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Farmers Insurance - Trent Brown
By Trent Brown - Farmers Insurance Agency May 14, 2014
I was able to save Tim over $400 on his homeowners insurance #farmersrules ...read more
Farmers Insurance - Trent Brown
By Trent Brown - Farmers Insurance Agency May 14, 2014
I was able to save Tim over $400 on his homeowners insurance #farmersrules ...read more
Allstate Insurance: Maybo Yen
By pu12pleg12een April 14, 2014
DO NOT GO TO THIS LADY. Very unprofessional and does not care to help you. Has raised her voice at me multiple times as I have spoken to her in a calm manner. Makes you chase her around. I've set times where I will come in to drop off a check to her and she was not there. Has told me multiple times to call back another day while it is her business hours. Her work ethics is HORRIBLE. I have a longer personal story but don't want to write a novel just know not to go to Maybo. ...read more
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What is your objection to term insurance?
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
Women Must Focus on Retirement Income
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
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