Do you know what an annuity is? Do you know how it can help you prepare for your retirement future? This article provides a basic overview of annuities and explains how they might be right for you. What is an annuity? An annuity may be a viable option for your retirement financial security. An annuity is a contract between you and the insurance company by which you make a lump sum payment or series of payments. In return, the insurer agrees to make periodic payments beginning immediately...

Like most businesses, pinpointing the cost of insuring a farm is difficult, as it relies on a variety of factors. Farm insurance is a broad term that can include a lot of different coverages, each with their own costs and limits. What Does Farm Insurance Cover? Farm insurance covers a range of dangers and items unique to farms. Coverage included in farm insurance are: General Liability covers accidents of bodily injury or property damage of a third party on the farm property. Farms a...

Home break-ins are all too common, especially during the daytime on weekdays when most people are away at their jobs. Home break-ins are also most frequent during the warm months of the year. However, many break-ins are preventable by increasing your home security. Use these tips to protect your property. Install a Home Alarm System There are home alarm systems that use a variety of sensor technology, such as motion detectors, contact sensors and glass-breakage detectors. Most alarm system...

When you call your car insurer, you might want as much coverage as possible. Therefore, you might ask them for comprehensive car insurance. However, be careful; comprehensive coverage means a very different thing to most insurers than it might to you. Comprehensive coverage, along with its counterpart, collision coverage, is part of a greater portion of your policy called physical damage insurance. It’s certainly important to have physical damage coverage on your policy, and here’s w...

When most people think of spring cleaning, they picture rubber gloves and soapy sponges. Hopefully you keep your workplace clean year-round, but there’s still spring cleaning to be done. Use this time each year to breathe life into tired routines and refresh old policies. Hoping for greater efficiency? Wishing to cut down on expenses? Now is the time to make the necessary changes by doing a bit of metaphorical spring cleaning. Website Set aside a few hours to surf your business’ ...