Know Your Sump Pump Before the Next Heavy Rain
Your sump pump is the first line of defense against basement flooding. A sump pump is an essential device installed in a pit, also known as the sump, at the lowest point of a home’s basement or crawlspace to protect the foundation and structural integrity of a home. Sump pumps are critical for homes located […]
Why Employer Life Insurance Usually Isn’t Enough
The Biggest Life Insurance Objection: “It’s Too Expensive” — And Why That Often Isn’t True When people avoid buying life insurance, the most common reason is almost always the same: “It’s too expensive!” At first glance, that may seem reasonable. Between mortgages, groceries, vehicle payments, childcare, rising insurance premiums, and everything else competing for a […]
Why Our Farm Insurance Company Lineup Matters
Why Our Farm Insurance Company Lineup Matters Farm insurance is not a one-size-fits-all product. Every operation is different. For example, a grain farm in northwest Ohio has different risks than a dairy operation, livestock farm, hobby farm, or a family farm with multiple generations involved. Because of this, the insurance company lineup your agency represents […]
You Likely Need More Life Insurance Coverage
You may be underinsured with life insurance coverage if… 1. Your only life insurance coverage is through your employer. While some life insurance is certainly better than no life insurance, if your only coverage is through your employer, you may not have enough. These plans generally offer very limited coverage (like a year’s worth of your […]
How Employee Navigator Simplifies Employee Benefits
How Employee Navigator Helps Businesses Manage Employee Benefits Managing employee benefits has become more complicated for many businesses. Between enrollments, eligibility tracking, onboarding, COBRA notices, payroll deductions, compliance requirements, and employee questions, benefits administration can quickly become time-consuming and frustrating. That is why many businesses are turning to insurance agencies that utilize Employee Navigator to […]
Why Are Insurance Rates for Rentals and Apartments Rising?
Why the Habitational Insurance Markets Have Become So Difficult Habitational insurance markets are tightening with higher rates, stricter underwriting, moratoriums, and fewer carriers willing to insure apartments. The habitational insurance market has become one of the most challenging segments in commercial insurance. Apartment complexes, rental dwellings, subsidized housing, student housing, and other residential rental exposures […]
Why Surety Bonds Are Not Insurance for Contractors
Bonds Are Not Insurance for the Bonded Contractor Why a surety bond is not insurance for the bonded contractor and how misunderstandings can create major financial risk. Many contractors, business owners, and even some clients mistakenly believe that a bond works the same way as an insurance policy. While bonds and insurance are both forms […]
Use RMD Income to Fund Hybrid Life and LTC Strategy
Using RMDs to Help Fund Whole Life and Long-Term Care Learn how required minimum distributions can help fund hybrid whole life insurance with long-term care benefits for retirement and legacy planning. Required minimum distributions are one of the most frustrating parts of retirement planning for many retirees. After decades of building qualified retirement accounts, the […]
How Whole Life Insurance Builds a Multi-Generational Legacy
How Guaranteed Whole Life Insurance Can Create a Family Legacy For generations, wealthy families such as the Rockefeller family have focused on one core financial principle: preserving wealth across multiple generations instead of simply accumulating it during one lifetime. One of the most powerful tools used in legacy planning has been permanent life insurance — […]
Tree Contractors Stop Overpaying for Bad Insurance
Why Tree Contractors Struggle to Find Insurance Tree contractors perform some of the highest-risk work in the contracting world. Between climbing operations, crane work, chainsaw exposure, falling debris, workers compensation concerns, and heavy equipment usage, many insurance companies simply avoid the class altogether. As a result, many tree contractors are forced into brokered or non-standard […]