Category Archives: Finance Guide

Referring is an essential part of your insurance business. You can’t afford to not do it. Focusing on the natural market is a key strategy for most insurance agents to succeed in their first year of insurance. Many agents quit after exhausting their natural market and finding no one to sell to. Referring people is key to […]

Are you a member of the Homeowners Association (HOA)? Do you know what D&O insurance is and whether your HOA needs it? Directors and Officers (D&O) insurance is designed to protect board members, property managers, and other individuals in positions of authority within an organization from legal action. In this blog post, we will explore […]

According to the NOAA 2020 was a record year for natural catastrophes. September saw the end of the annual 21-name hurricane list. The remainder of hurricanes were renamed using the Greek alphabet for the second consecutive year. A few hours or a few days of preparation can make a difference to the extent of damage to your […]

While the average American only spends 2.4% of their annual earnings on car insurance it is $140 per month. This makes sense, so most drivers try to save as much money as possible. There are many ways to lower this expense, regardless of whether you live in an area with the lowest car insurance rates. While finding affordable carriers can be […]

Car insurance is required for most U.S. drivers. You may wonder how much you will pay for a policy because it is a mandatory purchase. Although it is impossible to predict how much car insurance will cost you, you can find out what factors affect your car insurance rates. This information will help you determine which individual rating factor may […]

MetLife insurance is most well-known for its employer-sponsored coverage. However, they also sell direct to individuals. While most insurance companies offer home and auto insurance, MetLife offers life, disability and vision insurance. However, some coverages are not available outside the workplace. Zurich Insurance and Farmers Group completed the MetLife acquisition in April 2021. Customers will continue to […]

All registered vehicles are required to have car insurance in most states. While the amount of insurance required varies between states, there are certain mandatory coverages that stay the same in almost all cases. One such coverage is liability coverage. On average, liability-only insurance costs $565 annually. Your liability coverage covers the cost of damages incurred by another […]

The Federal Highway Administration reports that Missouri has more than 5.5 millions registered vehicles. St. Louis residents often share their roads with tourists and sports enthusiasts, which can lead to more car accidents. In 2020, 171 people were killed in St. Louis County and the city of St. Louis due automobile accidents. This account accounted for 17.29% statewide traffic deaths. […]

Insurance companies consider your age, gender and driving record when calculating coverage and premiums. Statistics have shown that certain age groups are more likely to be involved in accidents while driving. This statistic is why insurance companies will raise premiums for the 18- to 25-year-olds. However, the company could reduce premiums if drivers are careful […]

California is known for its beautiful beaches, Hollywood stars, and carefree culture. However, more than 4 million acres were destroyed by wildfires in 2020. According to the California Department of Forestry and Fire Protection annual statistics, 2020 has more than doubled California’s previous record for wildfires per year. These wildfires are responsible for billions in damage each year. The […]