Identity Theft

Identity Theft

While our job is to help you insure against many hazards including Identity Theft, prevention should always be our first line of defense. With that in mind I wanted to pass on some information which the BBB recently provided to me… “Over half of identity theft victims can trace the theft to something that was stolen from their possession. So here’s the first rule: If you don’t need it, shred it – responsibly. Better...

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Distracted Driving Awareness Month

Distracted Driving Awareness Month

April has officially been named Distracted Driving Awareness Month. I am not so sure I agree that new legislation needs to be written, but I certainly agree that an ounce of prevention is worth pounds of cure. Yes, insurance is there to help with the financial cconsequences of terrible accidents such as those portrayed in the aattached video, but it can’t restore permanent injuries or bring back the life of a loved one. Distracted driving...

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Term Vs Whole Life Insurance

Term Vs Whole Life Insurance

Which is best for your situation? It depends on your reason for buying. When Is Term Insurance Best? Term Term Insurance is useful for providing short term protection and is always the least expensive option because you are simply paying to insure against death occurring in the next year.  At the end of the term ( year ) if you choose to renew the policy, it will be at a higher rate. If you have an upcoming expense that you would like to insure...

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Spring Water Pipe Check

Spring Water Pipe Check

Yeah, warmer weather! No more frozen fingers, frozen streets, and frozen pipes! But all you homeowners beware. Sometimes the pipes leading to your outdoor faucets may have frozen and cracked and you don’t find out until you turn the water on for the first time. When you turn the water off and find the puddles in the basement or the crawl space you may have already incurred some damage. So, when you turn your outside faucets on for the...

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