Other than Virginia, New Hampshire and Mississippi, every state in the U.S. requires a motor vehicle owner to buy some form of insurance. Car insurance is a competitive market, and a car owner who is shopping for a policy would do well to compare the terms and understand what...Read More
Owning a home is the keystone of the American dream, which is why it’s also crucial to protect it with adequate insurance coverage. Given the number of different mishaps that can happen to a house and its contents, the insurance policy also needs to be comprehensive and...Read More
The excitement of a wedding and bliss of a honeymoon is soon followed by day to day realities. You know that your tax status changes after marriage, but so do your insurance needs. If you are combining two incomes, buying a house, and/or planning to have children, you need to...Read More
Enjoy the “Scott Guarantee”! Receive an immediate quote, and a phone call the next day! We will shop your information with our preferred insurance carriers and call you back to review the Best Price Available. Need a life insurance quote? Call our office or use the form below...Read More
Our mission is to provide a broad range of insurance products that meet the very needs of our customers. Whether it be insurance for your business or personal insurance needs such as home and auto insurance, umbrella or life and health insurance, we can coordinate coverage and offer excellent value.
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.Read More
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.Read More
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.Read More