By Harry Kimmel June 27, 2016
They have an astounding coffee in here, I don’t care if they change the brew every once in a while I just love the way they brew it, it stings a little but I love the jolt of energy from a cup. ...read more
By AARP Hartford Insurance Authorized Local Help Line May 06, 2016
great services ! Love the level of service. First class service all around with a very personable touch and great attitude. Give them a call, seriously ...read more
By goverment December 17, 2015
The worst agent with what I have just worked. The big problems we brought. I do not advise anyone of such an agent. ...read more
Trust TW Morgan Insurance Services to provide the highest level of service and options in health insurance, workers compensation, homeowners insurance, and business insurance in Portland, OR. ...read more
By TW Morgan Insurance Services June 10, 2015
A GENT ARTICLE R ETURN OF PREMIUM (ROP) POLICY By: H.Q. La One objection to purchasing term life insurance is just that: when the term is over, the policy is finished. That's it. No more coverage. Many people I've talked with about term insurance worry they will outlive the policy period and ‘waste their money' on something they didn't need. It can be difficult to counter these arguments except by explaining how term insurance can be an affordable way to provide life insurance coverage for a specific time period. Until now. Insurance companies are offering term policies that actually return the premiums you've paid after the level premium period ends. In other words, if you purchase a 20-year term policy and are still living when the 20 year level premium period ends, the premiums you paid will be returned to you, in many cases free of federal income tax. Those returned premiums can have a number of uses. If you still need life insurance you could purchase another policy. You could also use the premiums that are returned to pay down your mortgage or even add to your retirement savings. Life insurance can provide peace of mind that your loved ones' financial burdens may be eased if you are no longer there. The benefit provided by life insurance can help keep dreams alive. One objection to buying term life insurance has been addressed by a policy that may return the premiums you paid. Ask an insurance professional about a product that provides needed life insurance coverage but has the potential to return your premiums at the end of the term. ...read more
By H.Q. La - State Farm Insurance Agent December 22, 2009
Whether they are the breadwinner in their household or not, preparing for retirement should be extremely important to women. One item of planning that must be considered is the financial situation of the surviving spouse and what can be done to prepare for a potential shortfall.Women survive their spouses more often than men. The Administration on Aging estimates that seven of 10 women will outlive their husbands, highlighting the need for retirement planning even more.Unfortunately, women are often at a disadvantage when it comes to resources available for retirement. The average woman spends nearly 15 years away from the workforce, while the average man will be away for 1.6 years. This translates into lower benefits from company pensions, 401(k) plans and Social Security.Various estimates indicate expenses after the death of a husband will be 80 percent of what they had been when he was alive. Unfortunately, a widow's income may likely be much less than that. Of all elderly persons with income below the poverty level, over 70 percent are women. More than half were much better off financially before their husbands died. Less time in the workforce may also mean fewer women qualify for health benefits. This can put an even greater burden on their retirement income.It is imperative for women to start saving now for their retirement, which can be accomplished through several savings vehicles. It is equally important to protect your nest egg through adequate life insurance coverage and insurance options should your health care needs change. Adequate planning for retirement and surviving a spouse can be a deciding factor in living comfortably.Taking the time to examine household finances and planning carefully will help to ensure there are adequate means of support for either spouse during the golden years. Talk to a qualified individual about your retirement needs to prepare for and enjoy a comfortable retirement. 1 'Older Women,' Administration On Aging, 2000, p.1 Ibid. p.1 ...read more
By H.Q. La - State Farm Insurance Agent August 05, 2009
Having motor insurance gives you peace of mind, and looking for motor insurance involves carefully comparing motor insurance. Comparing motor insurance will ensure that you receive a good insurance rate and a provider that will provide quality service when you need it most. ...read more
When you have booked a cruise, the last thing on your mind are the things that can go wrong. You probably are more concerned with the fun times ahead. Unfortunately, cruise travel insurance should come to mind, as not having coverage can create problems such as lost items or trip cancellation problems... ...read more
