What's really important?

No event in life ranks as high as the birth of a child.  The birth of my first grandchild a couple of weeks ago really punctuate that point for me again.  In everything that we do and all we try to obtain in this world we should realize that it is the two common experiences that we all have that bind us together in this world.

 

We are all born and we all die ... all the events in between pale in comparison to those two.  Our first day on this planet is a special one that should be celebrated and honored.  No matter how humble or expansive our beginnings, we come into life the same way.

 

Likewise, when it is time for us to leave this world, we do so alone and without the money, or possessions we've accumulated.  It is such a powerful and profound moment when you get to share someone's last second on earth with them, it will forever change you.

 

I make my living by helping people protect the things they accumulate after they are born and leave behind when they die ... sounds silly in the scope of things, doesn't?  That's why I'll always tell you that life insurance is the most important kind of insurance there is.  It's the only type of insurance guaranteed to pay off.

Protect the ones you love, FIRST!  Then we can talk about you car, business or home.

Call or email me for a low cost option for life insurance!

Secrets Revealed!

I'm often asked how to lower the cost of insurance.  People are quick to point out that their premiums have gone up every year and they want to know why.  I understand and while they don't typically blame me I'm a convenient target for their aggravation.  I try to be patient with folks but really I'd like to point out that everything increases in cost and your insurance is in place to protect that ever increasing replacement value.

 

In other words as the price of auto parts goes up the cost to fix them when the are in an accident will also increase, and like all businesses, the insurance company has to make money or it will go bust.  When repair parts and labor costs start going down the insurance company can begin to look at becoming competitive on pricing.

 

There are only two ways to lower your premium's ... here it is the big secret revealed;

 

1.  Buy less stuff ... if you have 12 cars you are going to pay 12 premiums ... if you have a half million dollar home, you will pay more than the guy with a hundred thousand dollar home.

 

2.  Accept more responsibility for your risk ... we talk about deductibles in the insurance business but really a deductible is just how much are you willing to share in the damage?  If you have a zero deductible or a $100 deductible you are telling the insurance company that you will make a lot of little claims.  If you set your deductibles at $1000 then they know you are not going to ask for their help until you really need it.

I hope this helps everyone!  But I know that rising prices get on our nerves, remember I pay the same insurance rates that you do, so find an agent you trust and have a conversation about the cost verses the benefit.  You may decide to down size or at least shoulder more of the cost of a loss.

J

Call me for all your insurance needs.