Posts Tagged: Agers Insurance Services

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Life Insurance: What Am I Paying For?

Life insurance is a valuable insurance policy – even though it may not always feel like it! Does life insurance feel like a weighty outgoing each month, rather than a good value investment? After all, unlike a house or car, you’re buying peace of mind—rather than something you can physically touch. Premiums can increase over time and seem to fluctuate more than you’d like them to. A life insurance policy is designed to maintain your family’s finances when you are no longer there to do so. From paying funeral expenses, remaining debt, and your child’s college fund, life insurance is a policy that wholly supports your family. What makes life insurance premiums rise? Put simply, as long as you pay regular premiums to a life insurance company, then the policy should guarantee to pay out a sum of money if you die within the term of the policy. In essence, the greater your risk, the ... Read more

Does My Roommate Need Renter’s Insurance?

Renter’s insurance protects your belongings and living space! From the kitchen to the living room to your favorite sweater, most roommates share everything. Roommates are often the siblings you never asked for (or got), but there’s a mutual likeness when sharing a living space with another human being day in and day out. Whether you watch reruns of The Voice together every night, or stay in your room to avoid awkward small chat, many roommates think that if one of you has renter’s insurance, the coverage extends to the entire apartment and all of the contents. This is a costly misconception. Renter’s insurance protects the property of the people listed on the policy. Unless your roommate is listed as an additional insured on your insurance policy (or is a domestic partner, spouse, or a member of your family), their things will not be covered. Here’s the lowdown on renter’s insurance for roommates: A roommate does ... Read more

Valentine’s Day Date Night Ideas for Friends & Loves Ones!

February 14th is rapidly approaching – what are you and your sweetheart doing? Valentine’s Day is the most romantic day of the year (and most hated!). Whether you’re celebrating your love with your better half, or painting the town red with your single friends, Oakley, California has you covered! Here are few ideas on how to make the most of your February 14th to get you started: Antioch Indoor Sports Center You and your sweetie may want to take up skating, or a particular sport! Who says couples have to spend all evening gazing into each other's eyes? A little friendly competition often benefits couples! Furry Friends Food Relief to Host Masquerade Ball On the 13th, a Masquerade Ball will be hosted by the Furry Friends Relief Program to raise funds for their program at the Shadow Lakes Golf Course in Brentwood. Dinner, drinks, and benefiting animals? Everyone wins! Los Charros Mexican Restaurant Maybe you want to ... Read more

What You Need to Know About Child Car Seats

All parents want to keep their children safe when in the car—a car seat is there to protect little ones. When tucking your child into their car seat, it’s imperative to ensure that they are in the right seat, facing the right way, and secure for the entire journey. There are many car seat choices on the market! With age, your child will progress from rear-facing car seat to a forward-facing car seat, to a booster seat, to only a seat belt. Here is a breakdown of the basics: Rear-Facing Car Seat Birth – 3 Years Until your child reaches the top height, or weight limit allowed by your car seat’s manufacturer, your child should remain in a rear-facing car seat in the backseat of the car. Keep your child rear-facing for as long as possible as this is the best way to keep them safe. Once your child outgrows this seat, your child is ... Read more

Confusing Insurance Terms – Translated into English!

Get to know your insurance policy by understanding the terms! Fumbled by jargon? Stumped by specifics? Perplexed by policies? You’re not alone! Trying to understand an insurance plan is like reading a technical manual in a foreign language – that’s why insurance agents must be well-trained and knowledgeable! So that you can properly understand potential policies and find the best coverage for you, here’s a breakdown of what insurance terms mean. Open enrollment: This is the period you’re allowed to sign up for next year’s insurance. Most insurance companies allow you to choose your coverage for the next year during a specific amount of time that is “open enrollment” unless you’ve changed jobs or had a qualifying life event! Premium: This is your monthly bill! Therefore, your monthly premium is what you pay for your insurance policy. Deductible: The total amount that you have to pay out-of-pocket before insurance kicks in. If you have ... Read more
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