PERSONAL INSURANCE

Learn The Facts, Then Consider Flood Insurance

     Have you considered buying flood insurance?

 

     Before you answer “no” and add, “Why would I need that?”  or “I don’t live anywhere near a river!” you should know that many home and business owners have offered similar responses and then gone on to suffer uninsured flood damage.

 

     Before you decide not to purchase flood insurance, you owe it to yourself to learn some facts:

 

·         A little water can cause a lot of damage.  According to the FEMA-sponsored website FloodSmart.gov, only 3 inches of water in a 1,000-square-foot, slab construction home can result in damages of over $11,000! Put that 3 inches in a finished basement and the cleanup costs alone can run you more than $5,000.

 

·         You don’t need to live on a riverbank to get flooded.  Many floods occur far away from a body of water.  Water flowing down an incline, pooling in a low-lying area or unable to enter a blocked storm drain can find its way into your home or building.

 

 

·         Flood insurance can be inexpensive.  If your home lies outside the floodplain and has a slab foundation, you can purchase enough coverage to pay for your cleanup costs and minor repairs for as little as $129 a year. Homes with crawlspaces or basements will pay only slightly more.

 

             Please don’t go unprotected against flood damage without learning the facts about your risks and coverage options.  Be informed.  Be protected. Contact our office to talk about flood insurance. Carlisle Insurance Agency in Jackson, Oh 740-286-5031 www.carlisleinsagency.com carlisleagency@hotmail.com

 

 

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

Starting a new business or re-evaluating your current business insurance needs?

If you are starting a new business or are re-evaluating your current business insurance needs, it is important to make certain you have a good, solid, business insurance policy that is tailored to your needs. Many small business owners often view business insurance as a luxury, when in fact it is a necessity to protect you and your business. Several business owners only think of a business policy as protection against casualties and damages such as a theft, fire, or damage to equipment and products. When in fact, the most important part of a good business policy is the liability protection.

No matter what size of business you operate, big or small, it is always important to protect your business and yourself from the unpredictable. In today culture, even the smallest accident can result in large lawsuits. The general liability portion of a business policy is extremely important in that it defends you, your employees, and the reputation of your business from any lawsuits that may develop from bodily injury, damages, or negligence for something it did or didnand. General liability insurance can often be purchased separately or as part of a BOP (business owner's policy). A BOP; combines both property and liability insurance together into one policy.

Typically a BOP includes the following:

Property insurance to cover the building, equipment and goods; General Liability insurance to protect the business, employees and owner from lawsuits that may arise from accidents, negligence, or other damages; Casualty liability protection to protect the business and employees from harm to other people or their property; Insurance against theft of goods or money and securities; Insurance against interruption of business: This coverage can provide money to offset lost profits and income to continue paying expense; Several other options and endorsement are available to purchase
When purchasing a Business Owners Policy, it is very important to discuss the details with a licensed insurance agent who is familiar with commercial insurance policies. There are several options and risks that can be covered under a BOP. Some of these options can include signage, money and securities, business property, employee dishonesty, computer viruses, mechanical equipment failures, or loss of income for utility failures just a to name a few options. Not all over the options available are necessary to all business owners since not all businesses are alike. For example, a deli business that stores a large supply of refrigerated food, might find it very valuable to purchase insurance to protect them against the refrigeration equipment/breakdown or possibly even protection against a utility (electrical) failure that could possibly ruin valuable refrigerated food goods. It is also extremely important to purchase commercial auto insurance coverage for all vehicles used within the business.http:\\www.carlisleinsagency.com