Having a life insurance policy provides more than just peace of mind knowing your family (or named beneficiaries) will be taken care of in the event of your death. A life insurance payout can provide the necessary funds to pay a mortgage or other debts, such as school tuition or loans, thus leaving your loved ones financially stable.

A change of season in Greenville is the perfect time to update and throw yourself into healthy routines and a happier life. What things do you do in the cold weather maintain a healthy and happy life in Greenville? Here are 7 tips we’ve put together for you and your family.

While there are multiple places to buy travel insurance from, an airline, cruise, independent insurance agency, most people question if they need to purchase travel insurance at all, or if it’s simply a waste of money. Travel insurance is meant to protect you from unforeseen accidents while traveling, like your flight getting canceled or baggage being lost. And whether or not you purchase it depends on a variety of factors.

No, not that kind of bundling. We’re talking about insurance bundling. We’re talking about having your home, car, life, and say, boat insurance under one policy, or with one insurance company. -That kind of bundling. So is insurance bundling necessary? Well, there’s a long and short answer, and for us in the digital age, we almost always want the short answer. So, here it goes: bundling is never necessary, however, it is necessary if you want to achieve these four things . . . Potentially save 25% on your premium. We’ve seen homeowners who have saved up to 35% on their home, car, and life insurance. True story. Have the ease and convenience of paying one bill and having a consistent source of insurance history and claims records. Avoid having to pay different deductibles for different policies. This feature is beneficial if you live in catastrophe prone areas where all your property could be damaged at the same time. Have a smoother and more streamlined claims process during claim time. With a bundled policy, you’ll deal with one company and the claim adjuster(s) they’ll send to assess your home and car damages (i.e in the event of a fire), will already have your case in one place. This convenience can’t be underestimated during a time of a disaster. The long answer is, you really have to shop around and take everything into consideration, like getting the right protection and your overall insurance costs. Then you have to ask yourself: “ am I bundling for a discount, or am I packaging for protection? ”

Winter brings warm and cozy holidays, exciting new year celebrations and—for many—freezing cold mornings and nights spent hunting in Greenville. No matter where you live in, there’s something for every hunter out there, from big game to small game, just be sure to check with local regulations on the Fish and Wildlife Service to make sure the game you’re hunting is in season and that you have the correct hunting license. Regardless of season or game, safety should always be top of mind when hunting, especially during the winter time in Greenville when colder weather can add new risks and affect decision making.

In these last summer months, we’ve been hearing about this fatal condition that goes by a few names: Secondary Drowning, DryFloating Lifebealt Drowning, and Parking Lot Drowning. It occurs when someone accidentally inhales water into their lungs. A news story kept making headlines this summer when a young boy fell into a pool and nearly drowned. He was rescued and recovered quite well, but later that day, he was rushed to the hospital after showing signs of secondary drowning. If his symptoms had gone unnoticed, the young boy would have died. Secondary drowning may be a rare occurrence, but it is something all parents and pool attendees should be aware of since children, and even adults, play and roughhouse in water all the time.

Insurance is very abstract until you need it, minus that pesky bill that comes reminding you at every renewal. Then, when you do need it there is that blasted deductible. Can be very frustrating. Insurance is about managing risk. How much risk do you want to maintain and how much do you want to transfer to the insurance company. Your deductible is the measured amount that you are still willing to take on yourself. When I meet with clients we look at a couple of factors: What is your disposable income in order to financially replace money spent on a deductible? What does your emergency savings account look like? How much will it save on your insurance premium by taking a higher deductible and is it worth it? Choosing your deductible directly relates to how much money you have in your emergency account and how long it would take to replace this amount if spent. Just renewing your insurance year after year without review can be dangerous to your fanancial stability. If your agent is not asking you about your deductilbles you should be asking him/her.