Category: Save On Life Insurance

What is a Flood?

1/18/2015

Protect your home & your family with flood insurance. Think and plan ahead!

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Flood-hazard maps have been created to show different degrees of risk for your community, which help determine the cost of flood insurance. The lower the degree of risk, the lower the flood insurance premium.

Source: FloodSmart.gov

Click HERE For a FREE Flood Insurance Quote

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Severe Storms & Nor'easters

1/18/2015

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Best coverage for your home is now just a few clicks away. Are you paying too much for your home insurance? Are you looking to lower your cost of insurance, while improving quality? Contact us for a free, no obligation quote. Protect your home, protect your family.

Severe storms—known as hurricanes or Nor'easters—bring high winds and flooding. Winds combine with tides to cause storm surge, a huge wave that can push water miles inland. The storms also bring heavy precipitation that comes in bands. The bands can extend for hundreds of miles inland, causing widespread flooding. Slow-moving storms, such as Hurricane Irene in 2011, can travel into mountainous regions and produce especially heavy rain and significant flooding.

With a combination of soaking rain, flying debris, high winds, and tidal surges, hurricanes and tropical storms can pack a powerful punch. Besides causing extensive damage in coastal areas, hurricanes and tropical storms often bring flooding hundreds of miles inland, placing communities that normally would not be affected by the strongest hurricane winds in great danger. Just a few inches of water from a flood can cause tens of thousands of dollars in damage.

Everyone needs to be financially protected from the dangers of hurricanes. Because most policies take 30 days to go into effect, the time to act is now.

Source: FloodSmart.gov

Click HERE for a FREE Flood Insurance Quote

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Life Coverage and Rates to Meet Your Needs

12/22/2014

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With our life insurance policies, you can help your family:

Keep paying the home mortgage.
Maintain their current standard of living.
Pay off debts, estate taxes, and final expenses.
Create a fund for college education.
Create a fund for a family member with special needs.
Protect their dreams for the future.

Term life insurance is designed to provide financial protection for a specific period of time, such as 10 or 20 years. Typically, premiums are level and guaranteed for that time. After that period, policies may offer continued coverage, usually at a substantially higher premium rate. Term life insurance is generally a less costly option than permanent life insurance.

Needs it helps meet: Term life insurance proceeds are most often used to replace lost potential income during working years. This can provide a general safety net for your beneficiaries and can also help ensure the family's financial goals will still be met—goals like paying off a mortgage, keeping a business running, and paying for college.

Click HERE For a FREE Life Insurance Quote

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Life Insurance You Don’t Have To Die To Use

12/20/2014

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Cape Cod Life Insurance

Live Longer. Retire Stronger.

Living benefit options provide the ability to turn your life insurance contract into an income stream to handle the unexpected.

The conversation around retirement and aging has changed.

People are living longer and retiring stronger with more diverse lives than ever before. Age is just a number. In fact, 80 has even been coined the ‘new 60’1 and for many Americans, their second half of life is long and rich with experience including perhaps a second career, new hobbies, travel plans or spending time with family. In some cases, these experiences are not always planned, like facing unexpected financial situations such as supporting adult children or parents, market changes, an illness or even an untimely death. Traditional life insurance with standard death benefit protection is no longer enough.

Did you know you can retire stronger with living benefit solutions?

When looking at your retirement plan, the biggest concern is usually the unexpected. In addition to the positive benefits of living a long retirement, what if you outlive your retirement funds? Or alternatively, what if you are forced to retire earlier than planned, need to take care of a family member, get sick, or the market drops? Flexibility in your life insurance policy to access and use your death benefit as an income stream in the event of illness or for any other reason later in your retirement is more important than ever. Life insurance benefits – while living!

With this coverage in place, you may feel more comfortable using more retirement funds to supplement your lifestyle earlier in retirement, when there is more that you want to do.

“This is truly ‘life insurance you don’t have to die to use”.

Source: retirestronger.com

Click HERE For a FREE Life Insurance Quote

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Will You Have Enough MONEY for Retirement?

12/20/2014

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This is a question that most Americans are afraid of. Most Americans are scared of outliving their retirement than they are of death. The average American will be spend 20+ years in retirement. What most households risk, yet may not know... is that their standard of living may decline significantly in retirement.

Can you handle life's unexpected financial expenses? What if you get sick? Change the way you think about and use life insurance – safeguard your family or business and enjoy more financial control during uncertain economic times. Leverage your life insurance for protection, flexibility and control while LIVING with our living benefit riders that help protect against life’s most formidable risks – dying prematurely, getting seriously ill or living longer than expected.

If you’re about to retire, do you have $1 million, and is that enough? There’s a simple way to find out, by comparing your income with your spending. Be sure to talk to your financial planner to get on the right track. Most experts say you need 75% to 85% of your final pay to maintain the same standard of living, although if you’re still carrying a mortgage, you may need 100%.

If you still don’t have enough saved, consider working longer or spending less to make sure you don’t run out of money before you die. If you’re working, delaying starting Social Security until age 70 will sharply increase the benefit.

Click HERE For a FREE Life Insurance Quote

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What is a Flood?

Severe Storms & Nor'easters

Life Coverage and Rates to Meet Your Needs

Life Insurance You Don’t Have To Die To Use

Will You Have Enough MONEY for Retirement?

Cape Cod Home Insurance

Home Insurance Quote

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