The Haas Agency » life insurance

Aren’t you a bit worried about online insurance quotes?

Timothy J. Haas — Mon, 28 Nov 2011 20:37:57 +0000

There is a better way than wandering aimlessly for online auto insurance quotes and you won’t spend a nickel more than you would, if you had done the quotes all by yourself. You’ll receive the benefit of working with a professional, and you’ll avoid insurance coverage gaps that you seriously might regret after it’s too late.

Consider this approach: Gather your insurance policy documents in one place. You’ll need the declaration pages that show the insurance carrier, the effective dates, automobiles and coverages. You should also gather similar documents for your home, condo, renters or boat policies. Having more policies with one company affords bigger discounts.

Now that you have all the documents you need, call or visit someone that you can trust — your local independent insurance agent. Send your documents to him, and he will provide a competitive proposal that compares your current policy to the proposal. You decide if making a change is worth the little effort required to switch. Tim or Peter will make the transition as smooth as possible, by making sure you don’t pay for coverage you don’t need and dropping the old policy in the most effective way. The team of agents at most independent firms are trained and put their reputation on the line in the communities where they live and work. Haas Insurance Agency offices are located in Newtown, CT and Glastonbury, CT. Don’t hesitate to jump out of the online quoting maze to find out what value a professional can bring, especially when you’ll save as much or more than you could quoting everything alone without any help from someone that shares a mutual interest in your insurance protection at a great rate.

Life Insurance Premium Savings–Connecticut Family Action 6

Paul F. Haas, Jr. — Sun, 25 Jan 2009 16:01:05 +0000

While it is not an area of insurance that people expect that savings are possible there is potential that life insurance premiums can be saved. The can occur because of recent changes in mortality experience and the fact that life insurance carriers can use their own experience insuring healthier people to offer preferred rates.

Considering the competitive marketplace now may be a good time to look at life insurance premiums in order to increase coverage or extend the term for the same price.

Why did this happen? The main reason is the fact that we are all living longer. As life expectancy increases the cost of life insurance goes down. At the turn of the century mortality tables were updated from the 1980 tables and since the data showed an increase in life expectancy life companies updated their premium charges.

The other reason is the fact that most life carriers have created competitive rating bands that reward people if they are in excellent health. Now there are many preferred rating categories in the past people had two options, smoker or non-smoker.

The Haas Agency can help you look at this area of your finances, life insurance premium savings can reap some rewards.

Even a small life insurance policy is better than nothing

Timothy J. Haas — Thu, 18 Dec 2008 09:29:55 +0000

There are more reasons not to buy life insurance than you can count: no time, no money, no plan to die. These are valid reasons. Even though death is not going to happen to you, the consequences of your not being around are too great to ignore.

Start with even the smallest life policy, say $10,000 coverage. It won’t cost much, and you might enjoy the peace of mind.

Call or stop-in and we’ll put a policy together for you with the least possible hassle. We can take an application in as little as twenty minutes. Visit out contact page fo info on how to reach any one of our experts at The Haas Agency.

Does life insurance for children make sense?

Timothy J. Haas — Sun, 07 Dec 2008 23:57:49 +0000

Life insurance for children does make sense for several reasons:

A permanent policy provides cash value that can be borrowed against or withdrawn, if needed
Cash value grows tax free
Cash value in a life policy is not counted by FASFA when determining financial aid for college
Insuring anyone while there healthy is a good idea, because their health condition could change
The unthinkable is possible and having some funds to cover final expenses and bereavement is worth considering
Life insurance is a truly thoughtful and loving gift

Life insurance for children is a good idea worth considering. A permanent policy, like whole or universal life, is the right type of insurance for a child.

Top ten reasons why life insurance is important

Timothy J. Haas — Tue, 11 Nov 2008 20:30:19 +0000

There are countless reasons why people buy life insurance. Here ten really good ones:

Protect the people you love most from catastrophic financial loss of income
Provide child care or elder-care, if the primary caregiver passes away and spouse or other potential caregivers must continue working or are geographically remote
Provide a vehicle to save for education, home purchase or retirement with a reasonable tax free rate of return
Pay final expenses and personal loans that would be otherwise unaffordable
Offset at least a little of the emotional pain from loss of a loved one
Show that you care about your wife and family
Show your community that you behave wisely and responsibly
Allow business partner beneficiaries to buy out economic business interests of a deceased business partner
Entice a highly valued employee to join your company or stay on-board
Protect your loved ones, even when you change jobs or lose employment for a period of time

When you’re ready to explore your life insurance options, please contact The Haas Agency.