What is the purpose of a personal umbrella policy?

No one wants to have a lawsuit filed against them. The effects of a lawsuit can be devastating and may result in loss of your financial assets, home, vehicles or future earnings. If someone is injured on your SW Florida property or suffers serious injury as a result of an accident caused by you, your spouse or child, you could [...]

By |2018-11-27T11:53:31-05:00November 27th, 2012|, , , |Comments Off on What is the purpose of a personal umbrella policy?

What is life insurance?

It is a contract that is made between the insurance company and the person who is insured. The insurance policy states that the company will pay a specific amount of money to the person(s) listed as beneficiaries in the policy in the event of the insured person’s death. Until the insured person dies, premium payments must be made to the [...]

By |2018-11-27T11:53:31-05:00July 31st, 2012||Comments Off on What is life insurance?

Why do I need disability insurance?

Many individuals believe because they work at a non-hazardous job they needn’t worry about disability insurance. Should an injury or a lengthy illness occur, they assume their employer’s disability insurance plan will cover their needs. Nothing may be further from the truth. 43 percent of workers over the age of 40 are likely to require disability coverage at some point [...]

By |2013-12-11T19:10:18-05:00July 31st, 2012|, |Comments Off on Why do I need disability insurance?

How does long-term care insurance differ from health insurance?

Long-term care insurance pays for basic daily needs when they are needed for an extended period of time. It should be noted that health care insurance is different from long-term care insurance. A health care policy will usually pay for medical procedures, whereas a long-term care policy pays to help people carry out basic daily living tasks. From dressing to [...]

By |2013-12-11T19:14:15-05:00July 31st, 2012|, |Comments Off on How does long-term care insurance differ from health insurance?
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