Insurance Blog

3 Questions to Ask When Buying Life Insurance





Life insurance is one of the most important gifts that you can give your loved ones. The amount of life insurance that you want depends on different factors in your life. 

What are your current financial obligations such as debts and childcare and mortgage? 

What will be the future needs of your family? Answering these questions will help you narrow down some insurance options for your family. 


You can use this online calculator to determine how much life insurance you need:

Which do I buy?

There are two basic categories of life insurance to choose from. There is term or permanent life insurance. Term insurance can be a good fit for younger individuals and families, who need protection against the loss of income of a primary earner for a stated period of time, at an affordable cost. Permanent insurance accumulates a cash value, and the policy owner may be able to borrow against it tax-free or use it for retirement or other goals (like education). Premiums are initially higher than for term coverage.

What Is Cash Value Life Insurance?

Permanent Life Insurance 101


If you purchase a permanent life insurance policy, you will need to choose which type of permanent life insurance is best for you. There are four types of permanent policies that typically offer built-in savings called “cash value.” The policies vary in how the cash value is invested and whether it will affect the policy’s benefits or premium payments: 




Variable Universal 

Indexed Universal






Goods for the Bahamians!


We are happy to announce that the Hardy Family has organized an effort to send much-needed supplies to the Islands of the Bahamas that were recently devastated by Hurricane Dorian. Drop off is at our office, The Roe Agency at 5644 Tavilla Cir #107, Naples, FL 34110 Below is a list of items that are needed at this time and can be dropped off at our office. The Hardy family will continue to get more information from locals and the Bahamas Chamber of Commerce and we will update you here.

God bless our great South West Florida for your help and thank you for praying with us for the Bahamas and the rest of our coastal states in the path of Hurricane Dorian.


(Also: If you would rather donate funds to cover the cost of shipping the container, please visit our Go Fund Me page at Naples Organizing Bahamas Support.

Another way to get involved is to purchase from our Amazon Wish List and ship directly to the storage site that will collect donations before loading the container.

For more information, please visit our Facebook Page - Naples Organizing Bahamas Support and follow us on Instagram @bahamasstrong.)

-High protein Non-perishable items with

pull back lids (beans, canned meats, nuts,


-Canned soups and pastas

-Pre-cooked Rice Packages

-Baby items (diapers, wipes)

-MRE (meals ready to eat that can be

purchased on Amazon)



-Water filtration systems

-Electrolytes -First aid kids -Imodium -

Non-electric radios

-Walkie talkies with batteries to fit

-Marine radios

-Toilet paper




-Chain saws

-Socks (new)

-Underwear for all ages (new)

-Solar phone chargers

-Solar lights



-Shelf stable milk




-Portable stoves and butane containers

-Liquid baby formula




-Large plastic bins with tops



Facts and Questions to ask your insurance agent when purchasing flood insurance.

Picture Credit: Nasa



FACT: Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Recovering from just one inch of water inside your building can cost about $27,000. 

FACT: Homeowners and renters insurance do not typically cover flood damage.

FACT: Floods can happen anywhere--More than 20 percent of flood claims come from properties outside the high-risk flood zone.

FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.

FACT: A claim against your flood insurance policy could and often does, provide more funds for recovery than those you could qualify for from FEMA or the SBA--and you don't have to pay the money back.


What questions should I ask to get the coverage I need?

talk to your insurance agent about flood insurance. Here are helpful questions to ask your agent:

  • What flood zone do I live in? What is my property's flood risk? Is there a flood map (see note below) change coming that could affect what I pay?

  • Is flood insurance mandatory for my property? Will the lender require it?

  • Do I qualify for a Preferred Risk Policy?

  • Does my community participate in the National Flood Insurance Program's Community Rating System (CRS)? If so, does my home qualify for a CRS rating discount?

  • What will and won't be covered?

  • Will the federal government back my flood insurance policy?

  • How much coverage should I get for my building and for my contents?

  • How can I reduce the cost of my flood insurance?

  • Are there additional expenses or agency fees?

  • Will my policy provide Replacement Cost Value or Actual Cash Value—and what's the difference between the two?

  • Who should I call if I have a flood claim?

  • How can I pay for my policy?

  • How do I renew my policy?

What Is An Elevation Certificate And Why Might I Need One?

Your insurance agent may ask you for an Elevation Certificate (EC). This certificate verifies your building's elevation compared to the estimated height floodwaters will reach in a major flood in a high-risk flood area.

It's also beneficial to ask if your community participates in the Community Rating System (CRS), because this could mean local officials already have a copy of your EC on file. Policyholders with insured properties in communities that participate in CRS may be eligible for policy discounts.

A property owner in a high-risk flood area always has the right to purchase an EC, which may reduce your flood insurance premium. Please contact a licensed insurance agent for further information.

Information from this article found here. Check out more info: