How Much Life Insurance Do I Need?
Calculating how much life insurance involves evaluating your financial circumstances, which vary widely from family to family. In essence, you want a policy that will cover income loss due to death, provide your family with the capacity to pay off all bills, and provide your family with the financial support your dependents need. A basic…
Read MoreWhy You Should Consider Travel Insurance for Your Next Cruise
With summer coming to an end, you may be planning one last family trip before school starts again. If a cruise is on the horizon, you might want to consider travel insurance. COVID-19 has shown us how important this type of coverage could be, with the number of cancellations that have occurred. Benefits of Travel…
Read MoreTop 5 RV Campsites in Ohio
The idea of an RV camping trip can have you daydreaming for days. I bet you can already smell the musky smoke and pine needles from the late-night campfire; taste the charred burgers; feel the rush of pride when you catch more fish than Uncle Bob. No matter what your ideal camping trip looks like,…
Read MoreTop 5 Pennsylvania Drive-In Theaters
The feeling is nostalgic: A night under the stars, the front seat laid all the way back and an old family classic playing on the big screen. Your loved ones are probably chewing popcorn a little too loudly and the car is probably getting a little too dirty, but it doesn’t matter; it’s all a…
Read MoreWhat Is Employment Practices Liability Insurance, and Why Does My Business Need It?
Employee lawsuits against employers are on the rise. Employment practices liability insurance (EPLI) is coverage to protect your business against employee claims that their rights have been violated. Some insurers will provide this coverage as a Business Owners Policy (BOP) endorsement, while others offer it as stand-alone insurance. What Does EPLI Cover? Employment practices liability…
Read MoreStarting a Family? Consider These Types of Life Insurance
When you have children, it is more important than ever to have life insurance. You want to provide for them in case something should happen to you. Death benefits from a life insurance policy could cover the mortgage payments, pay for your child’s college education, and help support your family. What Are the Different Types…
Read MoreDoes Your Life Insurance Policy Offer This Surprising Benefit?
Just six months after retiring from 32 years on the Richmond, Virginia, Fire Department, Len Archer got a devastating diagnosis from his doctor. He had pancreatic cancer, and he likely had only two to eight months to live. In an instant, Len, 56, and his wife, Paula, went from planning their retirement to preparing for…
Read MoreIs Lost or Stolen Jewelry Covered by Homeowners Insurance?
Personal jewelry items can be extremely valuable. For example, the average cost of an engagement ring in the U.S. is $7,829, as reported by Brides.com. A strand of South Sea pearls can be worth more than $100,000, as stated by The Pearl Source. If jewelry is lost or damaged because of a covered peril, such…
Read More3 Types of Living Benefits for Life Insurance
Life insurance is mainly designed to pay out death benefits to beneficiaries. But some life insurance policies also provide living benefits for policyholders. The following are three types of life insurance living benefits. Accelerated Death Benefits Most life insurance policies contain a provision known as Accelerated Death Benefit (ADB). It allows the policyholder to receive…
Read MoreHow To Dig Out After a Blizzard
If you live in an area that regularly sees snow, clearing the driveways and sidewalks after a winter storm is a regular part of life. But when severe winter weather strikes, and the snowfall is measured in feet instead of inches, digging out becomes a lot more work. Even if the weather caught you off…
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