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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Can a Life Insurance Beneficiary Decline?

The beneficiary of a life insurance policy may not even be aware that they were named in a policy. The owner of the policy has the right to choose whoever they want as the beneficiary, but what happens if the beneficiary does not want the insurance payout? Does he or she have the right to decline? What is a Beneficiary? A beneficiary is a person...

Beginner’s Guide to Business Owners Package (BOP) Insurance

BOP (business owners package) insurance can be the ideal way to protect a small business. The bottom line is that you want the maximum possible coverage at the lowest possible rate, and BOP insurance could be your best option.  The Basics of Business Owners Package Insurance A BOP insurance policy covers all the major property and liability risks, and is typically the ideal insurance for...

Driving Safely in Heavy Traffic

Navigating your vehicle in heavy traffic is stressful – and dangerous. To avoid a collision, follow these simple tips for safer driving in heavy traffic.  Relax. You will eventually reach your destination, and being a few minutes late is better than being involved in a collision!  Drive Defensively. Other drivers may drive aggressively, weaving in and out of traffic to try to save a few...

8 Tips to Staying Healthy When Your Family is Sick

When your family has come down with a “bug,” you want to avoid catching it. At least one person in the household needs to be healthy so they can care for others! You can reduce the risk of coming down with the flu or another virus. Follow these home healthcare rules if a family member is ill: Wash Your Hands Frequently. Washing your hands may...

Why Your Minor Might Benefit from a Life Insurance Policy

Most people do not consider buying life insurance until they are married or have children. If you are single and do not have any children, buying life insurance may not top your list of priorities. A minor of any age can own a life insurance policy indirectly as a gift or can be transferred by an adult.  What is the Best Age to Buy Life...