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Whole Life vs. Universal Life Insurance: What's the Difference?Two popular types of permanent life insurance policies are whole life and universal life insurance. That is, they are intended to extend coverage for life - or for far beyond the coverage available under a term life policy. -
Getting Married? Don't Forget to Update Your InsuranceWhen your wedding day draws near, the last thing you want to think about is insurance, but with marriage comes combining your assets - and your risk. Your insurance policies should be updated to reflect that. -
Preparing for Fall and Winter StormsAs autumn's increasingly unpredictable rains and storms give way to winter and its own wild weather, be sure to check again to make sure your home is properly protected. If a particularly heavy storm hits, you could lose outdoor furnishings or see parts of your house damaged by the weather or falling trees or branches. Additionally, you could lose power for minutes, hours, or in some cases days if the electrical grid is damaged badly enough. -
Training Your Driving Staff for Slippery ConditionsThough saying so may seem redundant, it’s a good idea to hold a training session on driving in the rain. Such a session is an important exercise to reinforce the importance of being extra careful when the roads are wet, particularly if it has not rained for some time. One-quarter of speeding-related large truck accident fatalities happen in rainy or other poor weather conditions, according to the Federal Motor Carrier Safety Administration. -
Preparing for Delays in Postal ServiceThe U.S. is facing longer delivery times for first-class mail changes implemented by the U.S. Postal Service on October 1, 2021. Prepare for these changes, and expect delays in mail and parcel delivery. Most of all, be aware that if you’re sending checks close to a deadline, they may not arrive on time under the new delivery standards. -
Insuring Your Vacation PropertyIf you’re considering buying a nice place by the lake or up in the mountains where you won’t be living permanently, you’ll need insurance that is specific to a vacation property, a policy that is slightly different from a typical homeowners policy. -
Preparing Your Home for AutumnIt’s the most wonderful time of the year… to take the time to get your home ready as the temperatures start dropping and we anticipate harsher weather. Taking steps now to protect your home and belongings can help you enter the new season worry-free, and you might save money in the process. -
School Zone Driving SafetyWith school back in session and most institutions open for in-person classes, traffic may be congested outside schools early in the day and later in the afternoon as parents drop off and pick up their kids. -
The Importance of Training Employees from the StartFor all new hires and those given new job assignments, OSHA requires employers to provide training. This includes whenever new substances, processes, procedures or equipment are introduced to the workplace and represent a new hazard or previously unrecognized hazard. -
Can Your Insurance Keep Up With Rising Home Repair Costs?As the cost of buying and installing home building supplies goes through the roof, you may find yourself without enough insurance to rebuild should disaster strike. -
Protecting Your College Student’s PropertyAs your child leaves for college, one option for a little more peace of mind is insurance to protect your child’s possessions. -
Four Homeowners Coverages You May Not Know You NeedWhen you own a home, there may be circumstances or property that your insurance doesn’t cover. -
Beware of 'No-Exam' Life InsuranceInsurance carriers are also offering “simplified issue” policies, including life insurance that does not require an exam. That may be convenient, but it may not be a great deal for you - especially if you have less-than-perfect health. -
Builders Risk and Umbrella Insurance Pricing Climbing FastInsurance rates are rising rapidly for contractors, especially for Builders Risk and Excess Liability policies as the cost of claims continues to increase dramatically. Pricing for excess liability and umbrella coverage have, in some cases, doubled from the year prior. -
How an Umbrella Policy Can Save You from RuinAn umbrella policy, often referred to as excess liability coverage, kicks in when the underlying limits on your homeowner’s or auto insurance policies have been exhausted, or if you are sued personally for something that neither your homeowner’s nor your auto insurance covers. -
Eight Natural Ways to Brighten Your MoodIt’s normal for our mood and energy levels to fluctuate every now and then. However, those changes can affect our daily routines, including how we normally function in our everyday lives. -
Pandemic Fatigue in the WorkplaceAs we continue to trudge through the pandemic and wait for the vaccines to pave the way out of COVID-19, employers are increasingly seeing the effects of pandemic fatigue among their workers. -
Car Insurance and Animal CollisionsOne of the most unpleasant accidents for a motorist is hitting a deer or other animal. Additionally, if you live in or are ever driving through a rural area, there is always a chance of stray livestock wandering onto the roadway. As deer and livestock are fairly large, the damage to the vehicle can be substantial. -
Signs Your Child May Need More Support During the PandemicWhile the COVID-19 pandemic has been stressful for everyone, many children and teens are having an especially difficult time. They're struggling to deal with the lack of activities and social interaction, especially if they are attending school online. Depression has skyrocketed as a result of isolation, lost jobs, and/or the illnesses or deaths of family members who have contracted the coronavirus. -
Focusing on Eye Safety in the WorkplaceThousands of Americans are blinded each year by work-related eye injuries that could have been prevented with the proper selection and use of eye and face protection. Eye injuries alone cost more than $300 million per year in lost production time, medical expenses, and worker compensation. -
Pandemic Impacts Driving Habits for the WorseCOVID-19 has changed a lot about society, with many people working from home, wearing masks in public and socially distancing from others. A recent government study also indicates that the pandemic has also made us worse drivers. -
Why Every Business Needs Non-Owned Auto CoverageSometimes, businesses that own fleets of vehicles have to use cars that don’t belong to them, such as when an employee has to use their own car to run an errand or visit a customer or vendor. -
7 Tips to Reduce Your Homeowners PremiumsEverybody wants to save money on their insurance premiums. If you own a home, you have a number of options for getting discounts on your homeowners coverage. -
Why Pet Owners Should Consider Buying InsuranceWhile pet insurance may not seem like a needed investment, many pet owners are reconsidering its importance. In some cases, pet owners are better off setting up their own savings accounts for vet expenses, but there are also many people who may benefit from buying this type of insurance. -
Preparing a Family Emergency Communications PlanDisasters can happen at any time, including when the children are at school or when the parents are at work. What should you do if something happens when the family is not together? -
How to Reduce the Risk of Theft and Vandalism at Your BusinessBurglary, robbery, and vandalism can be particularly devastating to small businesses in terms of financial loss and customer and employee safety. Merchandise and equipment could be damaged or stolen, and employees and customers could be in mortal danger if your facility is robbed. -
Dealing With Outdated Life InsuranceLife Insurance provides peace of mind that our loved ones will be protected from financial loss after we die. But the need for this protection changes throughout our lives. What was important when the kids were young is less important when they’ve grown up and moved out on their own. Marriage and business ventures also begin and end, and the importance of life insurance in financial plans changes with them. -
Safety Tips for Holiday DecoratingWith the holiday season rolling around again, so are holiday safety considerations. From holiday parties and risk of electrical shock to fires and trips and falls, companies have a set of safety and risk management challenges that may not be present during the rest of the year. Decorating and decorations present their own specific safety challenges. Here are some things to be aware of when decking your office’s halls. -
Home-Based Business Not Covered by Homeowner’s PolicyWith many working from home or having been laid off due to the pandemic, you may be planning to start a home-based business. But will your homeowners policy cover the risks of a home-based business? In most cases, the answer is no. -
Tips to Protect Your Boat This WinterNow that the weather’s cooling down, if you own a boat you have likely pulled it out of the water and parked it at home or in some other dry dock. Just like you, we’re already looking forward to next year when it’s time to get back on the boat. For now, it’s important to make sure to keep your boat primed and protected by properly preparing for fall and winter. -
Six Ways to Stretch Your PaycheckDoes it seem that whenever you are trying to save money, a big, unexpected expense pops up? Many people feel the same way. One way to prevent this feeling is by creating a budget, looking carefully at your current expenditures and itemizing your expenses to help you focus on how to get the most out of your paychecks. -
Ten Estate Planning Tips During COVID-19For many people, the COVID-19 pandemic has brought up concerns for those with dependents just what would happen to their loved ones if something were to happen. As a result, there’s been a growing interest in estate planning in order to secure the futures of our loved ones should we pass. -
Planning for Hurricane Season During the COVID PandemicPlanning for hurricane season and other potential disasters can be stressful. Here are some tips to help you and your family stay safe during hurricane season this year. -
Here's What You Should Review With Your Insurance Before Having a BabyAs you prepare your nursery, don’t forget to talk with your insurance agent to make sure your coverage reflects the change in your growing family. Here are some things to keep in mind. -
What Every Parent Should Know About Teen Drivers And Car InsuranceBehind every teenage driver is, as every parent knows, an expensive insurance policy. This is because many insurers consider anyone under the age of 25 a risk. Here are some tips to help keep your driver safe and your insurance costs down. -
Businesses Boost Employee Benefits, but Workers YawnDespite many employers’ best efforts to improve the benefits packages they offer, a recent survey shows that employee satisfaction with their health plans is not increasing. -
BundlingMany insurance carriers offer significant discounts for customers who place multiple types of insurance with the same company, referred to as "multi-line discounts" or "bundling." -
It Might Be Time For An Annual Insurance ReviewA fact that many people often overlook is that getting insurance isn’t a one-and-done thing. For example, the policy you purchased when you had sparse furnishings after buying your home is no longer going to fit once you’ve outfitted your home with nice furniture and appliances. -
Identity Thieves: They Play, You PayNearly 100,000 people each year have their identity stolen, according to Federal Trade Commission statistics. Just one bank slip or piece of mail can lead to having your credit destroyed by an identity thief. Here are 5 ways you can help protect your personal information. -
Usage-Based Car InsuranceTraditionally, insurance companies have considered a driver’s history when calculating auto insurance premiums, basing prices on factors such as age and record of accidents and traffic tickets. Usage-based insurance or “pay as you drive” and “mile-based insurance,” is gaining traction. -
Comparing Value vs. PriceGoing direct to large insurance companies may seem cheaper, but you generally get more one-size-fits-all policies that are limited in areas that may not fit your specific needs. -
The Right Homeowners Insurance Can Be a HomesaverOf all the factors to consider when buying homeowner’s insurance, two of the most important are the amount of insurance on the home and what dangers you think could occur.
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