Sharing our knowledge about the things that matter the most to you.


6 Things That Will Affect Your Homeowners Insurance

Are you thinking about building a new home or buying one soon?

There are plenty of factors that play a role in the cost of your Homeowner’s insurance. Here are a few to keep in mind as you search for your new home or meet with a professional to build your dream home.

  1. Swimming pools are considered a risk in the insurance business and could possibly increase the amount you pay for insurance
  2. Everyone loves trampolines, I know. But it is a huge risk factor because people can get hurt easily on them. Some insurance companies may not even insure your home if you have one on the property.
  3. Some families have pets in their homes as well. Depending on the breed of dog you have could affect the price you pay.
  4. Exotic animals or hoofed animals can also increase your rate or cause you to be declined by some carriers.
  5. Gable roofs are the best way to go! You could run into problems getting insurance if you have a flat roof or other type of roof.
  6. Not all insurance companies offer insurance policies for log homes or unconventional construction type homes.

These are just some things to keep in mind on your hunt for a home for you and your family.


Open Enrollment, Mattoon Illinois

2 Things You Should Know About Open Enrollment

It’s that time of year, your health insurance is up for renewal or you might be in the market for the first time.

The big question here is: Are you covered for your medical expenses? In central Illinois, the days are starting to get shorter and the weather is starting to get colder. The changing weather brings about flu and other types of seasonal sickness. This is the perfect time of year to diagnose your health insurance needs and understand the guidelines for enrolling into a health insurance policy.

So what are some things you need to know?

  • Timing is everything. If you enroll anytime before the 15th of each month, you will be covered the following month. So let’s say you enroll November 14th 2015, your policy will become effective December 1st, 2015.   Open enrollment will end February 28th, which means that if you wait until the last day to enroll into a health insurance, your policy will become effective April 1st, 2016.
  • Penalties. As of 2015, the penalty for not having health insurance is $325 for a single adult or 2% of your annual income, whichever is higher. As of 2016, the penalty is becoming steeper. The new penalty is $695 or 2.5% of your annual income, whichever is higher. However, this is not a fine and can only be taken from an individual’s tax return.

When it comes to insurance, many of us are guilty of procrastinating and waiting for the last minute. That’s why we have made it very easy for you to renew your plan or get enrolled!

How? We will help you enroll/renew, guide you through your options, and help you with any questions you may have –  FOR FREE! As always, you can stop by our Mattoon, IL office or give us a call at 217-235-2555 with any questions you may have.


The One Thing Your Car Needs This Winter

With bad weather approaching, the chances of becoming stranded roadside become greater each day. Intense cold leads to a higher risk of engine trouble and breakdowns. Snow and icy conditions lead to an increased rate of accidents.


It goes without saying that winter months are much more dangerous to be stranded roadside. Many auto insurance policies carry with them Roadside Assistance coverage, to get help to you in these situations. Before extreme weather hits, make sure your Roadside Assistance number is accessible to you while you are driving, whether kept in your wallet, in the glove compartment, or stuck to the windshield. Taking this action can keep the ill effects of being stranded roadside to a minimum.


Does your child need life insurance?

As a life insurance producer, one of the toughest topics to broach is children’s life insurance.  Though it may make customers uncomfortable at first, children’s life insurance gives children a financial advantage at a young age.

2 key things to keep in mind:


  • CASH Value

Adults who are familiar with the benefits of whole life insurance have an understanding of a policy’s cash value.  The same holds true with children’s whole life insurance. As the child grows, a nominal premium is paid into a plan which gains cash value over time. The child can draw on this cash value as an adult, giving him or her a clear financial advantage at a young age.


Though it is hard for parents to imagine when a child is young, there are certain health complications and careers choices that can make it difficult to be approved for life insurance later in life. By locking in a children’s life insurance policy when their children are young, parents can rest assured that their children will have guaranteed, lifelong coverage.

Have further questions? Contact us today!

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