Helpful Insurance Tips

AUTO

Most insurance companies provide a discount on your auto policy for good students in high school and college.

GENERAL

You should review your insurance policies with your agent on an annual basis.

HOME

Make sure your agent knows if you have a smoke detector/fire extinguisher/security alarm. Some insurance companies provide discounts on your home policy for having these items in your home.

LIFE INSURANCE

Start shopping early for life insurance. The older you are, the more expensive it will be. If you put it off 5 or 10 years, your annual premium will be higher and you run the risk of developing a health problem which will also increase your premium.

MEDICARE SUPPLEMENTS

Protect yourself from the bills Medicare won’t pay. You should begin shopping for your Medicare Supplement at age 64 ½.

Short-Term Medical Coverage for 30-365 days.

If you currently do not have health insurance for one of the reasons noted below, remember you can apply for temporary health coverage to fill the gap. • Between jobs or laid-off • Looking for a lower-cost alternative for COBRA • Recent College Graduates • Waiting for employer-sponsored coverage