Reasons you should update your life insurance

Life insurance is something everyone should have. It offers much more than just a death benefit.

As time passes, your situation in life changes, often requiring you to reassess the amount and type of life insurance you have and need. Our experienced team at Highpoint Insurance Group in Dadeville, AL is always here to share their knowledge and help you find what you are looking for. Our experts recommend purchasing life insurance when you are young because this is when the rates will be the most favorable.

Buying a home

Buying a home is the single biggest purchase most people make in their lifetime. A mortgage is a new debt that stays with you for many years to come. You will purchase home insurance to protect the house, but covering the mortgage with life insurance will keep your family from having to worry about paying it. 

Getting married

When you get married, you add another person to your life. You need to update the beneficiary on your policy to include your new spouse. You may want to add additional coverage to be sure they will be taken care of for at least a short time after your passing. 

Having children

Once you have children, it changes everything about your life. One spouse may decide to stay home to care for the children, and your income becomes even more important. Adding enough coverage to make sure your family can continue to thrive is crucial.

These are just a few of the reasons you may want to update your life insurance. You should talk to your agent every year or so to make sure you are adequately covered. Give the office of Highpoint Insurance Group in Dadeville, AL a call to talk about your life insurance needs. We will be happy to get you a quote.

Should I Get Umbrella Insurance?

One form of insurance coverage you may not have but should consider is umbrella insurance. Umbrella insurance isn’t a policy that simply covers one thing. It is used to cover a number of items you own (everything under the umbrella). But is this kind of coverage right for you? Ultimately you will need to decide, but our staff here at HighPointe Insurance Services LLC is here to assist you with this. When you live in or around Overland Park, KS or staff is here to help answer and address all the umbrella insurance questions you might have. 

Umbrella Insurance Coverage

Umbrella insurance is designed to provide you with additional liability protection over what you own. This covers your home, boat, car, RV, and other items you might own. It can also go for the additional drivers who might be behind the wheel of your vehicle. If you have valuable items or you might be the target for potential lawsuits you will want to look into umbrella coverage. Additionally, if you have a younger driver you may want to consider umbrella insurance as well. You will want to make sure both they are you are protected, so in the event of an accident you will have the additional liability coverage. 

You can adjust the kind of umbrella insurance you have and alter it to fit your needs. This way, if you are looking for a specific policy value you likely can find it. 

Insurance Coverage You Need

If you believe you might need umbrella insurance our staff here at HighPointe Insurance Services LLC is ready and waiting to help. Or, if you have additional questions as you’re not fully sure if it is right for you we can answer those questions as well. Whatever questions you might have we want to address them. So, if you call greater Overland Park, KS home and are curious about umbrella insurance and what it can offer, our staff is just a single phone call away.