Faqs

After you’ve discussed your term, whole, or universal options with your agent and have decided on a policy, you’ll need to fill out an application and then you’ll complete a detailed health [...]

There are three different types of life insurance available for purchase in Tennessee: term, universal, and whole life. Term life is one of the most common and affordable ways to ensure the [...]

Your financial advisor should be able to help you determine the amount of life insurance you need. He or she will likely consider your current income, financial responsibilities and obligations, [...]

Purchasing life insurance is one of the most important decisions you can make for your family. In the event of an unexpected or premature death, life insurance can protect your family and [...]

Be sure to ask you agent about possible discounts on your policy. A few of the most common discounts are: Protective devices discount: if you install or already have smoke detectors, fire [...]

As with homeowners, condo insurance is not typically tax deductible. However, if you rent or sublet your condo or you operate a business out of it, you may be able to deduct a portion of your [...]

Most standard policies do not cover losses incurred as the result of flooding. Speak with your agent to determine whether or not you should purchase flood coverage through the National Flood [...]

Be sure to speak with your agent, but you should consider the type of policy (bare walls-in or all-in) your homeowner association (HOA) carries, the cost of rebuilding or replacing your [...]

While your condominium association policy covers the external areas of your dwelling, condo insurance covers the interior walls of your unit, appliances, personal property, and personal liability.

Actual cash value is the cost of replacing your belongings, less depreciation. So if your computer cost $2000, but you bought it 5 years ago, it may only be worth about $750 today. Replacement [...]