Biloxi Insurance


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Work policies arent always the best deal.		Select the right length of coverage. Everyone
Work policies are often based on a composite profile of		has different needs, and not one size fits all when it
the employees you work with, many of whom may be less		comes to term life insurance. While it may make sense
healthy than you, or have other underwriting factors that		for people in their 30s and 40s to secure a 20-year term
might drive up rates. These type of policies also expire		length, a 10-year term might be more appropriate for
if/when you leave the company. Inexpensive term life		someone nearing retirement. People who are trying to
insurance polices that cover your dependents until they		quit smoking, for example, might be best suited
can live comfortably on their own are often a better		purchasing a shorter term (and then replacing it with a
alternative.		longer term policy when they qualify for non-tobacco
		prices). Lastly, individuals who have 30-year mortgages
Review your policy often. Do a review of your		might want to consider a 30-year term to ensure that the
life insurance policy a minimum of every three years, if		house is protected throughout the period of the loan.
not more often. Rates may be lower, and your
circumstances may have changed, necessitating more or		Your half birthday could be costly. While
less protection. If you are replacing a policy, make sure		some companies raise their prices based on your actual
you allow enough time to get your new policy in place so		age, most companies increase the price of their policies
coverages wont overlap or lapse.		six months before your birthday. Its a term called Age
		Nearest in the industry, and that half-year price
		increase could really add up over a 20-year term policy.


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Driving a standard family sedan is considerably less risky		General liability insurance covers injuries/deaths and
than driving a flashy sports car. Your insurance rate not		property damage resulting from an accident. This is the
only reflects you as a driver, but also what you drive.		most important coverage and is commonly required by
When shopping for a car, keep in mind the insurance		law in many states. Each state has its own
premium you'll likely pay. Financing a car almost always		minimum liability requirement. Some insurance
requires you to purchase collision/ comprehensive		companies offer "split-limit" coverage (each
coverage to protect your financer's investment. If you are		part of the coverage is split into its own limit, i.e. $15,000
leasing a car, your finance company or bank may		max. per person injured, $5,000 for property, etc.) while
require the maximum insurance coverage as a whole to		others offer "combined single limit" (the entire
protect their property, since the car is technically not		combined coverage for bodily and physical damages
yours anyway. Contact your insurance agent or your		under one limit, i.e. $100,000 total).
car's financier for more information.

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