FAQ2024-07-30T12:21:47+00:00

Frequently Asked Questions

Have questions? We have answers.

Have a question that isn’t listed here? Reach out and we will be happy to answer.

How can I contact your agency for more information?2024-07-30T12:15:44+00:00

You can reach our agency via phone or email, where we are ready to assist you with any questions or concerns.

What should I do if I need to cancel my policy?2024-07-30T12:14:34+00:00

If you need to cancel your policy, contact our agency for guidance on the process and any potential implications on coverage or refunds.

Can I change my coverage mid-policy?2024-07-30T12:20:16+00:00

Yes, you can usually adjust your coverage mid-policy. However, this may affect your premium. Please contact us to discuss your needs and options.

What is Medicare, and who is eligible?2024-07-30T12:12:39+00:00

Medicare is a federal health insurance program primarily for individuals aged 65 and older, but younger individuals with certain disabilities or conditions may also qualify. We can explain the different parts of Medicare and additional options available. Contact us today!

What is the difference between term life and whole life insurance?2024-07-30T12:12:11+00:00

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays out a benefit if you pass away during that term. Whole life insurance offers lifelong coverage and includes an investment component that builds cash value.

How often should I review my insurance policies?2024-07-30T12:11:53+00:00

We recommend reviewing your insurance policies at least once a year or after major life changes, such as marriage, or having children, to ensure your coverage remains adequate.

Are there any exclusions in my policy that I should be aware of?2024-07-30T12:11:09+00:00

Yes, each insurance policy may have specific exclusions or limitations. We will provide you with a detailed explanation of your policy’s terms and conditions.

How can I update my policy information?2024-07-30T12:10:36+00:00

You can update your policy information by contacting our agency directly or accessing your account online if your provider offers a portal.

How do I file a claim?2024-07-30T12:10:07+00:00

To file a claim, contact our agency or your insurance provider directly. We provide guidance on the steps to take and the information needed to successfully file your claim.

What is a deductible, and how does it work?2024-07-30T12:09:38+00:00

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your premium but may result in higher costs when you need to file a claim.

What factors affect my insurance premium?2024-07-30T12:08:52+00:00

Your premium can be influenced by various factors, including your age, health, location, claims history, type and amount of coverage, and the deductible you choose.

How do I determine what type of insurance I need?2024-07-30T12:08:22+00:00

To determine your insurance needs, consider your personal circumstances, financial goals, and obligations. We can help you assess your needs and recommend suitable coverage. Contact us today.

What types of insurance do you offer?2024-07-30T12:07:35+00:00

We offer a variety of insurance products, including health, life, auto, home, renters, commercial, and Medicare insurance.

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