Flor & Associates Insurance Agency

El Paso Texas Insurance Agent Flor & Associates Insurance

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Start the New Year Right: Review Your Insurance Coverage

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I doubt many people enjoy sorting through insurance paperwork, but the paper cuts and headaches are worth the hassle. Some of my friends thought rental cars were included in their car insurance only to find – after being in a car accident – that they weren’t. My friends ended up having to pay their deductible as well as the cost of a rental. Ouch. If they had reviewed their coverage, they might have noticed the gap in it and paid the few extra dollars per month to have a rental included in their auto insurance.

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At the Last-Minute: Business Protection and Tax Deductions

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You are your business’ most valuable asset. Your skills and knowledge are unique. No one can replace you. What would happen to your business if you were unable to work for an extended period of time due to an illness or injury? Would your business survive? If you have Business Expense Protection insurance, it could. If you’re thinking about the new year and your business’ future, Business Expense Protection is the perfect investment. The insurance guarantees that your business will remain open until you are able to return to work, or you decide to sell it. The insurance also offers an immediate tax deduction if obtained before December 31.

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Can you have too much coverage?

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Is it possible to have too much auto insurance? In general, the answer is “no.” Personal Injury Protection (PIP) and Medical Payments can be great, additional coverages on your auto insurance policy. While the two may appear to offer the same protection, each option has its own, unique benefits. For example, Personal Injury Protection will replace lost wages while Medical Payments will pay for medical expenses.

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No-cost life insurance?

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hispanic familyThe phrase “no-cost life insurance” is a little misleading. “No-cost” doesn’t mean a free pass on life insurance; rather, it refers to your ability to be paid in full if you outlive your policy. Another term for this type of policy is “return of premium (ROP) term life insurance.” With this particular insurance, your premiums will be repaid to you, either partially or in full, if no death benefit has been paid by the end of your insurance term. [Read more…] about No-cost life insurance?