Selecting life insurance is more than just choosing between a permanent or term policy and finding the cheapest rates. At Otterstedt, we guide you through the steps to help you make an informed decision based on your current situation, your personal or business goals, and your current tax status. Request a quote, and you’ll get so much more.
It's time to debunk some myths about #WorkersComp !
The statement above is FALSE!
If a company employs more than one person, having a workers' compensation policy is the best way to go. In most states, if you have more than one employee, workers' comp insurance is mandatory. The expenses from job related injuries can add up fast, don't leave your business unprotected! Companies who chose to not have the coverage, when required, also run the risk of heavy penalties and fines.
Cerity is here to help! We will provide you with a quote in 5 minutes or less! Head over to @CerityIsHere to find the link in our bio!
1 232 hours ago
Thank you Claire! We are here for all of your financial and insurance needs. Let us know how we can help you.
If you have a hurricane claim, plumbing leaks , fire claim and need a Florida Public Insurance Adjuster contact Prime Claims.
Our public adjusters will go through all the steps you need to take to ensure you get the most out of your insurance property loss claim.
Call our experts today if you have any questions on any homeowner property claim.
Road Ahead for Insurance Sector:
The future looks promising for the life insurance industry with several changes in regulatory framework which will lead to further change in the way the industry conducts its business and engages with its customers.
Technology is now available at your fingertips with everything around us embracing the digital era. But what if we told you that insurance could also be revolutionized in this new age? At COCO by DHFL General Insurance, we’re leading the InsureTech revolution to give you a pulse of what insurance should really be - fun, easy and convenient! Stay tuned to find out how.
2 2311 hours ago
Thinking about health insurance? Get in touch with us, and we'll compare the policies available to you.
Fidelity Shield Kenya is a leading General Insurance provider offering a wide range of products to cater for individuals, Private corporate companies, small and medium enterprises and Governmental organisations and many more.
More information is available herehttps://findit.ke/biz/Fidelity-Shield-Insurance-Company-Limited/?lat=-1.2682132&lon=36.808866
Have you been wondering why you should pick an independent insurance agent over a call center?
You can develop a valuable relationship with your independent insurance agent and knowing your needs and unique circumstances are important in the insurance relationship.
You are a person instead of a number. The direct writer’s first duty is to their employer. A direct writer is a captive agent because he/she can only offer you one company.
The independent agent offers you multiple plans from multiple companies. Because he or she can work with different companies, your independent agent can secure multiple pricing and coverage options.
With an Independent Agent if your insurance needs change there are more options to address these changes. With an independent agent, you get personalized claims service because you deal with people you already know, not strangers.
He or she will work with you in the event of a claim. Because he or she works with many different companies, your agent is a one-stop shopping center!
The customer service experience that you get with an independent agent, we all know that reaching an automated system isn’t any fun, why deal with that when you don’t have to. Reach out to us so we can give you a refreshing customer service experience instead of a stressful one.
Our community is important to us, and we want the best for you and your family always. Since we know what’s going on in the local community we will be able to assist you in the most efficient way possible.
1 2217 hours ago
Q: What happens if I don’t have an active auto insurance policy?
A: If you get in an accident and you’re uninsured, you face getting a citation, your car getting towed and possibly jail time.
In most cases, your auto insurance policy covers you, other licensed members living in your home and named in your policy and, in most cases, any licensed driver to whom you give permission to drive your car. These specifics don’t necessarily hold true on every car insurance policy and you should be sure to read and understand the specifics of your individual coverage. The best place to start when researching just what your auto policy covers is the list of exclusions. Any questions should be directed toward your trusted insurance agent or broker
Some Insurance Follows the Vehicle, Some Follows the Driver
The one type of auto insurance required by law in all but one U.S. state (New Hampshire) is liability coverage. This type of insurance helps pay for damages you cause to others while you’re driving. Each state has a specific minimum amount of liability coverage required of drivers – amounts designed to cover bodily injury and property damage others suffer due to your negligence – and these liability coverage amounts are typically expressed in a series of three numbers such as 30/60/25. These numbers represent the thousands of dollars (maximum) your insurance company will pay towards claims of single victim bodily injury, multiple victim bodily injuries and property damages from single accidents
Liability coverage, unlike other types of auto coverage such as collision or comprehensive, follows the driver, regardless of what vehicle he or she is driving, assuming permission has been given to drive that vehicle
Collision insurance pays when your car hits or is hit by an object such as a tree or another car, and comprehensive insurance pays for losses due to other than collision incidents such as theft, vandalism or storm damage. These coverages typically follow your vehicle and will pay regardless of who is driving, assuming they’re authorized to drive your vehicle. Since no two policies are identical, however, check yours closely to determine your exact coverage.
In the early 1950s Walt Disney had an idea that would change the World. He wanted to open a theme park named Disney Land. He envisioned it as a place where he could merge his cartoon characters with rides and other family attractions.
The idea was ground breaking and expensive. Banks did not understand the concept and denied him loans, even though he was already a successful entrepreneur. After he failed to secure funding from banks, he took matters into his own hands and provided the financing himself. A large part of the funding came by way of him borrowing money from the cash value in his life insurance policy.
The life insurance loan helped get the project off the ground. In 1955 Disney Land opened, 16 years later Disney World opened, and the rest is history. Disney is not the only business to have borrowed life insurance money for funding. JC Penny and McDonald’s have similar stories.
Many people are not even aware that you can borrow money from a life insurance policy and use it while you’re still alive. It’s important to understand financial vehicles and how they work so you can utilize them for your own personal benefit.
Life Changes. Your Insurance should too.
A New house? New baby? New marriage? New Job? It's a good idea to review your life insurance policy and make any needed adjustments to your policy.