Wednesday, May 28, 2014

Services Offered by Gunning and Associates Insurance Company

The Gunning and Associates Insurance Company has built an excellent reputation with its quality service to ll of its customers for several years. There are so many typs of insurance plans that you may need to secure for your protection. Read throught the rest of the article and see what services the Gunning and Associates can offer you.

Auto Insurance

The company offers insuane services for both motorcycles and cars. This type of insurance often covers for damages on custom parts and equipments. The coverage also includes roadside assistance with a certain amount everytime there is a break down. Other matters that are included in the coverage include liability, medical and uninsured or undersinsured motorist coverage.

Home Insurance

The home insurance covers for individual homes, renters and condo insurance. Home insurances help you secure your property if it gets damaged from natural catastrophies and other damages that happen inside the property. The policy many include coverage for personal injuries, aside from property damages.

Life Insurance

There are different types of life insurance that you can obtain from the company. The three main types include term life insurance, whole life insurance and universal life insurance. The term life insurance offer protection for a certain period of time. It is usually a good option if you are going to get a life insruance for the first time.

There is also a whole life insurance that you can avail of. This type of life insurance protects you and your family for the rest of your life. There are different issues to which this coverage can protect you. This type can also help you build cash value. Another long term type of life plan is the universal life insruance. It is a permanent type of premium which allows you to customize coverage.

Business Insurance

The business insurance provided by the company covers for bonds, business auto insurance, commercial property, commercial umbrella, general liabilities and worker’s compensation.

Boat and Recreational Vehicle Insurance

If you have boats and RVs, you can get specific insruance coverage for your protection. Whether you are on a boat in the waters or on the road using your recreational vehicle, you can enjoy your trip with peace in your mind.

Flood Insurance

The flood insurance is usually a separate type of coverage since other bigger plans do not cover them. If you want a specific protection for your family, you can choose to get a separate and more specific protection with a flood insurance.

There is not a universal equation to tell you what the best type of insurance is. The key there is to know your specific needs and the insurance companies can tailor a plan that fits for everything that you need.

There are also other types of insurance that  you can get from the company. If you didn’t find the specific type of insurance in the list above, you can always talk to the company and tell them about your needs. They will be able to find the perfect type of coverage for you to use. Talk to the Gunning and Associate Insurance Company today and start securing you and your family’s future.

Tuesday, May 27, 2014

Individual Life Sees 5th Straight Year Of Double-Digit Growth


Individual Life Sees 5th Straight Year Of Double-Digit Growth

LIMRA reported total new premium for life combination products reached $2.6 billion in 2013, representing 13 percent of total individual life insurance new premium. Approximately 98,000 life combination policies were sold in 2013, an increase of 18 percent compared with 2012...




Sunday, May 25, 2014

Things Covered by Gunning and Associates Home Insurance

There are different types of insurance available in the US and they are provided by various insurance companies. One of the biggest names in the industry is the Gunning Associates. One of the many types of insurance offered by the company is the home insurance. Home insurance also comprises subservices. If you pay for a Gunningand Associates Home Insurance, what type of incidents will be covered?

Replacement Cost

This coverage primarily includes the amount that comes with inflation. Not all types of home insurance include this item in the policy. Some people would not mind omitting this coverage since the fair market value can be used during claims. However, the replacement cost will help home owners to reclaim the items at home that were lost or damaged.

Natural Disaster Damage Cost

Protection from the possible damages that are brought about by natural disasters is what the policy owners usually after with home insurances. The natural occurrences may include fire, windstorm, hailstorm, or lightning. Natural calamities that may cause damages to the homes such as earthquake and flooding are included in this part of a policy.

Personal Injury

Accidents at home are not totally impossible. You may trip or fall off due to a broken step in the porch and it caused you some bodily injuries. The expenses that you need to cover for the treatment of the resulting injury can be addressed by a home insurance.

Deductibles

In cases where a policy owner needs to collect a claim, the owner may need to fill in and pay a certain amount as agreed. Not all insurances cover for the entire amount of expenses. The owner may need to do their part of paying a specific amount. The deductibles will help an owner lower the amount that they need to pay. Some policy holders choose to carry smaller amount of deductibles n a policy, which made them regret by the time they actually used a claim. The bigger deductible amount your carry in an insurance policy, the lesser amount you will need to pay in the future claim.

Personal effects and separate structure protection

This aspect in a home insurance policy includes coverage for damages in a home garage or a workshop. These home inclusions could be separate or are within the house. As long as they belong inside the property of a policy owner, they can still be included in the coverage.

All the items mentioned above can be included in a single policy. However, not all types of home insurance packages include everything in a single policy. Be sure that you talk to your provider about the inclusions. If you get home insurance from Gunning and Associates, you can talk to them about the coverage in each type of home coverage.


If you decide to protect your property with a Gunning and Associates home insurance, you will be assured that you are investing for security on the things that matter to you. If you want to secure your future, there is no better time to do it than now. You can contact Gunning Associates and talk to them about your needs. They will definitely be able to tell you how to secure your home and your family in the most convenient way possible.

Tuesday, May 20, 2014

Life Extends Lead In Voluntary Sales


Life Extends Lead In Voluntary Sales

Life insurance sales in the voluntary benefits market were $1.88 billion in 2013, an increase of 22 percent compared to 2012. Life insurance holds a 28 percent share of all voluntary sales...




Tuesday, May 13, 2014

Athene USA Grabs A Foothold In FIAs


Athene USA Grabs A Foothold In FIAs

Many eyes are on Athene's first-quarter results due soon. After its ambitious acquisition of Aviva, Athene seeks a steady transition and a new direction for fixed annuities…




Tuesday, May 6, 2014

Advisors And The 'Halo Effect'


Advisors And The 'Halo Effect'

A survey underscores how much opportunity there is for financial advisors who want to pursue the small-plan market...