Consumer Alerts

	Why Should I Buy Life Insurance? Article from The VML Voice: First Quarter Newsletter 1. Income Replacement: If dependents rely on you financially, life insurance coverage can replace lost income at time of death. 2. Final Expenses: Life insurance can cover funeral and burial costs and any outstanding medical expenses. 3. Savings Vehicle: Various types of life insurance policies accumulate cash value that can be borrowed upon or partially surrendered at the owner’s request. 4. Create inheritance for heirs: Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

Winter Tips
1. Change the filter in your furnace monthly to keep your furnace running efficiently.

2. Check the batteries in your carbon monoxide detectors - closed windows & doors prohibit ventilation during the winter months.

3. Keep chimneys clear of debris and buildup and get them inspected annually.

4. SLOW DOWN! Drive slower on snowy & icy roads. Also, give yourself some extra stopping distance.

5. Watch for ice build-up on your roof. Heavy snow & ice on your roof could cause it to collapse.

To Buy or Not To Buy: Rental Collision Damage Waiver.
If you are thinking about renting an automobile on your next vacation, don’t miss out on coverage that could benefit you in the event of a loss. read more

The Truth About Insurance Scores

Insurers have long used statistics to determine premiums. That’s how they figured out that drivers under age 25 have more accidents than older drivers. But did you know that your credit history is a statistic that the insurance company is utilizing? read more

Don't Get Caught Out In The Rain

A personal umbrella liability policy can provide an additional layer of liability coverage - read more