Discussing an important topic such as insurance brings me great joy. Having the opportunity to assist people with managing and tackling everyday risks is of great priority to me. I have had the pleasure of working for Chris Nickas State Farm Insurance Agency for the past seventeen years. The State Farm mission is “to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams” which has become my core model in providing the best customer experience possible.
Life insurance can give you confidence and peace of mind, in knowing that your family will be taken care of if you die unexpectedly. Most people understand the main benefit of life insurance: it provides financial security to your family after you die. Generally, the more insurance you have, the more benefits it can provide. However, there are other reasons to invest in this important coverage.
You have an opportunity to leave an important legacy when you purchase life insurance for the purpose of making a contribution to a charity or a worthy cause. Benefits can be provided to the charity of your choice after you pass away. This ensures that your philanthropic goals will continue to be met after your death.
Life insurance can provide tax advantages because death benefit payouts are usually tax-free. It can also be used to cover your final expenses, such as funeral costs or unpaid medical bills. Another important benefit relates to income replacement, as your beneficiaries can use the money to cover essential expenses, such as mortgage payments. Your life insurance can help cover college tuition or pay off a car and home loans.
Your home may be the costliest investment you’ll make in your lifetime, so it makes sense to protect it with insurance. Property insurance can offer protection against liability, as even minor accidents can potentially become costly incidents. The main benefit of property insurance is coverage against property damage or loss. Natural disasters and weather-related events can occur no matter where you are located. Your home may also be vulnerable to fires, burglary, or sinkholes. A lesser-known benefit of property insurance may be covered against power outages, which can cause serious damage to your property.
Ultimately, “Go fund me” or other fundraising opportunities will never be sufficient to provide adequate protection for you or your family. I encourage everyone to visit and revisit group or outside benefits, as there is no such thing as enough or full coverage.
There is no greater feeling being able to handle a claim situation knowing that the coverage provided is assisting a family recover from the unexpected. For assistance with questions for possible purchase, I am a licensed representative under the Chris Nickas Agency in Florida.
Email Bianca - Bianca@nickasagency.com