Life insurance is for those you love. Life insurance is for those you leave behind. When we think about love, death usually doesn’t enter the picture. Those we love make our life worth living. But, don’t the people you love deserve financial stability should something happen to you?
Life insurance is not the easiest topic to deal with due to two primary reasons: people fear death and people fear things they do not understand. Fear many times causes us to freeze and do nothing.
Whether you fear it or not, death is inevitable. Everyone’s life comes to an end and depending on the age and stage of life you are in, your life insurance needs change.
If you fear information overload, being overly or under insured, and having to read through complicated policies with terms you don’t understand, you can put that fear to rest.
The Lake Charles office of Kelly Lee Insurance has home-town neighbors and peers that understand your fears. They are in business to serve individuals in both Lake Area communities and can write policies throughout the State of Louisiana. They are committed to making things easy to understand when explaining life insurance, or any other type of insurance.
Finding life insurance coverage you need at a price you can afford is another specialty of this independent agency. Being able to utilize at least 50 independent insurance carriers enables Kelly Lee Insurance the ability to find the best fit for your needs and budget.
In the event of your death, you want the one you love, the ones you leave behind, to know they have financial stability during and after one of the most difficult periods of their lives.
If you protect those you love from the addition of financial hardship associated with their loss, their grief can be lessened by this act of love. Finding out the best way to provide for your family in the event of your death is a way to show your loved ones how much you care.
Imagine taking just a few minutes to get a quote on life insurance over the internet by using Kelly Lee’s quick quote option. Designed for those who are in a bit of a hurry and know what they need by way of policy and product. If you are willing to spend a little more time, make a no-hassle, no-pressure appointment where you can have a frank conversation about your life, family, needs, and expectations.
At this no obligation meeting, you will learn the difference between Term Life Insurance and Permanent Life Insurance. You may find out that being overly insured in some areas is costing you money and how being under insured could harm your loved ones when your time comes.
This month, show your love with gifts of flowers, candy, romantic dinners, and possibly, the most meaningful gift of all, life insurance that will provide for those you love when you leave them.
Another year begins and when you run a business or organization that means you are looking at expenses from last year. Accounting for your expenditures last year and getting your tax information together for the year end shows you where your money went and will go in the future. As a business owner or leader, you are constantly planning and strategizing wise spending to keep your business or organization productive and fluid.
Did something happen in your organization or to your business last year that took you a while to recover from? If something were to happen to your building that houses the equipment, inventory, and capital investments, could you replace or repair with the current commercial property insurance policy you hold? Do you have business insurance and a worker’s compensation plan for your Lake Charles business? If something were to happen to your business that is covered by commercial business insurance, do you now you could get back to business as soon as possible because of the coverage you selected?
Regardless of the answers to the above questions, you need to shop the best rate for your commercial business or organization coverage. You want to speak to and get information from a local insurance firm that can cover businesses throughout the state of Louisiana.
Whether a small, medium, or large business owner, you want to be treated with respect and given adequate time and options that allow you to explore the questions about the way your policy for commercial property insurance is written especially if this is the first time you our looking at commercial lines of insurance. If this isn’t your first rodeo and you believe you can get a better rate for adequate coverage to repair and replace your building and contents for a covered loss event, you want the convenience of an electronic quote so you can maintain the rapid pace at which you have to move to keep your business running.
Any business needs commercial property insurance and whether you run a farm, build new structures as a contractor, or have a local mom and pop shop that sells art, shoes, or food, you want to look at commercial business coverage to keep you going in the event of a covered loss. Separate policies for worker’s compensation insurance and commercial property insurance can be obtained as well as business owner policies that combine coverage to allow you to get the best rate.
Locally Kelly Lee Insurance would welcome the opportunity to sit down with you and find out about the business you run or own and shop the best rate for commercial coverage for your business or organization. In a hurry and need a quick quote? Kelly Lee Insurance Firm offers a quick, no-hassle on-line quote.
Able to write insurance policies for all of Louisiana means that your multi-location operation need look no further than the Lake Charles insurance firm Kelly Lee. Commercial Lines of insurance written include Business Auto & Commercial Truck coverage, General Liability Policies, Business Owner Policies, and Worker’s Compensation Coverage. Find the best rate to protect your investment and inventory with a proven, engaged, and service-oriented insurance firm, call Kelly Lee today for a free quote.
As business owners know, proper insurance coverage is vital to continued success. Not only can it cover the business if an accident occurs, but it can also provide the confidence customers expect when using the services a business provides. For many businesses, one of the most important but often overlooked areas of insurance involves commercial trailer insurance. Used by a variety of businesses, this specialized insurance provides protection in a number of areas, including comprehensive and collision, medical payments, liability, and uninsured and underinsured motorists. To learn more about various aspects of this insurance, as well as auto home business insurance, look to Kelly Lee Insurance for the answers your business needs.
Variety of Business Options
Since many businesses use large trucks and trailers during the course of their daily activities, commercial trailer insurance can be beneficial to a number of companies. Whether it is building contractors, trucking companies, dump truck service providers, appliance and electronics businesses, delivery companies, tow truck companies, or other similar businesses, having this type of insurance can offer a level of protection that can be very important. After all, in the event of an accident on the road or at a job site, this insurance can be the determining factor in ensuring the business and all parties involved can have their claims settled quickly and fairly.
Since all businesses are different and therefore have different needs when it comes to insurance, Kelly Lee Insurance can work with each customer to provide customized coverage that will best meet their needs. In helping customers, various aspects of insurance coverage are examined in great detail, such as liability, physical damage, non-owned coverage, personal injury protection, and many other areas. And as an added bonus, once the best types of coverage are selected for a customer, their policy can be easily adjusted to show seasonal changes. Not only will this help keep their rates low, but also help with discounts and claims service as well.
Large and Small Businesses
Whether a business is a simple one-man operation or a larger company with hundreds of employees, Kelly Lee Insurance can provide auto home business insurance to meet the needs of all our clients. Working with more than 50 independent insurance carriers, our agency can compare various types of policies and coverage, then present options based on a client's needs and budget. In doing so, companies can get the coverage they need at prices they can afford, creating a win-win situation for everyone.
24/7 Claims Service
In any business where employees are on the road each day, it is inevitable that at some point an accident will occur, requiring a claim to be filed. When this happens, many insurance companies make submitting a claim difficult with traditional office hours. But for clients of Kelly Lee Insurance, the claims process is made as easy as possible. By partnering with carriers who provide 24/7 claims service, clients can be assured they will receive claims service that is fast and fair.
Since commercial trailer insurance can pertain to pickup truck utility trailers as well as large dump body trailers pulled by tractors, it is crucial to have the right insurance that covers your type of business. Rather than work with an agency that has little understanding of the importance of this specialized insurance, it is best to put your trust in the experts at Kelly Lee Insurance. With years of experience and a strong commitment to customer service, you can be sure your auto, home, and business insurance needs will be met by experienced and knowledgeable industry professionals.
Business Insurance – an Investment in Your Future
Owning a business is a large investment of time, money and the future of your small business could rely on securing the right insurance. There is more to running a small business than daily business transactions, as many new business owners discover only too late.
This realization usually occurs when a sudden natural disaster destroys a small business's equipment, data, office, and furnishings. It may also occur in small businesses that have unrecognized liabilities, such as employee injuries or fatalities.
Be Prepared with Comprehensive Auto, Home, and Business Insurance Plan
To determine the actual cost of loss or liability, small business owners usually need the help of a professional insurance agent.
The logical action to take is to choose an insurance professional with substantial experience in your line of work. Pulling from past client experience, your agent will be familiar with potential problems that may result in costly liability.
Five Tips to Insurance Your Small Business
There are five essential tips to consider when insuring your small business. These include:
1. Identifying potential liability
2. Evaluating actual business property coverage
3. Choosing the most cost-effective workers' compensation policy
4. Ability to add on insurance features that result from changes to business practices
5. Specifying insurance coverage for performance and financial loss
Identifying Potential Liability
During the day to day operation of a small business, the owners may not always see details in areas of their business that may be a source of liability. An experienced insurance agent has the knowledge and skill to pinpoint areas that require insurance coverage.
Evaluating Actual Business Property Coverage
For a small business with a storefront, their real property can be a large part of the value of their daily business operations; it is advisable to allow an insurance agent to evaluate the coverage you will need in the event of loss of use.
Choose the Most Cost-Effective Workers Compensation Policy
Workers compensation for business owners with a staff that has a storefront to conduct business should be discussed and reviewed to ensure coverage is adequate to cover medical, burial and death benefits, as well as lost wages.
Ability to Add-On Insurance Features
Small business owners may need the assurance that a claim of liability filed against the business, owners' home, auto, and business insurance policies are adequate to avert financial disaster.
A small business insurance policy should be flexible enough to allow for add-ons that result from changes to business practices. For example, a business owner expands the reach of his target market of customers requiring him to increase the number of employees.
A small business owner may also need commercial auto insurance should they offer delivery service using company vehicles.
Specify Insurance Coverage for Performance and Financial Loss
Most small business owners endeavor to reach 100 percent customer satisfaction. However, from time to time they may encounter a customer complaint regarding business performance. Professional liability insurance, also known as errors and omission insurance, can cover a professional who makes a living off of their expertise.
There is also the potential for financial loss from non-payment by suppliers and customers. It is important to discuss these possibilities and the types of insurance coverage that provides optimal security and confidence to a business owner.
The "Go To" Insurance Expert
Kelly Lee Insurance TWFG has earned the trust of its small business insurance clients, as well as its property and casualty insurance clients. Kelly Lee Insurance provides Auto, Home, Life, and Business Insurance as part of a broad range of insurance coverage. For more information, contact us today.
It’s the law in Louisiana to have insurance on your vehicle. In some geographic areas, it’s a must in Louisiana to have flood insurance on your home. People don’t bat an eye when it comes to insuring home and automobiles, but the thought of life insurance sometimes brings about questions.
Life insurance is protection and investment for the events that occur in the course or span in individuals’ lives. This type of insurance pays out a sum of money either at the death of the individual or after a set amount of time or term.
There are two primary types of life insurance. These two types are term and permanent. Term life insurance is for a defined or specific amount of time. Permanent life insurance is for your entire life or time of your death.
Premium payments on life insurance, the amount of money you pay to be insured, will be different depending on if you have term or permanent life insurance. Term life insurance premiums are normally lower than permanent life insurance premiums.
Two types of permanent life insurance are whole life insurance and universal life insurance. Whole life insurance premiums are usually set coverage amounts for the entire time you have the policy. Universal life insurance commonly allows you flexibility to change your premium and coverage amounts throughout your lifetime.
A similarity for both types of life insurance involves taxes. Death benefits payable for all types of life insurance are usually income tax free.
When looking at the different types of life insurance it is important to note what is being insured or what the policy benefits would pay for upon the holder’s death. Term Life Insurance replaces or pays income during working years. Universal Life Insurance helps meet the need of wealth transfer, protects your income, and possibly can focus on tax-deferred wealth accumulation. Whole life insurance is designed for wealth transfer, preservation, and tax-deferred wealth accumulation.
Wealth transfer is how your assets, that can include wills, estate planning, and trusts, are paid to or transferred to your beneficiaries in a tax efficient way. Tax-deferred wealth accumulation can allow lower tax rates while earning a higher investment rate. These permanent life insurance categories and/or plans are usually lower risk when speaking in relation to traditional investments.
The premiums paid for these plans will depend on risk-related categories. Those categories include things like your family medical history, lifestyle choices (like whether you use tobacco products), and your overall health. The higher the risks, the higher the premiums.
Educating yourself about life insurance is not a difficult thing to do in the Lake Area. The reason it isn’t a difficult thing to do is because there are local companies like Kelly Lee Insurance TWFG Insurance Service were their policy is caring. That means they will sit down and explain what the different type of life insurance policies can do for your children, spouse, parents, or older siblings whose future you want to secure when the time of your death comes.
Just about anyone who earns income owes it to their loved ones and themselves to consider having a conversation for a complimentary quote on premiums. For all types of life insurance with the coverage you need at a price you can afford, Kelly Lee Insurance has access to over 50 independent insurance carriers.
Life Insurance Lake Charles LA: Introduction
Life insurance comes with a bit of red tape, but it can be an essential part of a family's health and well-being. Sometimes choosing the right package can feel overwhelming. There is much to compare. A good agent will ask you a few questions to help narrow down your choices, and outline what is most practical for your situation.
Life Insurance Lake Charles LA: Five Reasons Why Most People Need Protection
Are you the primary breadwinner, or does your family depend on you for support?
If you have young children, you probably need to look into a policy. A life insurance policy can replace your income if you die prematurely. While the family is struggling with your passing, insurance is going to feel like a blessing, as it is going to help you take care of your little ones while your spouse adjusts to your absence.
2) An Inheritance
Life insurance can be used as a form of inheritance for those you leave behind. Your family might not come from a long line of heirs, but life insurance can give you the opportunity to provide for their future. Think of it as a nest egg once you are gone. While you may not be able to afford a $200 million policy, chances are you can leave them something to protect their future. Life insurance can help take care of everyone in the family, including new arrivals for many years to come.
3) Debt Relief
Life insurance can also be used to pay down debts. Your family may be dealing with outstanding car loans or a house note once you pass on. They will now need to take care of everything without you. Losing you will be hard enough. Your loved ones are going to be facing an emotional burden, without life insurance you may also be saddling them with debts that they cannot pay? Life insurance lets you protect their home, transportation and ensures they can simply put groceries on the table.
4) Who Is Going to Take Care of You?
This is a question that a lot of families ask themselves when the breadwinner departs this world. You can give them that security by investing in a life insurance policy. Leave everything in written form for whom you want the money to go. This way your family won’t struggle with coming up with final expenses .
A great deal of stress can come with a death in the family, even more than what we have mentioned. A life insurance policy does not replace the person, but it does show you cared enough to take care of everything prior to death. We have no way of knowing how long we live. Don’t wait until tomorrow to take care of something you can do today. Call Kelly Lee Insurance for an informed, no hassle quote on life insurance today.
It happens to the best of us: you're not paying attention or get distracted for just a second, and bam! You knick a parked car. While this is incredibly annoying and maybe even slightly embarrassing, it is truly not the end of the world. You have options and coverage, especially with auto insurance lake charles. Accidents are the reason we have insurance, right?
When you choose your car insurance policy, you get to make a lot of decisions about the type of coverage you want. That being said, every policy will still include liability coverage, which includes both property damage and bodily injury. This will cover physical damage to a car and also medical bills should somebody get hurt in an accident.
Generally, a parked car accident won't involve bodily injury, but it will involve property damage claims. Property Damage Liability (PDL) is a feature that is found on most car insurance policies. You will file under PDL if you hit a parked car. Here are the steps you need to take if you've hit a parked car:
1) File a Claim
First things first, contact your insurer to file a claim. This will involve an investigation to determine fault, which is obviously very easy if you hit a parked car. The insurer will take the initiative to talk to the other driver's insurance after you have filed your claim and determine what their coverage is. Together, both insurers will decide how much of the damage will be covered by what party.
2) Assessing Damages
The claim adjusters are supposed to determine the maximum amount of responsibility for a claim. The assessment of who owes what, what each insurance company will pay, and what the total costs are, fall to the claim adjusters.
3) Look for Changes in Your Policy Premiums
Because hitting a parked car is an at-fault loss, your premiums are likely to go up from this incident. This may be frustrating, especially in cases where nobody was injured. Another frustration when hitting a parked car is that property damage policies do not cover the damage to your own property because you are the one at fault. So if your car is scraped and damaged, it will fall to you to cover these damages out of pocket. Luckily, most damage to parked cars is fairly minor because of the nature of these accidents.
It is important to note that because damages are assessed based on the total value of the car, sometimes very old and cheap cars may be considered totaled after being hit. This does not happen often but it is something to be aware of.
The amount of coverage going forward with the car will depend on your personal plan and the nature of the accident. You should be covered for at least some of the costs, but the amount that you are covered for is up for question.
Auto insurance lake charles gives you options vehicle coverage. Accidents happen, so be sure to make sure you are covered before they do!
The monetary consequences of the risks you and your family take each day are difficult to pinpoint, are you sure your current liability insurance offers you enough protection?
The Basics of Personal Umbrella Liability Policies
If you are found to be legally responsible for someone becoming injured or damaging someone's property without a personal umbrella liability insurance policy, anything past the limits of your standard liability coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto and watercraft policies.
A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage has been exhausted.
Who Needs an Umbrella Liability Policy?
We recommend that our clients consider carrying an umbrella policy. If you engage in a high-risk hobbies or activities that increases your odds of being sued—such as household teenage drivers, entertaining often or owning a swimming pool - it's prudent to supplement your insurance with a personal umbrella liability policy.
How Much Coverage Do I Need?
You’ll want to take into consideration not only your total personal assets but also your potential personal risks. For example, do you operate a business in your home and have employees and clients to your home on a regular basis? Does your profession or location of your home make you an easy target for a big settlement? Determine your personal risks to evaluate the amount of additional liability coverage that makes the most sense for you.
Coverage starts at $1 million, and can go as high as $10 million. When considering the value of the umbrella policy, discuss your personal needs with Kelly Lee Insurance.
How Much Does Coverage Cost?
Additional liability insurance is inexpensive in comparison to the addional coverage you gain. Depending on the policy value and your personal risk factors, such as recent auto tickets, your credit rating and more, a $1 million umbrella policy typically costs about a dollar per day. Costs go up an additional $50 to $75 for each million thereafter.
Count on Us
Don’t wait for a rainy day to find out you need the additional protection a personal umbrella liability policy can provide. Call TWFG Insurance - Kelly Lee LLC today at (337) 656-2890 to discuss your unique needs and learn about all of our liability insurance solutions.
Know The Risks and Be Prepared
Many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur. Fireworks can not only injure the users but can also affect bystanders.
Most injuries and accidents occur because people often underestimate the dangers posed by fireworks and don’t take proper safety precautions. In fact, the Consumer Product Safety Commission found that more than half of fireworks-related injuries were the result of unexpected ignition or consumers not using fireworks as intended.
Unfortunately, all fireworks carry potential risks of burns, blindness and other injuries, but you can significantly reduce the potential for danger through proper planning and safety.
Tips for Safe Firework Use
When using fireworks, always plan in advance who will shoot them, and what safety precautions will be in place. Here are some suggestions to ensure safety and avoid accidents:
• Keep spectators at a safe distance.
• Never give sparklers to children under five.
• Only use fireworks as intended. Do not alter or combine them, and do not use homemade fireworks.
• Do not carry fireworks in your pocket or shoot them from metal or glass containers.
• Point fireworks away from people, homes, trees, etc.
• Show children how to properly hold sparklers, how to stay far enough away from other children and what not to do; throw, run or fight with sparkler in hand—and always supervise closely.
• Always have a hose or water bucket handy.
• Never try to relight a dud (a firework that didn’t properly ignite).
• Soak all firework debris in water before throwing it away.
• Use fireworks and sparklers outdoors only.
• Wear safety goggles when handling or shooting off fireworks.
• Do not shoot fireworks off while under the influence of alcohol.
Take Precautions, Reduce Risk
Be sure that your celebrations comply with all applicable state and local laws. The laws regulate who can purchase and use fireworks, when they can be purchased and used, and what the maximum noise levels may be. Under these regulations, the focus is not only on product safety but also on the reduction of accidents and injuries to you the consumer.
On June 21, 2018, the U.S. Supreme Court ruled that state governments can collect sales taxes from online retailers, even if a retailer doesn’t have a physical presence in the state. Until this decision, states could only collect taxes from online retailers that had in-state headquarters or another significant connection to that state.
This decision should benefit brick-and-mortar businesses, as sales taxes often forced them to increase prices—making it difficult to compete with the lower prices offered by online retailers. The court’s ruling also said that states should benefit from the decision by gaining access to a new source of tax revenue, estimated to be $33 billion annually across all states and online businesses.
Although critics of the ruling believe that consumers will face higher prices when shopping online, others think that increased competition between online and physical storefronts will cancel out any significant increases.
The ruling has already had a significant impact on the stock values of some major retailers. However, it’s still unclear how small retailers that have an online presence will be affected, and whether states will alter their tax collection practices to account for the size of an online retailer.