Are you one of the people who think you don’t need life insurance? Please think again. Life insurance provides real security for those you care about. Life insurance benefits can provide financial security and resources for your family or loved ones after you are gone. Let’s look at a few of the reasons to consider life insurance:
• Payment on Debt– If you have any outstanding debt (mortgage, credit cards, etc.) at the time of your death, it does not go away. Your estate will still be responsible to settle all accounts. Life insurance can provide the financial resources to cover debt.
• Continuation of Income- Life insurance can provide the funds to replace your income upon your passing. Family income will certainly diminish with the loss of an income earner, which means your family will experience a lower standard of living. The death benefits of a life insurance policy can prevent this from happening, or at least keep the impact to a minimum, by replacing income lost with the demise of the breadwinner.
• Unpaid Medical Expenses- It is highly likely that you will incur medical expenses prior to your death. Some of which may not be covered by health insurance. Adequate life insurance proceeds ensure that these final expenses are covered.
• Funeral Expenses- Most people don’t plan for, or fund, funeral expenses. Again life insurance is there to help.
The good news is that life insurance rates are low and there are many different kinds of products to select from. One question we often get is, “How much life insurance do I need”? The answer to that depends on your individual situation, but the general guideline is, a life insurance limit of at least ten times your annual gross income is a start. For example, if you earn $50,000 per year, your family would need to replace somewhere close to that amount. A $500,000 life policy could return $45,000 to $50,000 annually, depending on interest rates.
The most cost effective type of policy is term insurance. Term insurance provides protection for a specific, limited amount of time, usually in five-year segments, such as for 10, 15, 20, 25 or 30 years. Typically you pay annually and the premium is locked in for that period of time.
Every Day Insurance has some excellent affordable plans available, so please email or call us at 619-297-4111 so we can help you plan for the future.
What Should Be Part of Your 2020 Personal Insurance Planning?
Should I consider a personal umbrella policy?
Is my home valued correctly?
Do I need to add or remove any drivers?
Have my life insurance needs changed?
Things That Can Affect Your Insurance
Children in college.
Purchase of a new vehicle, ATV, motorcycle, or boat.
Planned foreign travel.
Purchased any items of value like art, guns, or jewelry.
Starting a home-based business.
Purchasing a vacation home.
Using your home as rental income.
If you call us, one of our team members will help you find the best possible combination of coverage, price, and service. Our agents have access to more carriers, and that means that they have more options, including multiple policy discounts and preferred premium pricing.
Protect what matters most to you with San Diego, CA. Car, Home, Commercial Auto & Business insurance. We offer the best combination of competitive rates, coverage and personal service in San Diego.
Every spring, North Americans gear up their grill, stock up on the meat, and prepare for many mouth-watering barbecues. But how much do we really know about the art of barbecuing? From the familiar pastime's origins to surprising tips and tactics, this list will provide you with all the information you need to wow your friends at the next neighborhood barbecue!
Barbecues originated in pig-pickings, feasts that were common in the Southern United States prior to the Civil War. Whole pigs were cooked and eaten by the crowd.
Smoking was used as far as 6000 years ago in order to make meats safe to eat and store. The meat was exposed to smoke and low heat in order to prevent bacteria and enzymes from growing.
In Australia, a barbecue is commonly referred to as a barbie. The famous statement Ill slip an extra shrimp on the barbie for you, which appeared in Australian tourism advertisements, is often used to refer to the country.
What most North Americans partake in today isn't actually barbecuing. Barbecuing is cooking at temperatures around the boiling point of water (180-220*F) for a longer time period, in order to make the meat tender while preserving its natural juices. Today, the method most commonly used is, in fact, broiling: cooking at 475-700*F in much less time.
According to the Barbecue Industry Association, half of all marshmallows eaten in the U.S. have been toasted over a grill.
For an easy way to check how much propane you have left, bring your bathroom scale outside and weigh the gas tank.
The origin of the word barbecue is unclear. Some believe it came from the American-Indian word barbacoa for a wood on which foods were cooked. Others say it came from the French words de barbe queue, meaning whiskers to tail.
To add a smokey flavor to your gas-grill-cooked foods or foods cooked inside the house, use liquid smoke. A condensation of actual smoke, this product can be easily added to your barbecue marinade or sauce.
9) Brisket, the extremely hard cut of meat taken from a cow's chest, takes one to two hours per pound to barbecue. That's an average 12 hours on the grill for a basic 8-pound piece!
10) Kansas City, Missouri, Texas, and Lexington, North Carolina, all claim to be the barbecue capitals of the world. Memphis, meanwhile, stakes a claim to being the pork barbecue capital.
Now you're set to impress!
All of us at Every Day Insurance thank you for giving us the opportunity to serve you. Happy BBQ'ing!
Homeowners insurance is designed to cover accidental loss or damage to your home and personal property. Homeowners insurance also covers your personal liability if someone is injured on your premises.
We recommend that every client actually read their homeowner's policy to gain an understanding of the coverage and exclusions. Here are at least three things you need to understand about your homeowner's insurance.
What the homeowners policy covers and does not cover. As stated above, a homeowner’s policy typically covers loss or damage to the home and personal property up to the policy limit. It also provides liability coverage if someone gets hurt on your property and decides to sue. Some common policy exclusions are flood, wear and tear, faulty workmanship, and even hurricanes in some locations. It is important that you read your policy to understand what is covered, excluded, and what your rights and obligations are.
Always have replacement cost coverage. Replacement cost coverage is available for the structure of your home. This allows you to repair the home to the state that it was before the damage took place. Actual cash value coverage is replacement cost less depreciation. The older your possessions are, the less you will recover from the homeowner’s insurance company.
Know what you can do to reduce premiums. These things will help keep your premiums lower: installing an alarm system or water intrusion system, having a fence around your pool, living close to a fire station, and updating your roof or electrical system.
Every Day Insurance is committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.
All of us at Every Day Insurance truly value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.