Insurance

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One key to having a good financial plan is having enough insurance. Having insurance is like building a wall around your finances so that when disaster strikes it hits your wall instead of your wallet. To be well insured you should carry auto & home, health & disability, and life insurance – click below to learn more about each and get competitive quotes the easy way.

Auto & HomeThe average person saves $500-$600 per year on auto & home insurance just by getting new quotes!

A fast and easy way to get quotes without having to spend all of your time on the phone is to use InsureMe.  You only have to enter your information once and multiple quotes come to you via email or phone.  Get started toward SAVING by clicking HERE or clicking on the InsureMe logo below.

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Health & DisabilityNearly half of all bankruptcies are a result of uninsured medical expenses, and as a worker you are three to four times more likely to be disabled for 60-90 days than you are to die before the age of 65.

You CANNOT afford to not have major medical and disability insurance or to let your insurance lapse. We like eHealthInsurance because you can compare insurance plans side-by-side and find a great plan that meets your needs.

Compare free quotes for health insurance online!

LifeTerm life insurance is an excellent way to help protect your family from failing financially should something happen to one or both parents. We recommend ten times one’s annual take-home pay.  For example, if your annual take-home pay is $30,000, then $300,000 of term life insurance coverage would be appropriate.  If one spouse does not produce an income, we recommend around $250,000 in coverage.

We are HUGE fans of the term life insurance quote page available at Accuquote because they are equipped to provide life insurance to anyone in the nation AND you don’t have to call anyone to get a quote!  All you have to do is click HERE or fill out the form below to get a quote and get started with an application.

Acquiring term life insurance generally follows the following steps.
1. Find term life insurance that fits your needs.
2. Request and fill out an application.
3. A nurse will contact you to set up an appropriate time for a health analysis (usually involves a blood test and a basic physical).
4. You are accepted or denied. If accepted, you will be provided the rate and the policy will go into effect when payment is made.

NOTE: Smoking and weight issues do not necessarily mean that you can not obtain life insurance, but it usually results in higher premiums due to increased health risks.