We thank you for referrals: Pick your favorite

dd gift card pic.jpg

We consider a referral to be the ultimate compliment. That means you trust us to take care of your friends, family, neighbors, coworkers, anyone close to you- and always provide them the right insurance coverages and exceptional customer service.

For every home or auto quote we do because of you, we’d like to send you a personalized thank you.

Pick your own “thank you” from the options below:-)

Gotta love my coffee:

  • Dunkin Donuts Gift Card
  • Aroma Joe’s Gift card

Keep me going:

  • Irving Gas card

I’m a shopper:

  • I’d like a little “treat” from Amazon.com

Pay it forward. Give me the gift of Good Karma. Make a donation to the following local charity, part of the Keslar Cares initiative to help others:

Referral values are $5 for each home quote and $5 for each auto quote ($10 combined!).  To take advantage of this program, you can simply fill out the form below. Or you may call us, email us or have the person you referred call us or email us and let us know that you have done the referring and we will take care of the rest! We can be reached at 603-273-0953 or info@keslarinsurance.com.

Thank you again for taking the time to think of us. It is sincerely appreciated!  We promise to take great care of anyone that you send our way!

Advertisements

Home-Based Businesses: Including Your Business In Your Home Insurance

If you have a home-based business or you frequently work from home, having both your office space and the business itself insured is an essential part of your overhead as an entrepreneur or business person.  One option that you may be considering is including your business as part of your home insurance.  While it may save you money in keeping your business investments and capital protected, it may not be enough in some cases.  So is home insurance the right choice for your home-based business?  Here are a few things to consider before shopping around for a separate business insurance policy.

What Does Homeowner’s Insurance Cover?

The coverage you receive from your homeowner’s insurance will depend on your policy, but in general it protects your home in case of damage or loss from a number of causes, and will usually include both the property itself and the contents.  Before deciding whether you need separate business insurance for your home-based business you will want to take a close look at your existing homeowner’s insurance policy.  If your contents are not covered, or the contents of your home office are not included in the policy, you will need to either extend your existing coverage or get a separate policy to include items such as your computer and office furniture.  Depending on the type of home business you run, however, this may not be enough to keep your business fully covered.

What Type of Insurance Does a Home Business Need?

One of the biggest considerations in deciding if you will need separate business insurance for your home-based business is whether the issue of liability will ever come up.  If clients enter your home for any reason or you have frequent business-related deliveries to your home, your homeowner’s insurance will not cover any injuries these people may receive on your property.  Also, if you have any employees, even if they work only a few hours here or there, you will need insurance to cover them.

If you run a home-based business your best choice in keeping both your home and your business covered is to talk with an insurance professional and discuss your particular situation.  Your business is your livelihood and your property is your home; ensuring that they are both covered should anything happen is important to both you and your family.

Understanding The Different Types Of Life Insurance Policies

The number and different types of life insurance policies available on the market can be overwhelming and confusing to choose from, especially if you have never purchased a life insurance policy before. Understanding what types of policies are available to you and what they can offer, even before beginning the search, can make it easier and less time consuming. Here is some basic information about the types of life insurance policies that you can purchase, and how to select the one that is right for you.

Types Of Policies

There are two general categories of life insurance policies: temporary and permanent. They both include coverage in the form of a payout to your chosen beneficiary in the event of your death, but the additional benefits these policies can offer you differ, namely from their investment possibilities to providing coverage for an inexpensive premium.

Temporary Life Insurance

The most common type of temporary life insurance policy is more commonly known as term life insurance. This type of insurance offers you death benefit protection for the term of the policy, typically 10 or 25 years. At the time the term expires, so does the policy, though many offer renewal options at an increased premium. The benefit of term life insurance is that it offers maximum payout for the lowest premiums. This is especially true the younger you are.

Permanent Life Insurance

Whereas there is really only one type of temporary insurance policy, there are a number of different options in the permanent life insurance market.

Whole Life Coverage-This includes guaranteed death benefits, guaranteed cash values, and the security of a fixed annual premium.

Universal Life Coverage-This option provides you with greater flexibility in both premiums and potential return. It still offers both a payout in the form of life insurance coverage and the potential of a cash value to increase with the term of the policy.

Limited Pay-This is basically permanent and term life insurance combined in that you only pay premiums for a specific term; however, you still receive the death benefit after the term expires, though usually at a reduced rate.

Endowment-This type of policy, which is similar to annuities, acts more as an investment than does traditional life insurance. The principal is protected and a payout is guaranteed, but the premiums are much higher than those of other types of life insurance.

Life Insurance And Major Life Changes

While life insurance can seem like a once-in-a -lifetime decision, there are a number of life events that should cause you to take another look at your life insurance policy to see if it is still right for you and your family.  So what should your life insurance policy do for you and your loved ones, and what life events should make you re-evaluate whether your life insurance policy is still right for you?

Do You Need Life Insurance Now?

Deciding whether or not you need life insurance depends largely on your age and your personal situation.  If you have children or a spouse, having life insurance, no matter what your age, is important to ensure that they are cared for should anything happen to you.  If, however, you are not married or do not have children, do you still need life insurance?  One thing to consider is whether or not you have any family or other people who rely on you financially, such as your parents.  Another consideration is your age.  It is considerably cheaper to purchase life insurance at a younger age, so if you plan on having a family in the future it may be wise to give yourself the best protection at the lowest rate.

Balancing Protection And Investments

Life insurance can certainly be more than just a financial security blanket for your family; it can also be a wise investment opportunity.  In selecting life insurance there are, in general, two different types to consider-term and permanent.  Term life insurance is a good choice if you are young and have a family.  It can offer you the maximum protection for the lowest premium but, as the name suggests, the insurance is only valid for the term of the policy, at which point it expires. Permanent life insurance, on the other hand, offers you protection for life and usually gives you a return on your investment in the form of a cash value on the policy.  While the premiums on a permanent life insurance policy will be higher than a term policy, it may be a better choice for long-term protection.

Retirement and Life Insurance

Retirement is a time when we experience a number of changes in both our day-to-day lives and our financial and family lives.  This is also an important time to re-evaluate your life insurance policy, and in most cases make some changes in the type of coverage you have.  At retirement you and your spouse’s financial situation is likely very different than when you first got married.  Your family has also changed, and your children are likely not in need of the same financial security through you that they once did.  This is a time when choosing a more affordable life insurance that can offer you a cash value may in your best interest.

An insurance agent can help you find the policy that works best for you at any point in your life.

5 Things to Consider When Buying Life Insurance

5 Things to Consider When Buying Life Insurance.

Buying life insurance. Seems daunting? It doesn’t have to be. Here are 5 simple things to help you with that process.

How Much Life Insurance Do You Need?

Figuring out how much life insurance you need to carry can be confusing.  It really depends on a few factors, and there are a few simple methods you can use to determine how much you should carry.  At the most basic, there is a minimum amount of life insurance you should carry if you want those left behind to avoid a struggle.  Beyond that, you really can’t have too much insurance, so add more as you can afford it.  But remember, the younger you are when you take out your policy, the more affordable it will be.

 Who Will Be Left Behind?

Who will be left behind when you pass away is one of the biggest considerations as to how much life insurance you need.  If you are married but have no children, and your spouse has a good source of income, you might not need as much insurance as someone who is the main breadwinner.  Each child you add to the mix means more insurance you will need to ensure they are cared for if you are gone.  You also need to consider whether you want to provide for college educations for your children or if you are simply aiming to meet their basic needs.

 Your Annual Income

How much you make every year is a good starting point to determine how much your family will actually need to survive without you.  If you are the sold earner in the family, then you know that your income is enough to keep the family at the current lifestyle they are used to.  Many agents recommend that you provide at least 5 times your annual income in life insurance, which provides your family with approximately 5 years of income to recover and find a new source of funds.

 Mortgage Protection Coverage

Will your family be able to pay the mortgage on your home after you are gone?  If you don’t want them to lose their home, providing enough life insurance to pay off the mortgage is a good idea.  This is often recommended on top of the annual income you will provide to your family.

 Life Insurance Calculators

There are a number of excellent life insurance calculators available online, and your insurance agent can also provide this service.  With a small amount of information regarding your finances and income, these calculators make it easy to determine just how much insurance you should take out.  Remember that while life insurance may seem like an unnecessary expense, your family’s future may depend on it.  Make sure you have enough so that you will be prepared for an unexpected tragedy.