Common Insurance Questions

Life insurance provides financial protection for your family after your death. It helps cover mortgages, education expenses, and living costs, ensuring your loved ones are financially secure.

Term life insurance covers you for a specific period (10-30 years) and is more affordable. Whole life insurance lasts your entire lifetime and includes a cash value component, making it more expensive but offering lifetime coverage.

Most experts recommend coverage that's 8-10 times your annual income. However, consider your debts, family needs, and future expenses. Our advisors can help you determine the right amount for your situation.

Yes, most policies allow adjustments. You can request a coverage review annually or when major life events occur. Contact us to discuss modification options.

We offer liability, collision, comprehensive, uninsured motorist, and medical payments coverage. Each protects you in different scenarios. We'll help you find the right combination for your needs.

Rates depend on driving record, age, vehicle type, location, coverage levels, and annual mileage. Discounts are available for safe driving, bundling, and good credit. Ask our agents about ways to lower your premiums.

Ensure safety, call police if needed, exchange information with other drivers, take photos, and document the scene. Then contact us immediately to report the accident. Don't admit fault at the scene.

Yes! We offer discounts for safe driving records, bundling multiple policies, paying in full, completing defensive driving courses, and good student grades. Contact us to see which discounts you qualify for.