life insurance Archives - Moser Group Insurance

22 Jun 2017

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Stay Healthy and Save on Your Life Insurance When You Avoid These Foods

Avoid eating these foods to keep your blood pressure under control so you can save on insurance.

When it comes to protecting your family, it’s important that you invest in the right security. Life insurance is a vital component in your financial planning. If something should happen to you, life insurance gives your loved ones the resources that they need to get back on their feet. However, your life insurance rates are determined based on your health. The healthier you are, the lower your rates. Help to keep your health in check, especially when it comes to your blood pressure, so that you can save on your insurance. Check out these foods to avoid so that you can keep your heart healthy and so that you can save on your life insurance coverage.

Foods to Eat in Moderation:

When you eat foods that are high in salt, sugar, and fat, you increase the risk of all sorts of diseases. Since your blood pressure is used as a measure of health when purchasing life insurance, ensure that you keep your blood pressure under control. The average blood pressure is 120/80. However, often your insurance carrier gives you a little wiggle room. Eat plenty of fruits and vegetables, and check out these foods to avoid to keep your heart and blood pressure healthy.

Processed Food. Foods that come prepackaged require lots of sodium to help preserve the food. Eating such foods increases your sodium intake, which in turn can raise your blood pressure.
Fast Food. A trip to your local drive-through may be costing you money in the long run. Full of sodium and fat, fast foods are not great for your heart. In fact, they may increase your blood pressure.

Ensure that you help to protect your health so that you can save on your life insurance premiums. Invest in the right coverage so that you’re well protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

25 May 2017

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Find Out What You Need to Know About Life Insurance for Millennials with These Tips

Check out these life insurance tips for millennials to best plan for the future.

Good money management is a must, especially for millennials who are just starting out. From savings to investments to retirement funds, it’s important that you think about your financial future. However, it’s also important that you have the tools that you need to protect your loved ones. That’s where life insurance comes in. As a millennial, you often don’t think about life insurance, however, it’s an important step in your financial planning. Check out what you need to know about life insurance for millennials with these tips.

Protecting Your Family.

Whether you’ve just gotten married or you’re expecting a baby, it’s important that you take good care of your family. While you’re young and healthy, life is unpredictable. If the unthinkable should happen to you, your family needs the right resources to get back on their feet. Life insurance provides the necessary coverage for your family. If you have any dependents, it’s important that you invest in the right coverage so that you can rest easy knowing that your loved ones are well cared for.

Protecting Your Business.

As a millennial, your career is important to you. If you own your own business, it’s important that you take good care of it. If something should happen to you, all your hard work is at risk. Help to keep your business up and running with the right life insurance. That way your business partners have the financial resources that they need to keep your business afloat after a loss. It’s an investment in protecting the future of your company.

When it comes to planning for your future, ensure that you consider all your options. Find out why life insurance is a must when protecting your family. Ensure that you invest in the right life insurance for your needs. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

13 Apr 2017

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Find Out All About Life Insurance so You Can Keep Your Family Secure

Learn about the life insurance basics so that you can best protect your family.

When it comes to protecting your family from disaster, it’s important that you have the tools that you need to keep them safe. Should something happen to you, you need to know that your family has the monetary resources that they need. Life insurance helps to assist in your family’s financial planning. However, life insurance is a complex investment. Find out what you need to know about the life insurance basics with these tips.

Types of Life Insurance.

When it comes to choosing the right life insurance policy, it’s important to explore your options. There are two main options when it comes to choosing a policy: term and whole. A term policy offers coverage for a set period of time whereas a whole insurance policy gives lifetime coverage and builds cash value. However, term policies tend to be more affordable while whole policies tend to be more expensive.

Coverage Limits.

When it comes to choosing a policy, it’s important that you determine how much coverage that you’ll need. Start by determining how your family will use the policy benefits. Whether it’s to supplement lost income or pay for funeral costs, calculate how much you need. Start by looking at your income and savings and comparing it to your expenditures and debts. Then you can better calculate how much coverage you need for your family.

Why Buy Life Insurance.

Life insurance is an important part of your family’s financial planning. It helps to give your family the protection that they need and give you peace of mind.

Find out what you need to know about the life insurance basics so that you stay well protected. Get the right life insurance coverage for your family. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

09 Mar 2017

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Protect Your Kids with the Right Life Insurance as a Single Parent

Life insurance tips for single parents.

As a single parent, you know how hard it is to raise your kids on your own. Balancing work life and home life is a careful balancing act, but when it comes down to it, your child comes first. You’d do anything to protect your child. However, if something were to suddenly happen to you, it’s important that your child would have the right tools to survive. Plan for the future with the right life insurance. Get the right coverage as a single parent with these tips.

Choosing a Guardian Isn’t Enough.

You may have thought about what would happen to your child should you suddenly pass away. You’d want close friends and family to love and raise your child. You may have even designated a guardian in your will. However, asking someone to look after your child isn’t enough. Even though your loved ones have the best intentions, raising a child is expensive. Help to give your loved ones the tools they need to raise your child with the right life insurance. That way you needn’t worry about your child’s future.

Choosing a Policy Can Be Affordable.

There’s a common misconception that life insurance is too expensive to fit your budget. However, coverage is more affordable than you may have thought. Some life insurance policies are expensive, but a term policy can give you the appropriate coverage. It’s the perfect coverage option for single parents on a budget. That way you’re best able to take care of your child even after you’re gone.

As a single parent, it’s important that you plan for your child’s future, starting with the right life insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

09 Feb 2017

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All About Why Life Insurance is a Necessary Component of Your Financial Planning

Find out why life insurance is necessary for your loved ones.

Everyone has financial responsibilities. From mortgages to student loans, it’s important to think about what will happen to your loved ones after you’re gone. Insurance provides the necessary resources to help your family get back on their feet financially. However, spending money on a something that you will never see, may make you question whether life insurance is really necessary. Learn why life insurance is a must in your financial planning.

Taking Care of Debts.

You may not have to worry about your debts after you pass, but your family does. Often, debt is passed on to families, who then become responsible for them. A life insurance policy can help to give your loved ones the finances that they need to tackle your debts.

Paying for End-of-Life Costs.

Life is unpredictable. You may pass suddenly, or you may suffer health complications. Sometimes your loved ones are left with expensive medical bills that must be paid after you’ve passed. Additionally, funeral expenses aren’t cheap. Life insurance can give the necessary funds to help settle all your end-of-life costs.

Giving Your Family Stability.

When you pass, your family likely loses an income. Life insurance can help to offset living expenses until your family can get back on their feet. Choose a policy that can replace your income for at least a year so that your family has the right stability. Additionally, don’t count out non-working spouses. Child care and home maintenance expenses can add up, and life insurance can help to offset these costs.

Give your family the financial protection that they need with the right life insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

19 Jan 2017

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Be Smart About Your Coverage and Check Out How to Get the Right Life Insurance Coverage

Learn how to get the right life insurance coverage for your needs.

Life insurance is an important safeguard when it comes to your family’s financial planning. You need life insurance so that your loved ones have access to the resources that they need even after you’re gone. However, buying life insurance isn’t an easy process. With so many coverage options and different types of policies, it can be dizzying to try and choose a policy. Check out what you need to know about how to be smart about choosing your life insurance policy.

Determine Your Coverage Needs.

Purchasing life insurance is a great way to help give your family the money that they need to get back on their feet or to pay off your estate taxes. However, it’s important to choose a policy that gives you just enough coverage. Too little coverage and your family may struggle. Too much coverage and you waste funds that you could be using for other fiscal endeavors. Think about your financial situation and how your loved ones would fair without you. Then make your coverage needs accordingly.

Do the Math.

While determining how much coverage you need for your family, use math. Look at your income, savings, and investments along with your debts, mortgage, and expenditures. Compare the two so that you know how much your family needs to help settle any debts and take care of themselves until they can get back on their feet.

Pick a Policy Type.

There are multiple types of policies to choose from. When deciding on a life insurance policy, ensure that you choose the right policy type for your needs. A term policy gives you more flexibility and tends to be more affordable. However, they’re only valid for a set term. A whole policy gives you lifelong coverage. However, they tend to be more expensive. Weigh your needs so that you can choose the best policy.

Once you determine your needs, proceed to invest in the right life insurance for you loved ones. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

26 May 2016

Archive, General Articles, LIfestyle, Uncategorized mosergroup 0 comment

Having a Memorial Day Barbecue? Stay Safe with These Grilling Safety Tips

Here are some grilling safety tips so that you can enjoy your Memorial Day barbecue!

Memorial Day is coming up. Enjoy the long weekend with a festive barbecue. But, before you start grilling, brush up on your grilling safety. Barbecues can be extremely dangerous. In fact, they account for thousands of insurance every year. Stay safe and find out how to avoid any grilling accidents.

Don’t grill indoors. Barbecues can release toxic chemical gases into the air. When you grill indoors or in poorly ventilated spaces, you increase your risk of disaster. Avoid carbon monoxide poisoning and always grill outside.
Keep the barbecue away from anything flammable. Your home, your patio furniture, your garage, and your vegetation are all flammable materials. Move your barbecue so that it’s at least ten feet away from flammable items.
Grease is not your friend. When you grill meat on a barbecue, it drips fat and grease which builds up and can lead to a fire. Don’t put too many items on the grill and clean the grill before and after each use to reduce your risk of starting a grease fire.
Stay near the barbecue while it’s in use. Leaving the grill unattended is extremely dangerous. It only takes a few seconds for a fire to break out. And it’s important to keep curious kids and pets away from the barbecue.
Keep a fire extinguisher handy. If the flames do get out of hand, a fire extinguish can be a big help. However, at the first sight of flames, call the fire department and safely evacuate the area to prevent any injuries.

Keep your backyard barbecue safe from any grilling disasters. For added peace of mind, protect your home from fire damage with homeowners insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff help you meet all your personal and commercial insurance needs.