Restaurant and Bar Insurance

Every restaurant is unique. Therefore, the insurance program protecting each establishment should be unique, too.

Renters Insurance that protects valuables

People who rent typically have more valuable items that need coverage than they think. Have you taken an inventory recently?

Homeowners Insurance Coverage

Many California homeowners find themselves being dropped from their homeowner’s insurance carriers or their coverage rates are skyrocketing.

Insuring California’s Drivers

Accidents happen. Even the safest drivers can get into trouble on the unpredictable California roads.

Business Insurance Experts

Business is unpredictable. Buying California business insurance shouldn’t be.

Tuesday, April 23, 2013

Health Insurance in Costa Mesa, California

Can we help you find affordable healthinsurance in Costa Mesa, California? Health insurance can seem expensive but like any other type of insurance there are ways to keep the cost down. Naturally, shopping around will save you money, and we can do that for you – but choosing an appropriate plan can result in savings to.

If your budget is a little tight at the moment but you need private health insurance, it can help to really narrow down the type of coverage you need. If you’re looking for an individual health plan, ask yourself a few questions about your lifestyle. Are you young and healthy, or approaching an age where some health issues are more likely to emerge? Do you have a sedate lifestyle or do you scale mountains and go dirt bike riding at every opportunity?

Of course, it’s unwise to base your selection solely on cost. There are a couple of other factors that should be taken into consideration. Do you have a doctor or specialist you prefer to visit? If so, you’ll want to check that any plan you’re considering will cover visits to the medical professionals you prefer to use.

Another factor is the reputation of the insurer. Do they come recommended by anyone you know? Have they had numerous complaints lodged about their services?

Health insurance plans can be confusing. If you’d like some guidance with your choice, speak to an agent at The ExcelSure today! We can help you with all of your health insurance needs!

Wednesday, April 3, 2013

What is Term Life Insurance?

Term life insurance is an insurance policy taken out to provide a death benefit to a particular person in the event of your unexpected death. Rather than covering your whole life, you nominate a time period – for example, ten or twenty years. If you were to pass away within that period, the benefit would be paid.

Why would anyone do this instead of taking out whole life insurance? Many people don’t think about life insurance when they’re young and the cost of life insurance policies increase as you get older and pose a greater risk for insurers. Term life insurance can be ideal if you want to protect your family from financial difficulties in the event of your unexpected death.

Some insurers allow you to have a renewal option without having to provide evidence of your good health, so it’s worth thinking ahead and looking for a policy that has a renew option. You won’t get the renewed policy for the same price – as you’ll be older – but being able to renew it for a further period could be a substantial benefit.

Another benefit of term life insurance is that because the policy period is limited, you can insure for a large amount at a relatively low price.

If you’d like to discuss a term life policy with us, we’d be happy to answer any questions you have. Contact one of our helpful representatives today for a competitive quote.