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Trinity Insurance Company offers annuities that provide both income security and tax benefits during retirement. Their official plan documents and summary plan descriptions outline each annuity contract’s details. Trinity Life Insurance Company Value Builder policies allow you to start building wealth earlier. Talk with your agent now for more details! Variable Annuities Annuities, like any […]

FHA mortgage insurance (MIP) can be costly and difficult to remove from loans backed by FHA. Similar to PMI on conventional loans, MIP charges a costly upfront and monthly fee that protects lenders against borrower default. As opposed to PMI, which can be automatically cancelled when homeowners build 20% equity in their homes, MIP requires […]

U.S. military personnel and their families often praise the United Services Automobile Association (or simply USAA) for its worldwide accessibility and dedication to customer service. USAA was founded in 1922 by 25 Army officers to help each other insure their vehicles. It has grown to more than 13,000,000 members and strives to be the financial services provider of […]

Some people refer to comprehensive coverage as “other than collision”. This is because comprehensive coverage covers almost all possible problems that might occur with your vehicle, except collision. Comprehensive coverage is an insurance policy designed to protect your vehicle from all kinds of damage and loss. Fire, theft and explosions, floods and explosions, malicious damage, vandalism, Hailstone […]

You may have had to go through the insurance claims process once before, or you’ve been in an accident. These six tips are from professionals who can help you ensure that your claim is paid. You may have heard some of these tips before but may not have realized why. 1. Take pictures of the scene and […]

Many clients have questions about whether they should buy long-term insurance or self-insure. If you are able to afford self-insure, based on your financial planning, the decision comes down to whether or not you want to share the risk with an insurer. If possible, the goal is to eliminate the worst-case scenario. There are many long-term care […]

Before you are eligible for taxi insurance, there are some conditions you must meet. These conditions are intended to protect both the driver as well as the insurer. They might offer you a different package, but at a higher rate than other providers, if you don’t meet these conditions. The next step is to calculate the benefits and […]

Even though there aren’t many differences between private and business auto insurance, it’s important to note that the difference is not so obvious when the same driver uses the car for personal and business purposes. Many auto insurance companies recommend that a company owner purchase normal personal auto insurance for their car if there is only […]

Med Pay (Medical Payments Coverage) and PIP (Personal Injury Protection Coverage) are first-party coverages that apply to the insured, their passengers, and sometimes other people. In states with no No Fault laws, Med Pay can be found. PIP is available in states where have no Fault laws. Med Pay will usually cover reasonable medical and funeral […]

Own occupation disability policies define being disabled as being unable to perform the material and substantial duties associated with one’s regular occupation, regardless of any transitional provisions within a policy. This could either be defined strictly as own occupation disability or transitionally as own occupation disability. Skilled workers requiring physical requirements typically opt for own-occ […]