Life Insurance for Charitable Giving

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Life insurance can serve as a powerful tool for charitable giving, allowing individuals to make a lasting impact on causes they care about in the Americus, GA area. Understanding these strategies empowers individuals to support charitable organizations and leave a meaningful legacy.

Directing Benefits to Charitable Organizations

One way to use life insurance for charitable giving is by naming charitable organizations as beneficiaries of a life insurance policy. By doing so, the policy’s death benefit is directed to the designated charities upon the policyholder’s passing. This allows individuals to support charitable causes they are passionate about, ensuring their contribution extends beyond their lifetime.

Leaving a Charitable Legacy

Naming charities as beneficiaries offers several benefits. It allows individuals to leave a charitable legacy, ensuring their values and philanthropic efforts continue. This strategy provides flexibility, as individuals can change the beneficiaries over time to align with their evolving charitable interests.

Balancing Philanthropy and Personal Needs

Another approach is establishing a Charitable Remainder Trust (CRT). A CRT enables individuals to donate assets, such as a life insurance policy, to a trust while retaining an income stream. The remaining trust assets are distributed to designated charitable organizations upon the individual’s passing.

Maximizing Benefits and Tax Advantages

Charitable remainder trusts offer several advantages. They provide individuals with a stream of income during their lifetime, allowing them to support both philanthropic endeavors and personal financial needs. Establishing a CRT may offer tax benefits, such as an immediate income tax deduction and avoiding capital gains taxes on contributed assets.

How Client First Insurance Solutions Can Help You

At Client First Insurance Solutions, we can answer all your questions concerning life insurance coverage and how you can leave your legacy to a charitable organization. We assist the Americus, GA region. Contact us today. 

The Road to Recovery: How Comprehensive Auto Insurance Can Help Repair Your Vehicle in Georgia

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Many Georgians aren’t aware that their comprehensive auto insurance policy covers them for more than just basic insurance coverage. 

Comprehensive auto insurance helps you pick up the pieces when the unexpected happens to your auto, and the experts at Client First Insurance Solutions in Americus, GA can help!

Comprehensive Insurance Coverages

The following are examples of coverage offered in comprehensive auto insurance policies. 

Repairing Damage to Your Vehicle 

Collision insurance only covers damage to your auto if you’ve been in an accident with another driver. Comprehensive insurance runs the gamut and covers your car even in unexpected circumstances. 

Your collision policy can help protect you from financial loss in a non-accident-related event, such as damage from hailstorms or a tree branch falling on your car. 

Rental Car Coverage

One of the best features of comprehensive insurance policies is their rental insurance or rental car reimbursement features. These auto insurance add-ons help cover the costs of a rental car when your vehicle is temporarily out of commission. 

Rental car insurance add-ons mean not waiting for a ride to take care of errands or missing appointments when your car is down for repairs or if you’re in between vehicles after total damage. 

Replacing a Stolen Vehicle

The last thing Georgia car owners want to do is absorb the costs of replacing a stolen vehicle out of their own pockets. Comprehensive policies can include vehicle replacement provisions that help you get a new or used replacement if your car gets stolen. 

Insurance Advice from the Experts

Talk to the experienced insurance agents at Client First Insurance Solutions in Americus, GA, when you have questions about comprehensive insurance. Knowledgeable agents can answer your important questions. 

Contact an Agent Today! 

How workers compensation insurance can help your business

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Workers’ compensation insurance from Client First Insurance Solutions is integral to protecting your business from the risks associated with employee injury or illness. With this type of insurance, companies in the Americus, GA area can cover medical costs and lost wages for their employees if they are injured or become ill while on the job. It also helps to protect employers from legal action that may arise from these accidents or illnesses.

Having worker’s compensation insurance in place will protect your business against a wide range of potential financial losses. Employees injured on the job can be provided with medical care and receive appropriate compensation for time missed due to their injuries. This helps to ensure that your staff can focus on making a quick recovery so they can get back to work as soon as possible. It also prevents any legal claims that may arise should an employee decide to sue you over their injuries.

The cost of workers’ compensation insurance varies depending on your location and other factors, but it’s often required by law, even in states where it isn’t mandatory. On top of that, many businesses that offer this type of coverage find that it makes them more attractive when bidding for contracts or hiring new employees due to the improved safety standards they uphold. 

Overall, having workers’ compensation insurance in place can help provide financial security should an accident happen at work and demonstrate to potential customers and employees that you take safety seriously when running your business.

For more information, call us at Client First Insurance Solutions today. We are proud to serve the Americus, GA area.

Five Things You Should Know About Home Insurance

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When you buy a house, there are many things to consider: where you want to live, the risks associated with the location, who you are getting a loan from, and home insurance. Here are five things you need to know about home insurance.

Not everything is included in home insurance.

When you think about home insurance, you might think that just about everything can be taken care of with home insurance. Unfortunately, that is not the case. There are things that home insurance won’t cover, also known as exclusions.

Some of the most common exclusions include:

  • Mold
  • Pest damage
  • Flooding
  • Earthquakes
  • Regular wear and tear

What home insurance includes

Although there are exclusions, there are a lot of things that home insurance does cover. Some of the things home insurance covers include:

  • Other structures
  • Dwelling coverage
  • Additional living expenses
  • Personal property coverage
  • Liability coverage

There are add-ons available

If you live in a place that has a high risk of flooding or other natural disasters, you might be required to have additional insurance added to your policy. The most common add-ons available are flood insurance, earthquake insurance, and natural disaster insurance.

It would be best if you had home insurance.

Even if home insurance isn’t required in your state, your lender most likely will require you to have home insurance if you are getting a mortgage for your home. Even if that is not the case, houses are expensive, so getting your home insured for extra financial protection is a good idea.

Do your research

Not all insurance policies are created the same. Some insurance companies are more expensive than others. It is essential to do your research to find the best rates and coverage options for your needs.

Contact Client First Insurance Solutions

Contact us at Client First Insurance Solutions in Americus, GA for information about our home insurance policies.

Three factors to consider when you choose an umbrella insurance policy

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Buying umbrella insurance coverage is a good idea if you want complete financial protection. If you’re looking for umbrella insurance in Americus, GA, we can come to your assistance at Client First Insurance Solutions. 

The following are three important factors to consider when you choose an umbrella insurance policy:

The amount of umbrella coverage to buy

You’ll need to choose how much umbrella insurance coverage you want. If you want to protect your total assets, you should purchase enough coverage to equal the full value of your net worth.

Calculating the total value of your assets is an important step in buying umbrella insurance. You should evaluate your net worth so that you can make sure you’re completely covered. 

The insurance provider you purchase a policy from

There are numerous insurance providers offering umbrella insurance policies. You should do your research on providers offering this type of insurance in your area so that you can choose a good policy.

Get quotes from different companies. In addition to researching quote amounts, you should also consider the reputation different insurance providers have regarding customer service. 

The policy maximums on your home and auto insurance

You will need to have at least some minimum amount of auto and home insurance to qualify for umbrella insurance. Check the policy maximums of your home, auto, and other insurance policies. You might need to update them if you want to use them in combination with your umbrella insurance policy. 

Ready to find the right umbrella insurance?

Client First Insurance Solutions offers umbrella insurance to consumers in Americus, GA. Get in touch with us today for a quote on a policy. 

Client First Insurance Solutions Celebrates 20 Years of Delivering Exceptional Service to Clients

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Americus, Georgia – Client First Insurance Solutions is pleased to announce its twentieth anniversary in the insurance industry. Since its establishment in 2003, Client First Insurance Solutions has been dedicated to delivering top-notch insurance services that prioritize clients’ needs.

Over the past two decades, Client First Insurance Solutions has grown into a leading insurance agency, serving clients across Georgia with clients on the East Coast from New York to Florida. The company has established a reputation for its commitment to excellence, customer satisfaction, and innovative insurance solutions. In 2020, Client First Insurance restructured to become an employee-owned insurance agency with every employee an owner or on the path to ownership.

“It has been amazing to watch and be a part of the growth Client First has experienced — especially in the last two years. I’m thankful for the quality of customer care that’s a part of this business’ 20-year history, and I’m also thankful for the opportunity to help cultivate it every day,” said Tamma Phillips, one of the partners of Client First Insurance Solutions.

“Reaching our twentieth anniversary is a significant milestone for our team, and we’re proud of the progress we’ve made over the years,” said Kirk Lyman-Barner, the Founder and President of Client First Insurance Solutions. “Our success is a testament to our hard work, dedication, and, most importantly, our commitment to putting our clients’ needs first.”

As Client First Insurance Solutions marks this significant milestone, the company looks forward to continuing to serve its clients with the same level of passion, commitment, and expertise that has defined its operations for the past two decades.

Jody Wade joined CFIS in February 2021, bringing long-standing community ties and a dedication to expanding the agency’s commercial property and casualty book of business. “I have enjoyed the opportunity to not only grow our presence in this market, but also to help start-up businesses find the coverage they need at a value that fits their business plan.”

About Client First Insurance Solutions

Client First Insurance Solutions is a leading insurance agency located in Americus, Georgia. The company specializes in providing a wide range of insurance solutions, including auto, home, business, life and health insurance, with access to hundreds of carriers. The agency’s commitment to providing exceptional service to clients has made it a preferred insurance provider for many individuals and businesses in Georgia.

Client First is a member of the Professional Insurance Agency – Southern Alliance, the Iroquois Group Network of Independent Insurance Agencies and a partner of the United States Worker Cooperatives. The agency is an Elite Plus Circle of Champions member as awarded by Healthcare.gov and Kirk is frequently interviewed by The Atlanta Journal-Constitution about issues related to health insurance.

How much flood insurance do I need?

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Floods are one of the most common and costly disasters in the United States, and having proper flood insurance is essential for protecting your home and valuables. Whether you live in an area that’s been prone to flooding or not, it’s important to make sure you have the right amount of coverage. The first step is to determine how much flood insurance you need. At Client First Insurance Solutions, we help Americus, GA area families find the right policy for them.

How much flood insurance do I need?

Your lender may require you to purchase a certain amount of coverage if your home is located in a high-risk flood zone, but even if it’s not, it’s still a good idea to get some coverage. The National Flood Insurance Program recommends that homeowners get at least $250,000 worth of property coverage and $100,000 worth of contents coverage. This should cover the cost of repairing or replacing your house and its contents if they are damaged by a flood. 

If you own additional properties such as vacation homes or rental properties, consider getting enough coverage for them as well. With some policies, an additional 1% – 5% increase in premium can double the amount of coverage on a separate structure such as a detached garage or shed. It’s also important to note that standard homeowner’s insurance does not typically cover damage from floods, so be sure to purchase separate flood insurance if necessary. 

Give Us A Call

Before purchasing any type of insurance policy for yourself or your property, make sure to do your research and understand exactly what is covered and what isn’t. And when it comes to flood insurance, be sure to get the right amount for your needs – it could end up saving you time, money, and hassle down the line!  For more information, call us at Client First Insurance Solutions today. We proudly serve the Americus, GA area.

Health Insurance for Cancer Patients

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If you have been diagnosed with cancer, you may be wondering if you can still obtain health insurance. The answer is yes; there are plenty of options available to cancer survivors in Americus, GA. Client First Insurance Solutions explores the different ways that you can obtain health insurance coverage if you have had cancer. 

Obtaining Health Insurance After a Cancer Diagnosis 

The most important thing to consider when looking for health insurance after a cancer diagnosis is pre-existing condition clauses. With the passage of the Affordable Care Act (ACA), pre-existing conditions no longer prevent individuals from obtaining health insurance coverage through a private insurer. This means that individuals with a history of cancer can purchase private health insurance just like anyone else. 

The other option available to cancer survivors is Medicaid or Medicare. Both programs provide free or low-cost healthcare coverage to qualifying individuals who meet certain income requirements and/or have disabilities related to their illnesses.

Individuals who do not qualify for Medicaid or Medicare may be able to receive financial assistance through programs such as COBRA or HIPAA, which provide temporary coverage at reduced rates while an individual is transitioning from one job to another or between healthcare plans. 

Finally, some employers offer employee benefits packages that include access to group health insurance plans that cover pre-existing conditions. These plans may also provide additional benefits such as prescription drug coverage and annual physicals for employees and their families.

Give Us A Call

It is possible for individuals with a history of cancer to obtain health insurance in Americus, GA. Those looking for coverage should consider all their options before making a decision. Contact Client First Insurance Solutions and we can help you find the coverage you need.

New Referral Program – We’re giving away restaurant gift cards when you refer your friends to our agency.

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We are excited to invite you to our referral program!

There are perks to referring others to our agency and we don’t want you to miss out on this opportunity. As part of our new program, we are giving away local restaurant gift cards to clients who refer their friends.

Be sure your referral identifies you as the person who referred them to us.

This is our way to thank you!

To qualify, the person you referred needs to get a quote.
No purchase is required.
The quote can be from any of these product lines: business, life, health, home, and auto insurance.

Limit: one gift card per quarter.

How to Navigate Commercial Insurance for Multiple Businesses

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If you are a business owner with multiple businesses, one of the decisions you have to make is whether to purchase one commercial insurance policy or separate policies. Our team of insurance experts at Client First Insurance Solutions can help explain what you need to know about insuring multiple businesses in Americus, GA. 

Navigating Commercial Insurance

Determining Your Coverage Needs 

The first step in deciding what type of insurance coverage you should purchase is figuring out how much coverage each business needs. This means you will need to inventory all your assets and determine each business’s liabilities.

Choosing Between Single or Multiple Policies   

Once you have determined the coverage needs of each business, it’s time to choose between purchasing one single policy or multiple policies.

In some cases, purchasing one policy that covers all your businesses may be more cost-effective than separate policies for each business. On the other hand, if there are significant differences in the type and amount of coverage needed by each business, then separate policies may be a better option.

Additionally, separate policies may also be necessary if any of your businesses have unique risks requiring specialized insurance coverage. 

Give Us A Call             

Whether insuring one business or multiple businesses in Americus, GA, having sufficient commercial insurance is essential to protecting yourself from financial loss due to unexpected events such as property damage or liability claims arising from accidents or negligence on the part of employees or customers.

When navigating commercial insurance for multiple businesses, it can be helpful to work with an agent specializing in commercial insurance policies. We can help guide you through the process and ensure you get the best coverage for your needs at the lowest possible cost. Contact us at Client First Insurance Solutions today. We are here to help.