Frequently Asked Questions (FAQs)

What payment methods do you accept?
We accept cash, checks, and these credit cards: American Express, MasterCard, Visa and Discover.

Do you follow any privacy policy?
Yes. We respect your privacy, and that very much includes your personal details. Please read our Privacy Policy page for more information.

What is included in my homeowner’s Insurance policy? What should I keep in mind before buying a policy?
Your homeowner’s insurance covers your house, permanent fixtures and fittings, garden walls, gates, fence, pool and your personal belongings.

This policy protects you from specific types of home-related accidents and incidents. The most common types are fire, theft and vandalism. In case you are unable to stay in your home due to damage from an accident, the policy provides additional living expenses such as hotel expenses.

It also provides liability protection. Ideally, the amount of coverage should be sufficient to replace your home and property, and also cover your liabilities. If you stay in a flood or earthquake-risk area, you should separately purchase flood/earthquake insurance, because homeowner’s insurance usually doesn’t cover floods and earthquakes.

Can I increase or decrease the amount of insurance on personal items in my home?
Your personal property coverage usually reflects 50% of your home insurance coverage. It may be increased or decreased, depending upon state requirements.

Can I lower my home insurance premium?
Yes, you can lower your homeowner insurance premium by asking for discounts on your current policy, holding multiple insurance policies with your insurance carrier and raising your deductible.

What happens to me if I drive without auto insurance?
If you are involved in an auto accident and found to be driving without auto insurance or proof of insurance, you will be subject to penalties specific to the laws of your state. That could include a fine or even loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay on your own for any damages assessed by a court.

What is “term” life insurance?
There are two main types of life insurance policies. Term insurance pays out a sum if the holder dies during the fixed period of the policy. Life assurance also offers a lump sum payout to dependents should the policy holder die during the period of the policy, but if the policy holder survives that period then he or she will receive the payment.

Why do different people pay different premiums?
The amount you pay depends on the level of risk you represent to the insurance company. The price you pay for life insurance depends mainly on your age, health, lifestyle and occupation. So if you are older, have health problems, smoke, or work in a dangerous environment, you will have to pay more for life insurance than someone who is younger, healthier, a non-smoker and in a low-risk occupation.

Are the proceeds from a life insurance policy taxable?
Generally they aren’t subject to income taxes. However, they may be subject to estate taxes. Please check with your financial advisor.

Still have a question? Contact us now.

Personal Insurance

Our Personal Insurance products include:

  • Life Insurance
  • Auto Insurance
  • Homeowner's Insurance
  • Annuities

Business Insurance

Our Business Insurance products include:

  • Business Owner’s Policy
  • General Liability & Property
  • Apartment Building Packages
  • Builders Risk
  • Workers Comp
  • Umbrella 

Other Services

Our Other Services include:

  • Long-Term Care Insurance