"Locally owned & operated insurance agency in Stratford CT since 1949."

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Will Your Life Insurance Leave Your Loved Ones with Enough?

Posted on Jun 27, 2014 in Life Insurance

Life Insurance Policy and Choose or Buy One

Think you have enough life insurance coverage? According to a recent 2013 study performed by The Futures Company there’s a very good chance that you do not. This study found that Americans only have enough life insurance to provide for their family for three years after the policy is used. But how much would someone need to make sure their families are well provided for? The study says that most policies fall over 300 thousand short of what’s needed. And perhaps the worst thing the survey revealed was the fact that the policyholders were unaware on how little life insurance coverage they truly had. You can read more about the survey from this post on Abendowment.org.

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How Errors and Omissions Insurance Can Help Your Business

Posted on Jun 20, 2014 in Business Insurance

Business Error

One type of insurance we haven’t covered yet in our blog series is Errors and omissions insurance. While this isn’t one of the commonly known types of insurance it can save you money and a headache down the road. Basically, Errors and omissions insurance is coverage for if/when a client holds your company responsible for work that was unsatisfactory or not completed at all.

We bring this up because it’s an insurance that not a lot of business and professionals have and it can be a big help no matter what industry you hail from. Take a look at this piece the Insurance Journal wrote about Errors and omissions insurance for a better idea of how it can help your business.

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New Long-Term Care Hybrids

Posted on Jun 12, 2014 in Life Insurance

Hospital room interior

As insurers endeavor to make long-term care policies more affordable, some are developing new products that combine long-term care insurance with life insurance. These life insurance hybrids require an investment in a lump sum or payment of premiums for ten years, after which the insured receives either long-term care payouts or their heirs receive a death benefit. For instance, a 60-year-old would invest $50,000 and, in turn, could receive payouts of up to $216,000 (up to $3,000 per month for six or more years) for long-term care in a nursing home or assisted living facility or at home. If he or she were to die before long-term care is needed, his or her heirs would receive a $72,000 benefit.

NOTE: In the insurance hybrid mentioned above, funds used for long-term care reduce the death benefit to heirs.

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