September was Life Insurance Awareness month. Most people don’t think about life insurance until they marry, have children, adopt and for some, until it’s too late. There are different types of life insurance. There are term policies and cash value policies. Many times the reason people don’t look into life insurance is because of the cost. They feel like they have bills or other priorities and they will look into life insurance later. There are people who have life insurance as part of their benefit package at their workplace, but what if you were to lose that job? Sometimes those policies are transferable, but in a job loss you may not continue the policy as you will have to now make the payments.
Term life insurance is reasonable and flexible. You choose the length of time you would like to carry the policy 10,15,20, 25 years and how much coverage you will need. There are so many things to consider before choosing a policy. First you have to decide who will be my beneficiary? That will depend on who relies on you and your income – a spouse, children? What would their needs be if I die unexpectedly? Would they need to pay off the mortgage? Would they need money to supplement my spouses income? Am I currently the sole provider? Am I a stay at home mom/dad? Would there be child care expenses? How would future education costs be covered? How would my funeral expenses be paid? Yes, even a stay at home mom/dad needs life insurance. If you add up all the hours they put in and all of their duties…their salary would be well over $100,000 a year.
Clearly the best time to get life insurance is when you are young and healthy. That is when you will get the best rate. The most beneficial part of life insurance is the piece of mind knowing your family is protected. We all hear stories about people who lose their spouse at a young age and have small children. That should be our wake up call to research life insurance today and find a way to fit it into our budget. Once you make the decision to purchase life insurance the process is simple and an agent can walk you through all the steps.
Your agent can price out various terms as well as coverage, so you can find a policy that fits your needs and your budget. Freedom Insurance Group Inc. currently writes life insurance through The Hartford and Grange Insurance companies. Go to our website and click on http://www.freedom4insurance.com/life-insurance.html to find out how easy it is to get life insurance, or call 215-673-0300.
When you think Road Trip, you think adventure, singing in the car, anticipation and creating fond memories. Add kids to the mix and suddenly Road Trip may not carry the same meaning. Things can go down hill pretty quickly if you are not prepared.
Besides the dreaded question, “Are we there yet?” and “Im Bored.” a war may break out in your car if the kids aren’t getting along. Which also becomes a safety hazard when you are driving. You can become distracted without notice. Therefore, it is important to take the necessary precautions.
When you prepare for a road trip, you typically ask yourself these questions; Is my vehicle properly maintained and ready for a road trip? Have I checked my tires, tire pressure, windshield wiper blades, gotten an oil and filter change? Do I have my owners card and insurance card in the glove compartment? Do I have roadside assistance? (If not, do you know that for only a couple dollars a month you may be able to add roadside assistance to your insurance policy? Companies like Safeco and Progressive offer this service to its policy holders.) Do I have a navigation system, map or my route planned out? Do I know where the rest stops are to refuel or use the rest rooms? Did I pack my cell phone, charger and car charger? Do I have a first aid kit? A spare tire or roadside emergency kit? If you are bringing kids ask yourself these questions as well….. Did I pack movies, books on disc, books, card games, hand held video games? Do I have a cooler with drinks, snacks and sandwiches if I am not stopping for a meal?
Do I know any back seat games the kids can play in the car?
If you haven’t played car games while on a long drive here are some you can plan on: I spy, 20 questions, name that tune, the picnic game, and various versions of games using out of state license plates. If all else fails, you can always turn on the radio and start belting out the tunes! Remember when it comes to kids, they are best behaved when they are occupied and enjoying themselves. A little preparation goes a long way and the ride will certainly become part of the fun and fond memories!
If you are 50 or older and were a licensed driver at 16, do you realize you have been driving for over 34 years? When you are on the road safety is important. Driving provides us great independence, just ask someone you know who doesn’t have a driver’s license and has to rely on others to drive them around.
We all know our skills can diminish over time. AARP has developed a Driver Safey program for motorists that are 50 years or older which may benefit you or a loved one. The program teaches safe driving practices, in addition to tips on how to compensate for some changes in your hearing or vision. AARP currently offers an online program. You can find out more information by going to www.aarpdriversafety.org. If you prefer traditional classroom instruction, Bucks County Community College in Newtown PA is offering the program in the fall as well. This program is available for AARP members as well as non-AARP members. Upon successful completion of the program, you will receive a certificate. This may entitle you to receive a discount on your auto insurance. Your independent insurance agent can let you know if your insurance company offers this discount.
If you have already taken the course and feel you could use a refresher they have a refresher course as well. To enroll in the refresher course you would just need your certificate or a letter/bill from your insurance company stating you have successfully taken the AARP driver safety course.
You insure your vehicle. Take the time to help ensure your safety while driving as well.
Give Progressive a snapshot of your driving usage and you could earn up to a 30% discount on your auto insurance. Snapshot SM is Progressive’s pay-as-you-drive program. If your driving is minimal, you don’t slam on your breaks often and you drive safely during the “safer times” of the day, you could save Big!
How does it all work? First you enroll in the program which is free. In 7-10 days Progressive will mail out the Snapshot device to you. Simply plug it in and drive. This device is tracking the time of day usage and vehicle speed in order to determine miles driven. The device does not track if you are going above the speed limit or your vehicle’s location, as it does not have GPS technology. In about 30 days you will find out if you qualify for a discount, (which is finalized upon your renewal) the best part is….your rate can’t go up. This is available for cars built in 1996 to the present. You can log into your policy to review your driving habits and get an estimate of a possible discount. The program is available in Pennsylvania and so far there is no technology fee assessed, as there are in some other states. You can cancel at any time.
This sounds like a great program for Stay home moms, telecommuters and retirees. Is this the new era of determining our Auto insurance rates? This technology could override current underwriting guidelines in the future…we’ll just have to wait and see. So if you think this program is for you …give it a try. Call your Freedom Insurance Group agent today to get more information at 215-673-0300.
How important is your insurance agent? More important than you might think. When you go to purchase car insurance, homeowners insurance or life insurance…where do you begin?
First you need to find a local agent. They know the area you live in and the type of risks and/or what can effect your insurance policies.
Now it’s time to check references. Have they been referred to you? Do they have a good rating with the Better Business Bureau? Do they belong to professional associations like the IIAB? How many Insurance companies do they represent? Chances are if they represent several insurance companies – big insurance companies find them reputable and trustworthy to represent their insurance products. Does the Independent Insurance agent offer A+ companies like Travelers, Safeco, Progressive and the Hartford? The answer should be yes. You want a stable insurance company that has been in business a long time and is stable. This way in the event you have any insurance claims to recover, they will pay.
Next step is getting a quote. A good agent will quote your insurance apples to apples. This way you can see if you are truly saving money. Some not so good agents will leave off coverages you currently have and need, to make it appear as though they are saving you money. You don’t want that. You want a good agent that will explain coverages thoroughly before you make your decision.
You also want an Independent Insurance Agent that works for you. This way if your rates go up significantly they can quote you in the other companies they represent to get you the same or better coverage at a good rate. When your agent is appointed to 10 or more A+ companies that is good for you, the customer. This way you can stay with an agent you are comfortable with and trust. In this case, you won’t have to provide a new company with all your information and take a chance on not getting quality customer service.
Do your homework. You don’t want to find out you chose the wrong agent when you go to put in a claim for a loss and realize you do not have the appropriate coverage. Here is an example: You’ve always had coverage on your homeowners policy for you engagement ring. You loose your ring and your new policy has general jewelry coverage of $1000. Your ring is worth $10,000. You have a $500 deductible. You are now out a ring and will only get $500 for your claim. A good Insurance Agent would have added a rider to your policy for the ring and made sure you had a current appraisal on the ring.
Take your time when shopping for Car Insurance, Homeowners Insurance, Renters Insurance and Life Insurance. These are important decisions that you must make with the help of an experienced, trustworthy Insurance Agent.
Sure , you probably have auto,home and life insurance but do you have an umbrella policy to protect your assets? You have worked so hard to build a life for yourself why not protect it. A personal umbrella policy can help protect your future from the unknown. Make the call today to ensure you and your family are protected. Call Freedom Insurance Group at 215-673-0300 or visit our website at freedom4insurance.com
Why not make your life simplier? Did you know you can have all of your auto, home, renters, life and umbrella insurance needs met with one call to Freedom Insurance Group? We are the single source for all of your insurance needs in Pennsylvania. Call 215-673-0300, stop by 3308 Grant Ave in Philadelphia, PA or log on to www.freedom4insurance.com.
Freedom Insurance Group, Inc. is currently celebrating their 10th year in business in the Grant & Academy Shopping Center. Freedom Insurance Group is an independent agency focusing on automobile, home and life insurance. Owner Anita Allegrezza has over 25 years of experience in sales, service, and operations in the insurance industry. They have knowledgeable professionals who really listen to you, answer all of your questions, and help you choose the right coverages for your individual situation. Just one call to Freedom Insurance Group and a consumer can get quotes from over 10 A+ rated insurance companies, saving you time and money. Saving money is just the beginning. They continually review their customer’s policies every six months to ensure they are getting the best coverage at the best price. Check out their “Money Saving Checklist” online at freedom4insurance.com to see if you are getting all the discounts you deserve. Call today for a free quote to see how much money you can save. Like Freedom Insurance Group on Facebook for a chance to win an emergency roadside kit during the month of February. Also feel free to stop in on Friday’s in February for cookies and cocoa. Freedom Insurance Group can be reached at 215-673-0300.
If you have the misfortune of being involved in an auto accident make sure you have the necessary information to help your claim process quickly and correctly. You should have your insurance information and registration in your vehicle. Be sure to exchange insurance information with all involved. You want to copy the other people’s name, name of insurance company along with policy number, write down the date and time and location of accident. If you have a camera or phone take pictures of the accident. If you have any questions, as always, feel free to call 215-673-0300 we are here to help you.
Is your car ready for Jack Frost? Some things to consider to be ready for the winter months are checking the fluids in your car, be aware of your fuel gauge. Have a scraper ready for the windshields. Check your tires pressure and tread to ensure quick braking time and good traction. Having a blanket, snack and water bottle would also help if you are stuck in traffic. Be kind to your cars battery allow extra time for your car to warm up before you go on your travels. Be alert, be cautious and most importantly, be safe.