Month: August 2013

Does being obese affect my life insurance in San Antonio, Texas?

Posted on by AgentInsure

You may have to give up those frequent trips to your favorite San Antonio fast food restaurants if you want to be able to buy an affordable life insurance policy in Bexar County or Comal County, Texas. Your expanding waistline can affect the price you have to pay to get a life insurance policy, and if you are morbidly obese, prevent you from buying one entirely.

Insurance companies will measure and assess risk before they will issue a life insurance policy. It is well established that people who are obese have a greater risk of heart disease, type two diabetes and other diseases and medical conditions that can lead to a premature death. It is quite common for individuals with a weight problem to have high blood pressure and sleep apnea, both of which can be quite hazardous to your health.

While guaranteed acceptance life insurance allows just about anyone to get some coverage without having to take a medical exam or answer any medical questions, you will pay a very high premium for a small amount of life insurance. For term and whole life policies, you will usually be required to have a blood test, get your weight, height and waistline measured and have your blood pressure taken.

If you are 10 or 15 pounds over your ideal weight for your height, and have no other medical conditions, you will probably be placed in a preferred plus category of risk which will get you the lowest premium on your life insurance policy. If your Body Mass Index is approaching 30, the point at which you are considered obese, you might be put in the preferred category and pay a little higher premium. Once you get close to 40, or the threshold for morbid obesity, you may be unable to get an insurance company to offer you a policy.

If you need life insurance and are worried that your weight will make it difficult to get a policy, give us a call. An independent agent will give you some good information and help you get the coverage you need.

What information should I hold in order to get an estimate on commercial insurance for a business project in San Antonio, Texas?

Posted on by AgentInsure

When you are starting a new business project, you have a lot of concerns. One of the biggest is making certain you have the commercial insurance policy necessary to cover yourself and your business. While you hope never to actually USE the insurance, you need the protection in place, to cover those “just in case” incidents.

The best way to get the coverage you need is by working with an independent agent. An agent can help you understand the options that are available to you as well as helping you get the best possible price for your commercial insurance policy. While you can obtain insurance working with an agent, it will also save your money—an agent is on your side and there to help you every step.

When you go in for a visit with your agent to get an estimate for the cost of your policy, you may need to bring a number of items with you. Bring along your most recent tax returns, information about the property and information about your employees. If you have questions about what you need to bring along, you should call your agent and see if he or she can point you in the direction of a checklist—many agencies have these posted online. This will make sure you do not miss anything you need to bring.

If you live in or around San Antonio, Bexar County or Comal County Texas, give us a call or contact us online. We will be happy to help you choose the right policy and can make sure you have all of the materials you need when you come in to sign your documents.

Will my Home Insurance Policy in San Antonio, Texas, Cover me from Cylinder Explosions Caused due to a Gas Leak?

Posted on by AgentInsure

When a cylinder has exploded in Bexar County or Comal County, it can cause major damage to your home. The concern you may face in this situation is that your home insurance may or may not cover the situation in San Antonio, Texas. Your policy is the key to determining whether the explosion is covered.

General Coverage

In many cases, your insurer will provide some basic coverage for unexpected occurrences and dangers that were not caught before the explosion occurred. Your house may be covered in full or part if you have insured against common disasters that may befall a home.

Specific Details

Although the general plan will provide some basic coverage or partial coverage to protect against unexpected situations, the specific details may impact your plan. For example, if your plan covers the repairs for a gas leak, then it may protect against the consequences of that leak. If it does not, then you may discover that the explosion is not covered.

Getting Coverage

If you discover that explosions from gas leaks and similar problems are not covered under your current plan, then it may be time to consider adding to the policy. Adding to your policy will allow you to address unexpected situations so that you are able to feel safe in your own house.

Protecting your family from gas leaks and explosions may seem unexpected, but it can occur in some situations. The best way to prepare for any possibility is getting the right coverage for your needs and home. If your home is connected to gas for heating, a fireplace or the stove, then it is important to protect against leaks. To learn more, contact us to talk to an independent agent.

What should I do in order to increase my auto insurance score in San Antonio, Texas?

Posted on by AgentInsure

If you live in Bexar County or Comal County, Texas and are planning to buy auto insurance in the near future, you can earn a lower premium if you have a high credit score and strong credit history. Insurance companies in New Braunfels and San Antonio use an auto insurance score as part of their risk assessment process when writing a new policy.

The price you pay for auto insurance coverage is determined by many factors such as your age, driving record, past claim history and your auto insurance score. Insurance companies place considerable weight on your auto insurance score because having a higher score demonstrates financial responsibility. Statistics show that more responsible people take less risk, have less accident and file less claims.

So, it is to your benefit to try and improve your auto insurance score. There are many things you can do to get a better score. For starters, you should make sure you pay your bills on time. If you like to use your credit cards to go shopping in San Antonio, try to reduce the outstanding balance on your credit cards all the way down to zero. At the minimum, your debt to available credit should be less than 25 percent. Another thing that you can do to better your score is to not apply for any new credit. Every inquiry for more credit can negatively affect your credit score. Go online and get your free credit report from the three major credit reporting agencies, read them over and make sure there are no mistakes.

Insurance companies do not share your auto insurance score with you. It is basically the same as your FICO score, so if you know that popular measure of credit-worthiness, you can figure out where you stand. There are some other ways to improve your score and we would be more than happy to go over them with you. Give us a call and talk to an independent agent and see how else you can save on your auto insurance.