Are You Waiting for Us to Ask?
Surveys tell us that half of all American households have no life insurance other than a group policy at work. Most people say they know they need more life insurance protection for their loved ones, but haven’t done anything about it. Here are the leading reasons people give for not having life insurance. Does one of these sound like you?
1. Don’t know what I need and what to buy. We are here to answer your questions. No pressure, no obligation, just free advice. There are no dumb questions when it comes to providing protection for your loved ones.
2. Don’t think I can afford it. High price is a common misconception about life insurance. Asaverage life span continues to get longer, life insurance rates continue to decline. A 25-year-old male can get $250,000 of term life insurance for as little as $17 per month. Term life for a healthy 45-year-old would cost about $31 per month. A 65-year-old male could get $10,000 of final expense coverage for $49 per month. Female rates are generally even lower.
3. Haven’t gotten around to checking into it. Just a phone call to our agency can get you set. We will make it simple.
4. I am immortal! Being in the insurance business, our staff hears startling examples of totally unexpected and untimely deaths all too frequently. The best time to buy life insurance is when you are healthy, while coverage is affordable.
Some of our companies, like Auto-Owners Insurance Company, offer substantial multi-policy discounts on your homeowners and auto policy when you have your life insurance with the same company. These savings can go a long way toward paying the cost of your life insurance. Ask us about discounts available to you.
Remember, life insurance is for the ones you love. Call us today!
Cover Your Bases by Checking Your Roof
Your roof is your home’s first line of defense against the elements. The sun, wind, rain, snow and sleet can all wear your roof down over time. That’s why it is important to make sure your roof and roofing materials are properly maintained. If you watch for early warning signs of a deteriorating roof, you can reduce or eliminate a costly repair bill in the future.
Do you have a problem?
Many of us are not experts when it comes to home repairs. How do you know if it may be time to repair or replace your roof? When it rains, look for roof granules washing into your downspouts and gutters. Be on the lookout for shingles that are starting to curl up or crack. Watch for water stains on your ceiling. Even the smallest leak can be a sign of big trouble. If you notice any of these warning signs, it may be time to have your roof inspected by a licensed and insured contractor.
Can you prevent a problem?
For many people, your home is your single largest investment. Just like anything else, your roof needs to be maintained to avoid sudden surprises. Here are a few tips to help make your roof last longer:
- Proper eave and ridge ventilation can help extend the life of your roof by preventing the buildup of heat and moisture.
- Keep trees trimmed to prevent them from rubbing against the roof and to prevent excessive debris buildup.
- Keep your roof, valleys, gutters and downspouts free of leaves, twigs and other clutter that can prevent proper drainage.
Be proactive, watch for early warning signs and take steps to prevent roof damage, and you can have peace of mind that your roof will be there to protect you from the elements.