Posts tagged "Independent Agent"

Life Insurance: Which companies out there are the “top rated” in perspective of service *AND* price ?

Question by mbmeyer5447185: Life Insurance: Which organizations out there are the “best rated” in point of view of service *AND* price tag ?
With so numerous firms and web sites to pick from, how does the average individual know which business has the finest service–along with reputation ? In addition… Is ‘Primerica’ truly the “leading of the line” as they claim to be ??

Best answer:

Answer by mbrcatz17
I wouldn’t acquire Primerica. JMO.

Pricing varies wildly. A single organization may be finest for rated men and women, one for smokers, 1 for 30 year olds. So it is impossible to rate based on cost.

You really require a local, independent agent to shop about, and get you five or 6 quotes from a variety of a rated carriers.

What do you think? Solution below!

Get the 4 ways to reduce expenses in retirement

As the baby boomer generation reaches 65, the number of retirees will hit an all time high.  Many of our new medicare supplement clients are asking us for advice on making their money last longer .  With the life expectancy of the boomers expected to be the longest in history , this is a very real concern .

We have come up with 4 ways to scale down your monthly expenses that don’t involve living in a cave or collecting cans for recycling (smile).

1. Make sure you have the best supplemental medicare insurance plan:  Everyone should compare advantage plans to medicare supplement policies to see which one is sound for you.  Since we are an independent agent, we can promptly help you compare plans from all companies in your area .  This can often save $150-$175 per month per couple.
2. Get quotes on your home and auto insurance policies :  When you turn 65 many insurance companies offer great discounts on both your auto and home premiums .  Use a quality independent agent and see how much you can save.  We have seen many clients cut $100 or more off their bill each month.
3. Drop your home land line and use your cell phone :  If you use a cell phone and never go over your minutes, you might be able to drop your land line and save $50-$80 per month.  Make sure this won’t cause issues such as effecting your alarm system or other medical alert systems .  But this works for a lot of our customers.
4. Move CD money that you won’t need for 24 months to an annuity :  As long as you don’t need to access the money of 24 months or more , you can ordinarily double the return on your money by moving it to a simple fixed annuity.  This is not going to save you money each month, but over 24 months you will have an extra $1500 to $2000 in interest earning on $25,000 in principle.

With just these 4 tips you could have an extra $7000 in your pocket after 24 months !  Pretty incredible results for a few actions that don’t change your standard of living at all .

For more information about medicare supplement insurance or any other type of financial protection, don’t hesitate to contact one of our medicare insurance specialists.  They are always ready to help!

Seeking an independent homeowners Insurance broker in Texas?

I am lookng for the lowest rates on homeowners insurance in the state of Texas.I prefer an independent insurance broker.

Find an independent agent in your area at this link -

http://www.iiaba.net/agentlocator/findagent.aspx

Or you can go the old fashioned way and look in the Yellow pages.

How much does Homeowners Insurance cost?

Whats a good estimate for how much my homeowners insurance would be if I’m a first time buyer, my home is around 300,000. and I have good credit, plus the home is in a brand new developement. I just want an estimate. Thanks.

You are open for a pretty good range of values, depending on where you live and what coverages you are looking for.
Typical annual premium will be $500 for lower coverages in a not-so-risky area (risky is coastal, Southern Florida, fire or earthquake zones, etc).
If you already have auto insurance, call your agent to have him/her discuss your options; there are a lot of them. Make sure to use an independent agent that can write you a policy with one of several different companies. That will give you the flexibility of premium and coverage options.
A good agent will spend 30-60 minutes with you to make sure that they understand all of your insurance needs (car, home, home-business, kids, pets, etc). If they just spend 2 minutes to get the basics from you, keep looking for a better agent.

I need auto, health, and condo insurance; what is the cheapest way of doing this?

I need a descent health plan that will cover prescriptions. I am still young and don’t need much but I do have a prescription to fill that is about 250 without assistance. So I guess what I’m wondering is if I get all of them through a company like State Farm, will they give me a price break since I use them for everything? Thank you.

OK, if you don’t have anything wrong with you (but you do), health insurance is GOING to cost you $250 a month. So yours will likely be more.

Health is ONE kind of insurance, and condo/auto is another – you’re NOT going to get State Farm health insurance. Your health won’t be with the same company as your car and condo.

You WILL get a price break on the car and condo, but NOT the health.

I’d go to a local, independent agent for quotes. But health will be CHEAPEST through your employer.

How can I buy home insurance if I use one room for my business?

Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as "not eligible" for home insurance. Is this true? How do I get around that? What’s the best home insurance company?

Try this site to find the best home insurance company that suits your need

http://best-home-insurance-comparator-usa.blogspot.com/

Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.

True, but it depends on the exact type of business.

I’d think, with no foot traffic, and no business property exposure except a laptop, and no manufacturing going on, most homeowners carriers won’t have a problem – If you carry business liability insurance.

Even if you don’t want to carry insurance for the business, you’ll still likely be able to find an insurer willing to cover the homeowners part (none will cover the business part), you’ll just have to look a little harder. Use an independent agent, and they’ll be able to take care of you.