The Importance Of Preventive Healthcare

When was the last time you visited a doctor?

Chances are that your last doctor’s visit was made out of necessity, not on the basis of preventive care. If you’re sick, you’re forced to seek medical attention. However, with regular guidance and checkups from your health team in Richardson, TX, you may actually be able to decrease the chances of illness in your life. Health insurance through the Allegiance Insurance Agency can provide more opportunities for preventive care. Here’s why this is important.

Physicals And Vaccinations

If their children attend public school, most parents have to take their kids to the doctor for good visits and annual physicals. But adults need this type of health maintenance as well. About 50 percent of Americans don’t take preventive measures such as annual physicals and age-appropriate medical testing such as mammograms.

This trend contributes to the rise in long-term illnesses and fatal diseases such as hypertension and cancer. Regular doctors visits can reduce the risk of progression for these diseases because physicals are designed to catch them before they develop. Although you cannot stop all diseases from attacking your body, frequent visits with a health professional can stop them in their tracks early on. If you are in the beginning stages of a disease, treatment is much less invasive and much more effective.

Healthy Lifestyle Guidance And Management

Did you know that health education goes a long way in terms of preventive care?

If you don’t know how your lifestyle choices or diet are impacting your health, you are less likely to alter them. On the other hand, if you are guided and educated about healthy choices and the reasoning behind them, you are more likely to take them into consideration.

Eating healthy foods, staying active on a regular basis and not smoking are just a few choices that can drastically improve your health. They also require a lot of self-discipline. If you create healthy goals based on helpful, up-to-date information, that discipline gets a little easier to maintain.

Overall, preventive health care can help you lead a more productive, less painful, fuller and longer life. Don’t wait to get sick in order to see a doctor in Richardson, TX. Contact an agent at the Allegiance Insurance Agency to find a healthcare policy that works well for you. then, take your preventive care into your own hands.

 

Five Typical Boat Insurance Requirements By Marinas

Marinas usually welcome boats of varying sizes and have plenty of families, group and individual activities that can keep you busy all day.

Marinas also have rules you must follow if you want to be a member, which vary depending upon marina. Some of the boat docking regulations concern insurance and marinas typically have these five requirements.

  1. Coverage for another vessel in case of a crash – If you bump into someone else’s boat at the dock or have a crash in the water, you may need to have coverage for that just in case.
  2. The inclusion of payments to a marina for property damage — The dock might be another item besides someone else’s boat that is damaged during a collision. The marina probably will expect you to be able to pay for this.
  3. A minimum amount of coverage – In addition to items covered, you might be presented with a specific minimum amount of money that your policy would pay. Your Allegiance Insurance Agency representative can help you decide what amount this should be.
  4. Adherence to rules to keep docking costs from rising – Your insurance, as well as the marina’s insurance, is less likely to raise if you heed all safety precautions offered to you.
  5. Proof of insurance –Some marinas might ask you for your insurance certificate before you can register with them. Have it with you in case they ask for it.

Some marinas might also require that you have coverage for injuries to other people as well. Make sure you ask a representative at the place where you want to keep your boat for more information.

The kind of policy you need may also depend on whether or not you store your boat at the dock for the winter. If you have any insurance questions, please contact your Richardson, TX agent today. Allegiance Insurance is happy to help you anytime.

What Types of Businesses Need Commercial Insurance?

So you’ve just started a small business and are wondering if you need to buy a commercial insurance policy. Or maybe you’ve been sneaking by without a policy and are unsure about whether you need one or not. Allegiance Insurance Agency is here to help business owners in and around Richardson, TX make sense of the commercial insurance world.

If you have any type of business and you are trying to go without commercial insurance, you’re making a big mistake. Commercial insurance can cover things such as property damage, injury, theft, liability, and even business interruption. It can be easy to think that you don’t need commercial insurance if you don’t have any employees or you run your business from home, but that could not be further from the truth. What if your home (your place of business) catches on fire and you need to take a break from your business to get back on your feet? Or what if someone breaks into your studio office and steals all your supplies? Although unfortunate, both of these situations would be much easier to navigate with commercial insurance. In short, the answer to the question of what types of businesses need commercial insurance is every type.

You never know what could happen and when thinking about insurance, you need to plan for the worst. If you’re in the Richardson, TX area and you own a business, talk to an agent at Allegiance Insurance Agency to get started with commercial insurance. Hopefully, the only other time you’ll need to talk to us again will be to expand your policy as your business expands. We hope you never need to make a claim, but if you do, we’ll be here for you.

Should You Keep Your Life Insurance as You Grow Older?

When you were first starting out in life, you were responsible and took out life insurance. After all, who knows if a sudden mishap or illness would take your life and leave your spouse and children alone to fend for themselves? That policy gave you peace of mind that your loved ones would be taken care of if, by chance, you were suddenly no longer there to do that service for them.

Now you’ve gotten a little older. Your kids are grown and have families of their own. You have accumulated a little nest egg. The question that occurs to you, therefore, is whether you still need life insurance.

The short answer that Allegiance Insurance Agency, serving Richardson, TX gives is an emphatic yes.  

The truth is that even at your age you are going to have some final expenses that will have to be paid by your heirs once you are no longer here. If you are taken by an illness such as cancer, you will doubtless have medical expenses that aren’t covered by insurance. You will also have burial costs, which can be expensive depending on how you would like to be memorialized and what your plot looks like. An insurance policy can cover other kinds of debt as well.

Finally, a good insurance policy can augment your spouse’s net worth as he or she begins the journey of life without you. Your spouse will surely have things to pay for, such as long-term care that life insurance can help to cover. You will both have peace of mind that these matters will be taken care of before you pass on.

If you have any questions concerning life insurance, feel free to contact Allegiance Insurance Agency, serving Richardson, TX.

Does It Matter Which Company Underwrites My Insurance Policy?

As you shop for insurance in Richardson, TX, it’s important to look at who is the underwriter. While there are plenty of companies that will provide policies in Texas, it does matter.

Financial Integrity

One of the first reasons to care about your underwriter is due to financial integrity. Some insurance companies have a better financial outlook. You don’t want to get into a situation where you work with a company with a low rating. It could make it difficult for a claim to be paid on time. Additionally, some companies that struggle with their finances may do everything they can to prevent your claim from being accepted.

Reviews

Reading the reviews of insurance companies can tell you more about what to expect with them. Plenty of reviews can be found online from others who have experience with the company. They can tell you how the customer service is, how the rates are compared to other companies, and much more. If there are a lot of negative reviews, it identifies that you should proceed with caution.

What’s Available

You also want to look at what’s covered by your insurance policy. Allegiance Insurance Agency can work with you to determine what needs to be included in your policy. This includes exploring any riders that make sense for your individual situation. Whether you’re buying home insurance, auto insurance, or any other coverage, you need to make sure that your policy includes everything that will provide you with the necessary financial protection.

The agents at Allegiance Insurance Agency can show you the different underwriters that are available based on the type of insurance that you’re shopping for in Richardson, TX. Don’t assume that the lowest premium is the best option. The company that underwriters your insurance policy does matter and our agents will explain why.

 

 

 

Defining Pre-Existing Conditions

In life, there are no guarantees. The only thing we can be certain of is that our things will constantly change.  From the day we born we are growing older by the second. As we grow older our bodies undergo physical changes in order to allow for new growth.  At times the change may not be easy and we might get sick. Other times we may get injured in the process of doing something. With all this change it can be hard to keep up. Most of the time our insurance will cover the cost of medical expenses, but with things constantly changing in healthcare reform it can be hard to know if an injury or illness will be covered. That is why the agents at Allegiance Insurance Agency want to help the people of Richardson, TX by providing information about pre-existing conditions.    

Chances are most of us have heard the term pre-existing condition but few will understand what it actually means. For those who don’t know, a pre-existing condition is a medical condition that you developed before the start of your current health policy.  Before the Affordable Care Act was signed into law, insurance companies denied people coverage for reasons from everything from Adult Acne to Cancer. Two years after Obama was first elected the No Pre-Existing Condition Exclusion was enforced. After that time, it became possible for people with pre-existing conditions to find healthcare.  

As time passed things continued to change in the healthcare industry. Right now, in 2018 we are under a different president. Options for people needing individual insurance are few, and even harder to find for people with pre-existing conditions. There are a few options out there so Allegiance Insurance Agency wants Richardson, TX to know that they are out there if they need help.  

The Basics of Boat Insurance

If you are a first-time boater and you’re searching for information about boat insurance, or you are a veteran who needs a quick refresher on boat insurance basics, you have come to the right place. Physical damage and liability coverage form the core of any kind of marine policy. Your Richardson, TX insurer like Allegiance Insurance Agency can help you pick a perfect policy that suits your needs.

But before then, let’s discuss a brief difference between these coverages:

  • Liability coverage – it will cover legal obligation to a third party due to loss of life, property damage, or injury.
  • Physical damage coverage – It reimburses damages to the vessels and its machinery. An ‘all risk’ physical damage policy is suitable because it covers any cause of loss that’s not specifically excluded in a policy, for instance, collisions with the dock, vandalism, and wind storms. Professionals recommend choosing a policy that can cover your entire vessel when it’s being used, stored, or transported.

As you compare physical damage coverage options, you must know whether the insurance settlement you will claim will be based on “actual cash value” or “agreed value.” An agreed value policy will pay you the amount that’s listed on the policy in case the vessel is destroyed. An actual cash value plan, on the other hand, takes into account the condition of the boat and its depreciation at the time of loss.

Additional boat coverages

  • Personal property –will pay for the loss of clothing, personal effects, fishing gear, among others.
  • Uninsured boater –although this policy isn’t mandatory, it will compensate you for injuries caused by another boat owner who doesn’t have liability insurance.
  • Medical payments – pays for the ambulance and hospital bills after an accident occurs. It also covers injured passengers.

If you are Richardson, TX boat owner and you need a boat insurance coverage, do not hesitate to contact Allegiance Insurance Agency.

 

 

 

Choosing a Life Insurance Beneficiary: Know the Facts

Choosing a life insurance beneficiary is an important decision that only you can make. Knowing the facts can help you make wise decisions that will benefit those you love most.

Types of Beneficiaries

There are basically two types of beneficiaries: primary and contingent. Your primary beneficiary is the individual or individuals you choose to receive the benefits of your policy upon your demise. If this person or persons die before you, proceeds will go to your contingent beneficiary.

Beneficiary Options

There are numerous options for beneficiaries to your life insurance policy.

Family: If you’re married, your primary beneficiary would probably be your spouse and children to provide them with financial support after your demise. Other family members to include parents, siblings, uncles, aunts, etc. could also be named as beneficiaries, if you desire. When naming more than one beneficiary, it’s important to stipulate how the funds will be divided to avoid misunderstandings.  

Minor Children:  Minor children can’t receive death benefits directly making it necessary to name a legal guardian as your beneficiary on their behalf. This guardian will manage the proceeds of your policy until your children reach legal age. Your Allegiance Insurance Agency agent can help guide you through the legalities of this process.  

Estate: You can name your estate as the beneficiary of your life insurance policy by specifying this in your will. The executor of your estate will receive the proceeds and distribute them in accordance with the instructions in your will.

Other:  If you have a favorite charity, you may want to name it as your beneficiary. If you’re the co-owner of a business, you may designate your business partner as beneficiary so he can continue the business you started together in Richardson, TX after you’re gone.

To learn more about life insurance beneficiaries, policies and costs, contact Allegiance Insurance Agency in Richardson, TX.

Do You Need Commercial Insurance For An Online Business?

Business today can exist in a traditional sense and as an eCommerce entity. This means that you can operate solely on the internet rather than having a brick and mortar location. You may be wondering if you need commercial insurance if you don’t have a physical location. If you have any type of inventory or office equipment of value, then you are going to need the protection that commercial insurance can offer to prevent you from seeing losses from a covered event.

eCommerce Commercial Insurance

If you are a business owner and operate primarily as an eCommerce entity, then you should discuss the options you have for commercial insurance with a reliable provider. There are many reputable companies on the market today that can cater to the special needs of eCommerce based business owners. Educate yourself on the potential risks you may see along the way and protect yourself with coverage geared to support online business. 

Finding The Right Insurance Company

Finding the right company is the key to getting the coverage you need to protect you from losses is the first steps towards securing the future of your company. Use the insurance products and services from reputable companies such as Allegiance Insurance Agency, serving the businesses of Richardson, TX and the surrounding areas. They can work with you one on one to give you the most comprehensive coverage so you can rest easy knowing you are protected. 

For more information about commercial insurance for online businesses, contact Allegiance Insurance Agency. They proudly offer assistance to the businesses and residents in and around the Richardson, TX area. Call or stop by today to speak with one of their knowledgeable representatives. 

Covering A Historical Motorcycle Properly

Vintage motorcycles are a big deal for many in Richardson, TX. Collectors love these historical bikes but want to make sure they are fully covered. At Allegiance Insurance Agency, we have worked with people who own these models and have created coverage options that work for their needs.

Classifying A Vintage Motorcycle

If you are trying to ensure a historical motorcycle, you need to get it classed as a vintage motorcycle. There are very specific types of bikes that fall under this heading. The American Historic Racing Motorcycle Association has defined vintage bikes as those that were built before 1975.

If your motorcycle is considered vintage, you can get high-quality insurance. It will set up higher coverage limits to suit the needs of your bike and will find protection that is designed for it. For example, it may protect against rust and other types of weathering that occurs when you store a bike.

The Agreed Upon Value

When buying insurance for vintage motorcycles, you and your policy provider will create what is known as an agreed upon value. This value indicates the value of your bike, as both you and the provider agree. Once this value is decided, there will be no appreciation or depreciation of the value.

This situation is nice because it makes sure that you get the money that your bike is worth and avoids causing too much financial difficulty to the insurer. However, it may be frustrating if your bike increases in value and your insurance policy does not rise in return.

If you own a vintage motorcycle in Richardson, TX and you want to make sure it is well insured, please don’t hesitate to contact us at Allegiance Insurance Agency. We can provide you with the comprehensive coverage that you need for your bike and keep your investment safe and sound.