5 Life Insurance Mistakes to Avoid

Posted on by TheSph3r3
Life Insurance Mistakes Las Vegas NV

Don’t fall into these common traps when selecting your life insurance policy! 

Buying life insurance is one of the most important decisions you’re going to make. As a selfless policy, you will never reap the benefits of life insurance but your family will. You buy life insurance to protect your family from getting caught out financially.

While many think that the first online policy that they see will fit the bill, to select the wrong policy for you can be a costly mistake to make!

Avoid making these common mistakes when it comes to life insurance:

Mistake No. 1: Not doing your research

Not all life insurance policies meet your own specific and unique needs. Avoid picking a policy at random or without examining the fine details.

Mistake No. 2: Waiting too long

Without life insurance, you leave your family vulnerable if something unexpected happens to you. Buying a policy while you’re young and in relatively good health ensures that you get coverage and enjoy lower rates. If you wait until you’re much older to get insurance, the policy premium will be much higher as you are at a higher risk for health issues.

Mistake No. 3: Buying for a short term

You may be trying to save a few dollars by choosing shorter-term coverage. However, should you buy a 5-year policy and you have medical issues six years from now, your insurance rates will certainly spike, if you manage to get coverage at all.

Mistake No. 4: Lying about your health

Cheating the system always ends up backfiring. Never lie about your health or personal information as, ultimately, this will be detrimental to your family when your coverage is disqualified.

Mistake No. 5: Selecting too little

Always buy ten to twelve times your income in life insurance coverage. While this seems excessive, if you’re the primary source of income in your household, your spouse and children will need financial assistance.

Be sure to talk to a life insurance expert when deciding on what coverage works best for your family and budget. Our professionals at All Nevada Insurance are here to help you secure the right policy! Visit us in Las Vegas, Nevada today.

Shopping for a Safe Car? Use These Tips

Posted on by TheSph3r3
Life Insurance Mistakes Las Vegas NV

A car can keep you safe for many years to come. Purchase the right one.

Whether you’re making the most of the end of year sales or buying a car for your new teen driver, you’re likely to shop around at dealerships. When a new car is on your wish list this festive season, you’ll want to keep safety in the forefront of your mind.

Not only do vehicles vary in size and color, but they also differ in safety! There are important safety differences, and some vehicles are more protective than others. Many automakers offer safety features beyond the required federal minimums.

Keep these signs in mind when shopping for a safe car!

  • Size – The laws of physics dictates that larger and heavier cars are safer. While Smart Cars (those tiny cars!) are great for island driving, they could be at risk of complete destruction if they were involved in a freeway crash with SUVs. However, bigger isn’t always better! Big cars guzzle more fuel, are inconvenient to drive, and tend to be more expensive than smaller cars. Aim for the size that you need – not what you want.
  • Performance – High-performance cars can tempt you to drive faster. Before buying your teenager a nifty sports car, you should consider the likelihood of them going above and beyond the speed limit.
  • Structure – Ask the dealer about a car’s safety cage. The crumple zone should be sufficient and the materials used shouldn’t be flexible or cheaply constructed. If the front and rear crush zones are inadequate, the likelihood of severe injuries increases rapidly.
  • Restraint systems – Belts, Airbags, and restraints all work together with a vehicle’s structure to protect passengers in serious crashes. In some cars, there will be a simple belt and passengers and driver airbags. More and more cars are now installing multi-way belts for added protection for children and babies, as well as side airbags. Look for the car with more added restraint systems!
  • Daytime running lights – By having low beam headlights on during the day, the visibility of the car is increased. In turn, a crash is less likely to happen to those with daytime running lights.
  • Anti-lock brakes – These prevent brake lock ups and allow you to keep the car in control!
  • Crashworthiness – See how cars faired up in crash ratings here.

The price of safety doesn’t have to come with a hefty price tag. Once you have secured the ideal, safe car for you and your family, receive a reliable and protective auto insurance policy! Contact the team at All Nevada Insurance in Las Vegas, Nevada for the coverage that you and your vehicle deserve.

Don’t Miss Our MMA Charity Event!

Posted on by TheSph3r3
MMA Charity Event

Join us to fight for our troops with this Operation Knockout MMA Event!

The team at All Nevada Insurance are excited to announce the annual MMA charity event, Round 7: Operation Knockout! This event is part of a 12-bout amateur MMA event, presented by Randy Couture, that benefits the Xtreme Couture GI Foundation.

This event will take place on Saturday, November 19th at the Downtown Las Vegas Events Center! As always, all proceeds with go to Randy Couture’s G.I. Foundation that directly helps wounded soldiers and their families. The G.I. Foundation creates awareness about the suffering that injured veterans go through, raising support and aid for those who need it the most. They help these veterans to get back on their feet and back to civilian life, after giving their all for their country. There are many ways to honor the veterans and wounded soldiers; supporting this foundation is one of them!

Tickets are low as $10, and you get to see a fun fight and listen to D.J. Dezie – all for a charitable cause! Stay up to date with us as we’ll be letting people once they go on sale. In the meantime, please feel free to donate to such a worthy cause by clicking here. Thank you for all your support!

Ready Your Business for Winter Weather

Posted on by TheSph3r3
Winter Business Insurance Las Vegas NV

Take precautions to protect your business from winter weather.

Winter-related damages can affect any business, regardless of the type or size of the commercial property. While Las Vegas, Nevada isn’t known for its ice and snow during winter, the weather can take a turn for the worse. Some of the most common types of problems occur from colder temperatures, rain, wind, and ice. As a business owner, you’ll want to protect your property before the winter hits and the risk of damage increases.

Prepare now to avoid damage later:

When a business can’t function properly, profits are affected. When cold weather damages occur, business owners and managers are left dealing with repairs and downtime, rather than running their business. Taking preventative steps while the weather is warm is ideal!

  • Before the cold weather sets in, drain water from all systems and equipment not needed in winter months. This should include air conditioning units and landscape sprinklers.
  • Inspect the exterior of the building for gaps and seal appropriately to prevent rain and debris from getting inside.
  • Check for repair damages to the roof. Make sure gutters are free from debris and in good condition, and that downspouts are intact and draining in areas away from foot traffic.
  • Trim tree branches and landscape that might come in contact with the building in the event of strong winds.
  • Make sure the heating system has enough fuel for expected conditions and a backup in case of an emergency.
  • Ensure that your heating system is in good working condition for the cooler months!
  • When it rains, be sure that the building’s floors are wiped and kept dry. You could be held liable for damages if an employee or guest slips and falls on the wet floor.
  • Calculate the cost of business interruptions for one week, one month, and six months so you know how to prepare.
  • Review your business insurance policy!

Your business insurance is there to protect your company throughout the entire year, whatever the weather. From liability coverage to business interruption protection, discuss your needs and wants with your insurance agent. The professionals at All Nevada Insurance, serving Las Vegas and neighboring cities, are here to secure the right protection for your business for winter and beyond!

What to Do For Halloween in Las Vegas, NV!

Posted on by TheSph3r3
Halloween in Las Vegas, NV

Fright night is coming up – Have you made plans?

Halloween is a time when children get to enjoy dressing up, trick-or-treating, and collecting candy. Children aren’t the only ones who get to enjoy this frightful night; if you’re in Las Vegas and the surrounding cities in Nevada, you’re in for a real treat (or trick?) this holiday!

Trick or Treating

Downtown Nevada City is a favorite spot for little tricksters to go door-knocking. Broad Stress is a popular area for little ghouls and goblins to get their candy bucket filled to the brim. Houses are dressed up in spider webs and lights and are sure to thrill every parent and accompanying child. The Victorian architecture of the homes and the old deciduous trees of Nevada City are the perfect backdrop for Halloween night!

Fright Night

Fright Night returns on Saturday, October 29th, 2016. This year, the festival features music by Mojo Green, a funk band, and a special guest, Whee the People, an indie soul band. Also, there will be food and drinks available for purchase! With lively music and plenty of dancing, adults can enjoy a costume contest, cash prizes, and Halloween fun! Doors open at 7:30 p.m. and the music begins at 8:30 p.m.

Ghost Tours

The haunted Nevada City historical walking tour explores the stories behind the many colorful ghosts that are said to still reside among us. Nevada City tours depart on Saturday evenings at The Alpha Building at 7:30 p.m. during the month of October. Admission is $10 for adults and $5 for children aged 12 and under. Do you want a private tour? Call 530-265-6877 or email mlyon@hauntedisles.com.

With plenty of fun, Halloween events in Las Vegas, the professionals at All Nevada Insurance hope that you enjoy your fright night! To secure all of your insurance needs in Nevada, visit us today.

What to Do If You Lose Your Health Insurance Through Your Job

Posted on by TheSph3r3
Job Health Insurance Las Vegas NV

Find out your options for gaining health care coverage if your job is no longer an option.

Whether your job is no longer offering health insurance or if you get laid off, you’ll face having to find coverage on your own. As health insurance is essential to maintain your physical and mental health, you shouldn’t suffer a lapse in protection.

If you are terminated from a position, you’ll also be subject to the worries of finding another job, making money without a job, and how you’ll pay the bills in the meantime. For now, it’s important to deal with your health insurance issues so that you aren’t strained for money if you fall ill or injured.

If you lose your job-based health insurance, you have two main options:

Option 1: Get coverage through Health Insurance Marketplace

If you leave your job for any reason and lose your job-based coverage, you may choose to buy a Marketplace plan. Losing job-based coverage is a qualifying life event that allows you to enroll in a plan within a Special Enrollment Period, meaning that you can buy insurance outside of the annual Open Enrollment Period.

Your coverage can take effect as soon as the first day of the month after you lose your insurance.

  • If you apply through the Marketplace, you’ll discover if you qualify for savings on your monthly premium and out-of-pocket health care based on your income.
  • Also, you will learn if you are eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

Option 2: Buy COBRA continuation coverage

You may be able to keep your job-based health plan through COBRA continuation coverage. COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that may let you pay to stay on your previous employee health plan for a limited time once your job ends. This period is typically 18 months.

Even if your insurance was cut off when you were fired, the employer must notify the plan administrator within 30 days that you have been terminated, and then the administrator has another 14 days to send you the notice on how to elect COBRA coverage.

For all of your health insurance needs in Las Vegas, Nevada, contact the experts, All Nevada Insurance, to get started on your plan to suit your needs, budget, and health.

Kicking Cancer Footgolf Charity Fundraiser

Posted on by TheSph3r3
kicking-cancer

Every wonder what would happen if you combined soccer and golf? Here’s your chance to try it out and raise money for a good cause! Join Madison Coomer & Heartfelt Heros to raise awareness and funding for childhood cancer with a fun game of Footgolf – a new game that combines soccer & golf.  Don’t miss out on the fun, and have the chance to meet and take photos with fellow Superheros fighting cancer!

Schedule of Events:
Registration 2:30pm
Shotgun Start at 3pm

Raffle, Dinner, Prizes and More!

$40 per adult  |  $25 per child (under 14)
$30 per adult  |  $20 per child for Early bird registration – register by 10/21

Register here!

Proceeds benefit Madison Coomer & Heartfelt Heroes project: Heroes Fight Cancer – a fundraiser for pediatric cancer        

If you cannot attend but would like to donate please visit: heroesfightcancer.org

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Chimera Golf Club
901 Olivia Parkway
Henderson, NV 89011

Don’t Miss These Pumpkin Patches in Las Vegas, NV

Posted on by TheSph3r3
Pumpkin Patches in Las Vegas, NV

The harvest season is here! Check out these pumpkin patches!

Autumn is here, and it’s time to enjoy the cooler weather, darker nights, and all things pumpkin-spiced! If you’re looking for pumpkin patches, corn mazes, hayrides, and local gourds, fear not, there are plenty of fun Fall things to do near you.

While you pick up a pumpkin to make soup, make it fun for your kids by finding a patch that offers autumn activities! Here are a few local patches to get you and the family into the fall spirit!

The Las Vegas Farm

At The Las Vegas Farm, there are pumpkins for sale, a Fall festival, tractor-pulled hay rides, along with a farmer’s market! The 26th Annual Farm Fall Festival takes place in the last three weekends in October from 9 a.m. to 7 p.m., so don’t miss out! Go to visit the rescued animals as well as sampling tasty treats at the Farmer’s Market.

Moapa Valley Corn Maze

From pumpkin patches, corn mazes, a haunted corn maze, hay rides, horseback riding, and a petting zoo, the Moapa Valley Corn Maze has it all! Bring the little ones for a trick-or-treating event while you pick out your favorite gourd. The 7-acre pumpkin patch along with all other activities are open from October 3rd to November 1st, every Friday through Sunday from noon until 7 p.m. Are you looking for a fun thrill? Their haunted corn maze is a can’t-miss attraction!

Undead Maze

Looking to get your fix of horrors and haunts? Don’t miss the haunted house and undead maze, complete with zombies, clowns, toxic waste, and monsters that lurk behind every corner. As the most affordable haunt in Las Vegas, the 2,000 square feet of twists and turns are certain to thrill even the strongest of souls!

From the professionals at All Nevada Insurance, we hope that you enjoy these local and fun pumpkin patches in the height of the fall season. To secure all of your insurance needs in Las Vegas and neighboring cities in Nevada, visit us today.

Am I Covered If I Drive Someone Else’s Vehicle?

Posted on by TheSph3r3
Drive Another Vehicle Auto Insurance Las Vegas NV

Borrowing someone else’s car for the day? Know if you’re protected!

Occasionally, you may need to borrow your friend or neighbor’s car to run an errand, go to work, or soberly drive your tipsy friend home. Before getting into the driver’s seat, consider the impact of driving unprotected. You should know if you’re protected if you drive someone else’s vehicle.

Here are a few things to consider before you borrow a friend’s car!

How often do you use the vehicle? If you only borrow your friend’s car once a month, most likely your friend’s policy will cover you when you drive the vehicle. An auto policy will define who it covers. An “insured person” may include “any individual with respect to an accident arising out of that person’s use of a covered auto with the permission of you or a relative.” Under this definition, if someone else gives you permission to drive his vehicle, you’re covered by his insurance policy.

How long do you borrow the car? If you use the car for a day or two, it’s most likely not considered regular and frequent use. However, if you borrow the vehicle for several weeks, you may not be covered by his auto policy. If you are a regular driver of his car, you should consider adding yourself to your friend’s insurance policy!

What is the purpose of using the car? If you’re using the car to conduct business, like delivering pizza or hauling equipment for a landscaping business, you’ll need to make sure the vehicle is covered under a commercial auto insurance policy. Personal auto policies typically don’t cover anyone for conducting business with their vehicles!

Be sure to check what and who is covered before you drive someone else’s vehicle! Visit the professionals at All Nevada Insurance for the secure auto insurance coverage to suit you and your vehicle in Las Vegas, Nevada.

Beat Work Stress with These Tips

Posted on by TheSph3r3
Work Stress Las Vegas NV

Beat the work blues once and for all with these tips.

Do you find yourself working 10-hour days? Are you burning the midnight oil, long after all of your co-workers have headed home? Whether you’re putting in more hours each day or deal with a highly stressful job, you may be feeling more pressure than pleasure. As stress can be the cause of many health issues, such as depression, high blood pressure, weight gain or loss, acne, and heart disease, it’s important to have as little stress as possible.

Don’t let stress get in the way of your successful career!

  • Get enough sleep – Sleep is essential for us to perform to our best ability. Lack of sleep reduces our cognitive function, weakens our memory, and makes us irritable – not ideal for the workplace! Get your 8 hours of sleep each night.
  • Eat well – If we eat unhealthily, we’ll feel it. Be sure to eat balanced and regular meals, exercise often, and drink plenty of water. Avoid processed foods, caffeine, and eat plenty of fruit and vegetables. Your body (and mind!) will benefit from this.
  • Make compromises – While you may want to impress your boss by picking up the slack, taking on too much work can be a recipe for disaster. Learn to say ‘no’ when you become overwhelmed with work.
  • Get organized – Whether you have a calendar, a To-Do list for the day, or a checklist for the week, getting organized will mean that you’re properly equipped and mentally prepared for the work ahead.
  • Take breaks – Even though you have a lot to get done, remember to take breaks. We work best in increments of time, rather than working a full 8-hour straight day.
  • Make time for yourself – Even if it’s time where you plan to do nothing, it’s important to make time for some rest, relaxation, and quality family time!

Reducing your stress will ensure that you can lead a healthy and happy life! From the insurance professionals at All Nevada Insurance, we hope that you take the time to lighten your load. Visit us for the insurance policies to protect your finances and assets in Las Vegas, Nevada.