September is Life Insurance Awareness Month. In honor of it, we thought we would examine why it’s important to have life insurance. Regardless of who you are or where you are in life, life insurance is an important component of planning for your future. It not only helps you to grow your wealth but also to protect it and the people whom you cherish.
If you are a business owner, you may be contemplating whether you need to purchase a commercial auto insurance policy. Perhaps you hired a new employee who will be making deliveries for your company. Maybe you bought a new vehicle for the business. No matter why you’re considering a commercial auto policy, you need to be able to understand why it could be a better choice than a personal policy.
The recent slew of severe weather has most of us thinking about one thing: our homes. We’re contemplating what we would do if something were to happen to our homes. We’re wondering what our homeowners insurance would cover.
Posted in Homeowner Insurance
Tagged actual cash value, El Paso, extended replacement cost, Flor & Associates Insurance Agency, guaranteed replacement cost, HOA, HOB, homeowners insurance, insurance coverage, replacement cost, Texas
Insurance is sold by two types of agents: captive and independent. Captive agents are tied to a sole company. For example, a State Farm agent can only sell State Farm products. Independent agents, in contrast, represent multiple companies and can provide a variety of products.
Nobody goes to work thinking, “I’m going to get hurt today. I’m going to fall off a ladder, slip on a recently mopped floor, or injure my hand while transporting files from the car to the office.” Nobody thinks that, but workplace accidents happen all the time. An employee’s hand gets cut on a piece of glass, and it needs stitches. Another employee trips over a box at the loading dock and breaks his or her foot.
Tax season. Love it or hate it, but it’s that time of year. You’re gathering wage statements, receipts, and whatever other items you need in order to file your taxes with the IRS.
Posted in Taxes
Tagged April 15, budget, finances, financial strategies, investing, investment, IRS, savings, tax refund, tax season, taxes
Many of us have heard of or read the book, The Five Love Languages. We know those languages: words of affirmation, quality time, gifts, acts of service, and physical touch. While those languages are necessary, most of them will only leave a fond memory. They won’t provide for our loved ones when we’re gone. In order to care for our loved ones, we have to learn a new love language, the language of life insurance.