How much life insurance do I need?

meet-life-agent

Your agent can use software to help you determine how much life insurance you need.

Once you have decided to purchase life insurance, the next question to answer is how much to purchase.

Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase enough to pay off a home mortgage or other major bill. And some stick to the tried-and-true measure of 10 times salary.

But there are other methods to consider. You can complete a fact finder/needs list or use a life insurance calculator. Read More

The premium audit: Calculating a fair price

calculator-and-ledgerInsurance coverage you select now covers your business during a future term. The rates you pay for coverage are intended to reflect your business’s actual exposure to risk during that future term.

For some lines of insurance, like workers’ compensation, general liability or garage liability, exposure is measured by your payroll and sales and other factors that can be difficult to predict precisely. What happens if you overestimate – or underestimate – future payroll, sales, subcontracting cost or other variables? How can you be sure of paying a fair price?
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Friendly fires: Tips to safely use a fire pit

fire-pit

Use fire pits away from
any structures.

Fire pits and chimeneas have become very popular and are widely available for sale at garden and home stores. As you enjoy these products on a cool, fall evening, it is important to use them safely. Please keep these guidelines in mind:

  • Please check with your local municipality to determine if these devices are legal or whether a permit is required. Determine whether a cover is required for a fire pit.
  • Observe any burning bans or Red Flag warnings in your area, and comply with any ozone warnings that may be in place.
  • Place a chimenea or fire pit securely on a flat surface that is non-combustible. Do not place directly on a wooden surface.

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