There are a lot of common myths about life insurance in Hope Hills, NC that can stand in the way of you getting proper coverage.
Employer-Provided Life Insurance Is All You Need: An employer may provide life insurance, and you may be able to purchase more worth up to six times your salary, but to provide for dependents you typically need more. You may also lose the insurance when you leave the job, and while you may convert, it’s typically more expensive than just purchasing a policy today on your own.
Only a Breadwinner Needs It: If something happens to a stay-at-home spouse, then the breadwinner will need to hire someone to care for the children and clean, which can be expensive. It’s a good idea to have insurance on both spouses. This way, the working spouse can also take some time off to help the family adjust.
You Are Too Young to Worry about It: It actually makes more sense to get life insurance when you are young, since it’s usually less expensive and you don’t have medical conditions that could disqualify you. By the time you need life insurance, it could be too late, which makes it a good idea to purchase it as soon as you are able to.
You Can’t Get It If You Have Health Issues: You can generally buy term life insurance, even with some health issues. It may mean higher premiums, but you should still be able to find insurance. Speak with an agent at Cross Creek Insurance if you have some health issues.
You Don’t Need It If You Are Single: You may still have family that relies on you, such as aging parents. Benefits can also be used to pay for burial costs, so your family doesn’t have to go into debt.
Contact an agent at Cross Creek Insurance, serving Hope Hills, NC, to get a quote on life insurance.
With so many choices at your fingertips, you may be wondering how to select your business insurance policy.
The protection of your enterprise is nearly as important as your business model. Running an unprotected company may be the single riskiest method of operation. As the owner of a company, you need to protect your employees, customers, and your assets. Business insurance is the perfect layer of protection for your company.
Our expert agents in Hope Hills, NC will help you understand the various types of commercial insurance to choose the best form and amount for your company. Business insurance provides coverage for your physical equipment, inventory, and company vehicles. You can also choose a policy that protects your company if an employee steals from you or you incur some other type of theft. Business insurance is vital if your company encounters a lawsuit. If you have an employee that requires an extended absence leave due to injury, commercial insurance provides coverage.
There are typically four ways to categorize business insurance:
- Business liability insurance
- Business umbrella insurance
- Business property insurance
- Business automobile insurance
Business automobile insurance gives protection to all cars used only for business purposes. Umbrella insurance gives you extensive coverage for any losses that wouldn’t otherwise be covered. Business property insurance provides reimbursement for an individual suffering from financial loss due to destroyed property, buildings, land, etc. Business liability insurance pays for property damage and bodily injury when the insured party is responsible.
Even if you need insurance for business-related activity outside the realm of these categories, Cross Creek Insurance can help. We have been serving the Hope Hills, NC area for many years, helping business owners acquire insurance for their specific needs. Contact Cross Creek Insurance today for a custom policy. Rest easier knowing your employees, customers, assets, and financed are protected.