurance. After all, unexpected events can happen even when you’re living a sustainable lifestyle in […]

Agents are required to gather all information about the insured risk in order to fulfill their fiduciary obligations to clients. This involves asking several questions about the characteristics of the risk against which the insured wishes to obtain insurance. The agent must translate all the information to the underwriter for the carrier to which they wish to […]

Many mortgage lenders require homeowners insurance. Numerous states require truck and car insurance. No one needs umbrella insurance. An umbrella policy is not sold by insurance agents. You will need to bundle it with your auto and house insurance. Contact us to get it. Umbrella insurance protects you against liability that is greater than your car insurance and property […]

As we age, the possibility of needing long term care becomes more and more real. Long term care insurance is an option that can provide peace of mind for both you and your loved ones in the event that you require extended medical assistance later in life. But who should consider investing in this type […]

Are you prepared if someone gets injured on your property or if you accidentally damage someone else’s belongings? Personal liability insurance can protect you in these scenarios, but how much coverage do you need? It’s a question many people overlook when purchasing insurance. In this blog post, we’ll dive into the details of personal liability […]

All the main reasons why insurance card design is important are listed below. These are the main points. Post cards you send are not advertising for insurance companies or to win a trip. It has remained true to its primary purpose all along. Its main purpose is to GET THE MAXIMUM REPONSE. Direct mail pieces are not meant to sell […]

Starting a business is always an exciting and risky venture. As an entrepreneur, you have to make sure that your company complies with all legal requirements, including having the necessary licenses and permits. One of the most critical aspects of running a business is protecting it from potential risks that can cause financial ruin or […]