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These articles provide practical, helpful info about Life and Health Insurance concerns. Life & Health
Dont miss out on tips and important facts for home owners, car owners and more! Personal Protection
Good advice for small to medium-size businesses. Hands-on, easy to read. Business Protection
Your Employee Matters. A guide to Workplace Culture and Compliance. Employee Matters
For any business with employees! Special updates, and advice on holding down Workers Comp claims. Workers Comp
Scurich Insurances can provide commercial packages, farm bureau discounts, farm packages, workers compensation, professional liability, umbrella, group benefits group life & health personal auto , home, life, health and much more. We can also help you plan wisely and guide you in the evaluation of risk management, We serve Watsonville, California and surrounding areas. We represent over 50 Insurance carriers to better protect your business. Find out more at www.scurichinsurance.com
Tony Scurich, Principal/Broker – Scurich Insurance – Part 2
Tony has been in the insurance business since 1981 and with Scurich Insurance since 1983. He feels the biggest misconception that the public has today about insurance costs is that a cheaper policy is better; however it is not always the best policy. The public has a perception that insurance agents just try and pad their bank accounts, when really they are just finding gaps in coverage for a customer. This benefits them if a claim is filed in the future, so they are adequately covered.
Tony says that the most critical coverage for a young family is life insurance, especially when you are younger, because it is cheaper to obtain. For an elderly person, long term care is most important and businesses need to have sufficient liability coverage and business interruption. Tony feels the Scurich Insurance brings a lot of value and education to their customers with a staff that is always there to understand and solve customer issues.
Term life insurance in general can be purchased for large amounts with a low premium to start out. This can be a good option for those with short term needs such as coverage for a home mortgage, outstanding debt, educational costs, or a car loan. The appropriate policy will be affordable and cover any or all of these expenses to give you the peace of mind that large bills will be handled.
Permanent life insurance offers a level payment for a coverage amount that you choose and an account value that suits your lifelong needs based on factors such as children, marital status, income, and monthly expenses. This is a very convenient option for those looking to fulfill a loved one’s needs, finalize expenses, complete estate planning, make contributions to charity, implement a business legacy, or have access to accumulated cash value.
Scurich Insurance can help you with many types of Life Insurance. For more information, please contact us at 1-800-320-3666
The biggest difference between whole life insurance and term life insurance is the length of time you are insured for. With whole life insurance you are ensured for your entire life. With term life insures you for are insured for a specified period of time, that expires by a certain age (usually 75) and if you have not died there is no payout. Some sound whole life insurance advice is to explore both options carefully.
Whole life premiums are higher than term life; however, you are also covered for your entire life. With term life each time the term renews the premiums go up so in the end it costs more than whole life. Some good whole life insurance advice is to compare premium rates between different providers.
Scurich Insurance can get you covered with Life Insurance.
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Most people who have life insurance tend to believe that they have enough because what they have can take care of final bills and expenses. Too many people only possess work related life insurance and even fewer have any insurance at all. The truth is you should have a policy that can pay out close to ten times what you earn annually.
Not thinking long term Oftentimes people think only in the short term when buying life insurance. They do not consider say, how much longer after they have passed should their family be supported by the insurance payout.
Thinking that it costs too much One of the main complaints and reason people have for not getting life insurance is that it costs too much. But if you shop around you are likely to find a policy that suits your budget and needs.
Failure to update a policy When certain life altering event occurs such as marriage, child birth, or divorce, then it could be time that your insurance policy is updated. Many people tend to forget to do this when these event occur.
