Tag Archives: commerical

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Make sure you have the right life insurance coverage for your family

9 Tips for Buying Life Insurance for the First Time

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Buying life insurance for the first time can be a daunting experience, but knowing why, when and how to buy life insurance can make the whole experience a lot easier. Before you contact your insurance agent, check out these nine simple tips on how to make the whole process less complicated.

  1. Why are you buying life insurance? The main reason that people buy life insurance is to provide financial security for their children or spouse. The benefits of your life insurance payout can be used to pay for funeral costs, the remaining balance of a mortgage or college tuition, or just to replace the income that you provide for your dependents.
  2. When should you buy life insurance? Life insurance is less expensive the younger you are when you buy it. While your needs may change as you age (additional beneficiaries, increased expenses, and so on) you can always add another policy. Some life insurance policies also allow for conversions and upgrades when your needs change.
  3. Who are your beneficiaries? Your beneficiaries can be a person, a business, or a charity. Before buying a life insurance policy it is important to know who your beneficiaries are so that you can buy a plan that will meet their needs.
  4. How do you make sure your benefits go to whom they’re supposed to? By having a last will and testament you can make sure that your life insurance benefits are paid out to the proper beneficiaries.
  5. How much coverage do you need? A general rule of thumb is to buy coverage that is equal to eight years of your salary, but this is not set in stone. Everybody’s needs are different in this regard. It’s good advice to speak with a financial professional to get a better understanding as to what kind of coverage you need before speaking to an insurance agent.
  6. What type of policy is right for you? There are two main types of life insurance policies: -term life and permanent life.

A term life policy is purchased for a specific period of time. If your term life period expires before you pass away then your benefits will not be paid out. Some term life policies can be converted to whole life policies before they expire, so it’s important to know whether or not your policy can be converted. The benefit of a term life policy is that they are generally much less expensive than whole life policies.

A whole life policy provides lifelong protection, and some whole life policies even gain interest. A whole life policy is more expensive than a term life policy because it often accumulates cash value and is designed for a longer period of time.

  1. How much coverage should you buy? Two things to consider in regards to how much coverage you should buy are what you need and what you can afford. You don’t want to buy life insurance that you can’t afford. Find out what coverage you need, and then discuss with your insurance agent to find the best way to cover your needs within your budget.
  2. Should you buy your policy through the insurance company or an independent agent? You should buy your life insurance policy through an independent agent. An insurance company can only sell you what they offer, but an independent agent can shop multiple insurance companies to find you a policy that best fits your needs.
  3. How should you choose your insurance company? It is important to choose a quality provider. This is another benefit of using an independent agent to find your policy for you. An independent insurance agency will know which companies have the best rating and will still be around to pay out your benefits. Many of the top rated insurers have liability to pay out to their customers even if the company itself goes under. You can also check out a qualified rating service like A.M. Best Rating Services, which rates insurance companies for consumers.

Talk to a Yetter insurance agent for more information about obtaining a new life insurance policy. We’ll help you choose the right plan that fits your needs. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 


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Life Insurance for the aging

Living Longer than Expected

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Four tips on what to do when you outlive your term life insurance policy

Buying life insurance is a difficult decision, and no one wants to think about their eventual passing, but what is one to do if they outlive their term life insurance policy?

  • If you are approaching the expiration of your term life policy, you can convert it to a permanent policy, such as a whole life or universal life policy. The premium may be higher, but the protection of a permanent policy is valuable and you may be able to skip some of the medical exams.
  • You can buy a new term life policy. This will not include the previous policy, and thus you’ll be starting over from scratch, but this option will offer you a lower monthly premium than converting your previous policy. That said, it may be that your needs are not the same as when you first bought your policy, which can affect the price of your premiums.
  • If your needs are not the same as when you bought your initial policy it might also be beneficial to buy a new whole life or universal life policy. The premiums will still be higher than buying a new term life policy for the same coverage, but this will be guaranteed to last and grow for your entire lifetime.
  • For some, the best option may be to buy a new whole life or universal plan that upgrades their previous plan. Many choose term life policies for financial reasons, and years later the same individual may be able to afford a much better plan that will provide their loved ones with more than just security. For those who have done well financially, buying (or upgrading to) a better policy that is guaranteed to last a lifetime could be the best choice.

When buying life insurance it all comes down to what you can afford, and what you need. Some are just looking to cover their funeral and pay their debts, others may want to send their children or grandchildren to college or leave their spouse enough money to live comfortably once they are gone. It is up to you to decide what kind of policy is best for you and your family.

For more information about obtaining a new life insurance plan or upgrading an existing one, talk to your Yetter Insurance Agent. We’ll help you choose the right plan that fits your needs. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

Resource: https://www.erieinsurance.com/blog/2016/outlive-term-life-insurance-policy

 


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Don't post about your trip before traveling.

Safeguard your Home Before your Next Trip

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Summer is finally here and the kids are out of school, which means it’s time to start planning your summer vacation. Are you keeping in mind the proper security your home will need while you’re away? It’s important that you take some time to consider what you would do in case of a burglary and what you can do to prevent it from happening to you. Whether you are going away for a few days or a few weeks, here are steps to safeguard your home.

Safeguarding Tips

  1. Stay off of social media. Announcing that you are going away on vacation or currently on vacation could end up being a big mistake. This allows everyone to know what your travel plans are and that your home may be unoccupied. If you are someone who can’t resist the excitement, then make sure to turn off your location status on any public forum.

July Blog

  1. Become close with your neighbors. Let your next door neighbors know that you will be away and ask them to keep a watch on your home. Have them grab your newspaper and mail because a pile of it outside your home is a sure sign of absence, or stop the deliveries completely for the duration of your trip.

 

  1. Use your locks. Criminals are very good at spotting a hidden spare key. If you must leave a spare key somewhere, then ask your neighbor if you could leave it with them. We recommend getting a quality deadbolt lock, which is the first attempt of stopping an intruder.

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  1. Make it look like someone’s home. A house that looks lived in is less likely to become a target. You can do this by setting timers on lights and noise producing appliances like TVs to give the presence that someone is still around.

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  1. Hide your outdoor valuables. Make sure to place all of your visible and easily accessible belongings, like grills and lawn equipment, into a locked shed.

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  1. And lastly, your car. If you are leaving your car parked in your driveway, make sure you don’t leave the garage door opener inside. This is how many garages get broken into. You can also park your car in the garage to safeguard it from both the elements and theft.

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Have a great summer vacation and talk to your Yetter Insurance Agent about the ways to keep your home safeguarded and properly insured. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office at 570-296-8329 or visit www.yetterins.com.

 

 

Resources: http://blog.foremost.com/6-Ways-to-Secure-Your-Home-When-You’re-Away.asp

https://www.nationwide.com/preparing-your-home-for-vacation.jsp


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Boat Insurance for Lake Wallenpaupack, PA residents

Let The Cost of Boat Insurance Sink While You Stay Afloat

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Warmer weather and the boating season are quickly approaching and avid boaters are anxious to get out on the water.  Many boaters don’t even think twice about the importance of proper maintenance before riding the waves. It is important to note that a few maintenance tips can actually reduce the need for costly repairs, extend the life of your boat, help ensure the safety of you and your passengers, and keep your boat insurance low. Don’t miss a second of boat season with these basic boat maintenance tips.

  1. Routine inspection– Stay actively involved in the proper maintenance of your boat. Check all aspects of your craft from fraying ropes to loose fittings and to all other areas that need replacement and special attention. Performing a routine inspection yourself, or having a professional do it, can easily prevent damages from happening to your boat.

 

  • Check all fluid levels; replace the oil filter, drive lubricants, and engine oil.
  • Check the belts, cables, and hoses. These can become frail and may crack or swell while sitting out during the winter.
  • Inspect the propellers for any dents, pitting, cracks, and distortion.
  • Don’t forget to check your safety gear. Make sure the life jackets are in good condition and that there are enough on your boat for all passengers. Also, be sure all fire extinguishers on board are the correct class and that they are fully charged.

 

  1. Cleaning and care– Washing your boat regularly, a routine waxing, or the use of anti-fouling paint can prevent long-term environmental wear and tear. Make sure you invest in a cover to keep your boat clean and free from debris such as dirt, bird droppings, water, or falling leaves, all of which can cause damage if left unchecked. A cover can also help prevent UV rays from breaking down hoses and fading carpets and upholstery. Lastly, be sure to clean the deck, topsides, and hull, and make sure the drain plug is securely in place before every launch.

 

  1. Electrical components– Always keep electrical components dry, since many boat failures occur because of corroded electrical systems. Invest in non-conductive grease, water-repellant, or corrosion inhibitor which can preserve your electrical fittings.

 

  • Inspect electrical connections for tightness or cleanliness. Charge and keep your battery clean, as dirt and dampness can drain it, and have it tested to ensure it can hold a charge.  You should have your electrical systems regularly inspected by a qualified technician.

 

  1. Motor maintenance- After every use, flush your engine and look over everything from the clamps on your fuel line for rust, damage or corrosion to your fuel tanks. Also check your oil for proper filtration, cleanliness, and correct levels. Last, but not least, check your engine’s cooling system to make sure it’s functioning correctly.

 

Talk to your Yetter Insurance Agent about ways to lower your insurance costs regarding these boat maintenance tips. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

 

Resources: http://www.safeco.com/boat-insurance/do-more/basic-boat-maintenance-tips

http://blog.foremost.com/tips-to-get-your-boat-ready-for-the-waves.asp

 


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Motorcycle Insurance for Pike County, PA, Wayne County, PA, and Orange County, NY

Spring Motorcycle Preparation and Safety Tips

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Spring is here and many of you just want to get on your bike and enjoy the warm weather. Before you do, did you think about preparing your bike for the ride? Preparation can help protect you and everyone else on the road, as well as lengthening the life of your bike. Here are some preparation and safety tips to make your ride as happy and accident free as possible and to help keep your motorcycle insurance premiums at a minimum.

Tips to Prepare your Bike

Battery

  • Check the terminal connections to ensure that the cables are tightly attached.
  • Make sure the terminals are free of debris, dust, or corrosion, which can cause poor electrical performance.

Tires and Wheels

  • Since the cold weather causes tires to lose air, you should check for proper tire inflation pressure.
  • Check your tires for wear-and-tear. Keep an eye out for any objects, and cracks or grooves that would require replacement.
  • Make sure you check your owner’s manual to determine the bike’s weight limit, as you don’t want to overload it, which can place stress on the tires.

Oil and Fluid

  • Check to make sure your fuel level isn’t low and that there are no leaks.
  • Check the shaft drive, gear oil, hydraulic fluid, coolant, and engine oil, and replace any fluids that are running low.

Controls

  • Ensure the throttle moves freely.
  • Grease all petals and levers to ensure they are not broken.
  • Make sure your bike’s cable doesn’t get in the way of the steering and inspect them all for folds, kinks, or wearing away.
  • Check your hoses for any cuts, cracks, and leaks.

Bike Safety Tips

  • Be aware of any wet or slick roads, and alert for puddles that can cause you to lose control.
  • Always look for cracks and potholes in the road that could cause you to swerve and lose control of your bike.
  • Use your headlights during the day and at night.
  • Don’t tailgate or weave side to side.
  • Don’t drink and ride!

Get motorcycle insurance coverage you can rely on. Your policy will come with the support of a Yetter agent who is as eager to help you as you are to ride your bike.

  • Establish an insurance quote.
  • Ask questions about the claim process.
  • Get helpful tips about the care of your bike.
  • Get discounts so you can save the most.

 

Have a happy spring and talk to your Yetter Insurance Agent about the ways to keep your motorcycle insurance costs low. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

 

Resources: https://www.insurancehotline.com/spring-motorcycle-preparation-checklist/

http://www.autoinsurancecenter.com/motorcycle-tips-for-safe-spring-riding.htm


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Care for your car; preventative maintence helps prevent auto accidents.

Car Care Month: Maintenance Tips to Keep Insurance Down

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Most of us welcome in the spring weather with the cleaning of our homes, offices, and garages, but did you ever think about the importance of your car? Since winter weather can put a beating on your car with all the slush, salt, sand and potholes, it’s important to undo these damages. As the seasons change, so does the maintenance requirements for your car. April is known as National Car Care Month. The following car maintenance tips for spring can help you protect yourself and keep your insurance premiums to a minimum.

So now you may ask, where does my insurance come to play? That’s easy, a well-maintained car could mean less accidents. Less accidents mean lower insurance premiums. Here are a few straightforward car maintenance tips to keep your insurance premium lower.


Oil

Oil should be changed on a regular basis, usually every 3,000 to 5,000 miles (recommended by mechanics), which helps prolong the life of your car. Although, the car make and model, and type of oil used, (synthetic, conventional, or high performance) will alter the number of miles between changes. There are many benefits of adding new, clean oil to your car, such as better gas mileage, your engine running more efficiently and less debris in your system.

Brakes
Your brakes should be inspected regularly since your pads and shoes will wear and tear between every 20,000 and 60,000 miles, and eventually need to be replaced. When you are driving and have to step on the brake pedal, make sure you are paying attention to how the brakes feel and listen for any strange noises like grinding, screeching, clicking, or the car pulling to one side. Also make sure you are aware of any warning lights up on your dashboard.

Tires
Changing your tires and rotating them regularly is also important. If you are not sure when they should be rotated, the type of car model, usage, and tires will determine how many miles your car can go between rotations. Your car will operate better, your tires will last longer, and your gas mileage will improve if you have your mechanic change your tires from driver side to passenger side or front to back.

Plugs
Your spark plugs are an integral part of your car’s motor, and if they are not checked with a regular service, cleaned, or changed when needed, they could cause major problems like choking the engine or causing the catalytic converter to fail. If your car is having trouble starting, the idling is rough, it jerks while driving, or gas mileage gets worse, then this mean it’s time for new spark plugs.

Filter
Keeping your car’s air filter clean and replacing it every 30,000-45,000 miles (depending on your car model) is also extremely important. Air filters are used to keep debris and dirt from entering, which can end up causing a bigger problem. Changing your car filter is another thing you can do on your own to avoid taking it to your repairman.

Lights
Make sure your brake lights, headlights, and taillights are always clean and working. It can be easy to change out your lightbulbs rather than taking it to the repairman, but make sure to do it as soon as possible.

 

Talk to your Yetter Insurance Agent about ways to lower your insurance costs regarding these car maintenance tips. We’ll help make sure you get the best help possible. Contact Yetter Insurance today at our Milford office. Visit www.yetterins.com or call 570-296-8329.

 

Resources: http://www.enhancedinsurance.com/simple-car-maintenance-tips-keep-premium-lower/


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Data Breach Insurance sold by Yetter Insurance Agency

Protect Your Business Against a Data Breach

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In today’s world, technology plays an enormous part when it comes to having a positive impact, but it also has its risks, like the risk of a data breach.

A data breach is when confidential information is stolen, copied, viewed, transmitted, or used by an unauthorized person. Since many businesses are doing their transactions online with a constant internet connection, you are more accessible to a data breach. This is not the only reason data breaches occur.  A common reason for data breach is due to employee mistakes and carelessness in business operations.

Data breach insurance helps to cover a variety of your liability and response expense losses.  Here are 10 things you can do to prevent a data breach from happening and safeguard your important information.

  1. Make sure all computers are secured by password protection and update passwords frequently. You should also keep multiple levels of passwords in order to access databases that are storing any kind of personal information.
  1. You should always make sure your important data is stored in an encrypted database. This is the process of converting data, within a database, in plain text format into a suitable algorithm. This may be costly and requires more storage space than unencrypted data, but it offers superior protection.
  1. You should also always make sure that your firewalls are up and secure. It is important that you have malware detection software active on all servers and workstations. These should be kept up-to-date!
  1. When you collect information, make sure to keep only what you need by minimizing the places you store personal data and retain only what is necessary.
  1. Educate your employees on what information is sensitive and what their responsibilities are when it comes to protecting that data. You can do this by providing a written policy about the importance of privacy and the security of data.
  1. The use of portable media, such as CDs, DVDs, and USB flash drives are more vulnerable to theft. You should only allow encrypted data to these portable storage devices.
  1. Never use social security numbers or client account numbers as employee identifications.
  1. All physical records should be locked in a secured location, with restricted access to only the employees who need to obtain personal data. The employees who are accessing this information should be given a background check beforehand.
  1. Before disposing of any private information, all paper files containing private information should be shredded, all portable media should be destroyed. If you are trying to delete files from your computer, or reformat hard drives, use a software design to permanently wipe the files clear.
  1. Lastly, call your Yetter Insurance Agent today to apply for data breach insurance coverage.

For a more thorough analysis of your risk exposures and what you can do to help minimize your exposure, talk to your Yetter Insurance Agent. We’ll help make sure you get the best coverage possible. Contact Yetter Insurance today at our Milford office; visit www.yetterins.com or call 570.296-8329.

 

Sources: Central-Insurance.comForbes


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Life insurance helps you plan for your family's financial future

Protect The Ones You Love With Life Insurance

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CALL US TODAY FOR A QUOTE 570.296.8329


 

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Make sure your business is protected with Workers Compensation insurance

10 Tips to Keep the Workplace Safe and Lower Costs

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Even though employment can contribute positively to a worker’s physical health, each year, many workers experience a work-related injury or illness. Not all industries are the same, so safety tips for work environments are different according to the type of work and potential injuries. Here are things you can do throughout the year that will help you keep your workplace safe and your workers’ compensation premiums low.

1. Safety procedures should be enforced. Having safety-training programs available for your employees and rules in the work place is a way of showing your employees you care for their wellbeing while keeping insurance costs down.

2. In addition to safety training programs, it’s just as important to review the safety policies with employees on a regular basis.

3. Train employees what to do in case of emergencies. Establish protocols for different types of emergencies, like fire, injury, or hazardous spill, and practice drills regularly.

4. Make sure that spills and other potential hazards are cleaned up immediately to avoid any slips or falls.

5. Allow your employees frequent breaks when necessary so you are not working them to the point of overexertion! Tired employees are more at risk for injury or to cause an accident.

6. Suitable training on how to use industry tools and materials should be done before employees start work. This could include proper lifting techniques for heavy objects and using all necessary safety equipment, such as goggles, gloves and respirators when necessary.

7. Listen to your workers about any concerns they may have on potentially hazardous processes and unsafe conditions. Assess the situation and consider what safety improvements can be made.

8. Reducing repetitive motion disorders can help keep premiums at a minimum in preventing workplace injuries. Here are a few ways to avoid this:

• Train your employees about the repetitive motion disorder risk factors in the workplace
• Include frequent breaks
• Vary tasks so that repetitive hand movements are alternated with other work
• Set reasonable deadlines

9. Keep a safety checklist with all potential hazards in your workplace in order for the managers to discover potential hazards.

10. Give an honest representation right away of what your employees do in their occupation to avoid the risk of cancellation after an “audit” or inspection.

Talk to your Yetter Insurance agent about ways to lower workers’ compensation insurance costs. We’ll help make sure you get the best help possible and will get you in contact with our loss control consultants to create an account with Grainger online Safety Manager. Contact Yetter Insurance Agency today at our Milford office. Visit www.yetterins.com or call 570.296-8329.

Sources:
http://www.jvrcinsurance.com/business-insurance-blog/safety-tips-work
http://www.labour.gov.on.ca/english/hs/pubs/ergonomics/is_ergonomics.php


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