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Save Money on your Auto Insurance with These Discounts!



 

 

One of the obvious suggestions to lower your car insurance is to shop around for the best rate but be aware that a lot of companies will give you a lower rate but will leave out important coverage in order to get you to that price. Make sure before you purchase your new car insurance that you have the coverage that you need. With our insurance, we give you the best coverage as well as opportunities to keep your insurance at the cheapest rate possible.

No one wants to spend more on their car insurance than they have to. Here are discounts that we offer to ensure that you get not only the cheapest rate possible but the right coverage to protect you on the road.        

    florida car insurance

    

DISCOUNTS With The Roe Agency

    

Vehicle Discounts:

Anti-lock brake discount

Save up to 10% if your car is equipped with anti-lock brakes

 

Anti-theft device discount

Save up to 10% if there's an anti-theft device in your car

 

New car discount

Save up to 15% if your car is a current model year or one year prior and you're the first owner.

 

Policy Discounts

The way you pay, add or manage your insurance policies can help you save on your premiums.

EZ pay plan discount

Save up to 5% when you set up automatic withdrawal for paying your premium

 

eSmart® discount

Save up to 10% if you sign up for ePolicy, a convenient way to view insurance documents online

 

FullPay® discount

Save up to 10% when you pay your policy in full

 

Multiple policy discount

Save on your auto insurance when you have multiple policies from Allstate

 

Early Signing Discount®

Save up to 10% when you sign your policy 7 days before it becomes effective

 

Responsible payer discount

Save up to 5% if you did not receive a cancellation notice for non-payment in the past year

 

Smart student discount

Save up to 35% if you meet one of these requirements:

  • 1. You're a single, full-time student under the age of 25 and getting good grades

  • 2. Your teen successfully completes the teenSMART driver education program

  • 3. Your child attends school at least 100 miles away from where your car is garaged

Safe Driving Club

 

Save big if you meet the safe driving requirements to make it into the club.

 

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10 important questions about life insurance that you might not have asked.

 

 

allstate life insurance roe agency




Life insurance can be a tough topic to learn about because no one really wants

to talk about dying. Below we answer 10 questions that people generally want to know

but don't want to ask.

 

1. Do I have life insurance through my employer already?

Some employers offer life insurance that you would have signed up for when you were hired. Usually, the coverage offered through your employer is inadequate. Even if your company offers great life insurance, you will lose it when you don’t work there anymore. If going through your employer is the only kind of coverage that you’re going to have for yourself at this time than certainly do not forgo it. It is better to have it than to go without.

 

2. Are medical exams required for me to get a life insurance policy?

Medical exams are a part of the underwriting process.  

There are a few policies out there that do not require a medical exam but they generally have higher prices. Allstate offers no medical exam life insurance. Click here for more info: no-medical-exam life insurance policies

 

3. Why am I taking this medical exam?

The medical exam will determine someone’s health classification which will determine how much the premiums are.

"classification"

Classification varies but there are classifications that most companies go by.

Preferred Plus, Preferred, Standard Plus, Standard, Substandard and Smoker. The results of your medical exam depend on a number of health and lifestyle factors in your life. The exam is similar to a basic physical.

Generally, this is what you can expect in the exam:

 

  1. Measurement of your weight and height

  2. Measurement of your blood pressure and pulse

  3. Blood work (to check things such as cholesterol, glucose, protein, and HIV)

  4. Urinalysis (to check things such as HIV, protein, glucose, creatinine, and cocaine)

 

4. Can I go to my own doctor for the exam?

Insurers do not want potentially bias third parties to give the exam. The good news is that the insurance company will pay for the exam. The technician will typically come to your house and the insurance company is not who is testing you. Generally, a third party will be the ones that test you.

10 questions about life insurance

5. Am I supposed to lose weight before I take a life insurance exam?

The insurance company is looking for your BMI. A healthy BMI will only help qualify you for the highest or best classification and therefore lower premiums. However, Insurers require to know if your weight has fluctuated more than 10 pounds within the last year. They are looking for the most accurate representation of your health.

 

6. What’s an underwriter?

 

An underwriter works for the insurance carrier and figures out how risky you are to ensure.  They look at your exam results and medical records to help them conclude what classification you belong in. The underwriter will even look at your vehicle reports. Click here if you’d like to read more: a guide to the underwriting process

 

7. What happens if I lie to the underwriter and they find out?

Here is what probably would happen if deception is discovered:

-All of the quotes you have been using will be wrong and you will be offered a higher premium.

-You will get denied coverage or your policy canceled.

-Your death benefit will not get paid out.

8. What’s a death benefit?

The death benefit is the amount that is paid out when a life insurance claim is filed. The death benefit is paid to the beneficiary which the owner of the policy determined before the insured is deceased.

9. What is term life insurance?

Term insurance is a policy that covers you for a fixed period of time.

It is basic and inexpensive.  Term insurance is good for a specific period of time. If you die during your term period, your beneficiary will receive the death benefit.

Regular Permanent life insurance, on the other hand, covers you permanently.

10. Which is better — term life insurance or permanent life insurance?

I like how policy genius answers this question:

We recommend term life insurance. Unless you’re super-rich, have a complicated estate situation or are closing in on retirement, it’s almost certainly better for you. That’s because the aim of life insurance is to cover your family during the years you’re working to provide for them. (They can take over from there. At least theoretically.) Plus, permanent life insurance is a lot more expensive. Having said all that, you can find more on term vs. permanent life insurance here.

by Jeanine Skowronski

https://www.policygenius.com/life-insurance/learn/whole-life-versus-term-life-insurance/



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8 Life Insurance Myths Debunked

 

 

life insruance 

 

We'll do anything to protect our loved ones, right? But the decision to buy life insurance is often met with hesitation, confusion or even denial. After all, it's not an easy subject to think about: What would happen if you were to pass away? When it comes to protecting your loved ones with life insurance, it's important to separate fact from fiction.

To get started, read on to learn the truth about eight life insurance myths — it may change your perspective and lead you to make informed decisions about purchasing a policy.

MYTH 1: I'M SINGLE, OR MARRIED WITH NO CHILDREN, SO I DON'T NEED LIFE INSURANCE.

Even if you are in this group, life insurance is important. Life insurance may help your loved ones pay off your debts (like some private college loans, for instance) if you pass away. Planning early not only helps protect your loved ones from burdensome expenses, but it also gets you started on a financial plan for the future.

family

MYTH 2: I CAN'T AFFORD LIFE INSURANCE.

According to the 2015 Insurance Barometer study conducted by Life Happens, 80 percent of consumers misjudge the cost of term life insurance. Life insurance can be very affordable for many people, depending on the coverage you’re looking for. You can start with a policy that fits your budget, and you may be able to purchase additional coverage later on.

 

MYTH 3: I'M A STAY-AT-HOME PARENT. I DRAW NO INCOME. I DON'T NEED LIFE INSURANCE.

If you're a stay-at-home parent, life insurance is still important. While you may not bring in an actual paycheck for the household, you likely provide services that could cost tens of thousands of dollars to replace each year. These may include child care, daily transportation, home maintenance and cooking, to name a few. If you were to pass away, life insurance may help cover some of these costs.

 

MYTH 4: I HAVE A LIFE INSURANCE POLICY THROUGH MY JOB. IF I TAKE ANOTHER JOB OR GET LAID OFF, I CAN TAKE THE POLICY WITH ME.

Typically, your employer-offered life insurance policy isn’t portable — meaning if you leave your job, you’re probably also leaving your life insurance protection behind. However, when you buy your own, separate life insurance policy you decide how long you want to be covered. Additionally, with an individual policy, you may be able to get more personalized coverage that fits your financial needs.

 

MYTH 5: MY BENEFICIARIES WILL HAVE TO PAY INCOME TAXES ON THE PROCEEDS FROM MY LIFE INSURANCE POLICY.

Your life insurance death benefits are generally income-tax-free and do not have to be reported, according to the International Revenue Service (IRS). Life insurance helps provide your family with income-tax-free money to help pay for a number of things like funeral expenses, a mortgage, or college tuition.

 

MYTH 6: IF I GET A TERM LIFE INSURANCE POLICY, I CAN'T CONVERT IT TO PERMANENT OR WHOLE LIFE INSURANCE POLICIES.

It is possible to convert some term life insurance policies into a permanent life insurance policy, depending on the policy purchased. However, it's a good idea to speak to your agent up front, as these types of term policies typically must be converted within a specified time period. You also may encounter additional requirements with a convertible term policy, such as increasing premiums.

MYTH 7: I DON'T NEED LIFE INSURANCE ONCE MY CHILDREN ARE ADULTS.

Life insurance can help you in many different stages in your life. Life insurance later in life has a number of advantages, such as helping to relieve the burden of paying for final costs, paying for state estate taxes your heirs may face, paying off any debt you may have left behind, or simply leaving your children with an inheritance.

 

MYTH 8: I HAVE A COMFORTABLE AMOUNT OF SAVINGS, SO I DON'T NEED LIFE INSURANCE.

While your savings may last through your retirement, have you thought about final expenses? According to the National Funeral Directors Association, the national median cost of a funeral with a burial in 2014 was $7,181. If you don’t have enough money saved, it is possible your loved one won’t be able to pay off final expenses. Keep in mind, if your mortgage has not been paid off, your loved ones may not be able to hold onto your home, if not enough money has been saved.

No matter where you are in life, it's important to help protect your loved ones and your assets with life insurance. If you have any questions, reach out to us! (239) 593-7333

 

Article from: https://www.allstate.com/tr/life-insurance/life-insurance-myths-facts.aspx

 Photo credit: https://dod.defense.gov/News/Article/Article/1164328/face-of-defense-airman-provides-family-haven-for-orphans/

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