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Sunday, January 15, 2017

Smart Steps For Buying Life Insurance

Shopping For Personal Life Insurance That Meets Your Needs And Budget
Life insurance can form a vital part of your family’s financial stability and well-being but, if you’re like most people, you may find the thought of shopping for the right type of coverage a little daunting. Fortunately, these eight simple steps can guide you along the way.
  1. Determine whether you actually need life insurance. Most people do, but not everyone. If no one depends on you financially, if you have no debt and would leave an estate with enough cash to pay its own taxes and expenses, you probably don’t need life insurance. If you do not meet these criteria, you probably will need individual life insurance.
  1. Calculate how much life insurance you need. There are two important questions to ask:
    1. What financial resources will be available to survivors after your death? For simplicity, consider three categories of resources: (1) Social security and other retirement-related survivor benefits; (2) group life insurance; and (3) other assets and resources. It is also important to know when these resources will become available—for example, social security survivor benefits are payable immediately to a surviving spouse with dependent children, but only after age 60 if there are no children.
    2. What financial needs will your survivors have after your death. For simplicity, consider three categories of requirements: (1) final expenses; (2) debts; and (3) income needs.
    3. Then subtract your survivors’ financial resources (step #2) from their financial needs (step #3) to determine how large a policy to buy. Many people are underinsured, often because they skip these steps or take a shortcut (such as simply buying a multiple of annual income). For more help in determining the right amount of life insurance, see: How Much Life Insurance Do I Need?
  1. Consider other objectives you may have for your life insurance. Some types of life insurance policies include a savings feature that can be used for purposes other than paying death benefits.
  1. Determine what type of life insurance best meets your needs. Essentially, there are three types of life insurance policies—term life, whole life and universal life. If you need the insurance for only a specific period of time, or are on a limited budget, a term policy, which has lower premiums, may be a good fit. If, however, you need the insurance for as long as you live and want to accumulate savings, a whole or universal policy may be a better choice.
  1. Find out if you need to add any “riders” to the policy. There are two that you should consider—waiver of premium and guaranteed insurability. Some policies come with one or both included with the basic contract but, if not, it is generally a good idea to add them. Waiver of premium pays the life insurance policy premium for you if you are disabled. Guaranteed insurability permits you to add to the death benefit without providing additional evidence that you are in acceptable health.
  1. Shop around. There are many ways to save money when buying life insurance, but they don’t always entail paying a lower premium immediately. That said, life insurance is a very competitive business so quotes can vary significantly between companies.
  1. Decide whether to pay premiums annually. In most cases, it is better to pay annually rather than in installments because there is often a relatively large additional charge for paying smaller amounts more frequently.
  1. Tell your beneficiaries about your life insurance policy. Once the policy is issued, inform your beneficiaries the company that issued it, where to find the paper copy of the policy and any specifics about what you want them to do with the death benefit. While is rare for people to be unaware they are the beneficiary of a life insurance policy, it does happen and you want to make sure that the benefit will not go unclaimed. And store your documents so that they can be easily accessed by your beneficiaries.
These tips apply to personal life insurance purchases. For information on the uses of life insurance for businesses see: Insuring Against the Loss of Key Personnel.

source: www.iii.org

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, Johnny Walton 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Saturday, December 31, 2016

Financial New Year's Resolutions You Can Keep

Did you resolutions concerning your personal finances last January? If so, how did you do? Did you attain your financial goals, or was this year a total financial washout for you? While Dec. 31 is a day to reflect on the year gone by, Jan. 1 is a time to look forward to the New Year, review your financial scorecard for the past year, and then look for ways to improve in 2017.
There’s a good chance last year’s resolutions didn’t stick. According to a report from the University of Scranton’s “Journal of Clinical Psychology,” only 8% of us actually achieve our New Year’s resolutions. The good news about New Year's resolutions is that you get a fresh crack at them each year. Here’s some financial changes you should resolve to make in 2017.
Calculate Your Net Worth
If you haven’t done so already, The New Year is as good a time as any for determining what you’re worth (financially, of course). Calculating your net worth is a key step to assessing your financial health and reaching your financial goals. Looking closely at all your assets and liabilities helps create a clear picture of where you are prioritizing your current spending and saving and where you need to make changes in your spending and saving habits.
It’s a good idea to recalculate your net worth each year to keep on top of your progress towards your financial goals and correct any mistakes you’re making before they create overwhelming debts. Many sites, including Investopedia, offer free tools to help you calculate your net worth. The resolutions you need to make will become more obvious after making this calculation.
Reset Your Retirement Savings
At work, you probably have the opportunity to save for your retirement through a 401(k), 403(b) or 457 plan sponsored by your employer. If so, consider that most people find it easier to max out their retirement contributions by budgeting to contribute a set amount each month.
Employer Plans
If you have access to a 401(k), 403(b) or 457 plan at work, consider instructing your employer to withhold enough through salary deferrals to ensure that you reach the maximum limit each year. If you'll be 50 or older by December 31, bump that amount to account for the additional catch-up contributions you're allowed to make. If you are paid on some other frequency, such as weekly or bi-weekly, simply divide the contribution limit by the number of your pay periods for the year.
Of course, you should save only amounts that you can realistically afford, as contributing more than you can afford may result in having to incur debts to cover everyday expenses. To determine how much you can save each period, incorporate your retirement savings into your regular budget.
Are you self-employed? If so, depending on your income, you can contribute to an SEP IRA, profit-sharing plan or independent 401(k) plan. And if you'll be 50 or older by Dec. 31, the contribution limit jumps for independent 401(k)s, helping you save even more.
Don't Forget About IRAs
Even if you're covered under a retirement plan at work, you and your spouse can each contribute to a Traditional IRA or Roth IRA, as long as your combined taxable wages and net self-employment income is not less than the total amount contributed. Anyone 50 or older can contribute an extra $1,000, increasing the total allowable contribution to $6,500, or $541.66 per month. Keep in mind, however, that in 2014, a modified adjusted gross income of $60,000 to $70,000 ($95,000 to $115,000 for married couples filing jointly) puts you in the phase out range for deducting your IRA contributions.
Update Your Savings and Debt Reduction Goals
Creating easy access to your funds can be quite tempting, and if you are like most people, you will spend money that you can easily attain. Therefore, to help you reach your goal, be sure to transfer amounts earmarked for savings from your checking account to a designated separate savings or investment account that is not easily accessed, making it less tempting for you to spend the money that you have managed to save.
Take a few minutes now to set new savings goals for 2014, including how much you would like to add to your retirement nest egg, your children's education fund or the down payment on your home. You should also reset how much you plan to pay on your personal loans, debts and home mortgage accounts.
And don't forget about paying some extra principal toward your mortgage payment each month. By doing so, you'll earn a risk-free return on that money equal to your mortgage interest rate. Plus, you'll cut down on the number of years it will take to pay off your mortgage. However, if you must choose between adding to your retirement nest egg and paying extra on your mortgage, talk to your financial advisor to determine which option is more suitable for you.
Other Resolutions
Rebalance Your Investment Portfolio
The previous year was no different from any other year: some sectors over-performed and some sectors under-performed. Chances are that the sectors that did the best last year may not enjoy a repeat performance this year. By rebalancing your portfolio to its original or updated asset allocation, you take steps to lock in gains from the sectors with the best returns and purchase shares in the sectors that have lagged behind last year's leaders.
Pay Down Your Credit Cards.
If you owe money on your credit cards, determine how much you can realistically afford to pay off during the year. For best results, try not to charge additional purchases on those cards while you're trying to pay down what you owe. If you have high interest credit card balances, consider whether it would be more beneficial to pay off those high interest debts or to add to your savings.
Review Your Credit Report
Review your credit report, and take steps to repair any negative aspects. Now that you're entitled to three free credit reports each year, there is no excuse for not reviewing what is one of your most important financial reports, especially since errors in these reports are not uncommon. That said, obtaining a truly free credit report isn’t as easy as some companies claim, so be sure you know all the terms and conditions before requesting a report. A poor credit report could adversely affect the amount you are able to save, as it could result in you paying higher interest rates on loans, which reduces your disposable income.
Review Your Life Insurance and Disability Insurance Needs
As you move through your career, your life and disability insurance need to continue to change. Give some thought as to how much protection you need and compare it to the coverage you currently have through your employer's benefit package. Consider whether you need more or less life insurance, and whether your needs would be better satisfied by term or permanent life insurance. Also, review your disability insurance coverage to determine whether you have enough coverage.
The Bottom Line
Be cautious about setting too many or unrealistic financial goals. Otherwise, you may be unable to accomplish any of them. Take this opportunity to restate your financial resolutions simply and clearly for the New Year. It may be a good idea to maintain a checklist to keep track of how you are doing throughout the year, so that you can make any necessary modifications. Consider meeting with your financial advisor to review the goals and objectives that you have established.


Read more: Financial New Year's Resolutions You Can Keep | Investopedia http://www.investopedia.com/articles/pf/06/newyear.asp#ixzz4SZyYFKzM
Follow us: Investopedia on Facebook


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, Johnny Walton 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Thursday, December 15, 2016

Got Insurance? What will you need during your 40's?

Life is flying by... the kids are growing and getting on with their own lives, but life is fun.  You are traveling more, and you have more toys. Life is enjoyable and exhilarating! Take the time to review and be certain you have the right insurance for your protection. here are some things you need to know to make an informed decision, suggested by  www.businessinsider.com

Purchasing a Vacation Home?  You will need a policy to protect the structure of your vacation home, your liability exposure, and any personal belongings.  Your Trusted Choice agent will work with your realtor and your lender and will assist you in determining the appropriate Replacement Cost to protect your vacation home from natural disasters and other risks.  Ask about discounts and credits you can apply to your policy for bundling policies with the same carrier.

Got Toys?  Be sure you have your expensive toys insured.  Now is the time for motorcycle insurance and boat insurance.  Even golf carts and ATVs and jet skis need coverage.  Any large purchases of jewelry and furs and artwork should be added as a Scheduled Item on your home policy.

Looking to the future?  The younger you are when you purchase Long Term Care protection, the lower your rate will be.  This insurance covers people who are aging or disabled and need help with daily living whether in a nursing home or at their own home. 

Got to have an Umbrella!  You have much to lose, and if you now have young drives, your odds of a loss are significantly higher.  An umbrella will give you extended protection over your underlying policies.  Your Trusted Choice agent will offer you options to enhance your protection.
 
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, Johnny Walton 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Wednesday, November 30, 2016

Got Insurance? What will you need during your 30's?

Another decade of your active life... time for settling in with a new home and family and growth in your assets.  Life is stressful but fulfilling.  You realize you have more responsibilities and more at risk. Do you have the right insurance for your protection? Maybe yes, and maybe no --- here are some things you need to know to make an informed decision, suggested by  www.businessinsider.com

Ready to close on a New Home?  Homeowners insurance is required to protect the structure of your home, your liability exposure, and your belongings.  Your Trusted Choice agent will work with your realtor and your lender and will assist you in determining the appropriate Replacement Cost to protect your home and belonging  from fire, theft tornadoes, flood and other natural disasters.  Liability coverage will protect you if a visitor is injured on your property Also ask about discounts and credits you can apply to your policy for well-maintaining your property and removing hazards, as well as fortifying your home to protect against perils, and making your home more energy efficient.

Increasing the size of your family?  Life insurance and Disability Insurance should be on your horizon for the future needs of those you love if you should be injured of die.  Check with your Trusted Choice Agent for options.  Calculate your coverage needs at www.lifehappens.org 

Ready for a Umbrella?  As you accumulate assets and wealth, you have more to lose, so you should look at adding a low cost umbrella insurance policy to your portfolio which will give you extended protection over your underlying policies.  Your Trusted Choice agent will offer you options to enhance your protection.
 
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, Johnny Walton 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Saturday, November 19, 2016

Got Insurance? What will you need during your 20's?

Life speeds by... you have fun and work hard in college, get a degree, and you open your eyes and find yourself out on your own.  You must make your own decisions and embrace life.  You have a new job and are finalizing major purchases.  Do you need insurance for your protection?  Maybe yes, and maybe no --- here are some things you need to know to make an informed decision, courtesy of www.InsureUonline.org. 

Buying a New Car?  You will definitely need auto insurance, but the rate varies based on the make and model of vehicle.  Before you make your final decision, check with your Trusted Choice agent to find out which of your favorite models is the least expensive to insure.  Also ask about discounts and credits you can apply to your policy for good grades, safe driving record, and more.

Getting a New Apartment?  Renters insurance is highly recommended and is very inexpensive.  Liability coverage will protect you from property damage or injuries if something bad happens on your property.  Contents coverage protects your furniture and electronics in the event of a fire or theft.  Check with your Trusted Choice Agent for options.

Hunting For A New Job?  At every age, health insurance is highly recommended.  The cost is less when you are young, and will protect you in the event of an unfortunate accident.  Ask your employer what is offered, and take advantage of wellness programs.  If your employer does not provide the coverage, discuss with your Trusted Insurance Advisor.

Walking Down the Aisle?  Many things change when you combine households.  Combining auto policies may even save you money.  You will want to be sure that your new beautiful ring is covered too!

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, Johnny Walton 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@southgroupgulfcoast.com, phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel !

We have 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!
#trustedchoice #southgroup
#southgroup   @stateauto  @libertymutual @TRV_insurance @safecoinsurance @progressive #savemoney @atreutel

Thursday, September 15, 2016

How to Save Money When Buying Life Insurance

You aren't getting any younger.  We are not promised tomorrow.  You owe  owe owe, and you don't want to leave a burden on your family if something happens to you.  You want to do estate planning. You want to ensure that your children will have the resources needed to attend college if you are no longer around.   You want your business to be able to continue without you.  So many reasons to obtain a life insurance policy.  Here's the catch --- you will not get to enjoy the proceeds -- 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 Total Annual Bills, 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.

Ways to save money on life insurance -
1) Look into Term insurance (lower cost) and invest the difference
2) Avoid "guaranteed issue" if you are healthy
3) Get your Trusted Choice Agent to shop around for you and customize your coverages based on what you really need
4) Buy life insurance as early as you identify the need (the younger and healthier you are, the lower the rate)
5) Pay for your coverage annually instead of monthly (this reduces fees)
6) Obtain a re-evaluation if your health or life style changes for the better (examples: stop smoking, lose and maintain weight loss
7) Get healthy!
8) Focus on financially sound insurance companies
9) Choose a policy with a renewal guarantee to prevent the possibility of being uninsurable when your term expires.
10) Keep your policy up to date and your payments up to date to avoid penalties.

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 #savemoney @progressive



Tuesday, August 30, 2016

Yikes! Eight "historic" floods so far this year - it's not a coincidence!

Yikes! Eight extreme floods in the US this year alone left countless homeless--and only 10% of those impacted were covered by flood insurance.  What's wrong with this picture?       

THE REALITY: we are seeing more extreme rainfall amounts, and we need to realize  - your home is at risk no matter where you live.  Anywhere it rains, it can flood.  Unless you have a few hundred thousand dollars in your savings account, you should buy flood insurance.  Our risk of flooding is changing as both the intensity and frequency of storms reach more dangerous levels.  For the safety of your family and your financial security, re-consider buying flood insurance.

Extreme rainfall, high water levels and resultant "historic" floods are happening way too frequently...it's not a coincidence.  Per the National Weather Service the "rainstorm in Southwest Louisiana is at least the eighth 500-year rainfall event across America in little more than a year, including similar extreme downpours in:
Oklahoma - May
Texas  May & October
West Virginia - June
South Carolina - October
Maryland - July
Northern Louisiana - March
And in Houston, they have experienced the fourth major flood in that region in a span of a year; and that flood has been rated one-in-10,000-year event.  

The severity and frequency of extreme rainfall are both increasing due to the reality of warmer oceans, greater humidity in the atmosphere and overwhelmed, aging drainage systems.  More subdivisions and levees have been built and displaced more water.  The water has to go somewhere.
We can't use the old excuse -It doesn't flood here,  -It hasn't flooded in 40 years,  -The flood map says low risk-- these arguments no longer apply.  After an extreme flood, we can't say "we have 100 more years before the next flood"  ---  wrong, wrong wrong.  

Wherever it rains, it can flood.  Be realistic and responsible about your actual flood risk. Count on the weather to be unpredictable--and increasingly more extreme. 
Only you know your financial capacity to recover from a flood, without insurance.
Only you can decide if paying the average $700 annual premium makes more sense than struggling to cover $37,000 in flood repairs without insurance. 
Only you know if your small business could reopen after being wiped out after flood.
Only you know if the 20% risk in the low risk flood zone is an acceptable gamble to your family.  Learn how flood insurance works.
Only you know how you will manage an "extreme" flood event if it comes to your home.

Make the right decision.  Buy flood insurance.  Your future depends on it!  

There are new insurance companies that are offering private flood coverage.  This provides you with more options on your coverages and pricing!
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 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, Johnny Walton, 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 2 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 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 #savemoney @progressive