There’s a new place in town

Familiar Insurance Services Inc.

 Pumpkin everything

Autumn begins next Monday.  Fall is the best time of year - The weather’s usually still nice with sunny skies, but leaves start to change colors, and with this comes Pumpkin Latte, Pumpkin Pie, and Pumpkin … everything.  Then starts the countdown to Halloween.  And last but not least, does anything sound better than Sunday Pasta and Football?

Cook like an Italian

I’m not Italian, I learned to cook spaghetti and meatballs from my Husband and his family when we got married 25 years ago.  Since then I cook mainly Italian dishes and I love Italian food!  There’s an awesome new place in town called Narducci’s Pizzeria & Restaurant.  They have the best Meat Lovers Pizza, Gluten Free Pizza, an awesome Penne Carbonara and lots of other yummy dishes on the menu. Mention Familiar Insurance Services to get a 10% Discount.     

  

Falling for Fall

Decorating for fall and winter holidays is arguably one of the most fun things to do.  Spending time with friends and family is priceless.  But with lots of traffic, sometimes accidents can happen.  Protect your assets from an unseen event with a Personal Liability Umbrella Policy which is liability insurance covering above and beyond claims directly relating to your home and auto.  An Umbrella policy also provides coverage for claims that may be excluded by other policies.  Umbrella is affordable and a peace of mind. 

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Short-Term or Longer

Millions of Americans rely on Life insurance to protect their financial security.  What type should you buy?

The Cost of Waiting

In general Life insurance quotes increase as you get older.  When you are young, healthy and insurable is the time to buy and lock in the rate.  Polices are based on a few things, including your age.  The older you are, the higher the risk for the company, the more expensive the policy will be.  Companies also look at your medical history and current health.  If you’re healthy, you’ll get a better rate. 

Temporary Coverage

The best thing about Term polices is that they’re inexpensive and depending on your age, you can get a lot of coverage for about $20 per month.  Term insurance covers you for a certain period of time, like 10, 20 or 30 years.  So, if you buy a 30-year Term policy when you’re 25, you'll choose an amount of coverage and choose one or more beneficiaries.  That policy will cover you for 30 years, until you’re 55.  You are locked into that price for the 30 years, AKA life of the policy.  If you die during those 30 years, your beneficiaries will get paid the amount of insurance you bought. The only time this type of policy pays is unfortunately if you die.

Permanent Coverage

Whole Life is one type of permanent insurance, it covers you during your entire life or 100 years.  The upfront cost is more expensive than Term policies but in the long run it’s more affordable because after you buy, it never increases in price, yet it increases in value.  It provides Life insurance but it also puts money aside for the future. Which you can borrow against or cash out.

Two Questions

Life insurance can be simplified by answering just two questions.  First we figure out how much coverage you need, then you see how much you can afford.  A licensed agent can help you quote different types of policies and different amounts.  And increase or reduce the amount, depending on what you can afford.   

Life Changes

It's important to review your policy at renewal every year.  If your income increases, your Life insurance should increase accordingly.  Update your marital status.  Update your beneficiaries by removing or adding your spouse and any new additions to the family to make sure your family is fully protected.    

Do you need term coverage or longer?