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disability insurance

Look Out When Buying Disability Insurance

Whether an individual work in the insurance sector or not, everybody knows about insurance and its benefits. However, most people do not aware of disability insurance and how it can help a disable in protecting income. Although it is possible to tailor disability policy as per individual needs, still it is necessary to consider a few important things while choosing an insurance plan.

Let’s explore a few important factors that you must consider when purchasing disability insurance with Randon James Morris.

1. Prefer Independent Insurance Agent

Either an individual can purchase disability insurance directly from an insurance company or from an independent insurance agent. If you purchase a policy with the help of independent insurance agent, you will be able to overview of all available insurance policy option. Otherwise, sometimes it becomes difficult to gather all information and knowledge about the insurance plan and its benefits, especially when you buy directly from the company. Therefore, experts recommend an independent insurance agent who is referred by an experienced colleague.

2. Apply for Disability Insurance Before You Need It

According to experts including Randon James Morris, it is always better for an individual to buy disability insurance when you are fit and healthy. In most cases, there are policies that require medical underwriting, including your medical records, physical examinations, and test reports. Therefore, it is better if you apply for disability insurance when you are healthy.

3. Evaluate Your Average Income

In disability insurance, an individual’s eligibility depends on his net income. For instance, you are an entrepreneur and your income vary from month to month, it is difficult for insurance companies to figure out your exact income. In such a situation, your insurance agent will ask you for your last three years tax return and divide the figure by 36 months to evaluate your average monthly income.

4. Drop Disability Insurance Policy When You Are Over Retirement Age

If your age is above 65 years, there is no point of holding insurance policy. According to experts including Randon Morris, you must drop the idea of taking disability insurance policy at the retirement age. For instance, you are over 65 years old and you became disabled. At this age, you will consider as retired so the insurance policy won’t pay. Therefore, it is advisable to drop the policy if you hit the age of retirement, as you will not able to avail the benefits from it. If you are still confused, it is better to approach experienced insurance advisor the advice or recommendation.

Final Thoughts

So these are few good tips from to Randon James Morris that you must consider while buying a disability insurance plan. When you invest your money in a disability insurance plan. It is advisable for you to consider all the factors, benefits, and circumstances before choosing the plan. As it is mentioned above, it is always better to hire an insurance agent instead of directly approaching an insurance company. An insurance agent does not get any financial incentive to sell one policy over another. Therefore, he can advise you fairly an insurance plan as per your situation, needs and requirement.

If you have more query to ask related to disability insurance, you can drop your query below in the comment box.

Flood insurance policy

Time to Consider Flood Insurance Policy

In recent years, almost everyone has seen the damage and chaos caused by hurricane wind, excessive rainfall and access of storm waters. While many homeowners fixed the damage with insurance kick, some homeowners even today facing the damage caused by flood waters which are not covered by their policies. Maybe this is the reason why most experts including Randon James Morris, recommend every individual to consider Flood Insurance Policy.

Let’s explore a few major reasons to consider flood insurance policy

1. Get affordable flood insurance policy outside flood-prone areas

Many insurance and risk advisor recommend almost every homeowner to buy flood insurance. Even those who already have basic insurance policy should ask the firm to add flood coverage in it at a reasonable price. Now the question is, how much you need to pay? Well, it is difficult to say as rates usually vary depending on your home’s value and your proximity to a flood plain. Those who live in a flood-prone area can easily get a Flood Insurance Policy at affordable rates. So, if you live in such an area, it is advisable by Randon James Morris to get the insurance today.

2. Property outside a flood zone doesn’t make it safe


Property outside a flood zone doesn’t make it safe

No doubt, it is easy to determine flood zone by past conditions, but it will not be able to help you in predicting future conditions or climates. Even government try its best to estimate where the flood will occur, but if their model is not updated, it may not be able to reflect present condition flooding. No one can exactly predict where the water is going to stop. If you think you live in outside flood reason so your house is safe, hold on, you may be wrong. According to the insurance industry, around 20% of flood insurance claims fall outside the flood zone each year. Whether you live in or outside the flood zone area if you want to keep your property safe, get the flood insurance as soon as possible.

3. Flood damage tends to be disastrous

Floods are one of the most common disasters that cause huge damage to properties. Do you even know how much it can affect you financially? Most times even recovering from an inch of water inside your building becomes difficult. Especially for those who do not have risk cover insurance. Remember, if you do not have flood insurance, you may have to cover the cost of renovation on your own. Therefore, it is advisable to have flood insurance coverage in order to cover the cost of your damage property.

Final Words

So, these are the few major reasons why expert Randon James Morris suggest every individual to choose Flood Insurance Policy. After all, it is always better to take prevention instead of regretting later. What are you waiting for? Go and get the flood insurance today. In case you have more queries or doubts regarding flood insurance coverage, scheme, etc., must consult an expert for the best advice.

Source Link: AllPerfectStories

travel insurance

Tips to Choose the Best Travel Insurance

Whether you are planning your next vacation or business trip, travel insurance is something you should not ignore. Nowadays taking travel insurance is very easy, you have plenty of options to choose from. However, the question is how to choose the best travel insurance for your next trip. And this is where you need to do a little research and comparison.

Let’s find out from where you should buy the next travel insurance with expert Randon James Morris.



Nowadays almost every airline and various travel companies sell travel insurance directly through their booking site as an optional add-on. Mostly it’s an exceptional kind of insurance offered through one of the top-brand travel insurance companies. However, directly companies also offered it as a travel “protection”. You may find the policies more expensive as compared to other comparison sites. Also, it is not possible to view the policy details when you check out, so you have no idea what you’re getting. But according to experts, the major problem comes from cruise lines that sell their own “protection.” You need to remember the fact that the protection doesn’t work once the company goes out of business, said by Randon James Morris.

Credit Card

credit card

A credit card also offers basic travel insurance coverage, which includes any interruption during a trip, rental insurance of rental car, and lost luggage. However, it comes with two major restrictions. First, you have to make the purchase with a card; and second, some of the coverage is secondary (such as car rental coverage) so it works only if your primary policy has been used. Needless to say, for some travellers, that’s enough. And yes it doesn’t include compensation for medical coverage. So on longer trips, where you need medical coverage, it is better to choose a full-featured travel insurance policy.


direct travel insurance

Many travel insurance companies have websites that sell policies directly to consumers. Sometimes, you may find an all-inclusive policy at the best price, and it becomes easy to compare policies when they’re offered by the same insurance firm. However, true comparison shopping is impossible. You may deal with few hurdles like unclear terms, trouble getting someone on the phone, and usually less personalized experience.

Travel Agent

travel agencies

Many travel agencies are there who sell insurance too. Most people prefer a human travel agent, as he can act as a personal shopper for travel insurance, also recommend you the right policy and then helping you buy it. No doubt, even a travel advisor can also help you in case you have to file a claim. However, according to an expert Randon James Morris the policies you buy through an online travel agency almost similar to the type you get through an airline or other travel agency — a one-size-fits-all solution.

Final Words

So, now what do you think? From where you should buy travel insurance for you and your family? Take your time and do consider these points mentioned by Randon James Morris before you make any decision. In the end, it is about you and your family.

Originally Posted: https://www.allperfectstories.com/get-the-best-travel-insurance-2019/

Tips to Protect your Home from Wildfires

Wildfires may be not a regular thing in the United States, however, there is always a risk in California and other Western states due to many reasons including the natural cycles of dry, hot weather, etc. Yet planting of fire-fueling vegetation, construction techniques, and other alterations to the area is making the fires bigger, hotter, and more hazardous than ever before. It is obvious that wildfires caused by human behavior can easily threaten any home or commercial in the country.

Therefore, Randon James Morris says, it’s vital to understand what kind of insurance policy options you must have in order to protect yourself from the losses caused by wildfires.

Insurance Exclusions

Fire Protection Approach

It is exceptionally uncommon, yet conceivable, for a general property holder’s protection approach to reject out of control fires explicitly. The equivalent is valid for leaseholders’ protection and vehicle inclusion. Most approaches for a wide range of individual property incorporate fire harm and pulverization inclusion and don’t reject out of control fires or other disastrous events. Since there’s dependably a little shot that your strategy is one of the uncommon ones that avoid home discharge protection, it’s fundamental to peruse everything about your inclusion in full before depending on presumptions.

Specialty Fire Insurance Coverage

fire insurance coverage

Regardless of whether you have fire inclusion from your present home and collision protection strategies, it is not a bad idea to include explicit insurance. Picking a different strategy enables you to guarantee different structures, for example, sheds, nurseries, pools, and that’s only the tip of the iceberg, at their full substitution esteem. More often than not you’ll buy the protection approach as an expansive range fire bundle, however, you may locate that a few backs up plans in California have arrangements that cover rapidly spreading fire harm alone. These approaches will, in general, accompany a moderately low premium since they’re restricted in what sort of harms they cover, making the assurance certainly justified regardless of the expense. Look at protection rates and you may locate that different approaches really spare you cash over the long haul over a property holder’s protection plan that covers everything under one umbrella arrangement.

Practical Fire Protection

practical fire protection

Apart from a homeowner’s insurance or landlord policy, useful efforts to keep your home in good shape and the cleanliness of yard also helpful in preventing wildfire damage. Insurance only helpful in rebuilding; it can’t prevent the trouble of clearing and the long wait for rebuilding. Practical fire prevention tips include:

  • Thin out trees nearby home, particularly flammable evergreens, to have a 10-foot space between the crowns of mature trees.
  • Build approximately 50 to 100-foot fire-safe space free of trees, shrubs, and tall grasses near your home. In other words, remove few of your favorite landscaping elements, as it could save your life and your home.
  • Eradicate any wood piles, building materials, mulch piles, firewood, and other flammable things from this fire safe zone.
  • Prefer fire-resistant materials including metal siding and roofing or you can choose crushed stone instead of mulch for home renovations and landscaping.

Final Words

insurance policy options

So, these are the tips from Randon James Morris regarding wildfire protection and insurance policy options.

Originally Posted: https://www.allperfectstories.com/wildfire-protection-tips-including-insurance-policy/

Ways to Reduce Car Insurance Premium

Car insurance is a needed expense, however, for many vehicle owners, it’s also a source of financial strain. Now the question is how will you strike a balance? The good news is that there is no particular standard for car insurance rates, and that leaves a lot of room for cost-cutting and negotiation.

These five Strategies from Randon James Morris

Can make quality car insurance more affordable for every household – just watch your rates drop.

1. Assess What You Own

old car

One of the most common mistakes people make while buying car insurance is choosing a plan and then never changing it; When it comes to insurance they believe in ‘set it and forget it’ approach. Sometimes this can backfire, however, as older cars normally don’t require as much insurance. If your car is older and paid off, would you really get it to repair after a major accident? Most of the time it is best to just eliminate accident coverage on older vehicles. Because otherwise, you’re paying to protect a car that’s on the edge of being replaced anyway.

2. Combine Your Plans

combine insurance plans

Insurance companies acknowledge loyal customers by offering a variety of plans. To grab a better deal, then, consider moving your car and home insurance to the same company. Such collective plans come with a bulk insurance rate that will surely save you money overall. The only thing to worry is that usually, all drivers must live at the address of the home insured on the plan, so in case you share your car with a non-resident relative, it might be difficult for you to qualify.

3. Find a Discount Plan

find discount plan

Selecting an insurance plan can be awesome as there are numerous plans and companies to choose from. Regardless of all these options, though, most of the time you’re paying for the name of the plan, not the quality of the coverage. To reduce your costs, get a quote from a discount insurance company instead of from a prominence insurance brand. In the end, the coverage will function in the same way.

4. Mind Your Credit Score

credit score

It may surprise you, but having a bad credit score can raise your car insurance rate. Why is that? Insurance companies use what they term a credit-based insurance score (CBIS) to evaluate whether an individual is risky to insure. People with lower credit scores are considered more likely to file a claim than those with better credit. And this association is logical, as you’ll require more help managing car repairs if you don’t have funds to pay your bills.

5. Learn About Discounts

learn about discounts

Besides cut-rate insurance plans, many firms also provide particular ways to earn a discount. Such as, student drivers with excellent grades often qualify for lower rates, as do drivers who have attended defensive driving courses, individuals who drive cars equipped with certain types of safety and anti-theft equipment, and even associates of certain affinity groups. Anything you can do to prove that you’re a low-risk proposition and determine your responsibility as a driver can act as leverage towards better and affordable insurance plan.

Final Words

responsible driver

Randon James Morris says, putting yourself in debt to ensure your car won’t be good for you and may leave you riding the bus down the road. Therefore, it is better to identify your coverage needs and establish yourself as a responsible driver, then, you can choose a plan that meets your needs without exceeding your budget.

You can reduce your costs and still drive with confidence!

Originally Posted: https://www.allperfectstories.com/lower-car-insurance-premium/

Randon James Morris | When to Recalculate your Life Insurance Needs

According to Randon James Morris, for most people, it is easy to say “I’ll handle that later.” Especially when it comes to life insurance. We assume that we have time to sort out the details of adequate coverage down the road. However, in the end, either we forget it mentally or it’s too late to consider.

Needless to say, life insurance can play a key role in protecting your loved ones financially when you pass away unexpectedly. Often the role of protection plays in your financial plan depends on your life stage.

Here are several examples of when you may want to evaluate your life insurance options:

 Young adults starting their careers

young adults

When an individual settles into his first or second job and takes on responsibility for all financial matters, he needs to balance a myriad of priorities. These may include managing the mortgage of a newly-purchased home or paying off significant student loan debt.

In the happening of your death, it may become difficult for your family to cover your financial obligations out-of-pocket. However, a Life Insurance Plans may help provide the cash flow for your family or other trusted beneficiary to handle your affairs without it becoming a potential burden.

Newly married couples

newly married couple

When you build a life together with your spouse, it’s obvious that your individual financial responsibilities will become intermingled, even if you choose to keep separate bank accounts. If you die prematurely, your spouse could be extremely affected by the loss of your expenses. In such a situation, life insurance can protect the financial contributions of each spouse. It will also help the surviving spouse to carry on without major changes in lifestyle.

Parents of minors or young adults

parents of minors

For many individuals, the need for life insurance becomes a topmost priority following the birth or adoption of a child. If you have or are considering starting a family, this is the right time to evaluate your insurance policies. And make sure that you have enough coverage to meet your family’s everyday expenses, in addition to future financial goals.

Future goals may include everyday living expenses over a period of years, costs for children’s education and retirement savings for the retired spouse. In case you or your spouse is a stay-at-home parent, it’s a nessary to have insurance that covers the potentially significant costs of childcare and increased household expenses your family may incur in his absence.

 Older adults nearing or in retirement

older adults

As you achieved enough wealth or become an empty-nester, necessity for life insurance may decline. However, still, it is better to maintain enough coverage to protect your retirement savings. Once in retirement, the need for a death benefit, which provides a lump sum or annuity payments to the surviving spouse, may become less substantial.

Few types of life insurance policies may offer the flexibility to borrow against accumulated cash values in order to provide cash flow in retirement. Calculate your coverage against what you anticipate spending in retirement to analyze if these or other options could help your situation.

 Final Thought

Review life insurance policy

In the end, your life stage or financial situation doesn’t matter, what is important is to have insurance in place to secure your loved ones financially. Therefore, Randon James Morris advises every individual to regularly review your coverage and ensure it covers the changing needs of your family.

Originally Posted: https://www.allperfectstories.com/recalculate-your-life-insurance-needs/