Life FAQ’s

Q: How much life insurance should an individual own? A: Rough “rules of thumb” suggest an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed. Important factors include: Income sources (and […] Read more »

Business FAQ’s

Q: What is fire legal coverage? A: Fire legal coverage provides coverage to for you if you rent a business space and are held responsible for fire damages to that rented space. It does not apply to all business risks. Q: What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)? A: […] Read more »

Auto FAQ’s

Q: When purchasing automobile insurance what should I consider? A: There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few: Purchase the amount of liability coverage which makes sense for you. Select the optional coverages you want. Decide which company to purchase […] Read more »