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Monday, August 31, 2015

How Much Life Insurance Do I Need?

Life Insurance is not for you; it's for those you leave behind. To know how much you need, you should consider 3 factors - 1) Your Annual Bills Are, 2) Your Total Assets 3) Your Total Liabilities.

You should do some planning to determine how much coverage you should obtain, and the younger and healthier you are, the lower the rate you will pay.

This is a good Life Insurance Calculator  you could use:  http://finance.yahoo.com/calculator/insurance/ins01/

Next, you will need to decide what type of coverage to purchase - Term or Whole Life.  Term Life has a definite period of coverage with the lowest premiums.  Whole Life is sometimes referred to as Permanent Coverage because it does not expire and may also provide a cash buildup and/or dividend option. Which is better depends on your personal needs.  As you age, your financial needs and obligations will change, so if you have a good retirement plan, you may not need permanent coverage.  If you are not disciplined about saving or anticipate ongoing needs, whole life may be a better option.  Your Trusted Choice Agent can assist you with evaluating the amount and type of coverage that would be the most beneficial

There are hundreds of companies and hundreds of options that can be very confusing.  Add to that the line of Annuity products that are available to provide fixed income and tax savings, you could easily be overwhelmed.  Check with a Trusted Choice Agent to better understand your options and to obtain a solution crafted to meet your individual needs.

How to save money on life insurance -   insure now instead of later and have your Trusted Choice Agent offer options from multiple carriers,

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, e company who provides good claims support to hep you get back going after an incident.  It does you no good to spend very little for a policy that will not pay you or treat you well after a claim. Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. 



Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel


Monday, August 24, 2015

Watch Out For What Is NOT Covered By Your Insurance!

Few things would be worse than thinking you are covered for something that you are not.  Have you reviewed your policy and coverages lately?  Is there something on your policy you do not understand that you need to review with your Trusted Choice Agent?  The best time to do this is NOW!
 Here are the top things you should know about your insurance contract:

1)      What perils are covered under your policy?  Many policies have exclusions that limit or eliminate coverage.  You may be able to purchase the coverage under a separate policy, such as flood, or add back the coverage through adding an endorsement and paying an additional premium.  Know what you have!

2)      Is your policy providing Replacement Cost coverage?  It is difficult to replace “depreciated” items that are insured at only Actual Case Value.  Ask for Replacement Cost!

3)       Do you have enough coverage for your structure and personal belongings?  A good idea is to use your smartphone to make a visual inventory of all your stuff, and develop an estimate of the cost to buy everything again, because that is the coverage level you should have on your policy.  You may need to raise your coverage!

4)      Do you need “excess” coverage?  Many policies limit the coverage, but umbrella or excess polices may be available to provide you the extra protection needed for liability, flood, or high value items that should be separately scheduled for your home or business.

5)      Do you have coverage to provide living expenses or lost income while your home or business are not available for use during serious repairs to your structure after a claim?  Many policies allow for Loss of Use or Loss of Business Income Coverage.  You need to know your options!

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.



Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel 

Monday, August 17, 2015

Born To Be Wild But Save on Your Motorcycle and Boat Insurance

Oh, to feel the wind blowing through your hair on the road or on the water. Whether you relieve your stress by riding on a motorcycle or a boat, there are a few things you can do to reduce the worry about your insurance and lower the cost. 

Most preferred insurance companies now base part of the rate on the consumer’s ability to pay their bills on time.  Just like with auto insurance, your credit history will impact your motorcycle or boat insurance cost. Insurance is based on the risk associated with the operator, so your age and driving history will also impact your rate.   The location where you use your bike and boat could impact the rate also, particularly if there are many thefts in your area.  If you ride frequently may impact the rate because the more you use, the odds of a claim are higher.  More powerful bikes and boat engines impact the rates and any special customizations.

For your protection, you will want to ensure that your coverage is adequate to protect what you stand to lose in the event  a major claim.
                Collision – in an at-fault accident this coverage will pay to repair your bike/boat
                Comprehensive / Other Than Collison – covers damage for “acts of God” like weather and also theft, vandalism, and any collision with deer or wildlife
                Medical payments – covers  doctor and hospital costs or burial costs resulting from an accident
                Uninsured / Underinsured Motorist- protects the policy holder if the other party in the accident is not properly covered
                Accessories/ Custom Parts – for an after-market additions to your toys

You can take safety courses and use protective gear to increase your level of protection. And discussions with your Trusted Choice Agent will help you understand your options and ways to save money on your insurance.

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
 ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, e company who provides good claims support to hep you get back going after an incident.  It does you no good to spend very little for a policy that will not pay you or treat you well after a claim. Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. 



Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel



Monday, August 10, 2015

Wherever You Live, A Catastrophe Can Strike

I always prefer to be an optimist, but the reality is that anywhere you live, a calamity can strike. Hurricanes, Tornadoes, Blizzards, Terrorism, Earthquakes, Floods, Fire, and more. 
 It's down right depressing!
Mitigation efforts and improved Building Codes can assist in protecting structures.  Many grants are available for consumers to use to retrofit their homes.  Check out The Institute for Business and Home Safety (www.DisasterSafety.org) to find out how to obtain a "Fortified" designation which may be used to get a credit on your property coverage.
There are many ways to reduce or eliminate risk.  Insurance is available to protect your property from catastrophes.  Check with your Trusted Choice Agent to find out your options. 
 You can save money on your insurance by insuring your property correctly and making your property attractive to the insurance marketplace.  Maintaining good credit, paying your bills on time, and maintaining your property will keep the insurance companies vying for your business.
Your Trusted Choice agent can help you understand the risks you face, and provide you with options so you can decide on coverages and deductibles for the policy you choose. 
 With a good agent and good insurance, you can sleep well at night knowing that you will be able to rebuild your home or business after the worst happens.
Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations! 
We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coasthttp://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email:info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBookwww.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 
We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. 

Insurance is stressful, but we make saving easy.  We help you save money on insurance!
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Monday, August 3, 2015

How Low Can It Go? Save Money On Your Auto Insurance!

Auto insurance is required is almost every state. But paying a ridiculously high premium is NOT required.  So how can YOU save???

The Insurance Information Institute shared information on the factors that determine the price of your auto insurance policy:

         + How Good Is Your Driving Record? - Better drivers (no accidents or tickets) get lower premiums.
         +  Do You Drive Your Car Long Distances?  From a statistical standpoint the more miles you drive, the more opportunity you have for getting into an accident, so higher mileage drivers are charged a higher premium
         + Where Do You Live and Where Do You Park Your Car? If you live in a city location that has a higher incidence of theft and traffic, you will pay a higher rate because the offs are higher that something could happen to your car.
         + What Is Gender Or Age?  Since women generally have fewer accidents, they usually get a lower rate, and more mature drivers have more experience so usually get a lower rate.
         + What Kind Of Car Do You Drive?  Every car has a different rate based on its cost of repairs and its safety record.  This impacts your rates, so check with your Trusted Choice Agent and Consumer Reports to find the cost of parts and the vehicle's safety record.
         + What Timely Do You Pay Your Bills?  Those who have better credit have been documented to have fewer claims, so they will get a lower rate on their auto insurance.
         +  How Much Coverage And What Type Of Coverage Are You Considering?  State Minimum limits are usually not sufficient to truly protect the parties to an accident, so purchasing a higher level of coverage is a much better value.
         +  Which Company Are You Buying Insurance From?  There are hundreds of companies offering coverage, but in the latest Consumer Reports review, they identified that companies who spend alot of money on advertising charge much higher premiums! So check with your Trusted Choice Agent to get estimates from several different companies who can save you money on your coverages.  Also, be sure that you are buying from a financially sound insuranc
Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!
We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, e company who provides good claims support to hep you get back going after an incident.  It does you no good to spend very little for a policy that will not pay you or treat you well after a claim. Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. 




Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

        

Monday, July 20, 2015

Entrepreneurs Need Insurance Too!

Blood, sweat, and tears go into a new business startup.  You have enough to worry about with establishing your corporate structure, your accounting system, your location, your office layout, your stock, your inventory, and more --- but you also need to protect your investment -- and you need HELP! 

This is where a good Trusted Choice Insurance Adviser comes in (www.southgroupgulfcoast.com).  Your Independent Insurance Agent will conduct a through Risk Assessment and will offer suggestions for mitigating or eliminating your risks.  If the risks cannot be eliminated, your Trusted Adviser will provide you with options to insure your exposure.

Forbes (www.forbes.com) provided a good outline of some coverages you will want to consider for protecting your assets and your investment.

1) General Liability Insurance - provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party
2) Property Insurance -  provides building, and business personal property, including office equipment, computers, inventory or tools protection from fire, vandalism, theft, smoke damage etc.  You may also want to consider business interruption/loss of earnings insurance coverage to protect your earnings if the business is unable to operate.
3) Business Owner's Policy - Often, BOP’s will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance- and you can tailer it to your specific needs.
4) Commercial Auto Insurance - protects a company’s vehicles and vehicles that carry employees, products or equipment.
5) Worker's Compensation -  provides wage replacement and medical benefits payments to employees who are injured on the job.
6) Professional Liability Insurance -  provides defense and damages for failure to or improperly rendering professional services, and is critical for any professionals such as lawyers, accountants, consultants, agents, and any profession providing services.
7) Directors and Officers Insurance - protects the directors and officers of a company against their actions that affect the profitability or operations of the company.
8) Data Breach Coverage -  provides protection in the event of data loss of sensitive or non-public information and all of the compliance requirements and legal action necessary following a breach.
9) Homeowner's Insurance - protect against damage to your home and against damage to items inside the home, and protects you for accidents for which you are deemed personally liable.
10) Renter's Insurance - protects against damage to the physical property, contents of the property, and personal injury within the rented dwelling.
11) Life Insurance - provides funds to your family or beneficiary in the event of your death.
12) Personal Automobile Insurance - protects against both physical damage and bodily injury resulting from a crash, and also any liability that might rise from the collision.
13) Personal Umbrella Insurance -  an extension to an already existing insurance policy and covers beyond the regular policies.

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !


We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.




Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel


Monday, July 13, 2015

Got a Trailer? You Need Proper Insurance Coverage!

With all the "toys" out there - boats, campers, jetskis, animals, belongings --- sometimes the only way to get it to where you need it is to hitch it to the back of a vehicle and tow it.  But are you protected from damage or theft or liability?  You need to be sure your have the correct insurance coverage!

Not all companies include protection for trailers, so check with your Trusted Choice Agent (www.southgroupgulfcoast.com).

Types of Commercial and Personal Trailers

  • Horse trailer
  • Livestock trailer
  • PWC trailer
  • Boat trailer
  • Auto trailer
  • Camping trailer
  • Commercial trailer (used to transport equipment or goods used in a business)
Trailer insurance is not required by law, but is a good investment if the trailer and its contents are critical to your business or important to you personally.
 
What Does Trailer Insurance Cover?

The right policy depends on your particular circumstances. Your independent agent will ask about your situation and explain the various coverage options, which may include:

Liability: This portion of the policy covers damages caused to others for which you are legally liable, including bodily injury or property damage. Trailers are sometimes covered under the boat, auto, or homeowners liability policy, but coverage may not be adequate to protect you in an accident.

Comprehensive Coverage: This portion of the policy reimburses you for loss associated with several kinds of events, such as:
  • Fire, smoke
  • Severe weather such as hail, wind or lightning
  • Theft and vandalism
Be sure to ask whether accessories attached to the trailer are covered. These might include items such as awnings, TV antennas, satellite dishes and air conditioning units.

Total Loss Replacement: Different insurance policies may cover the same items, but not for the same amount. “Actual cash value” (ACV) is typically lower cost coverage than “replacement cost” because ACV accounts for depreciation.

Contents Coverage: All trailer policies cover the trailer, but you and your agent should discuss whether you want the trailer’s contents to be covered. The contents coverage may be at an extra cost, but it may be well worth it if you tow valuable items such as show animals or an expensive boat. Contents coverage is designed to protect the cargo you're hauling from theft, vandalism, and damage.

Emergency Expenses and Roadside Assistance: Some trailer owners want the insurance policy to cover breakdown expenses such as flat tire, battery issues, fuel delivery and jump starts. Your trailer may get stuck in snow, mud, water or sand or may need to be towed to a repair shop. You may need a locksmith.

Other Options:
  • Full-timer coverage covers liability similar to that provided under a homeowners policy
  • Stationary Travel Trailer Coverage covers comprehensive, contents and liability.
You will most likely need to supply answers to the following questions to your Trusted Adviser to ensure that you have the appropriate coverage:
  • Will the trailer be used for personal or commercial use?
  • What is the type of trailer?
  • Is the trailer custom made?
  • What is the make and model, age of trailer?
  • How much did the trailer cost?
  • What will the trailer contain?
  • What is the size of the trailer?
  • Who will drive the vehicle towing the trailer (driving record, age, gender)?
Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!

We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com
,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !


We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states.




Insurance is stressful, but we make saving easy.  We help you save money on insurance!

#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel