Primary Policies
Your Choice Auto Insurance
At the McLaughlin Agency we offer an amazing product - Your Choice Auto. This wonderful product includes the following benefits:
Accident Forgiveness (Multiple Accidents) -
Helps keep your rates from going up just because of an accident. Even if it's your fault.
Safe Driving Bonus - Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium. This is in addition to any other discounts you qualify for.
Deductible Rewards- You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
New Car Replacement (optional) - If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
Ticket Mitigation - Helps keep your rates from rising if you receive a minor violation,
Life Insurance
If something happened to you, wouldn’t you want the people you love to be taken care of? Life insurance can help make sure those you leave behind don’t have to worry about making ends meet financially. And the time to think about getting it is now. Keep reading to learn more.
Life insurance is pretty simple. If you're protected and you pass away, your beneficiaries receive a cash benefit. They can use this for just about anything—paying off debts, replacing income that you're no longer providing and of course, medical and funeral expenses. Now that you understand life insurance, let's take a look at two basic kinds of life insurance. Here's each of them in a nutshell:
Term Life Insurance: This coverage lasts for a "term" you choose, usually 10, 15, 20, or 30 years. During that time, your premiums are guaranteed not to increase. If you pass away during that time period, your beneficiaries get a cash death benefit. If you live longer than the term period, you have the option to continue coverage for an annual, renewable premium, which is generally much higher. You can usually convert a term policy to a permanent one without getting a new medical exam.
Permanent Life Insurance: There are two big ways that permanent is different from term. First, the policy is meant to last the rest of your life (as long as you make the required premium payments, of course). Second, part of the money you pay in is set aside in an account where it can grow cash value that you can tap into later on. There are several types of permanent life insurance, each with different advantages.
Financial Services
You work hard for your money, and it should work just as hard for you. The right financial solutions can help you get there—and can help protect you from unnecessary exposure to risks. In fact, there are financial solutions that can:
- Protect your family’s financial future
- Protect the assets you’ve worked so hard for
- Help put your savings on auto-pilot
- Help you avoid paying unnecessary fees or high interest rates
- Lower your tax bill
- Provide professional investment management
- Help to ensure a health crisis won’t put you in debt New paragraph
Ready to Learn More?
Not every financial solution is right for your goals. If you need a little help sorting through all the different products, don’t worry, you’re not alone. Call us and we will help you understand the basics about various financial solutions: how they work, why they’re a good idea and what to consider when making your choice.
Mutual Funds
Life Insurance
Annuities
IRAs
529 College Savings Plans
Supplemental Health Insurance
Mortgages & Home Equity
Savings & Checking Accounts
Contact us today for advice, information and insurance quotes.
|
Copyright © 2009 McLaughlin |