SIMPLIFIED-ISSUE LIFE INSURANCE

 

SIMPLIFIED-ISSUE LIFE INSURANCE

CHILDREN’S ADVANTAGE PLAN Plus

 

Life insurance should be the foundation of everyone’s financial planning. Regardless of age, everyone needs life insurance protection. For children this need is not measured by current financial obligations, but by what the future will hold. Auto-Owners Children’s Advantage Plan Plus ® is recommended and designed for those who care. Starting a child with a permanent life insurance program, while his or her health is still good, and also providing a tax deferred annuity savings element for whatever future needs he or she may have, is a sound financial decision. Not only will a life insurance policy financially protect the parents of the child, but, it could be given as a gift to the child when he or she reaches adulthood for his or her use of the cash values, or as a policy to protect the financial well being of his or her own family. Please read the amazing policy features and benefits to insuring what matters most to you.

  

Policy Features and Benefits

  

Issue ages are from 15 days through age 17 - allows protection to be obtained before health problems manifest themselves.

Coverage, premiums and cash values are guaranteed to age 110.

Policy amounts available are from $10,000 to $50,000.

Policy amount increases 50% automatically at both age 18 and 25 with no premium increase.

 

Optional annuity benefit - allows an excellent opportunity to begin a retirement savings account, right from the start.

5% Customized Joint Life Discount - allows a savings when two or more policies, with insurable interest, are billed together.

Life Multi-Policy Discount - provides a 5% discount on your automobile, homeowners, mobile homeowner’s insurance policy. With the life discount of 5% applied to your homeowners and automobile policy most of the time the life insurance policy is completely 100% FREE. You simply just can’t find a better life insurance plan for your child or grandchild.

Premiums paid in advance - allows for any number of life insurance premiums paid in advance at a discount.

 

Cost: $10,000 life insurance policy for a 5 year old female is $6.00 a month. Coverage will automatically increase to $15,000 at age 18 and to $20,000 at age 25. Therefore, at age 25, the initial coverage of $10,000 automatically doubles without any increase in premium. With the life discount of 5% applied to your homeowners and automobile policy most of the time the life insurance policy is completely 100% FREE.

If you would like to purchase this life insurance policy for your child or grandchild, have any questions relating to this or any life insurance product or have any questions please feel free to call Michael Carlisle at Carlisle Insurance Agency at 740-286-5031.

  

Auto-Owners is "Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Four Years in a Row" -- J.D. Power and Associates

www.carlisleinsagency.com http://www.auto-owners.com/our-products/life-insurance/life-insurance#SIKID

Auto-Owners Insurance receives J.D. Power and Associates Award Auto Claims Satisfaction Award - The Jackson County Times-Journal: Business: j.d. power, carlisle, insurance,

Auto-Owners Insurance receives J.D. Power and Associates Award Auto Claims Satisfaction Award - The Jackson County Times-Journal: Business: j.d. power, carlisle, insurance,: Auto-Owners Insurance is proud to be recognized by J.D. Power
and Associates as

Shedding Light On Car Insurance Savings

Carlisle Insurance Agency

Shedding Light On Car Insurance Savings

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency; Carlisle Insurance Agency can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Carlisle Insurance Agency at 740-286-5031 or visit www.carlisleinsagency.com or www.progressiveagent.com.

Michael Carlisle

Carlisle Insurance Agency

659 E. Main St. Suite A

Jackson, Oh 45640

Extra Expense Insurance

If your business suffers a major disaster that interrupts normal business operations, what effect will it have on your operations over the long term? Will you be able to retain customers? Will you lose valuable employees? Alternatively, does your

business allow you the flexibility to operate from a different location with equipment that is easily acquired? The answers to these questions allow a business owner to determine whether business income coverage, extra expense insurance or a combination of both, is needed.

Businesses, especially those offering a service that can easily be replaced by another business, may face permanent loss of customers if business is interrupted for an extended period of time. Businesses whose operations depend more on employees than on location may not have a serious threat of income loss, since they can continue operating from a temporary location preserving income flow. However, operating from a temporary location and expediting delivery of replacement supplies and equipment can add up to considerable extra expense. Additional advertising may also be necessary to let people know you aren’t out of business. In many cases, a business may need both business income coverage and extra expense coverage.

The promise of extra expense coverage is to pay the actual and necessary extra expenses needed to continue operations, which would not have been incurred if there had not been a direct physical loss to the business. The period of restoration begins on the date of loss and ends when the property should be repaired, if reasonable speed is applied while returning the property to its pre-loss condition. Interference by building ordinance, zoning law or environmental protection law does not extend the period of time when extra expenses are payable. The period of restoration is based on the period of time during which repairs should be completed. The expiration of the policy has no bearing on this period of time. http:\\www.carlisleinsagency.com