Tag Archives: services
Married Couples Need Life Insurance
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It’s easy for many married couples to get swept up in the hustle and bustle of daily life, not giving much thought to preparing for the unexpected. Purchasing life insurance can be one of the most critical decisions you can make as a couple to ensure your spouse is able to carry on financially in the event of your death.
Purchasing the policy is not a big expense, but the impact of having life insurance when you pass away is huge. By purchasing a life insurance policy you can ensure that those close to you will be able to live comfortably after you’re gone.
“When you’re single and without children, there is little need for life insurance since nobody is depending on your income but you,” says Jeremy Vohwinkle, About.com Guide for Financial Planning. “When you get married, you should discuss what would happen if your spouse was left to support your household alone, and consider whether or not life insurance would be appropriate. A sudden loss of income can be devastating to a family.”
Life insurance provides money to whoever you designate as a beneficiary upon your death. This money can prove to be a much-needed asset if your loved ones are faced with the burdens of debt, funeral costs, estate taxes or college tuition.
Don’t leave your spouse unprotected in the event of your death. Ask your insurance agent about life insurance today.
About MAX: MAX specializes in providing affordable life insurance from the top-rated insurance companies in the country. Let us do the shopping for you. Our simple process will help you get the life insurance protection that’s just right for you. We also offer home, farm, auto, renters, and other personal lines to help protect the members of the faith-based community. Our friendly, experienced agents can help answer all your questions about insurance. Visit www.faithbasedinsurance.com/contact-us, email wholeness@faithbasedinsurance.com or call us toll-free at (877) 736-5681.
Source: Vohwinkle, Jeremy. “Marriage and Money – Planning Your New Financial Life Together.” About.com. Retrieved February 20, 2012, from http://financialplan.about.com/od/gettingmarried/a/MarriageMoney.htm.
Indulging in Dark Chocolate Offers Health Benefits
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Leftover Valentine’s Day chocolates hanging around the house? Go ahead and indulge! That is, with only dark chocolate and in moderation, of course.
Studies in two prestigious scientific journals cite dark chocolate for its health benefits. Dr. Dirk Taubert and his colleagues at the University of Cologne in Germany say dark chocolate lowers high blood pressure if you’ve reached a certain age and have mild blood pressure. In addition, dark chocolate can be a potent antioxidant, according to Mauro Serafini, Ph.D., of Italy’s National Institute for Food and Nutrition Research in Rome.
But don’t expect the same results from milk chocolate, white chocolate or even dark chocolate eaten with milk. Milk can interfere with the absorption of antioxidants from the chocolate, negating the potential health benefits from eating moderate amounts of dark chocolate, Serafini says.
If you do indulge in dark chocolate, don’t forget to balance the calories. A 100-gram serving of Hershey’s Special Dark Chocolate Bar has 531 calories, according to the U.S. Department of Agriculture. Don’t substitute chocolate for healthy foods. After all, most of our diets already contain plenty of sweets.
About MAX: MAX specializes in providing affordable personal and business insurance, including home, farm, auto, renters, and other lines to help protect the members of the faith-based community. Our friendly, experienced agents can help answer all your questions about insurance. Visit www.faithbasedinsurance.com/contact-us, email wholeness@faithbasedinsurance.com or call us toll-free at (877) 736-5681.
Source: DeNoon, Daniel J. “Dark Chocolate Is Healthy Chocolate.” WebMD.com. Retrieved February 20, 2012, from http://www.webmd.com/diet/news/20030827/dark-chocolate-is-healthy-chocolate.
Don’t Forget to Insure Your Jewelry
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If you recently gave your sweetheart jewelry, you may feel like you’ve just successfully conquered another romantic holiday. But there’s one thing you may have forgotten — insurance.
If something were to happen to this expensive gift, would you be covered under your current homeowner’s or renter’s insurance policy? You’ll want to examine your policy carefully to see what type of coverage it offers for fine jewelry. It’s likely that your policy probably covers theft, but not loss from other reasons like lost or damaged jewelry.
“Usually, renter’s and homeowner’s insurance policies set limits for the loss of certain categories of personal property, including jewelry,” says Carly Wickell, About.com Guide on Jewelry Insurance. “Homeowner’s policies typically pay a maximum of $1,000 for jewelry theft. A renter’s insurance policy might have a lower limit for jewelry loss — $500 is common.”
If you have questions, call your agent and ask him or her to specify what types of losses are covered on your standard policy. Your agent can help you determine if it’s necessary to purchase additional insurance for your jewelry.
Wickell suggests asking your agent about the following topics:
- Is there a deductible? How much? Does raising or lowering the deductible change the cost of your policy?
- Do you need to obtain an appraisal on your jewelry prior to getting more insurance? Are there certain appraisers you must use?
- Are your jewelry items covered no matter where the loss takes place? For instance, would your policy cover a loss during domestic or international travel?
- Is the jewelry covered for full replacement cost? Do you have to replace the item or can you get a cash settlement?
- Does the policy cover repairs to damaged jewelry?
Knowing how your jewelry is protected in the event of a loss can help give you and your sweetheart peace of mind.
About MAX: Protect your investments in fine jewelry. Now is a great time to review your homeowners insurance and look into additional coverage if needed. We also offer farm, auto, renters, and other personal lines to help protect the members of the faith-based community. Our friendly, experienced agents can help answer all your questions about insurance. Visit www.faithbasedinsurance.com/contact-us, email wholeness@faithbasedinsurance.com or call us toll-free at (877) 736-5681.
Source: Wickell, Carly. “Jewelry Insurance: Insuring Engagement Rings and Other Fine Jewelry.” About.com. Retrieved February 20, 2012, from http://jewelry.about.com/cs/jewelryinsurance/a/insure_jewelry.htm.
