When you visit Stone Financial Network you can rely on real help from real people and for products and…. If you need anything done on time, do not go to Sherritt and Associates. I dropped off my information to get my return done at the end of Jan and…. The company' service areas comprise business advisory and consulting…. Advertise with Us. Houston Fearer, Ltd. JG We have worked with Jim Houston and team for several years.
Website Contact Us More Info. DH The tax team was great. Directions More Info. Website Directions More Info. If you err low, your family may not receive the help that they need from the insurance company, and if you err the other way, you will be spending more than necessary in insurance premiums.
In order to figure out how much insurance you need, you will need to explore your current household expenses Term insurance is best described as a policy for which you pay over a specific amount of time. In the event that you die within that period of time, your beneficiaries will receive a payoff. People that are under the age of 40 will find this package less costly than a whole life policy.
These policies generally do not build in cash value. However, they can convert over to a whole life policy without a mandatory physical. Term insurance is best described as a policy for which you pay over a specific amount of time The policy which is bought most frequently is the Renewable Term Policy. This policy renews every year without you having to do anything, and there is no need to input any new information or take physicals.
This can continue every year until you are in your 70s. The policy will increase incrementally every year, along with your age. With this life insurance policy, you will have to periodically take physicals for the company to judge your rate of risk. If you don't, you will be subject to paying an extra premium. With this life insurance policy, you will have to periodically take physicals for the company to judge your rate of risk In the Level Term policies, you will be locked into a given rate of premium and you will stay there during a certain period although not necessarily during the entire period of coverage.
In the Level Term policies, you will be locked into a given rate of premium and you will stay there during a certain period A Decreasing policy is one which decreases in face value with time while the premium remains the same. Whole Life is the most traditional policy given; this has a cash-value build up, sometimes offers dividends, and provides death benefits.
This is not a policy that needs to be renewed constantly, as long as the payments are made, the policy will continue until death. This policy is similar to the whole life policy. However, it offers more flexibility in many ways; you will have different options in cash value growth and the payment of premiums. Variable Universal policies will give you the option to choose the investments for your cash value. This is more risky, but simultaneously gives you more control over where this money is invested.
Variable Universal policies will give you the option to choose the investments for your cash value This is the same as the previous in regards to control over the investments that are made. The difference between these two is the same as the difference between Whole Life and Variable. This is the same as the previous in regards to control over the investments that are made Clearly you should always perform a good amount of due diligence when searching for any policy. Be sure to compare the differences in services offered and prices quoted.
There are many discounts available for different things, don't forget to ask if you qualify for any of them. Remember that the deductible will largely affect the price of the premium.
It is a good idea to keep the deductible as high as you feel comfortable with to keep the premium down. You can generally get a better deal when you purchase your auto and house policies from the same company and you can also get a better rate by not insuring the land. Clearly you should always perform a good amount of due diligence when searching for any policy Make sure that you are insured against whatever natural disasters are common in your area, because insurance against these differs.
If you don't specifically ask, you may not be covered. The price of rebuilding your home could differ greatly from the amount that your home is valued at today. Make sure that you are insured against whatever natural disasters are common in your area, because insurance against these differs Make a list of your possessions in your household. The better documented this is the more likely you will be to be able to replace them.
Make sure that you inform your agents of any changes that you make to the home so that if anything happens to the structure, the recent changes will be reflected in the payout. Check to see if there are any specific limits to what is insured by your company. Sometimes a person may think they are covered for certain things, but the limits negate that.
The better documented this is the more likely you will be to be able to replace them It is always a good idea to keep the deductible as high as you are comfortable with. A high deductible will substantially decrease your premium. Do not insure the land, because the land isn't at risk of being demolished in a flood, fire or other natural disaster and you will save on your premium.
It is always a good idea to keep the deductible as high as you are comfortable with Be sure to ask your provider and do the calculations to see if it will be cost efficient. At least once a year, you may want to look over your policy to ensure that it will cover all of the possessions in your home and any additions that you have made over the last 12 months.
With long-term care insurance LTCI , you are guaranteed to be paid a certain amount of money towards care for a specified length of time. As the age of the covered individual increases, so does the premium, so in order to get a better rate, this is something that you may want to purchase earlier in life while the premiums are still low.
Indemnity-type insurance actually distributes the money to the caregivers, and pays the daily benefit directly to the insured party; this type can be easier because there is much less paperwork and more flexibility about how the money can be spent. With long-term care insurance LTCI , you are guaranteed to be paid a certain amount of money towards care for a specified length of time It is important to look at the stability of the company that you are looking into, because they need to be there when you are in your time of need.
Companies who sell long-term insurance may not be as closely regulated as other insurance companies. It is important to look at the stability of the company that you are looking into, because they need to be there when you are in your time of need There are good arguments for and against purchasing this type of insurance, and every person's situation will differ.
Even though Long-Term Care Insurance can be costly up front, it could save you from paying much more in the long run. The home care coverage that is included in the policies could possibly allow you to live independently for more time before having to switch to assisted living. About Houston Fearer Ltd Houston Fearer Ltd is a verified accounting firm, offering accounting and tax preparation services to customers and small business owners located in and around Akron, Ohio.
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