David A Crotts and Assocs Inc

Insurance: life, health, group, auto, home, business, and investments: self employed insurance, disability, dental, vision, medical supplements. Total senior care, Medicare supplement, home care, nursing home, free claim filing service.

LIFE INSURANCE

What Type of Insurance is Best for You? The choices in life insurance policies are bewildering.
Life insurance needs vary depending on your personal situation. If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may not need life insurance. If your salary is important to supporting your family, paying the mortgage or other recurring bills, or sending your kids to college, life insurance is important to ensure that these financial obligations are covered in the event of your death.

How Much Life Insurance Do I Need?
It's difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle.

BUSINESS INSURANCE

Property insurance protects the assets your business owns, including the building and equipment, from destruction or damage.

Contents insurance protects your business equipment from perils such as fire, flood, or theft. To determine how much property or contents insurance you'll need, create an itemized list of your business' assets and their individual dollar values. Then decide which assets you actually want to insure and for what value, which will determine the insurance premium.

HEALTH INSURANCE

Individual and Family health insurance plans provide long-term protection and comprehensive medical coverage for you and your family. A large selection of health insurance plans. Compare plans and benefits to find the best match for you!

AUTO INSURANCE

Low rates, great service, and exceptional financial strength! Multi-car discounts, and discount for cars with air bags and other safety features

 

Don't let high premiums keep you from getting the health insurance coverage you need. Now there is an affordable health insurance plan available.  Finding affordable health insurance in the US can be very challenging. The requirements for obtaining affordable health insurance polices vary from state to state. We are dedicated to helping you, as a health insurance consumer, find the best possible health insurance.

We can find Flexible plan designs - customized to fit your specific needs and budget.

• Hospital bill review - we will have a third party automatically review your hospital bill for errors and overcharges, which may reduce your out-of-pocket expense
• Freedom to choose any Doctor or Hospital (out of pocket expense may increase on PPO plans where out of network providers are used)
• Family Continuation of Coverage - if the primary insured dies, coverage is continued without premiums for 1 year without any need to prove insurability.

Life insurance is something that almost all people know they really should have?but don?t. Simply stated?people never like thinking about the possibility of their own death. However, many people can get past this uncomfortable thought because of their love for their family and the desire to make sure they are financially secure in the event of some tragic event.  

Life insurance is essentially considered long term financial planning, and the purchase of this insurance permits those who rely on you to continue in your absence without having to suffer a financial crisis. Even if you aren?t considered the earner in the family, the ?stay-at-home? spouse is considered equally as important. In the event of your death as a ?stay-at-home? spouse, all the tasks that you fulfilled will become paid tasks. This means that your spouse will have to pay someone to complete the tasks that you used to do. Whether the breadwinner or the ?stay-at-home? spouse, your spouse?s financial security is important.

You get life insurance by buying a policy (a contract). When you do so, you join a risk sharing group. The company promises to pay, at the time of your death, a sum of money to the person or persons selected by you (the beneficiaries), who are named in the policy. This promise is given in return for your agreement to pay a sum of money (the premium) to the company over a specified period of time.

Here are 10 Rules to Remember When Buying life insurance.

• Understand and know what your life insurance needs are before any purchase, and make sure that the company you choose can meet those needs.
• Buy your life insurance from a company that is licensed in your state.
• Select a life insurance producer who is competent, knowledgeable and trustworthy.
• Shop around and compare life insurance policy costs.
• Buy only the amount of life insurance you need and can afford.
• Ask your life insurance agent about lower premium rates for non-smokers.
• Read your life insurance policy and make sure you understand it.
• Inform your beneficiaries about the kinds and amount of life insurance you own.
• Keep your life insurance policy in a safe place at home and, in addition, keep your life insurance company's name and your policy number in a safe deposit box.
• Check your life insurance coverage periodically or when ever your situation changes, to be sure it meets your current needs.