Life insurance is something that most people consider at some point in their life. However, it can be difficult to really determine if you need it and if you do, how much you actually need. It is also something that many people do not want to think about very often but it can be necessary. Before you go out and purchase life insurance, use these questions to help determine how much you need and if you should purchase it right now.
- Do you have debt? If you have a substantial amount of debt to pay for, then you may want to get enough life insurance to cover the costs so that someone in your family does not have to take on the burden after you pass.
- Do you have family members who rely on your salary to survive? If you are responsible for taking care of someone, whether it is a spouse, a child, or a parent, then you will want to make sure you have enough life insurance to take care of them in the case that you were no longer there. Make sure you have enough to take care of them until they can get back on their feet.
- Do you have money to take care of funeral arrangements? After you die, if you are wanting a funeral, to be buried, or even be cremated, then you should make sure you have enough money in your life insurance policy to pay for those expenses so someone doesn’t have to do it for you.
If you would like to look at your options for your life insurance, you should contact us at Colling Insurance Services, Inc. It can be difficult to figure out the right amount and we would be happy to explore all of your options with you.
With summer right around the corner, many are eager to get outside and enjoy some of their favorite past times. For those who live near waterfronts of all kinds, boating has remained a popular method of recreation for quite some time now. Before you start heading towards the beach, please take the following tips under consideration.
First and foremost, make sure that all of your documents in relation to the boat are up-to-date and readily available. Things change and expire all the time, to avoid any unnecessary complications, make sure that everything is is either current or that you renew it as soon as possible.
Servicing the Boat
In addition to that, there are few things more important than having your boat serviced and making sure that it is fully operational. This can be quite a task depending on the size and model of your boat. Therefore, it may be your best bet to contact a professional to have them inspect your boat annually. This can be a bit costly, depending on which company you use. Nevertheless, you cannot put a price on safety.
Get it Insured
Lastly, make sure your boat is properly insured. Accidents happen. Given the grand nature of most boats and the propensity to cause massive damage, it is vital to ensure your boat is covered for any and all types of potential accidents. Contact Colling Insurance Services, Inc. today to speak with one of our independent agents. Proudly serving the Lakewood, CO area, call, email, or stop in to discuss the type of boat you have, your coverage concerns, and pick the policy that is most suitable for you.