Life Insurance

(Bad) Reasons Why People Don’t Buy Life Insurance

Posted on by TheSph3r3
Misconceptions Life Insurance Las Vegas NV

These common misconceptions about life insurance utilized too often.

Thinking about your death is hardly the most enjoyable way for people to pass the time. Thinking about how your family will cope after you’ve passed is an essential part of being part of a family. However, that’s not the only reason that people avoid shopping for life insurance.

With many Americans still underinsured – or worse, not insured at all – it’s time to bust some common misconceptions about life insurance!

Reason #1: It’s costly.

The first reason why people don’t buy life insurance is that they think that it’s expensive. Around eighty percent of the nation overestimate the price of any given policy. People believe that it’s more expensive than it is for protection that they truly need. When asked, most people guessed that a plan is more expensive than it is.

Reason #2: I’m young and healthy. I don’t need it.

Your life insurance needs depend on many factors, but if possible, it’s better to buy a policy when you’re young and healthy as it will cost significantly less than when you’re older. The theory is, is that you’re more likely to develop health problems as you age, and therefore, the price goes up.

Reason #3: You can’t get coverage if you have health issues.

Unless you have severe health conditions, you generally can buy term life insurance. Conditions such as diabetes, high cholesterol, and arthritis will mean higher life insurance quotes – however, insurance could still be within reach!

Reason #4: Single people don’t need it.

Many single individuals still need life insurance. For example, you may have children, be planning to marry or have aging parents who are financially dependent on you. Also, life insurance would also help if you’re single and own a business or a have co-signed debt.

Now that you’re ready to purchase the life insurance that you need and deserve, contact the professionals! Visit All Nevada Insurance for the policy that suits your needs in Las Vegas, Nevada.

I’m Retired – Do I Need Life Insurance?

Posted on by TheSph3r3
Life Insurance After Retirement

Retirement offers a different lifestyle as well as financial focuses.

Life insurance is designed to protect your spouse and children from suffering financial stress in the case of your untimely death. However, once your children have become self-sufficient, and you and your spouse accumulate significant assets, there’s less of a need to keep paying for life insurance premiums. A commonly asked question is: do retirees need life insurance?

If you’re approaching retirement and the nest is empty, and the mortgage is close to being paid off, should life insurance be a part of your retirement planning?

Here are a few reasons why retirees need life insurance:

Pension replacement. If a significant part of your retirement income is furnished by your pension, you might need life insurance if your spouse or another dependent cannot receive your pension after your death.

Estate planning. Life insurance death benefit could be used to pay estate taxes instead of selling assets at an inopportune time.

Protect against stock market downtowns. A market crash could affect your investments negatively. Cash value life insurance could provide a backup plan if your portfolio value goes down so much that it reduced your income stream and impacted your lifestyle.

Cover unexpected expenses. A cash value policy could help you to pay for unexpected expenses either by withdrawing some of the cash value or by taking a loan against the policy.

Assets for your family. You could use your life insurance death benefits for an even distribution of financial aid for your loved ones.

Life insurance is there to give you peace of mind and to protect your loved ones once you pass. Are you ready to get started on securing the right life insurance policy for your retirement? Contact All Nevada Insurance for all of your Las Vegas, Nevada insurance services.

What Insurance Do Startup Businesses Need?

Posted on by TheSph3r3
What Insurance Startup Businesses Need

Get your business off the ground with secure defenses in place.

For most businesses, even fledgling ones, business insurance should be considered as essential to their survival as basic utilities and steady customers. Some types of insurance are required by law – others are just smart for your business. Which ones does your company need?

To make sense of the nonsensical insurance terms, it’s helpful to have a guide. And All Nevada Insurance is here to be exactly that for your business! We want to help you safeguard all of your hard work, so here are the top coverages that your startup needs.

General liability insurance – This provides financial protection for your business in the event of lawsuits and claims. These may arise as the result of injuries or property damage connected with your business, or even non-physical acts like slander or libel.

Property insurance – If you conduct business from a building – which is more likely than not – you’ll need this coverage to protect your property from fire, wind and hail storms, and vandalism.

Business Owner’s Policy – This cover is the best of both worlds! A BOP bundles general liability and commercial property coverages, and is generally the most affordable choice. If you’re a small business owner and you want the convenience of a single policy covering the bulk of your risks, this is a great choice.

Flood insurance – Backed by the federal government, the National Flood Insurance Program covers businesses from financial losses due to property damage caused by flooding.

Does your startup need the protection that will allow you to focus on excelling your company? If so, then contact the professionals at All Nevada Insurance. We serve Las Vegas and neighboring cities of Nevada with the right business insurance policies and can tailor coverage that’s right for you, no matter what your business needs.

Homemade Hummus Fit for Any Fourth of July Celebration!

Posted on by TheSph3r3
Fourth of July Recipe

This healthy, filling, and easy-to-make dip is ideal for your backyard celebration.

The fourth of July is almost upon us, and while you have plenty of barbecuing foods chilling in the fridge, have you thought about the starters? While many backyard barbeque parties are full of grilled food and beer, many guests find the small snacks and samplings are ideal while waiting for the grill to heat up.

Before you stock up on some cheap and calorific sauce, check out this easy recipe for making homemade hummus. Not only will it satisfy your guests until the grilling is complete, but it’ll have them asking you for the recipe.

Ingredients

  • 1 cup dried chickpeas
  • 1 tablespoon baking soda
  • 1/2 cup tahini (sesame paste), well stirred
  • 1/4 cup extra-virgin olive oil, plus more for drizzling
  • 1 clove garlic
  • Juice of 2 lemons
  • 1/2 teaspoon ground cumin
  • 1/4 teaspoon red pepper flakes
  • 1/4 teaspoon paprika, plus more for sprinkling
  • Salt
  • Pita bread and/or vegetable sticks, for serving

Directions

  1. Put the chickpeas in a strainer and pick through to remove any small stones; rinse well.
  2. Transfer the chickpeas to a large bowl and add 8 cups water; stir in the baking soda. Set aside to soak at room temperature for 12 to 24 hours.
  3. Drain the chickpeas and rinse well. Transfer to a large pot and add 10 cups water; bring to a boil and cook 5 minutes, then reduce the heat to low and simmer until the chickpeas are very soft, skimming off any foam from the surface, about 45 minutes.
  4. Reserve 1 cup of the cooking water, then drain the chickpeas and rinse under cold water. Transfer to a food processor and puree until smooth. With the machine running, add the tahini, olive oil, garlic, lemon juice, cumin, red pepper flakes, paprika, 1 teaspoon salt and the reserved cooking water; puree until smooth and creamy, about 5 minutes.
  5. Transfer the hummus to a bowl, drizzle with olive oil and sprinkle with paprika. Serve with pita bread and vegetables!

The insurance professionals hope that you and your family have a fun and safe Fourth of July! Contact our trusted agents in Las Vegas for all of your Nevada insurance needs.

Should I Choose An Independent Insurance Agent?

Posted on by TheSph3r3

Determining The Best Person To Meet Your Needs

Whether you are just trying to get the legally required amount of auto insurance or are looking for homeowners insurance to cover every facet of your home, determining the right insurance policy can be a bit confusing. You do not want to be left with a gap in coverage, but you also do not want to pay for coverage you do not need. Fortunately, an insurance expert can help you find the right level of coverage for the right price. Here are a few ways an independent insurance agent can serve you.

  • More Options: When you go straight to a major insurance provider to get coverage, you only see the policies they offer. When you shop comparison sites online, however, you get less information about the offered policies. An independent agent can see every policy available from every provider, and will show you those that will meet your specific needs.
  • Better Prices: Similarly, because an independent agent can see all the available policies, he or she is able to shop quotes and show you which policies will maximize your savings. Also, because the agent has industry experience he or she will be able to point out every discount available to you.
  • An Ally: Your independent agent is there to help you understand your coverage and tackle any issues as they arise. Do not be left confused when filing a claim or paying for something you thought your insurance would cover. An independent insurance agent will serve as your advocate and ally.

To work with a dedicated team of independent insurance agents, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. We are committed to getting you the best policy at the best price. Do not be left navigating the world of insurance coverage blindly; call us today for the expert guidance you deserve!

Live in Las Vegas? Life Insurance Is a Must

Posted on by TheSph3r3

If you live in the city of Las Vegas, you’re a prime candidate for life insurance. The high mortality rate in Las Vegas increases the importance of having life insurance to ensure that your family will be provided for in the event of your unexpected death.

Despite the city’s glamorous appeal, Las Vegas can be a dangerous place to live—homicide rates increased by 50% within the first three months of 2013. The large influx of visitors throughout the year contributes to the auto accident mortality rate. In addition, Las Vegas has a 50% higher suicide rate than any other city in the country. Depression is also on the rise due to excessive gambling losses.

These reasons and more make it imperative for residents to protect the future of their families with life insurance coverage. Life insurance offers tangible financial security for loved ones when you pass on. You can have greater peace of mind that your family will be well taken care of after you’re gone.

Life coverage can be personalized to meet your needs and budget, making it a viable financial option. Find out more about life coverage options and plans in Nevada by contacting All Nevada Insurance located in Las Vegas.

Sustain the Life of Your Company With Business Income Insurance

Posted on by TheSph3r3

 

Only one business out of five will recover following a significant loss, such as a natural disaster, fire or flood.  The inability to sustain the operation causes businesses to lose income that would cover payroll and operating expenses.   Business income insurance coverage can make survival possible.  Business owners are wise to follow these pointers.

  • Assess risks – Business locations have identifiable risk factors, such as floods, tornadoes or hurricanes.  In addition, supplier locations have similar risks.  Each situation must be evaluated to determine the ways in which the business must adapt to recover from various situations.
  • Devise continuity plan – Business survival depends on the ability to continue the operation in a temporary location or with another supply chain.  During this time, the business income insurance can supplement the cash flow to provide funds for the operation and payroll.
  • Conduct annual review – During the budget process, the continuity plan must be reviewed and updated to address growth and other changes that happened during the year.  Adjustments to the plan must include updates to the business income insurance policy limits.

For all of your business income insurance needs in Nevada, contact All Nevada Insurance located in Las Vegas.

Two Important Facts About Marriage and Insurance

Posted on by TheSph3r3

All Nevada Insurance policies are slightly different. The coverage generally changes depending on several factors, one of the main ones being marriage. When you get married in Nevada, there are a two important factors you should keep in mind about your insurance coverage. This is true of your life insurance as well as your health and medical insurance.

Discounts

One of the first things you will notice, about most of your insurance coverage, is the discounts. Major insurance providers look at married couples as being more responsible than individuals. This means you will receive discounts and rewards simply for tying the knot. Some of these discounts can save you hundreds of dollars a year depending on current coverage packages and options.

Coverage Increases and Options

Another key change on insurance policies when you get married is the type of coverage options and increases you have. When you get married you will notice you may now have several other packages and full coverage benefits to choose from. Look over these carefully as some may offer much better coverage at your before discount rate.

When you decide to get married meet with your All Nevada Insurance representative for details on what changes you can expect.

Support Heart Disease Awareness Month in February

Posted on by TheSph3r3

During a month of Valentine’s Day, love is in the air. It’s a time to show others you care and to give yourself some love. Support your heart’s health with recognition of Heart Disease Awareness Month through community involvement or individual awareness. Heart disease is the most common killer of women with this disease beginning as early as one’s teen years.

Show your support for Heart Disease Awareness Month by attending or participating in community or regional events in recognition of heart disease. Additionally, you can make small changes in your own lifestyle as a way to reduce the chances that you will suffer from this killer. Choose not to smoke as smoking and secondhand smoke are related to respiratory issues associated with heart disease. Eat healthier foods and cut back on those unhealthy substances including salt, alcohol, saturated fat, trans fat and sugar. Remember to get plenty of physical activity. You should raise your heart rate to a healthy elevation for at least 2 ½ hours every week.

Here at All Nevada Insurance of Nevada we hope that you will be here to celebrate many more Valentine’s Days to come. In order to become a healthier individual, opt for health or life insurance coverage that will grant you the protection you need for paying for heart related doctor’s visits. Contact us today to get started.

Three Ways to Find the Right Insurance for You

Posted on by TheSph3r3

All Nevada insurance companies will offer the same basic coverage. However, there are certain companies that may have more or fewer options depending on certain factors. If all the life, medical, and auto insurance options are confusing you, and you need help finding the right coverage option, then consider these three basic methods to help.

Determine Your Needs

The first and best step to take in order to find the insurance coverage that is right for you, is to determine your needs. List your basic needs and determine which coverage options meet those requirements. Don’t forget to consider how much you can afford as one of your insurance needs.

Reflect on the Insurance

Reflect on the insurance and what you would need in an accident. Think about a basic accident and walk through what coverage options are best for you. List these options and what the best case scenario is for your insurance.

Contact an Insurance Agent

Once you have considered the various options and determined your needs, it’s time to contact the agent. Let your agent know your needs and what you think you will want in case of an accident. They will be able to help you determine the best insurance for your needs.