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Sort By:- Do you pull a credit report when looking for insurance quotes? For business insurance, companies do not generally pull credit reports while quoting or issuing insurance. Read More
- When can I cancel my existing policy?
You can cancel your existing policy when you have received confirmation that a replacement policy has been bound ( is in-force) Read More- What is “General Liability” insurance?
“General Liability” insurance protects your business against lawsuits and claims for bodily injury or property damage caused during the course of business. Read More- What date are my monthly insurance payments due?
Most insurance payments are due at one month intervals starting from the exact date that your policy was issued. Read More- How much protection can I purchase with an “Umbrella Policy?”
We can provide umbrella policies from $1 Million to $10 Million and above Read More- Do you pull a credit report when looking for insurance quotes?
Insurance companies do not generally pull credit reports while quoting life insurance. Some large policies (usually over $1Million) may require a credit report before actual issuance of a policy. Read More- Can I change my EFT Date?
This varies from company to company. Most insurance companies will allow you to move your EFT date to an earlier date, but will not allow you to extend it to a later date. Be sure to call your company .... Read More- When can I cancel my existing policy?
You can cancel your existing policy when you have received confirmation that a replacement policy has been bound ( is in-force) Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay. Read More- What happens at the end of my term policy?
Most term life insurance policies automatically renew at the end of a term. The policy is often designed to increase its price annually at the end of its term, often at significantly increased costs. Read More- Do you offer Identity Theft Protection?
Most of our insurance companies offer ID Theft Protection as part of their homeowner’s or renter’s insurance package. Be sure to ask your agent about it. Read More- How can I reduce my auto insurance premium?
Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices: 1.Keep your driving record clean (tickets can increase your rates) 2.Keep .... Read More- What is Term Life Insurance?
Term Life Insurance is the simplest form of life insurance, where a fixed amount of protection is provided for a fixed number of years. Coverage amounts can be purchased ranging from $50,000 to .... Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay. Read More- Why is the bill different if I choose an electronic withdrawal versus being billed directly?
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork. Read More- What date are my monthly insurance payments due?
Most insurance payments are due at one month intervals starting from the date that your policy was started. Read More- What date are my monthly insurance payments due?
Most insurance payments are due at one month intervals starting from the exact date that your policy was issued. Read More- What is liability insurance?
Liability insurance protects you and your family against claims for bodily injury or property damage caused by an auto accident in which you or your covered family members are considered legally responsible. Read More- When can I cancel my existing policy?
You can cancel your existing policy when you have received confirmation that a replacement policy has been bound ( is in-force) Read More- What is collision coverage?
Collision coverage pays for damage to your car if you are in an accident. Read More- What is rental reimbursement coverage?
Rental reimbursement will help pay for your rental car if your car is in an accident. Read More- Do you pull a credit report when looking for insurance quotes?
For health insurance, insurance companies and agents do not generally pull credit reports while providing quotes insurance. Read More- What do you need life insurance?
Life insurance is a must for anyone with family obligations, debt, or significant assets. Life Insurance can be used to provide a family with income, pay off a debt, or even pay estate taxes in the .... Read More- What is medical payments (med pay) coverage?
Med Pay pays for medical services that you or your passengers need if you’re involved in an accident in your car or as a pedestrian Read More- What happens at the end of my policy term?
Most insurance policies automatically renew at the end of the year, unless they are cancelled in writing prior to their renewal date. Read More- Why would I want coverage on my Condo, isn’t that covered by my HOA?
Most HOA policies do not cover the interior of their units, including wall finishing, light fixtures, appliances, carpeting, and even cabinets and sinks. Without an individual Condo policy, a serious .... Read More- Can you bill my mortgage company for my homeowner’s insurance?
If you have an escrow attached to your mortgage, we will gladly bill them for your homeowner’s insurance. Read More- What do I do if there is a fire at my house?
If possible, put the fire out with a fire extinguisher or waterNever use water on an electrical or grease fireGet everyone out of the house quickly and safely Call the fire department or 911 immediatelyCall .... Read More- What date are my monthly insurance payments due?
Most insurance payments are due at one month intervals starting from the exact date that your policy was issued. Read More- Do you pull a credit report when looking for insurance quotes?
For home and renters insurance, insurance companies do not generally pull credit reports while quoting or issuing insurance. Read More- What is an “Umbrella Policy?”
An Umbrella Policy provides additional protection above the coverage limits of your Home, Auto, and other insurance policies. This coverage protects you and your family in the event you are found .... Read More- I lost my job and my health insurance, what options do I have?
In most states you have the option to apply for COBRA through your previous insurance company.Often we are able to find an individual or family health insurance plan at rates that are better than COBRA. .... Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. Read More- What is uninsured (UM) or underinsured (UIM) motorist’s protection?
UM or UIM pays for damages caused by uninsured motorists or in hit-and-run accidents. Read More- What is comprehensive coverage?
Comprehensive coverage (comp coverage) pays for damage to your car from a fire, theft, vandalism, or many other events. Read More- How do I add a new driver or vehicle to my policy?
Simply call your agent during normal business hours. .Our agents can quickly add drivers or vehicles to most insurance policies right over the phone. Many of our insurance carriers provide .... Read More- How can I reduce my home insurance premium?
Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices:Choose higher deductible amounts Keep your Home and Auto insurance with .... Read More- How much life insurance do I need?
If you didn’t make it home tonight, how would your family pay for:1.Home Mortgage:2.Car Payments:3.Groceries:4.Day care:5.College:These are all things to consider when purchasing your life insurance. .... Read More- I own my own business but don’t have any employees. What kind of health insurance is available?
A business owner can choose from individual, family, or group health plans. “Business Group of One” is particularly appealing to individuals who have a medical history that wouldn’t qualify for individual .... Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. Read More- What happens at the end of my policy term?
Most insurance policies automatically renew for a similar term at the end of a preceding term. (6 month policies renew for 6 more months, 12 month policies renew for 12 more months) Policy was issued. Read More- Can I change my EFT Date?
This varies from company to company. Most insurance companies will allow you to move your EFT date to an earlier date, but will not allow you to extend it to a later date. Be sure to call your company .... Read More- What other benefits do your policies offer?
As an independent agency, we don’t work with just one company. Each company that we work with provides a myriad of benefits and options. If you are having trouble navigating these waters, .... Read More- When can I cancel my existing policy?
You can cancel your existing policy when you have received confirmation that a replacement policy has been bound ( is in-force) Read More- Do you recommend any repair facilities for my car?
Many insurance companies have partnered with certain repair facilities. They have been chosen because they meet or exceed certain quality standards that are important to ensure your satisfaction. .... Read More- What other benefits do your policies offer?
Many of our companies offer additional benefits to their policies. Including but not limited to: Supplemental Death Benefits, ID Theft Protection, and Disappearing Deductibles! Read More- My COBRA runs out at the end of this month, is there anything I can do?
Many people are eligible for individual or family plans at prices that are better than COBRA.We have "Guaranteed Issue" plans for individuals who have completed 18 months of coverage under Cobra Read More- Why is the bill different if I choose an electronic withdrawal versus being billed directly?
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork. Read More- Do you guarantee repairs done to my vehicle from an accident?
Nearly all of our companies provide a lifetime guarantee on parts and workmanship on repairs from a covered accident. Read More- What happens at the end of my policy term?
Most insurance policies automatically renew for a similar term at the end of a preceding term. (6 month policies renew for 6 more months, 12 month policies renew for 12 more months) Read More- Do you offer windshield replacement coverage with my Auto Insurance?
Many clients have found they will save money by not purchasing the windshield replacement coverage. If windshield replacement is an important protection to you, please be sure to ask your agent for a .... Read More- Why is the bill different if I choose an electronic withdrawal versus being billed directly?
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork. Read More- Do you guarantee repairs done to my house after a claim?
Nearly all of our companies provide a guarantee on parts and workmanship on repairs from a covered claim. Read More- What happens if my home costs more to rebuild than my homeowner’s insurance provides?
At AAI, the majority of our homeowner’s insurance policies provide guaranteed replacement cost that significantly increases the protection that your policy provides. Please be sure to ask your agent if .... Read More- How can I protect my valuables (Jewelry, Firearms, Collectibles and Artwork)?
Your agent will gladly schedule expensive items on your homeowner’s or renter’s policy. This will provide you with increased protection for valuable or irreplaceable property. Read More- How can I buy an “Umbrella Policy?”
To purchase an umbrella policy, most companies have requirements of your underlying policies. Generally, your home, auto, and other policies must have a certain amount of liability protection to .... Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay. Read More- What is a "Disappearing Deductible?"
This is a reward to good drivers. Over time, as you are accident-free and remain with the same insurance company, your deductible will diminish by a certain amount. (Usually $100/year) Read More- Do you pull a credit report when looking for insurance quotes?
For home and auto insurance, insurance companies do not generally pull credit reports while quoting or issuing insurance. Read More- What other benefits do your policies offer?
Many of our companies offer additional benefits to their policies. Including but not limited to: Supplemental Death Benefits, ID Theft Protection, and Disappearing Deductibles! Read More- Does it cost more to work with a broker?
In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay. Read More- What do I do if I’m in an accident?
Move out of the way of traffic and turn on your hazard warning lights Call the police even if it is a minor accident Request medical assistance if there are any injuries Exchange necessary information .... Read More- Why would I want "Flood Insurance?" I don’t live by the ocean.
More than 50 percent of flood claims occur in areas considered to have a low flood exposure. Even if your home is not in a flood plain, your home could suffer flood damage and Homeowner’s insurance policies .... Read More- Can I change my EFT Date?
This varies from company to company. Most insurance companies will allow you to move your EFT date to an earlier date, but will not allow you to extend it to a later date. Be sure to call your company .... Read More- What is business car insurance?
Business car insurance is similar to your personal car insurance. The policy provides coverage for physical damage to the business vehicles as well as liability protection. Business car insurance .... Read More- How much coverage do I need?
How much could you afford to pay out of pocket if:1.You went to the doctor?2.You had to purchase medicine?3.You had to stay a night in the hospital?4.You broke a bone?5.You found out you had a serious .... Read More- Can I change my EFT Date?
This varies from company to company. Most insurance companies will allow you to move your EFT date to an earlier date, but will not allow you to extend it to a later date. Be sure to call your company .... Read More- What types of business insurance do I need?
Different businesses need different types of insurance protection. Below is a short list of different business insurance policies:1.General Liability Insurance2.Business Owners Policy3.Workers Compensation .... Read More- What do I do if there is a broken pipe at my house?
Turn off the water main to your house to stop further damage Contact a disaster restoration company to immediately begin damage mitigation Call the claims number on your policy, or call your agent for .... Read More- Why would I want a "Personal Umbrella Policy?"
Unfortunately, these days anyone can be sued. And multimillion dollar judgments have become all too common. Even if a court decides in your favor you may still have to pay legal fees and court costs. Read More- Do I need Med-Pay coverage on my auto insurance?
Med-pay coverage is always a good idea to add to your auto insurance. This coverage will help pay the medical bills for you or your passengers in the event you are in an at-fault accident. In some .... Read More- Do you guarantee repairs done to my vehicle from an accident?
Nearly all of our companies provide a lifetime guarantee on parts and workmanship on repairs from a covered claim. Read More- Why do I need business car insurance rather than personal car insurance?
Many personal car insurance policies do not provide protection if being used for workMany personal car insurance policies do not provide the limits required by many contractsMost personal car insurance .... Read More- How can I add or remove a vehicle on my Auto Insurance Policy?
AAI provides you with multiple methods to manage your insurance. Nearly all of our insurance companies provide extended service hours to make policy changes. Please look for the service number on your .... Read More- Why is the bill different if I choose an electronic withdrawal versus being billed directly?
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork. Read More- Do you recommend any companies to fix my house?
Many insurance companies have partnered with certain contractors for loss mitigation and repair. They have been chosen because they meet or exceed certain quality standards that are important to ensure .... Read More- How long does it take to buy a life insurance policy?
The application process usually only takes a few minutes. Many insurance companies will provide coverage at the time you apply, if you make your initial payment. If you do not pay at the time .... Read More- Why would I want a "Personal Umbrella Policy?”
Unfortunately, these days anyone can be sued. And multimillion dollar judgments have become all too common. Even if a court decides in your favor you may still have to pay legal fees and court costs. Read More- What is liability insurance?
Liability insurance protects you and your family against claims for bodily injury or property damage caused by an auto accident in which you or your covered family members are considered legally responsible. Read More- What other benefits do your policies offer?
As an independent agency, we don’t work with just one company. Each company provides a myriad of benefits and options. If you are having trouble navigating these waters, please take time to .... Read More- How do I determine if an “Umbrella Policy” is right for me?
Add the following together:1.Total equity in your home: __________2.Total value of personal property: .... Read More- Annuitant:
The person receiving the annuity. Read More- Accident:
An unexpected event, unforeseen and unintended. Read More- Do you recommend any repair facilities for my car?
Many of our insurance companies have partnered with certain repair facilities. They have been chosen because they meet or exceed certain quality standards that are important to ensure your satisfaction. .... Read More- Applicant:
The person making application to the insurance company for a policy. Read More- Administrator (executor):
The person appointed by a court to settle an estate, sometimes called an executor. Read More- Alien Company:
An insurer organized and domiciled in a country other than the United States. Read More- How much coverage do I need?
Every person and family has different insurance needs. A good rule of thumb is to purchase as much liability protection as you can afford. Other things to think about:1.Does your bank require .... Read More- Why is my homeowner’s insurance coverage different than what it cost to purchase my home?
Homeowner’s insurance policies are designed to rebuild your home in the event of a loss. The cost to rebuild a home and the purchase price of a property are generally much different due to things like .... Read More- Assignee:
The person to whom policy rights are assigned by the policy owner. Read More- Attained Age:
The current age of the insured Read More- Claim:
A demand for payment under the insurance policy. Read More- How can I reduce my business insurance premium?
Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices:1.Choose higher deductibles2.Keep your all your business insurance policies .... Read More- Can you provide insurance for my Motorcycle?
YesWe can provide liability, medical, and property coverage for a motorcycle and its riders. Read More- Authorized Company:
An insurer permitted to sell insurance within a state. Read More- How much insurance do I need?
Every person and every family has different insurance needs. A good rule of thumb is to purchase as much liability protection as you can afford.Things to think about:1.Does your bank require certain .... Read More- What is collision coverage?
Collision coverage pays for damage to your vehicle if you are in an accident. Read More- Assignment:
Transfer of rights in a policy to other than the policy owner. Read More- Can you provide insurance for my Snowmobile?
YesWe can provide liability, medical, and property coverage for a snowmobile and its riders. Read More- How can I reduce my insurance premium?
Many factors are used to determine your insurance premium. Below are some factors that you can control to help reduce your prices: 1.Keep your driving record clean (tickets can increase your rates) 2.Keep .... Read More- Can you provide insurance for my ATV?
YesWe can provide liability, medical, and property coverage for an ATV and its riders. Read More- Can you provide insurance for my Boat?
Yes We can provide liability, medical, and property coverage for a boat and its riders. Read More- Deductible:
Dollars or percentage of expense that will not be reimbursed by the insurer. Read More- Certificate:
A statement or evidence that a policy has been written and stating the coverages in general. Read More- Application:
A form on which the prospective insured states facts requested by the insurer and on the basis of which the insurer decides whether or not to accept the risk Read More- Can you provide insurance for my RV?
YesWe can insure an RV for road use as well as stationary use Read More- Accidental Death and Dismemberment insurance (AD&D):
A form of life insurance that provides payment if death or dismemberment of the insured results from accident. Read More- When will I get my insurance ID Cards?
You can receive temporary auto insurance ID cards the day you sign your application. Permanent ID cards are generally mailed from the insurance company 1-3 weeks after the policy has been bound. Read More- Can you provide insurance for my Jet Ski?
YesWe can provide liability, medical, and property coverage for a jet ski and its riders. Read More- Death Benefit:
The policy proceeds to be paid upon the death of the insured. Read More- Cancellation (termination):
Termination of contract of insurance in force by voluntary act of the insurance company or insured. Read More- Contract:
A legal agreement between two parties for consideration, such as an insurance policy. Read More- What date are my monthly insurance payments due?
Most insurance payments are due at one month intervals starting from the date that your policy was started. Read More- When can I cancel my existing policy?
You can cancel your existing policy when you have received confirmation that a replacement policy has been bound ( is in-force) Read More- Why is the bill different if I choose an electronic withdrawal versus being billed directly?
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork. Read More- How do I add a new driver or vehicle to my policy?
Simply call your agent during normal business hours. .Our agents can quickly add drivers or vehicles to most insurance policies right over the phone. Many of our insurance carriers provide .... Read More- Dividend Options:
Ways an insured may receive policy dividends. Read More- What happens at the end of my policy term?
Most insurance policies automatically renew for a similar term at the end of a preceding term. (6 month policies renew for 6 more months, 12 month policies renew for 12 more months) Policy was issued. Read More- Annuity:
1) An amount of money payable yearly or, at other regular intervals. 2) An agreement by an insurer to make periodic payments that continue for a specified period. Read More- Do you guarantee repairs done to my vehicle from an accident?
Nearly all of our companies provide a lifetime guarantee on parts and workmanship on repairs from a covered claim. Read More- Classification:
The grouping of persons for the purpose of determining an underwriting or rating group into which a particular risk must be placed Read More- Do I need Med-Pay coverage on my insurance?
Med-pay coverage is always a good idea to add to your insurance. This coverage will help pay the medical bills for you or your passengers in the event you are in an at-fault accident. In some states, .... Read More- Nonprofit Insurance Companies:
Companies organized under special state laws to supply medicalexpense insurance, usually on a Service basis. "Blue plans" are a historical example. - When can I cancel my existing policy?
