Women, Listen Up: Everyone Needs Life Insurance
Women today have more lifestyle and career choices than ever before. However, whether a woman is married or single; a stay-at-home mom or climbing the corporate ladder, most are underinsured. Any lifestyle a woman chooses is costly to replace.
For instance, the estimated annual cost to hire someone to cook, clean, and take care of children full-time is $40,000. Although stay-at-home moms often have no income, there is a cost associated with their duties should something happen to them. It’s not an easy subject to talk about, but it is an important one to consider. Many families would not be supported by one income alone with the additional childcare and housekeeping expenses.
Women without children still have reasons to take out a life insurance policy. This policy may take care of burial and funeral expenses, estate taxes and outstanding debts. Whatever the case, the policy can provide valuable assistance to their families as they cope with these costs.
The truth is: life insurance is a necessity. Thankfully, it can be more affordable than you may think. To find the best policy for your personal needs, give us a call. We can answer questions and help you get a quote from Erie Family Life*—one that fits into your budget, and your life. 317-534-5202 Brookson Insurance LLC
Let us discuss your family needs for life insurance today!
Heather Swank
Brookson Insurance LLC
www.brooksoninsurance.com
Heather@brooksoninsurance.com
Thursday, May 19, 2011
Thursday, May 5, 2011
Watch for Scams after a Storm
When storms hit, your home—and life—can be turned upside down. You’re eager to get your home repaired, but be careful: some contractors aren’t really there to help.
Most contractors are reputable business people. But each year, there are a few dishonest ones who chase storms from state to state. They may try to convince you that you have hail or other damage and need a new roof when you really don’t. They’ll ask to be hired for the work, explaining that your insurance company will pay for the repairs.
ERIE HomeProtector polices cover damage caused by hail and windstorms, but they will not cover the cost to replace a roof or siding when no damage has occurred. Since the work these dishonest contractors offer may not be of the highest quality, ERIE also highly recommends that you get a second—even a third—opinion before starting any contract work. It’s not fair to you to have your roof, once in excellent condition, altered so that it is inferior in quality.
What you can do
If you’re beginning to repair or rebuild after a storm, or even if you are just planning a home improvement project, keep these tips, recommended by the Federal Emergency Management Agency, in mind for choosing contractors wisely:
• Get more than one estimate.
• Don’t be pushed into signing a contract right away.
• Get everything in writing. Cost, work to be done, time schedules, guarantees, payment schedules and other expectations should be detailed.
• Check references before deciding which contractor to choose.
• Never sign a contract with blanks.
• Don’t pay a contractor in full until the work is complete.
• Check with county or city licensing authorities to see if the contractor is licensed in your jurisdiction, as well as checking for complaints with their regional Better Business Bureau.
ERIE can help, too
If you need suggestions about who to hire or how to repair your home after a storm, we can help you contact an insurance claims adjuster. Erie Insurance has professional claims adjusters who are trained to assess your property, identify storm damage and prepare an estimate for proper repair. They can also provide recommendations for reliable, licensed contractors in your area—although the final choice of contractor is always yours.
Contact our agency for more information.
Give us a call with any questions you have this storm season!
Heather Swank
Owner / Agent
317-534-5202
http://www.brooksoninsurance.com/
Heather@brooksoninsurance.com
When storms hit, your home—and life—can be turned upside down. You’re eager to get your home repaired, but be careful: some contractors aren’t really there to help.
Most contractors are reputable business people. But each year, there are a few dishonest ones who chase storms from state to state. They may try to convince you that you have hail or other damage and need a new roof when you really don’t. They’ll ask to be hired for the work, explaining that your insurance company will pay for the repairs.
ERIE HomeProtector polices cover damage caused by hail and windstorms, but they will not cover the cost to replace a roof or siding when no damage has occurred. Since the work these dishonest contractors offer may not be of the highest quality, ERIE also highly recommends that you get a second—even a third—opinion before starting any contract work. It’s not fair to you to have your roof, once in excellent condition, altered so that it is inferior in quality.
What you can do
If you’re beginning to repair or rebuild after a storm, or even if you are just planning a home improvement project, keep these tips, recommended by the Federal Emergency Management Agency, in mind for choosing contractors wisely:
• Get more than one estimate.
• Don’t be pushed into signing a contract right away.
• Get everything in writing. Cost, work to be done, time schedules, guarantees, payment schedules and other expectations should be detailed.
• Check references before deciding which contractor to choose.
• Never sign a contract with blanks.
• Don’t pay a contractor in full until the work is complete.
• Check with county or city licensing authorities to see if the contractor is licensed in your jurisdiction, as well as checking for complaints with their regional Better Business Bureau.
ERIE can help, too
If you need suggestions about who to hire or how to repair your home after a storm, we can help you contact an insurance claims adjuster. Erie Insurance has professional claims adjusters who are trained to assess your property, identify storm damage and prepare an estimate for proper repair. They can also provide recommendations for reliable, licensed contractors in your area—although the final choice of contractor is always yours.
Contact our agency for more information.
Give us a call with any questions you have this storm season!
Heather Swank
Owner / Agent
317-534-5202
http://www.brooksoninsurance.com/
Heather@brooksoninsurance.com
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