Life insurance is not about you. It is about making sure that your loved ones are taken care of when you are no longer around. Buying life insurance will be the best gift you could ever give your family. There are five reasons you should consider having life insurance.

1.  Replace Your Income

Unfortunately, death can take anyone at any time. If you have an insurance policy, you can protect your family from having to cover your debts. If paying the mortgage or utilities was your job and you die prematurely, then your family will have to cover those bills. With life insurance, they could use that money as a replacement of your income.

2.  Pay for Final Expenses

The average cost of funeral expenses can be an exorbitant amount. Caskets, by themselves, can cost between $2000 and $10,000. Keep your final expenses down by buying and maintaining life insurance.

3.  Funding for College

Sending your kid to college is the best way to give them a proper education and a great start in life. But colleges are expensive. If something happens to you, your child may drown in college debts. Having a decent policy could help with books and tuition.

4.  Pay off Estate Taxes

Estate taxes can be quite expensive and large assets may be lost if they are not paid within a certain amount of time.

5.  Prevent Selling Your Company

If your partner dies suddenly, you may be left with more debt than the company can handle. You may have to file for bankruptcy and close your business. Having life insurance could allow you to pay for your partner’s obligations so you will not have to lose your business.

Serving Parkersburg, West Virginia, the independent agents at Curtis Miller Insurance are available to discuss open or new insurance policies.

 

Boating is a great way to spend time in the beautiful Parkersburg, WV area. If you have been out on the water every summer or you just bought a boat so you can start having fun, you need to make sure you’re ready before you head out. That can mean flares, a first aid kit, bottled water, and life jackets, but it also means a good insurance policy. Your boat needs to be protected, of course, and you also want to make sure the people in that boat have protection if you are involved in an accident. With the right boating insurance, you and your passengers will have financial protection for medical bills and other issues.

Big and small boats all need insurance, and you want to be covered whether you are on the water or you have your boat on a trailer or somewhere in dry dock. Some people look for policies that offer different types of coverage for the summer months than for the winter months, since the boat is generally at higher risk when it’s in use as opposed to when it is being stored. By working with a knowledgeable agent, you can get everything you need to know about a boat insurance policy that will work for you all year round.

Getting a policy through Curtis Miller Insurance can help you enjoy your summer even more, because you won’t have to worry about financial risk. Once you know you have the right policy, you can have some great peace of mind. If you ever have questions about your policy or need to make changes, you will also know who to call to get answers or have changes made, so you will always be ready to get your boat out onto the water.