Types of Life Insurance

Choosing a life insurance policy can be overwhelming. The two main categories of life insurance are term and whole life. However, there are several subcategories, as well. At Client First Insurance Solutions in Americus, GA, we are committed to helping our customers choose the policy that is best for them. 

Term Life Insurance

Term life insurance is issued for a specific number of years or term. If you outlive the term, you don’t receive anything from the policy. You may have the option to renew the policy once the term is over. Term insurance premiums are generally lower than whole life. One reason for this is that the odds are that you will outlive your term policy, which means the policy has to pay out less often. 

Types of term life insurance include:

  • Standard term insurance
  • Simplified issue life insurance
  • Guaranteed issue life insurance

Whole Life Insurance

Whole life insurance stays with you until your death. Since the policy expects to pay out at some point, the premiums are often higher than those of term insurance. Some whole life policies also have an investment aspect. You may be able to access the money that you have paid into the policy. 

Types of whole life insurance include:

  • Standard whole life
  • Universal life insurance
  • Variable life insurance

Group Life Insurance

Group life insurance can be term or whole life insurance. Most people have access to group life insurance through their employer. Types of group of life insurance available are limited to those that the group or facilitator chooses to provide. 

Life Insurance at Client First Insurance Solutions

For more information about the different life insurance types in Americus, GA, contact us at Client First Insurance Solutions. We will discuss your needs and preferences and help you select the policy that best suits your needs. 

Types of Life Insurance

Choosing a life insurance policy can be overwhelming. The two main categories of life insurance are term and whole life. However, there are several subcategories, as well. At Client First Insurance Solutions in Americus, GA, we are committed to helping our customers choose the policy that is best for them. 

Term Life Insurance

Term life insurance is issued for a specific number of years or term. If you outlive the term, you don’t receive anything from the policy. You may have the option to renew the policy once the term is over. Term insurance premiums are generally lower than whole life. One reason for this is that the odds are that you will outlive your term policy, which means the policy has to pay out less often. 

Types of term life insurance include:

  • Standard term insurance
  • Simplified issue life insurance
  • Guaranteed issue life insurance

Whole Life Insurance

Whole life insurance stays with you until your death. Since the policy expects to pay out at some point, the premiums are often higher than those of term insurance. Some whole life policies also have an investment aspect. You may be able to access the money that you have paid into the policy. 

Types of whole life insurance include:

  • Standard whole life
  • Universal life insurance
  • Variable life insurance

Group Life Insurance

Group life insurance can be term or whole life insurance. Most people have access to group life insurance through their employer. Types of group of life insurance available are limited to those that the group or facilitator chooses to provide. 

Life Insurance at Client First Insurance Solutions

For more information about the different life insurance types in Americus, GA, contact us at Client First Insurance Solutions. We will discuss your needs and preferences and help you select the policy that best suits your needs. 

Does Auto Insurance Cover Items Left In the Vehicle?

Having good auto insurance is designed to help you make sure you’re protecting your vehicle in the case of an accident, theft, or other problem. But there can be misunderstandings about what, exactly, that insurance covers. It’s imperative for you to take a good look at your policy to understand exactly what kind of protection you have for your vehicle. If you’re not sure about the coverage limits or specifics you have with your auto policy, it’s important that you ask questions so your agent can help you understand.

Many people believe that their auto policy will cover the items they leave in their car if those items or the entire vehicle happens to be stolen. If you’re in the Americus, GA area, come to us at Client First Insurance Solutions and let us work with you on the specifics of your vehicle policy. We can show you that, typically, the items you leave in your vehicle aren’t covered by your insurance policy. Whether the entire vehicle is stolen or it’s broken into, and items are taken from it, your personal property will not be protected by the policy that covers your car.

Reach out to us today at Client First Insurance Solutions, and we can help you find an auto insurance policy that will work for your needs. Our customers in the Americus, GA area get the support and guidance they need to choose quality vehicle insurance right for their plans and goals. Having good insurance and making sure you don’t leave anything valuable in your vehicle are important ways to protect what’s yours and keep your belongings from coming to any harm. Then you can enjoy your time on the road and feel confident when you leave your vehicle unattended, as well.

How would commercial insurance protect my business?

Owning a business in the Americus, GA area can be a great way for someone to spend their career. If you are interested in starting your own small business, you will need to make a lot of important decisions. One important choice that will need to be made will come when choosing an insurance policy. This is an important decision as a full commercial insurance policy could protect your business in many different ways. 

Insurance Will Offer Liability Coverage

A commercial insurance policy is a good investment because it will provide your business with liability protection. A business owner will have a lot of liability risks that they need to take very seriously. If you do own a business, you will want to ensure that you are covered against this risk. If you do have a full commercial insurance policy, it will ensure that you can be protected if you are sued for liability.

Insurance Provides Coverage for Business Assets

A commercial insurance policy is a great form of coverage because it can also provide you with protection for business assets. Any business owner will have to invest a lot in assets needed to grow and run their business. If you are a victim of theft or a fire, you could lose these assets and have to come out of pocket to replace them. Fortunately, if you get a commercial insurance policy, you can get the coverage you need to replace these assets.

Getting a commercial insurance policy for a business in the Americus, GA area is always a good idea. If you do need insurance, you should call Client First Insurance Solutions. The team at Client First Insurance Solutions could offer you great support and protection to ensure you choose the right policy. 

Why Owning a Pool Affects Home Insurance

In lieu of expensive vacations these days, many Americus, GA residents opt to keep things closer to home and add a pool to their backyards. However, this could have a pretty significant impact on your homeowner’s insurance. Here’s what you need to know about how owning a pool affects your home insurance coverage.

Increased Liability Risk

In most cases, a home swimming pool is referred to in the industry as a pleasant nuisance. What that means is that it is highly attractive to trouble, such as small children who might be unattended or neighborhood animals. In turn, that raises the chances of a serious incident from happening.

A simple $100,000 of liability coverage on your home might not be enough if you own a pool. Accidents can happen at any time, so it is always a good idea to talk to your Client First Insurance Solutions insurance agent and determine how much more coverage you need on your policy to help protect your financial wellbeing.

Possible Damage to Equipment

Pools are expensive to maintain, and pumps, hoses, and other items certainly aren’t cheap. To ensure your homeowner’s policy covers these items after a catastrophic event, you’re going to want to make sure you’ve discussed the process with your insurance agent.

Further, some carriers consider pools (especially in-ground ones) as a separate structure of your home. If you never mention your new addition to your home to your agent, there’s a good chance it would not be covered in the event of a serious claim.

Beware of Local Municipality Guidelines

Where you live often matters when it comes to swimming pools and homeowner’s insurance. If you’re required to have a fence for your in-ground or above ground pool, you’ll likely be required to have one to meet underwriting guidelines, too.

Ready to discuss your Americus, GA homeowner’s insurance policy? Please contact our Client First Insurance Solutions team today to schedule an appointment.

Umbrella Insurance Gives You Additional Protection

When you already have insurance policies, but you want an extra layer to help protect your assets and property, you may want to consider umbrella insurance. That adds more protection to the things you value and can make it easier for you to enjoy life instead of worrying about whether you’re protected. If you’re in the Americus, GA area, Client First Insurance Solutions can help you find a policy that works for you and meets the needs you have. Whether you already have a policy that needs updating or you’re looking for a brand new policy to add more protection to your life, we’re here to help you get the right coverage for your lifestyle.

You can think of an umbrella policy in the same way you think of an actual umbrella. You may have a coat and hat to keep the rain off of you, but the umbrella adds another layer of coverage to help you stay dry. The same kind of principle applies to policies that offer umbrella coverage. You already have protection for things like your home, auto, and business, but there are coverage limits on those policies. When you add umbrella coverage, it extends beyond those limits to help ensure the fullest level of protection against any claims that might be made. Then you can truly have peace of mind from the insurance you have.

For those who live and work in or near Americus, GA, getting adequate coverage means coming to see us at Client First Insurance Solutions. We can find the umbrella insurance policy you need and help you cover all the things that matter most to you. Don’t settle for a lower level of protection that might not be enough. When you have options, you can feel good about your insurance. We know adequate insurance is vital to you, and we’re here to help.

What Does Flood Insurance Cover?

Floods are considered natural disasters. When these natural disasters occur, they often wipe out land and property and sometimes cause death as well. However, flooding is usually not covered under most homeowners and condo insurance policies. It is usually something that must be purchased separately. 

What Is Flood Insurance?

Flood insurance is specific property insurance designed to cover property that has been damaged or affected by flooding. It also covers your belongings inside a dwelling that has sustained water damage. This insurance is designed to protect both residential homes and property, as well as commercial homes and property. Not all home and business owners are required to carry this type of insurance. Typically, owners with federally regulated lenders/mortgages on properties located in high-risk flood zones are required to carry this type of insurance. However, many home and business owners elect to carry this insurance anyway. FEMA regulates the National Flood Insurance Program or NFIP. Client First Insurance Solutions of Americus, GA is dedicated to helping both home and business owners understand flood insurance and its benefits.

What Does Flood Insurance Cover?

Like homeowners insurance, flood insurance is designed to protect the structure of your home in addition to your personal belongings. However, this type of insurance is specifically designed to protect your belongings when they have sustained water damage from flooding. A flood is defined as a large amount of water on property or land that would otherwise be dry under normal circumstances. A flood is considered a disaster if two or more properties or acres have sustained damage as a result of the excess water. Flood insurance is designed to repair and or compensate you for your damaged home, business, and belongings. However, there are scenarios in which water damage may occur that aren’t covered by flood insurance. Flooding can cause land movement and other situations that aren’t covered by flood insurance. Also, moisture, mildew, and mold aren’t conditions covered under flood insurance. These conditions aren’t necessarily directly attributable to flooding.

We look forward to answering any questions you may have about flood insurance. Please give us a call. We’re here to help.

Are Group Plans Just as Good as Individual Healthcare Plans?

Health insurance is a necessity many of us can’t do without. Group healthcare plans that are offered by employers and organizations do have their advantages, but they are not available to everyone. If you don’t have this option and have to purchase an individual policy, you can discuss your choices with the agents of Client First Insurance Solutions. The agency serves individuals and families who live in or near the Americus, GA area.

Similarities and Differences

A group healthcare plan often has lower premiums because a large number of people pay into the policy. The more people who are included, the more cost-effective the premiums will be. Group healthcare plans are written in much the same way as an individual healthcare plan. Both include options for different deductible ranges and co-pays. No matter what type of insurance you have, group and individual healthcare plans have many more similarities than differences.

Effective and Reliable Healthcare Coverage

Both group and individual healthcare plans offer effective and reliable coverage. In most cases, updates to coverage plans have been made that now include treatment for pre-existing conditions. Every insurance company offers different benefits with its policies, and some are more complete than others. This is why you need to talk to your agent so that he or she can help you make the best possible policy for your needs.

In Americus, GA, the agents at Client First Insurance Solutions are available to help you go over all of your insurance options. Once they know your needs, they can provide you with several different policies to choose from. Schedule a consultation with one of the agents today to get the best health insurance coverage for you and your family.

How Life Insurance Works

 Life insurance is something that often seems more complicated than it is. This simple guide from your friends here at Client First Insurance Solutions in Americus, GA should help clear the confusion.

Applying For Life Insurance

An application for life insurance will always include answering questions about your health, your family’s health, your lifestyle, and your personal information. There will also be an interview and typically a medical exam. All of this is necessary for approval and to determine what options and rates are available to you.

You will also need to make decisions about which type of life insurance coverage you want as well as specifying your beneficiaries, those who receive insurance funds upon your death. Have a minimum of a primary and a secondary beneficiary in mind in case the primary cannot be contacted or even passes before you.

Types of Insurance

There are two basic types of life insurance- term life and whole life- and the one you should choose will depend on your goal. Term life only covers the insured for a specific amount of time. If you simply want to be sure your spouse can pay off the mortgage or get the kids off to college in the case of your premature death, you should consider a term life policy.

The length of time you choose should be enough to cover the period you are concerned with. For instance, if you have ten years left on your mortgage, you might consider a 10-year term policy.

Whole life is designed to cover the insured for their entire life as long as the policy is being or has been paid. If you want to be sure your loved ones are cared for, no matter when you pass, a whole life policy might be the better answer.

What Happens Upon Death?

Upon death, the beneficiary or beneficiaries can file a claim to receive the death benefits. Your insurance agent will approve or reject the claim according to whether the deceased’s policy covers the cause of death, or the agent will request more information. If the claim is approved, the insurance agent will arrange the payout of the death benefits.

No one wants to face their passing, but it is vital to do so to take care of loved ones. If you have any questions or would like a no-obligation quote, give Client First Insurance Solutions of Americus, GA a call today! 

How much auto insurance do I need in Georgia?

If you own a car in Americus, GA, the chances are that you know the ins and outs of auto insurance. However, besides the legal requirement limits, have you ever thought about how much coverage is adequate for you? It’s a tricky question, but not for insurance experts at Client First Insurance Solutions. 

How much is enough? 

While there is no straightforward answer to this question, the best way to find out is by conducting a little research ahead of your coverage. Make sure you are up to date with the latest local rules, parameters, and regulations of the industry. If you choose to seek advice from a single agent, you are likely to buy more coverage than you need and probably at a higher rate. 

Why do you need insurance

The best way to determine how much insurance is adequate for you is by identifying significant factors that affect your premiums. Car insurance is designed to protect you, your loved ones who will share the car with you, and other road users. You need to think about factors that may lead to your insurance premiums going up and deductibles available at your disposal. 

What to consider

While insurance companies use different criteria to determine how much insurance you should pay, knowing what they will check will help you stay ahead of them. You will also be in a better position to calculate your rates and match them with your insurance company. Some of the factors that can affect your auto insurance include:

  • Type of car
  • Engine size
  • Year of the car
  • Your age
  • Health conditions
  • Area of residence 
  • Use of the car
  • The number of people that use the vehicle 
  • If you have teenage children who can drive. 

Knowing how much insurance is enough for you can help you save a significant amount of money. Client First Insurance Solutions can help you get value for your money. Feel free to speak or visit us in Americus, GA.