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Homeowner’s coverage doesn’t have to be difficult to understand. A basic Tomorrow Homeowners Insurance Policy will cover the following:
The structure of your home
Personal possessions (up to a set limit)
Living expenses in case of a disaster
You can also add supplemental policies such as:
Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
Umbrella policies (additional liability)
The insurance protection you need when you’re on the move:
Motorcycle Insurance – Ride safe and insure your motorcycle.
ATV and Motorsport Insurance – Insurance policies that cover all your toys.
Classic Car Insurance – Your classic car is an icon. Insure it well.
RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
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Mega Insurance Agency #2
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.
Don’t leave the future of you and your loved ones to chance. Mega Insurance Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.
Term Life Insurance- Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 30-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
Universal Life Insurance- Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Whole Life Insurance- Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
Insurance Death Benefit- When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits- The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.