Personal & Life Insurance

We also offer Commercial Insurance.

 

For your Personal Insurance needs:
Employer Sponsored Benefits:

Life Insurance

Want to buy your Child or Grandchild a great gift for less than 5 cents a day? College expenses can be a concern and a burden. Have you ever thought about Life Insurance with a “Cash Value”? Something you can use in the future to help offset the every day expenses while your student is in college.

We have many clients (especially grandparents) who purchase a life insurance policy for their infant/toddler grand- children as a gift just for this purpose. The policy can be paid up in 20 years and you’ve given them a second gift, paid up life insurance to help them as a young adult just starting out.

Did you know you could purchase life insurance and receive a discount on your auto premium? The discount makes this important coverage more affordable and will help protect your financial future. No one plans a death in their family and even the most prepared people still find they are at a financial loss.

A recent example within our agency: an aunt died and the cost for a simple viewing, small service inside the chapel at the funeral home followed by cremation cost $7,128. Had the family elected to have a viewing, full service with a graveside internment and burial, the cost would double.

Are you prepared for that expense? Contact Us to discuss our Life Products for you and your family.

Flood Insurance

Many of us associate flood as a result of a body of water over flowing. Flood is actually defined by the National Flood Insurance Program as a general and temporary condition and can be caused by a hurricane, nor eastern, outdated or clogged drainage systems or a rapid accumulation of rainfall.

Damage to your home as a result of one of these is NOT covered by your homeowners insurance. Majority of the homes in Hampton Roads are not even in a flood zone yet suffer the most damage as a result of fast rising waters on neighborhood streets.

Anywhere it rains, it can flood. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow, and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Contact us today for a quote and ask our agent to send you more valuable information regarding flood insurance. This is the season of storms. There is a 30 day waiting period so do not delay. Every day counts.

 

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