What Insurance Do I Need When I Am In My 40s?

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! Your 40s are often a time of peak responsibility—career advancement, raising children, caring for aging parents, and building long-term financial security. With so much at stake, having the right insurance coverage is essential to protect what you’ve worked hard to build. 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.  Also consider whole life insurance which can provide you with flexibility as you age and have to deal with catastophic situations.  Your income is your most valuable asset. Disability insurance protects you if illness or injury prevents you from working. Many employers offer basic coverage, but consider supplementing with a private policy for more comprehensive protection.

Got to have an Umbrella!  You have much to lose, and if you now have young drivers, 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.

Final Thoughts Insurance in your 40s is about protecting your family and securing your financial future. Regularly review your coverage with a trusted advisor to ensure it evolves with your life. A little planning today can prevent major setbacks tomorrow.

Angelyn Zeringue is President of SouthGroup Insurance Services, a CPA, PWCAM, CBIA, and licensed Trusted Choice Insurance Agent.  Reach Angelyn at www.southgroupgulfcoast.com, (228) 385-1177,  azeringue@southgroup.net.

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 locations!

To help you through the maze of coverages, carriers, premiums, and find ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ , SERVICE TEAM: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Melissa Dunn,  Anne Gillam, Mark Strickland, Joseph Eagle, Michael Scardino, Melinda Teaford, Wendy Butler, Gabriella Scardino, Tiffany Nguyen, Alexa Weldon, Denise Pickers and Brittany Eagle at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgroupgulfcoast.com, phone or text:228-466-4498 or 228-385-1177, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have more locations to serve you - 2505 Pass Road - Biloxi and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

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