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Sort By:- 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
- 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- 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- 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- 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- 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- 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- 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 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- 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 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- 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- Applicant:
The person making application to the insurance company for a policy. Read More- Annuitant:
The person receiving the annuity. Read More- Accident:
An unexpected event, unforeseen and unintended. 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- Alien Company:
An insurer organized and domiciled in a country other than the United States. 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 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- 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- Administrator (executor):
The person appointed by a court to settle an estate, sometimes called an executor. 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- Authorized Company:
An insurer permitted to sell insurance within a state. Read More- What is collision coverage?
Collision coverage pays for damage to your car if you are in an accident. Read More- Assignment:
Transfer of rights in a policy to other than the policy owner. Read More- Claim:
A demand for payment under the insurance policy. Read More- Deductible:
Dollars or percentage of expense that will not be reimbursed by the insurer. Read More- Cancellation (termination):
Termination of contract of insurance in force by voluntary act of the insurance company or insured. 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 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- 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- Death Benefit:
The policy proceeds to be paid upon the death of the insured. 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- 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 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- Certificate:
A statement or evidence that a policy has been written and stating the coverages in general. 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- 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- Dividend Options:
Ways an insured may receive policy dividends. 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- 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- Contract:
A legal agreement between two parties for consideration, such as an insurance policy. 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 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- 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- 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- 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- 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- 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 rental reimbursement coverage?
Rental reimbursement will help pay for your rental car if your car is in an accident. 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- 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 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- 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- 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- 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- Concealment:
The withholding of facts by an applicant for insurance that materially affects an insurance risk or loss. 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- 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- 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- Dividend:
The return of part of the premium paid for a Participating policy. Read More- Business Insurance:
Life or Health or Disability insurance written to cover business situations such as key person, sole proprietor, partnership, corporations, etc. 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- 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- Collateral Assignment:
Assignment of part of the proceeds of an insurance policy to a bank as collateral to settle the loan balance that may exist at the insured's death. 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- 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- Conditions:
The part of an insurance contract setting out the responsibilities of both the Insured and the Insurer. 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- Convertible Term Insurance:
A Term policy that can be converted to a permanent type of coverage without proof of insurability. Read More- Contingent Beneficiary (Secondary Beneficiary):
Person or persons named to receive benefits if the Primary Beneficiary is not alive. 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- 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- Endorsement (Rider):
A form attached to an insurance contract changing part of the contract. Read More- Cancelable:
An insurance contract that may be terminated by the insurance company or insured at any time. Virtually every form of insurance is Cancelable except Life insurance and those Health policies designated .... Read More- Domestic Insurance Company:
An insurance company formed under the laws of the state in which the insurance is written. Read More- Deferred Annuity:
An Annuity on which payments to the annuitant are delayed until a specified future date. Read More- Effective Date:
The date on which an insurance policy or bond goes into effect and from which protection is furnished. 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- Corridor Deductible:
A Major Medical deductible that applies between benefits paid by the Basic plan and the start of the Major Medical benefits. 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 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- 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- Can you provide insurance for my Snowmobile?
YesWe can provide liability, medical, and property coverage for a snowmobile and its riders. 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- 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- 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- 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- 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- 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- 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- Can you provide insurance for my Boat?
Yes We can provide liability, medical, and property coverage for a boat and its riders. Read More- Cash Surrender Value (cash value):
The value in a policy that is the legal property of the policy owner, and that may be expected by him should he surrender it for cash. Read More- Coinsurance (participation):
1) In Property insurance, a clause under which the insured shares in losses to the extent that he is under insured at the time of the loss. 2) In Health insurance, a provision that the insured and insurance .... Read More- Conditional Receipt:
Provides that if premium accompanies an application, coverage shall be in force from the date of application (whether the policy has yet been issued or not) provided the insurance company would have issued .... Read More- Conditionally Renewable:
A contract of Health insurance that provides that the insured may renew the contract to a stated date or an advanced age, subject to the right of the insurer to decline renewal only under conditions defined .... 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- Consideration :
The exchange of value on which a contract is based. In Life and Health insurance, the Consideration is the premium and the statements in the application. Read More- Decreasing Term Insurance:
Term insurance whose amount of coverage starts out at the full amount, then gradually decreases until the expiration date of the policy. Read More- Fiduciary:
A person who occupies a position of special trust and confidence (for example, in handling or supervising the affairs or funds of another). 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- 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- 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- Direct Writer:
An insurance company that sells its policies through licensed producers who represent the insurer exclusively, rather than through independent local producers, who represent several insurance companies. Read More- Eligibility Period:
The period following the Probationary Period during which the employee is eligible to obtain non-medical coverage under the Group Life plan. Read More- Earned Premium:
That portion of the premium for which policy protection has already been given during the now-expired portion of the policy term. 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- What is collision coverage?
Collision coverage pays for damage to your vehicle if you are in an accident. Read More- Indemnify:
To restore the victim of a loss, in whole or in part, by payment, repair, or replacement. 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- Major Medical (health insurance):
A form of Health insurance that combines the coverage of Major Medical and Basic Medical Expense contracts into one broad contract that provides coverage for almost all types of medical expense usually .... Read More- Life Insurance:
Insurance paying a specified amount on the death of the insured, to his estate or to a beneficiary. 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- Foreign Company:
An insurer organized under laws of a state other than the one in which the insurance is written. Read More- Face Amount (coverage):
The amount indicated on the face of the policy that will be paid at death or when the policy matures. 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- Grace Period:
A period of time after premium. due date during which a policy remains in force without penalty, even though the premium due has not been paid. Read More- Disability Income Insurance:
A form of Health insurance that provides periodic payments to replace income, actually or presumptively lost, when the insured is unable to work as a result of sickness or injury. Read More- Double Indemnity:
Payment of twice the basic benefit in the event of loss resulting from specified cause or under specific circumstances. - When can I cancel my existing policy?
