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Insurance Made Plain

Insurance Made Plain

Insurance is a fact of life. Most states mandate that in order to drive you must
have auto insurance. If you have a mortgage, you are required to have home
insurance. But unfortunately, insurance is not a subject taught in school. As a
result, many stumble through the dark not quite sure of the difference between
comprehensive coverage and collision coverage or know that flood damage is not
covered under a home insurance policy. Insurance Made Plain to help people,
specifically women, become insurance savvy by taking the complexity out insurance.

Don’t forget insurance with college-bound kids

Don’t forget insurance with college-bound kids
Insurance needs are often overlooked in the last-minute scramble. But relying on
existing coverage — or a lack of it — can end up costing families during the
college years and perhaps beyond.

Parents don’t need to buy all kinds of additional insurance as they pack the kid off
to college. But they had better at least review their coverage to know whether
they’re prepared for that stolen iPad, trip to the emergency room or worse.

A look at key considerations for different types of insurance:

Auto Insurance

Car insurance is an area where families can actually save money.

Premiums may be reduced by 10 percent to 20 percent if the student attends a college
more than 100 miles away and doesn’t take a car. And, car on campus or not, some
insurers also offer a “good student discount” for those who maintain a B average or
higher.

Even if they might not qualify for either discount, parents should inform their
insurance company that a student on the policy will be relocating. It’s good to keep
insurers in the loop on such moves. Depending on where the college is, the cost
could go up or down.

PERSONAL PROPERTY

It’s not unusual for students to have thousands of dollars of electronic gadgets and
other belongings in their dorm rooms, from laptops and videogame systems to bicycles
and musical instruments. And they are popular targets for theft.

Such items typically are covered by the parents’ homeowners or renters insurance if
stolen — minus the deductible, of course. But coverage varies, so inquire about
any policy limits.

Taking a photograph of each expensive possession can help ensure receipt of its
proper replacement value if it’s stolen.

To protect against items being lost, or for extra coverage with a lower deductible,
renters insurance is available for usually around $150 to $200 a year. Deductibles
can be as low as $50 or $100.

Anyone living off-campus will need to get a separate renters insurance policy to
cover personal belongings, as will each roommate.

Life Insurance

Buying life insurance for a college kid might sound overly cautious, if not macabre.
But it can make sense for parents who co-sign for tens of thousands in private
student loans. Without it, they may owe the amount they co-signed for if their child
dies. Some lenders, but not all, will forgive loans for co-signers if the student
dies or is permanently disabled. Be sure to ask your lender first.

It’s possible to get a $100,000 term life insurance policy for a student for less
than $100 a year. That’s a bargain price to pay to avoid the risk of years of hefty
monthly payments if tragedy strikes.

Save 30% off Auto Insurance in 30 Days

Selling snapshot

is as easy as 1-2-3

1

 

 

Introduce the DISCOUNT

“I’d like to tell you about Snapshot.

 

®

It’s only offered by Progressive. Snapshot

uses technology that observes your

driving behavior, and gives you a discount

based on that information. The bottom

line

 

Snapshot helps good drivers save

money on their insurance.”

2

 

 

Qualify the customer

“Sound interesting? You should consider

that Snapshot is best for drivers who:

Are willing to plug the device in their

vehicle for six months.

Drive their vehicle less than 15,000

miles per year.

Don’t frequently drive between

midnight and 4 a.m.

Don’t frequently brake hard.

Does it sound like Snapshot might be a fit

for you?”

Help the customer make a good decision

by using the Snapshot questions within

the ForAgentsOnly.com (FAO) quote flow.

If they don’t meet any of the criteria

above, they will probably not benefit.

Remember that Snapshot can be used for

any or all vehicles on a policy.

Progressive will not prevent a customer

who wants to enroll from doing so,

regardless of how they answer these

questions. Your counsel is key. Remember,

their rates can’t go up.

3

 

 

E ducate the customer

“It sounds like you could really benefit

from Snapshot. So, here’s how it works.

Once you’ve signed up, Progressive

will send you a small device that you

connect to the diagnostic port in your

vehicle. Expect to receive it in 7-10 days,

and plug it in as soon as you get it.

The device measures how, when, and

how much you drive, and transmits

that information to Progressive

automatically

 

you don’t have to do

anything!

After 30 days, you could earn an initial

discount of up to 30 percent for the

rest of your first policy period based on

your driving habits.

After six months, you’ll be contacted

to return the device to Progressive, and

any discount you achieve will continue

for the life of your policy or until

Progressive requests updated vehicle

use information.

If you decide that Snapshot isn’t right

for you, you’ll need to return the device

to Progressive. And, of course, if you

ever have any questions or concerns,

just give us a call.”1-888-644-8505

Life Insurance

What is term life insurance?

Term life insurance differs from whole life insurance because you purchase coverage
for a specific period of time rather than an indefinite one. Generally, you can buy
term life insurance for periods of five years or more, and your policy is active
until that period passes.

We offers term life insurance quotes from many of the nation’s top life insurance
companies, so you have several options to find the right life insurance company and
policy for your budget.

How much life insurance do you need?

An ideal time to buy life insurance is when you’re healthy because you’ll pay less.
As the years pass, keep in mind that rates change, so even if you already have life
insurance, you can get the same — or more — coverage for less money.

Other factors to consider when you’re deciding on life insurance include:

medical expenses
your children’s age
whether you’re the sole income earner
funeral expenses
Planning for life insurance doesn’t have to be an unpleasant experience. In fact, it
can be quite comforting to know that you’ve considered all aspects of your life and
are ensuring your loved ones are in good hands.

Plan today so you can enjoy tomorrow.

Thank You,
Willie Cheeks

Cheeks Insurance Agency, LLC
One Columbus Center Ste 600
Virginia Beach, Va 23462
Cell:(757) 309-1850
Office:(757-390-3332
Fax:(757-963-0129

Visit us on the web:
http://www.cheeksinsurance.com

Aside

Do you like mak…

Do you like making money and helping others save Money?

When choosing a career, it is helpful to get information about it from those who
actually work in the occupation one is considering. Please share information about
your career as an insurance agent so that those thinking of entering this field can
make an informed decision.
Describe what you do as an insurance agent?
What do you like about being an insurance agent? What don’t you like about it?
With the proper training, how easy or difficult is it for someone to get an entry
level job as an insurance agent?
Are you happy you became an insurance agent? Why or why not?
Tell Us About Your Job!
What insurance agent does
As an insurance agent,you are a field worker.You go out prospecting people to buy
policy(ies) that suit thier needs as an individual or company/organization. After
your prospect agrees to pick your policy, you then collect necessary information on
what you are insuring and pass it to the underwriter for evaluation and issuance of
policy certificate. Thereafter, you keep servicing your client by the way of
collecting premiums (especially in life insurance) and remitting it to the insurance
company’s bank account and then returning the receipt of payment to your client.
Also in times of claim, you assist your client to get his claim from the insurance
company. The good thing of being an insurance agent is that you have time for
yourself, you meet people (make connection), you can make millions from one good
business. Objections from people could be frustrating. Join our Team Today

Call for your 30% saving Today

Progressive’s latest Flo ad, Rallying Cry, focuses on the just-expanded
rollout of Snapshot, a patented computer gadget that monitors real-time driving
habits. It’s now available to non-customers and promises to identify savings of up
to 30% on premiums.
“We’ve adapted our creative efforts,” Charney says. “Rallying Cry is less about
humor and more about the technology.”
More than 750,000 Progressive customers have used Snapshot, but Progressive says it
is too early to gauge non-customer response. Industry analysts say the device could
be a game-changer, given pricing models based on actual driving patterns instead of
typical pricing metrics such as demographics, vehicle types and consumer credit
scores. Call for your saving Today!!!!!

Smile Everyday

Hello Friends

Smiling-Being Happy and Enthusiastic-is always a choice and not a result.
It is a decision that must be consciously made.
Enthusiasm, joy and happiness will improve your personality and peoples opinion of you.
It will help you keep a proper perspective on life.
” Keep Your Face To The Sunshine and you cannot see the shadow…”

The Bigger the challenge ,the more enthusiasm you need..

Our Attitude always tells others what we expect in return

Smiling is a great ice breaker, a Powerful weapon..Being happy and enthusiastic is
like a head cold–its very,very, contagious.

Speak To You Soon..Friend

Have A Great Day

A LAUGH A DAY KEEPS NEGATIVE PEOPLE AWAY.

Thank You,
Willie Cheeks

Cheeks Insurance Agency, LLC
One Columbus Center Ste 600
Virginia Beach, Va 23462
Cell:(757) 309-1850
Office:(757-390-3332
Fax:(757-963-0129

Visit us on the web:
www.cheeksinsurance.com

Do I Really Need

                                                  Do I Really Need
                                                  Renter Insurance?

Yes, If you rent a home, condo or apartment. In fact, many rental agreement require
you to purchase renters insurance for coverage not offered by your landlord’s
policy. More importantly, renter insurance will cover your possessions in the event
they are stolen, destroyed or if a visitor is accidentally hurt at your resident.

Your peace of mind and financial protection are just a call away. Call your Agent
for a quote today!! It’s easy, affordable and only takes a few minutes.

Protection offered by our policy
Renter Policy
* Personal property
* Liability & Medical payment
* Additional Living Living Expense
* Compliance with yourRental Agreement

Protect yourself and your personal belongings with the best coverage, service and
saving.
Call our trusted agent for a free quote !!!!!!

Saving Money Starts at Home

Protection starts at home
With a variety of homeowners coverage options, you can feel safe knowing your home
and those who live there are protected when you insure .

The right coverage for you
When you are insured with  Home insurance  you’re not only getting one of America’s most trusted
insurance providers, you’re also getting your own dedicated agent, who will work
with you to create a custom plan just for you. And that’s important when you have
so many coverage choices and options. Here are a few that we offer.*

Dwelling Protection:
Covers damage to your home due to fire, lightening, smoke, storm damage or other
similar perils.
Personal Property:
Provides coverage for your household items in the event of a fire, theft or other
covered loss.
Extended Replacement Cost:
Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild
your home in the event you suffer a covered loss.
Additional Living Expenses:
Provides coverage for living expenses if your home becomes uninhabitable as a result
of a covered loss.
Personal Liability Protection:
Pays for bodily injury or property damage caused to others as a result of a covered
incident.
Guest Medical Protection:
Pays medical expenses for your guests who are accidentally injured on your property.
Identity Theft Protection:
Pays for expenses you incur as a result of criminal identity theft.
Additional personal property coverage for valuables, such as antiques, fine art and
jewelry
*Coverage(s) may be subject to certain restrictions and limitations and may not be
available in all states. Ask your local independent agent for more information.

Uncover discounts for extra savings
Everybody loves to save money, so we also offer a variety of discounts that can you
save even more off  already low rates. Take a look at these:

Protective Devices Discount
You can receive discounts for smoke alarms, deadbolts, burglar alarms and more.
Fire-Resistant Construction Materials;
Newer Home;
Gated Community; and
Selecting a higher deductible.
*Discounts may vary by state.

Go multi-policy
Make sure you ask your local agent about our AUTO+HOME discount. You could save
hundreds of dollars a year when you insure both your auto and your home.

Link

Captive vs. independent Insurance Agent

Captive vs. independent Insurance Agent

 

How to choose: captive vs. independent insurance agents

Many people consult an insurance agent or broker for their  needs, and for good reason: agents can help you navigate the complicated world of insurance and help you get thecar insurance best deal.

But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered? Here’s the difference:

Captive agents represent just one insurance company. As part of their business agreement, they offer only that company’s products, services, and coverages.

Independent agents and brokers offer products from different companies. Often, they can offer more choices and savings because they can review multiple options to find the right mix of companies, coverages, and rates for you.

Because they represent many different insurance companies, independent agents can allow you to shop around with competing carriers and get you the best deal. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker.

To learn more, talk

Another plus to working with an independent agent or broker is their ability to offer guidance for all your ,vehicle insurance needs. In some cases bundling your car, motorcycle, boat, and/or RV policies together can save you big bucks. Leading car insurer Progressive offers multivehicle discounts, so don’t leave out any of your cars or other “toys” when getting your insurannce quote.

to your local independent insurance agent.