Entries by theayresgroup

Life insurance: A tale of three automobiles

People have a variety of needs when purchasing life insurance. Term insurance answers some of those concerns, and permanent insurance addresses others. I always ask clients, “Are you concerned about ‘if you die’ or ‘when you die’?” If you are worried about “if you die,” then you’re probably thinking about what happens to your loved ones […]

Beware of falling televisions

College and professional football season prompts many fans to upgrade their televisions. Where viewing is concerned, bigger is better. But bigger can also be more dangerous, with larger TVs creating unanticipated hazards at home. More than 17,000 children – one every 30 minutes – are treated in emergency rooms across the country for TV-related injuries […]

Earthquakes in the breadbasket? Understand the risk

You probably know the Midwest as the breadbasket of the country, but do you know about its earthquake history? Should that concern you? If you live in the Midwest or the East, scientists and history suggest it should. THE PAST In the early 1800s, three of the most powerful earthquakes in U.S. history hit New […]

Fire danger in the construction zone

Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation. Each year, those fires led to an average of nine […]

Consumer alert: Check your circuit breaker

Millions of Americans may be in danger from defective electrical equipment in their homes, yet may not be aware of the risk. If you reside in a home with electrical circuit breakers and panels installed in the mid-1950s through the early 1980s, have your equipment inspected and replaced, if necessary.   During that period, Federal […]

Life insurance may be cheaper than you think

How much does life insurance cost? Probably a lot less than you think. A recent LIMRA study found that 63 percent of consumers polled indicated that life insurance was too expensive, yet 80 percent of consumers overestimate its cost by nearly threefold. LIMRA is a leading insurance and financial services trade association. Today’s consumers have […]

Replacement cost for your home’s contents

If you want to restore the comforts of your home in the event of a loss, it’s best to choose replacement cost coverage on your household contents. It could be worth hundreds, even thousands of dollars to your family. Most homeowners insurance policies cover personal property for its actual cash value. To cover your contents […]