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We sell the three basic types of insurance:  life, homeowners, and automobile.  Each is important in its own way, and it's likely that you'll need all of them as your life progresses.   How our service works is, an agent will receive your insurance leads, and then a representative from our service will contact you to prepare a quote. Below you'll find an explanation of the different insurance policies our agents offer and how they can secure your assets and give you peace of mind.

Life Insurance

People purchase life insurance quotes for many reasons.  It can be used as an investment for the future, an inheritance for your children and grandchildren, or a way to alleviate the burden of funeral and other expenses at the end of your life.  Most importantly, however; life insurance will protect your family in the event that you pass on in an untimely manner.  With proper insurance coverage, your spouse and children will not suffer economically without your income.  This is especially important for the main earner in the household, but the financial value of a stay-at-home parent should also be considered when purchasing life insurance.  

Life insurance is available in two forms:  whole life and term life.  Both are useful in their own way, and it is recommended that you purchase a combination of whole and term insurance in order to give you the best possible coverage.

Whole life insurance is more expensive than term, but the benefits are great.  Your whole life policy will last as long as you live.  It will also accumulate interest, so that at the end of a long life, you will be able to leave behind a sizeable inheritance for your family.  Better yet, you can choose to cash out your policy should life throw a financial curve ball your way.  If you cannot afford to meet all of your insurance needs with whole life, you can purchase a whole life policy in conjunction with term insurance.          

Term life insurance is significantly less expensive as compared to whole life, but as its name suggests, it is only temporary.  That means that all the money you have payed in will be lost when your term expires.  However, youth and good health can help you to secure a very affordable rate that will keep you insured throughout the most critical periods in your life -- while paying a mortgage, raising a family, and financing higher education for your children.  Term life options make life insurance accessible to most individuals regardless of income.  

Auto Insurance

In most states, motorists are required to carry automobile insurance.  This will protect you from financial liability in the event that you are at fault in a driving accident.  Optional coverage will also protect your vehicle should it become damaged or require major repairs.  

There are six main types of automobile insurance coverage:

General liability is the most basic and most required form of auto insurance.  It will cover you if you damage personal property or physically injure anyone while operating your vehicle.    

Collision insurance will cover any damage caused to your own vehicle due to an accident.

Comprehensive coverage includes fire damage, damage from natural disasters like hurricanes, floods, and tornadoes, and vandalism or theft of your vehicle.  

Medical payments insurance, as you would expect, covers immediate medical payments for yourself, every member of your household, other passengers, and other involved parties after an accident, regardless of fault.

Uninsured motorist (UM) or underinsured motorist(UIM)  insurance will protect you in the event that you are in an accident with a driver who lacks proper auto insurance.

Add-ons to your particular policy can include towing expenses, roadside assistance, and temporary replacement vehicles.    

When purchasing auto insurance, you should expect your rate to vary based on your age, sex, and driving record.

Homeowners Insurance

Do not be deceived by the name:  homeowners' insurance actually encompasses the entire range of residential insurance for owners and renters.  

As a home owner, insurance will protect you in two ways.  Your home and the possessions in it are covered should your experience loss or damage by a fire, natural disaster, accident, or break-in.  You are also protected from financial liability should someone become injured in your home or on your land.  Homeowners' insurance is required at least as long as you have a mortgage, but it is recommended for as long as you own your own property.  

It is important to note that while fires, hurricanes, storms and other natural disasters are covered by a basic homeowner's policy, flood insurance must be purchased separately.  Not every home is at risk of flooding, but your mortgage company may require you to carry flood insurance if your property falls in an area prone to flooding.  You may also choose to purchase this additional coverage for peace of mind.

Insurance for home renters and condo/townhouse owners is not as expensive or comprehensive as homeowner's insurance, but it is just as important.  Your residence should be your source of comfort and security, and an insurance policy will help you to protect that safe space you call home.    

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