FAQS
You’ve Got Questions - We’ve Got Answers
We’ve compiled some of the most common questions we receive about our Insurance Agency and the industry below. Feel free to contact us with any other inquiries you may have or if you still need further help.
DO YOU OFFER FREE CONSULTATIONS TO NEW CUSTOMERS?
Yes consultations are completely free. If you have any questions give us a call at our number below or click down below in the "Lets Chat" box
HOW DO I MAKE SURE I’M NOT OVER-INSURED?
Well....good insurance isn't cheap and cheap insurance isn't good. So its important to understand what benefits are a must-have for you and what may not be as important. If you have a certain monthly budget in mind its important to let our representatives know what is a priority to you in order for them to point you in the right direction.
WHY DO I NEED TO BUY INSURANCE?
We can never plan when unexpected things happen so its good to make sure that we have something as a safety net to help alleviate the costs of when things do arise.
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In Warren's study published in 2005, there were 1.45 million bankruptcies. The same researchers' 2009 study claimed that 62.1% of all bankruptcies were caused by medical bills.1 In this study, the researchers interviewed a group of people who filed for bankruptcy between January and April 2007. It expanded medical causes to include:
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Those who mortgaged a home to pay medical bills
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Those who had medical bills greater than $1,000
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People who lost at least two weeks of work due to illness
POLICY LIMITS
Your insurance policy limits represent the maximum amount you can receive in coverage from your policy. Just like changing your deductible, adjusting your policy limits will affect your premium rates. Higher limits result in higher premiums. However, increasing your limits might be more affordable than you think. If you have concerns about your coverage, it's worth discussing with your agent..
PREMIUMS
When choosing health insurance, it's important to consider the cost of premiums as they are an ongoing expense that you must pay to maintain coverage, regardless of whether you ever need to file a claim. If cost is your main concern, focus on comparing premiums across plans to find an affordable option.
DEDUCTIBLES
If you need to file a claim with your insurance company, you'll typically have to pay a deductible before your benefits kick in. The deductible is the amount you pay out of pocket before insurance covers the rest of the costs. For instance, if you have a $500 deductible and a $2,500 claim, you pay the first $500, and your insurer covers the remaining $2,000. Insurance policies usually offer a range of deductible options, with lower deductibles resulting in higher premiums. Choose a deductible that suits your financial situation and needs.