Posts Tagged ‘pekin insurance’

How surprised would you be if you went to buy the new iPhone expecting to pay $1,000, but it only cost you $200? You’d be ecstatic!

Tuesday, October 15th, 2019

How surprised would you be if you went to buy the new iPhone expecting to pay $1,000, but it only cost you $200? You’d be ecstatic!

This happens all the time with 44% of millennials overestimating the cost of life insurance by 5x the actual amount. A policy through @PekinInsurance is simple, affordable, and possibly life-changing for your family.

⇢ Send us a message and we’ll review your needs!

5 Reasons to Choose an Independent Insurance Agent Instead of Buying Insurance Online

Sunday, September 1st, 2019

Trust the experts, your local independent insurance agents.

You look for insurance once, then you’re bombarded with digital ads everywhere you go online. These marketing messages promise a quick purchase and a rock-bottom price.

When you start your search with an independent insurance agent, you connect with an expert, an advocate, and a great general resource.

Discover the 5 reasons why you should work with an independent agent instead of buying online.

Here are 5 reasons to choose an independent insurance agent instead of buying online.

1. Agents Ask the Right Questions


An online insurance provider doesn’t always consider your financial needs or life situation.

Here are some examples:

  • A college graduate with $100,000 of student loan debt won’t need the same life insurance policy as a recent retiree who’s finalizing her estate plan.
  • The little local coffee shop should have different business coverage than the huge car dealership down the road.
  • A five-bedroom house shouldn’t be insured the same as a one-bedroom starter home.

You could be single, married, caring for your parents, or looking after disabled family members. These factors determine what coverage you need.

Your independent agent will ask you the right questions and deliver personalized service

2. Agents Offer One-Stop Shopping


Independent agencies offer a wide variety of coverages, including:

  • Auto
  • Business
  • Financial products
  • Home
  • Life
  • Renters

If you run a business, some agencies will offer employee benefits like term life, accident insurance, and short-term disability for your employees.

The point is, an independent agent will help you with almost any coverage need you can think of.

3. Agents Value-Hunt for You


Independent agents represent multiple insurance carriers. They value-hunt policies for you to find the right coverage at the right price. They know all about the carriers’ discounts and will find them for you.

4. Agents Are Licensed


We’ll admit it: insurance policies aren’t always easy to read. Adding to that, coverages vary from one state to another and from one company to another.

That’s why agents have to take an exam to earn an insurance license. This gives them the knowledge they need to interpret your policies and help you understand them.

5. Agents Are Local Businesspeople


You support a local business when you purchase a policy from an independent agency. Don’t be surprised to find an insurance agent on your city’s Chamber of Commerce.

Many independent agents take pride in community involvement, whether they donate to charities, coach Little League teams, or attend school board meetings.

The Downside of Online Insurance


The online purchase process gives you convenience and low prices up front. Saving money now doesn’t mean you’ll save money later if you don’t have enough coverage.

Take a moment to think about these examples:

  • State-minimum car insurance probably won’t cover property damage costs and medical bills if you cause a major accident.
  • A small life insurance policy doesn’t account for student loan debt, car payments, mortgages, and living expenses.
  • A homeowners policy without a replacement cost enhancement could put you in a bad place if a fire or natural disaster leaves your home as a total loss.

It’s not all about money, though. You take on risks you might not know about when you don’t have an expert to review the policy with you.

Contact Beck Insurance Agency here or call 4219-446-2777 today.

How to Make a Winter Safety Kit

Wednesday, January 30th, 2019

Today seems to be as good a day as any to share! Our friends at Pekin Insurance created a list of 21 items to keep in your winter car emergency kit for when you’re driving through winter conditions!

Make your kit, put it in your car, then contact Beck Insurance Agency to discuss your auto coverage to ensure you’re properly covered!

 

Why We Ask. Life Insurance Matters.

Monday, August 20th, 2018

Here is a moving video courtesy of Pekin Insurance on the importance of Life Insurance for you and your loved ones.

A new widow left with inadequate life insurance urges every family to make sure they have enough. In this Pekin Insurance video, new widow Catina Lawyer says that life insurance matters for everyone, even younger people, and explains what a difference good life insurance would have made for her.

Please contact Beck Insurance Agency today for a life insurance review. Click or call 877-446-2325 today.

10 of the Best Lake Safety Tips Boat Owners Need to Avoid Accidents

Wednesday, July 18th, 2018

What’s better than a day on the lake? Safety tips to make sure you have as much fun as possible while staying safe.

Fishing. Swimming. Sailing. These are but a few of the fun things you can do when you take your boat out on the lake. Safety tips can add to the fun by ensuring you and your friends don’t get injured or have an accident, leaving you stranded. Because no matter how much fun you have on the water, it feels good to get home and crawl into bed at the end of the day.

For some boaters, lake safety tips might not seem especially relevant. Waters are generally calm, visibility is excellent, and you’re probably just cruising. The reality, however, is that the majority of boating accidents happen on sunny days in calm waters. And according to the U.S. Coast Guard, accidents in lakes, rivers, ponds, and reservoirs account for nearly ten times as many accidents as those that happen in ocean waters.

This isn’t meant to scare you, though. Being aware and informed are essential parts of having fun. Follow these tips for a guaranteed good time on—and in—the water.

Boat Safety

Boat Safety

10 Lake Safety Tips

1. Follow your boating safety checklist.
Your boat safety checklist is your key to ensuring a good time on the lake. Use your checklist to make sure you don’t forget important safety items.

2. Boat defensively.
Be aware of your surroundings and what other boaters are doing. Watch out for wakes and other hazards like sandbars, submerged tree limbs, and debris.

3. Boat courteously.
Take it slow in populated areas, and be conscious of your wake.

4. Wear a lifejacket.
At the very least, there should be one lifejacket for each person on your boat, and children should always have a lifejacket on.

5. Keep an eye on the weather.
Just because it’s calm when you cast off doesn’t mean the weather won’t change. Check the forecast before you take your boat out and know what to expect.

6. Check your surroundings before swimming.
Don’t let anyone jump off the boat before carefully checking the surroundings. There may be large rocks or other hazards in the water that are just deep enough to be out of sight, but still dangerous.

7. Be constantly aware of children.
If a child is missing, check the water immediately. Seconds count.

8. Don’t drink the lake water.
Lake water can be full of microorganisms, some of which can cause severe illness.

9. Know how to escape from strong currents when swimming.
Everyone on your boat needs to know how to get out of strong currents. While this might not be an issue on a calm lake, if you’re boating on a river or in the Great Lakes, it can be a concern. The first step is to remain calm and don’t fight the current. Try to swim parallel to the shore or float until the current subsides, then call for help. The same goes for river currents: relax and go with the current. Swim toward shore if you can, but fighting against the current will only deplete your energy.

10. Know what drowning looks like.
The last thing anyone wants to think about when you’re heading out for a day on the lake is drowning, but that fact is, this knowledge could save a life. According to WebMD, someone waving their arms and calling for help may be in distress, they may need help, and it’s important to recognize that and get help to them quickly. However, active drowning looks very different. Our physiological response to drowning is a “silent, almost calm behavior.”

Water rescue expert Francesco Pia, Ph.D., points out what someone drowning will look like:
•Silent: There’s no spare breath to call for help.
•Bobbing up and down: His mouth sinks below the water’s surface, pops up just enough to breathe and sinks back down.
•Stiff-armed: Instead of waving for help, his arms are out to the side, hands pressed down on the water to keep him afloat. He can’t even reach out to grab a life preserver.
•Still: He won’t be kicking. His body will be straight up and down, almost like he’s standing in the water.

Any time you’re at the lake, safety tips are a vital part of having a good time. And the more you know, the more power you have to ensure the best time possible for you, your family, and your friends.

Courtesy of Pekin Insurance, “Beyond the Expected”.  Original content here.