Tag: questions

Ask These Life Insurance Questions Before You Buy!

Posted on by butlervetinsurance

These life insurance questions are important to ask before you pick your policy.

Life insurance is important. Just as important as buying a policy is making sure you choose the right one. How, exactly, do you do that? By asking the right questions. Pose these life insurance questions to your agent before you buy a policy to make sure you’re choosing the right one for your family.

What type of policy makes the most sense for me?

Your life insurance agent will be able to show you how term or whole life insurance policies work, and which one is likely the best fit. A term policy is great if you just want to cover a certain season of life (e.g. until your mortgage is paid off or your kids graduate college) as they’re more affordable and expire after the term is up. A whole policy is best if you want your policy to build cash value and last your lifetime.

What else can I get out of my policy?

The majority of life insurance policies allow you to add riders, which can help you do things like pay your policy premiums if you become disabled or receive a lump sum payment if you become terminally ill.

Am I buying enough?

All too many people expect that Social Security will cover their income replacement for their families if they pass away. Actually, though, Social Security is only paid out if your surviving spouse is over 60 or your kids are under 18. If that’s not you, turn to life insurance to protect your family from financial hardship.

Now that you know to ask the right life insurance questions, it’s important that you ask them of someone who can give you the right answers. For that kind of knowledge and service, contact Stromsoe Insurance Agency. We’re dedicated to helping families across California get the life insurance policies they deserve!

Your Teen Drivers Need Car Insurance (Even If They Don’t Have A Car)

Posted on by butlervetinsurance

How to get your teen drivers the car insurance they need.

In theory, your teen becoming a licensed driver takes a lot off your plate. You don’t have to drive to school in the mornings, you’re not responsible for shuttling your teen and his or her friends to after-school activities, and you free yourself from playing weekend chauffeur.

Unfortunately, though, when your teen starts being able to drive you do have or thing or two you need to worry about. For starters, you need to focus on making sure your family’s newest driver is safe behind the wheel.

Secondly, you need to consider your insurance coverage. That’s right, even if your teen doesn’t have his or her own car you still need to insure him or her. In the state of California, all drivers on the road are required to have liability insurance. That means that if you let your teen drive without having coverage for him or her, you’re letting your teen break the law.

Fortunately, insuring your new driver is easy! Just give your insurance agent a call, and he or she will be able to add your teen as an operator on your family’s existing coverage.

Let us forewarn you: when you add a teen, your rates will go up because teen drivers are statistically some of the riskiest people on the road. The good news is you can combat this by limiting how much your teen drives, getting a good student discount if he or she gets As and Bs, and waiting to buy him or her a car.

If you have questions about the California car insurance your growing number of drivers requires, don’t wait to contact Stromsoe Insurance Agency. We know that you already have enough to worry about with your new teen driver, and are here to making getting him or her covered easy! Protect your family, your vehicles, and your liability by calling us today.