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Is the Foundation of Your Financial Home Solid?

by Terri Hawkins

 

If you had a medical situation keeping you from work, how long could you pay your bills or stay on track for your long-term goals? Medical insurance helps pay the medical bills, but how would you deal with lost income and all of your other bills?

Savings, investments, and even your estate plans are important “floors” and “roofs” for your financial home—but these can easily tumble if you haven’t considered how to protect your income in the event of an accident or illness.

Disability Insurance is a foundational component of solid financial planning, according to Diana Tate, District Sales Coordinator with Aflac. Aflac knows people have bills to pay. So in the event of a medical incident, claims are typically paid within 3-4 days, keeping policyholders on track financially.

One of the biggest wins for people with Aflac protection is that money is paid directly to the policyholders. In other words, Aflac doesn’t coordinate benefits from any other provider. Read: every policyholder gets all the money they are entitled to per their Aflac policy–and it doesn’t matter what medical policy does or doesn’t pay.

Aflac is also a budget friendly option—both for employers and the policyholders. Businesses don’t pay for their employees’ supplemental insurance, but they do help individuals achieve lower rates as part of their company’s group. Also, Aflac clients don’t have to worry about changing costs, as the rates never increase.

Introduce your friends and business owners to Diana for Aflac‘s affordable protection.

 

Did you know 60% of Americans don’t have a financial plan to handle the unexpected? Aflac provides a solid foundation for your financial home, freeing you to spend your energies on important physical and emotional needs in the event of unexpected, challenging times.

Are You Over or Underinsured?

Being over or under insured is one of the biggest issues that insurance providers see, according to Shelby Kernodle with Farm Bureau Insurance.

You should have your insurance policies reviewed every 3-5 years to be sure you are properly covered. An insurance agent can help you calculate the replacement cost of your home and its contents–your personal property. Typically, your policy should cover the following items:

  • Dwelling
  • Other structures
  • Personal Property
  • Loss of Use

Shelby provides great rates for home, auto, health, and life insurance for her clients. She’ll do a free review of your insurance policies. PLUS, if she can save you money, she’ll let you know. And if you’re getting a great rate currently, then she’ll let you know that, too!

  • Great referrals for Shelby include people who:
  • Have received a Consent to Rate letter
  • Need an insurance review
  • Don’t know their agent
  • Own a vehicle

Contact Shelby Kernodle today to find out if you’ve got the right coverage and you’re getting the best rate.