Who takes care of your income protection? If you’re sick or hurt and unable to work, how would you pay your most basic expenses: #Mortgage#Utilities #Groceries?
Watch this short video, then contact me and let’s work on your MUG plan!
The first of the 78 million baby boomers turned 65 on January 1, 2011, and some 10,000 boomers a day will reportedly reach that milestone between now and 2030.
Every small businesses should protect their company with small business insurance. General Liability insurance coverage covers physical damage to the property of others or injuries to others, as well as protection from claims of libel and slander.
Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.
We have all struggled with this one important question: How much life insurance should you buy? I can help you answer that question in 2 easy steps.
1. Cash Now
If you passed away, your family would need an instant infusion of cash to pay for any last medical expenses and a funeral. But how much will that be?
The average cost of a traditional funeral is between $7,000 and $10,000. That’s not counting any doctor or hospital bills your spouse may be left with after you’re gone. If you’re in doubt, leaving $10,000 to $15,000 to handle these expenses is a good place to start.
It is estimated that 70-80 million Americans own at least one firearm. A recent Gallup poll indicates that concern over personal safety is the most common reason given for owning a gun.
But what happens if a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property? There will be an investigation – and potentially a criminal trial. Even an eventual acquittal provides no guarantee that the “victim” or his/her family members won’t sue in civil court.
Many homeowner policies specifically exclude firearm use – even in self defense – as a covered exposure, deeming it to be an intentional act. That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action.
CONSIDER SOME OF THE FEATURES OF THIS FIREARM LIABILITY:
Civil Actions – Legal Defense.Provides expert legal counsel to protect you against civil litigation arising out of the covered use of a firearm for self-defense.
Civil Actions – Indemnity. In the event of an adverse civil judgment occurring from a covered event, the policy will pay monetary awards (up to the limit of liability).
Criminal Actions – Legal Defense Reimbursement.Policy will reimburse insured for reasonable legal expenses incurred while defending him/herself against criminal charges arising from the use of a firearm in self-defense (up to the limit of liability).
Criminal Actions – Legal Defense Retainer.Advances funds to the insured to cover the cost of retaining legal counsel to defend against a criminal action.
Criminal Actions – Bail Bond.Advances funds to cover the cost of securing a bail bond.
Compensation While in Court.Compensation for loss of earnings resulting from time off taken from work to assist the insurance carrier in the investigation or defense of a covered claim.
Firearm Theft Civil Liability.Provides legal defense for civil actions resulting from bodily injury/property damage caused by firearm stolen from the insured.
Psychological Sessions.Reimbursement for therapy sessions with a licensed professional to help the insured cope with the trauma associated with using a firearm in self-defense.
Legal Defense Hotline.Access to a hotline staffed by legal professionals. This service is provides advice on questions relating to the use of a firearm in self-defense.