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Individual Health Insurance

February 13th, 2012No comments »

Individual Health Insurance Individual health insurance coverage is generally more expensive than group health insurance. Like any company, which purchases in bulk to save money, a group that purchases health insurance together will also save money. The most common type of group insurance is that which is offered by your employer. Typically the employer will pay some part of the cost of that insurance. But, that employer provided insurance might not meet all the needs of the employee. This is where individual health insurance is most commonly needed. By purchasing supplemental health insurance, employee is better able to weather the extreme costs of health care. If you are self-employed, you should see if your profession has an association, which offers a group insurance policy. Failing that, you can reduce your health insurance costs by raising the deductible. For more information about individual health coverage, contact an insurance expert. This information is general in nature and should not substitute for the advice of and expert in the field. Contact us at Assurance Insurance Agency or give us a call today at 1-800-897-1395.	Personal Insurance
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Renters Insurance

February 6th, 20121 comment »

Retail & Distributors	Renters Insurance Apartment renters need special insurance to protect their belongings. This type of insurance covers your personal property at home and away form home. The policy insures your personal effects against 17 perils including: smoke, fire, lightening, burglary, vandalism, riot or civil commotion, explosion or electrical surge damage, windstorm or hail, falling objects and other similar hazards. You’ll also receive financial protection against claims or suits brought by others for accidental bodily injury or property damage suffered while in your apartment. The policy covers all members of your family and your pets. If an accident with Fido leads to a lawsuit, you’ll be covered by your Renters insurance. Keep in mind, some insurance companies are skittish about writing policies for owners of certain ferocious breeds such as Rottweilers, pit bulls and Doberman Pinschers. You might be able to save some money on your premiums if you haven’t had any claims in the past three years, if you home has smoke detectors or fire extinguishers, if the home is less the 10 years old, if you’ve installed a burglar alarm or deadbolts, or even if you’re a senior citizen. This policy provides exactly the same coverage, as homeowner with the exception there is no coverage for a building. Be sure to ask about any other discounts when you’re getting a quote. Contact us at Assurance Insurance Agency or give us a call today at 1-800-897-1395.
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Home Owners Insurance

February 1st, 2012No comments »

Homeowners Insurance There are six basic types of home insurance policies. Regardless of what state you live in, except Texas, the policies are very similar. Each is defined by the perils it covers. The HO1 Policy covers the basic home and it’s contents. The dwelling itself is covered and all personal property is guarded against losses from eleven types of perils. If your home burns down or is struck by lightning, you are insured against the loss. Other disasters covered include windstorm, hail, volcanic eruption or an explosion. If your home or property is vandalized or if you are robbed, the insurance company will reimburse you for your loss. Your home is also protected against damage from riots or civil commotion. And if any vehicles or aircraft do damage to your property, you will be paid an amount equal to the cost of rebuilding. If you have a mortgage on your home, you are required to have home insurance. These policies are usually very basic and you may want to consider adding special provisions for valuable personal items, such as jewelry or computers. Many homeowners add coverage against natural disasters not covered in the basic policy, such as earthquake or flood. Contact us at Assurance Insurance Agency or give us a call today at 1-800-897-1395.	Personal Insurance
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Whole Life Insurance

January 25th, 2012No comments »

Whole life insurance is a permanent level of insurance protection. It is in effect from the policy issue to the death of the insured. This type of life insurance carries level premiums, level benefits and cash values. Whole life insurance combines insurance protection with a savings element. The policy’s cash value builds, increasing each year the policy is in force. This is often referred to as the “cash surrender value”. The amount of the policy’s cash value depends upon 3 factors: The face amount of the policy. The duration and amount of the premium payments. How long the policy has been in effect. Whole life insurance was designed to mature at age one hundred. The number 100 is an actuarial assumption, because every insured is presumed to be dead by then. For those who are lucky enough to live to age 100, the company will issue checks for the full value of the policy. Another benefit of whole life insurance is the fact that the policy owner has access to a ready source of funds that he can borrow at reasonable rates. Contact us at Assurance Insurance Agency or give us a call today at 1-800-897-1395.	Retail & Distributors
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Variable Life Insurance

January 10th, 2012No comments »

Variable life insurance is permanent life insurance with many characteristics of traditional whole life insurance. Policyholders of variable life insurance select how the cash values will be invested. The cash value will, naturally, fluctuate in relation to the investment performance of the equities selected. Consequently, the cash value is not guaranteed, as it is in traditional whole life insurance. The cash value of the variable life policy becomes a part of the death benefit. A minimum death benefit equal to the face amount of the policy is guaranteed. Because there is a risk involved with variable life insurance, the federal government has labeled it a “security”. State insurance departments and the Securities and Exchanges Commission regulates it. For more information on variable life contact us.	Personal Insurance
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Happy New Years from everyone at Assurance Insurance

January 2nd, 20121 comment »

Happy New Years from everyone here at Assurance Insurance	Contractors
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