Shopping for life insurance in Quincy IL may not be the most exciting or enjoyable activity in the world, but it's important nonetheless. After all, the right life insurance coverage can protect your loved ones down the road while providing you with added peace of mind now. As you shop, be sure to keep a few important considerations in mind.
One of the biggest mistakes you can make when obtaining quotes for life insurance is not being 100% honest on your applications. It's important that you disclose all pertinent information, such as lifestyle habits (smoking, drinking, etc.) and known medical conditions in order to receive an accurate quote for coverage. Remember that pre-existing conditions and lifestyle habits cannot keep you from buying coverage, but lying on your application can lead to denial of a pay-out down the road.
One of the biggest challenges is figuring out how much coverage you need. The key is to make sure your loved ones would have enough money to continue living a comfortable lifestyle in the event that you passed away. There are some helpful calculators available online that can help you figure out your coverage needs to get started. Some of the determining factors in your coverage may include:
There are so many different types of life insurance that knowing which type is best for you can be difficult. Some of the more common types include term and permanent coverage, though At Winters Insurance, we offer all of the following:
Now that you know what to look for when shopping for life insurance in Quincy IL, you're in a better position to find the right policy for your needs. Contact us to obtain your quote from Winters Insurance Group today!
Now that the Affordable Care Act, or Obamacare, mandates that most Americans purchase health insurance, some young and healthy people are questioning whether they need coverage at all. The fact is, even if you think you are healthy, contracting a sudden or serious illness can lead you down the path of financial ruin if you are uninsured. Plus, it’s worth the peace of mind knowing that if something happens to you, you’re covered. Choosing not to have health insurance is a major risk, and here at Winters Insurance Group , it is not something we would recommend doing.
As your trusted Quincy, IL auto insurance company, Winters Insurance Group provides a variety of different types of auto insurance to drivers all over Illinois. Every driver is required to have a minimum amount of insurance, but unfortunately, auto insurance is filled with terminology that can be confusing to people who aren’t versed in how insurance works. There are a lot of different types of auto insurance out there, and here at Winters Insurance Group, we want to help you make an informed decision about what type of insurance to buy. Here is a list of common auto insurance terms that you’re likely to come across when you’re shopping for insurance.
Here at Winters Insurance Group, your premier Quincy, IL health insurance provider, we understand that health insurance is incredibly complicated. If you’re an average family just trying to ensure that your loved ones all remain healthy, it can tough to keep track of all the terminology around health insurance. From deductibles to premiums to Medicaid, health insurance terms are almost like a foreign language. One of the things we do here at Winters Insurance Group is provide a variety of health insurance solutions to individuals, families, and companies around the Quincy, IL area, and thus, we consider ourselves to be experts when it comes to the matter. Here is a list of some of the most common health insurance-related terms that you’re likely to hear.