​ Many States have enacted a moratorium preventing     insurance   companies from cancelling and non-renewing     policies for non-   payment to the insurance carriers during     the Covid-19 crisis. 
 
 DON'T LOOK AT THIS AS FREE INSURANCE!
 
​The insurance carriers are only delaying your payment due date. This does not apply to automatic payments via bank draft/EFT. Know also, delaying your payment due date does not mean you won’t have to pay at all. What it may do is cause a “balloon” payment to be due when you least expect it. Any unpaid amounts could eventually be turned over to collections if not paid when expected.
 
Don't let your credit history take a hit.
 
What can you do to keep your insurance affordable and still pay on-time?
 
Look at a reducing your insurance coverage.  With auto insurance, you must (at least) have minimum liability as required by most state laws. If your vehicle is financed, you must secure the lien holder’s interest by having comprehensive & collision coverage.  However, you can increase your deductible on these coverages. The higher the deductible, the lower the premium. Talk with your insurance carrier or insurance agent about possible options. 
 
If you can't afford the EXTRA coverage and are not required to have it, do without during this time. You can modify your coverage when you are back on your feet and financially able.  
 
What about the young drivers on your policy who are home-bound during this quarantine period? You can contact your insurance carrier to see about excluding drivers who are NOT driving during this period of time. Be careful with this option though. If your young driver is behind the wheel at any time, they need to be listed and removing them then letting them take the vehicle somewhere is not a good idea! Also, remember to change them back from an excluded to rated driver once the stay-home order is lifted and life returns to normal.
 
These are strange and scary times but whatever you decide, protecting what’s important should be top on your list of priorities. Don’t fall into the trap of thinking you can get by without proper insurance on your auto(s), home or even life!

Until next time, take care, be safe and stay informed!

Tommy Curtis & Staff
 
DIsclaimer:  NOT everyone will fall under this moratorium. You can still be cancelled for nonpayment if your new policy effective date is during the moratorium. In doubt, always talk with your insurance carrier to see if you qualify for this moratorium. You will also be cancelled or non-renewed for fraud and/or misrepresentation.  

Never in my wildest dreams would I have imagined writing a post like this one, but, with the world gone crazy over this Corona Virus, I thought I’d let you know how we, here at Curtis Insurance, and the Home/Life/Medicare companies we represent are handling the COVID-19 pandemic.

Although our office is remaining open - as of now - we are taking precautions like everyone else. We limit our exposure to outside traffic, encouraging our clients to pay their premiums online or directly to the company by phone when possible. We’re asking our patrons to be as cautious as we are by not coming into the office if you are currently experiencing any flu-like symptoms or have any reason to believe you may have been inadvertently exposed to this virus.

Our regular contacts at Home and Auto insurance companies are working remotely – from home – but still active. Turn-around time is slower than normal, but we are still in business.

Our Medicare clients are urged to stay inside! Order your medications and OTC items directly through the company and avoid being in the public for things you can have delivered directly to your door. All of the Medicare companies we represent have sent notices of waived co-pays, early and/or extended RX refills, online and telephonic support for their/our members. Many are also waiving co-pays for diagnostic testing related to the COVID-19 virus and some are offering their Virtual Doctor Visits at $0 co-pays. If you’re one of our Medicare clients and are unsure of your particular plan’s response or guidelines regarding this virus, please give us a call and we’ll be happy to answer your questions.

New-to-Medicare clients, have no worries! Give us a call. We can mail or email you the product information you’re requesting, do Medicare Compliant presentations over the phone and enroll you over the phone or through email!

In this time of uncertainty, rest assured we are still here to serve you and will do so to the best of our ability until life gets back to normal, as surely it will.

Tommy Curtis & Staff

Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} ​

Medicare AEP is over and 2020 is right around the corner.  Business has slowed to a more normal pace around the office.  We here at Curtis Insurance / Curtis & Associates would like to wish you and yours a very Merry Christmas, Happy Holidays and a Blessed & Prosperous New Year.
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Our office will close at 12:00 NOON on Christmas Eve (Tuesday, Dec. 24th) and be closed on Christmas Day (Wednesday, Dec. 25th). We will resume normal business hours (9-5) on Thursday, Dec. 26th.

We will also close at 12:00 NOON on New Year’s Eve (Tuesday, Dec. 31st) and be closed all day Wednesday, New Year’s Day (Jan 1st 2020). We will resume normal business hours (9-5) on Thursday, Jan 2nd.

If you are looking for something different, something special to give a close friend, family member or loved one, consider a Life Insurance policy. We have special single, premium annuities that protect your money and your beneficiary from taxation that might otherwise be imposed on a cash gift or inheritance.

If you’d like more information on this type of plan, please give our Licensed Life Insurance Specialist a call and set an appointment to discuss your options.
 
Until next time take care and remember in a world where you can be anything….be kind.
Tommy Curtis and Staff

Disclaimer: This material has been provided for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
 
Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency}

​Our sister company, Curtis & Associates has been offering Medicare plans for several years now and it always amazes me to find so many people who have a Medicare plan but no local agent. Many choose to go it alone and do their Medicare shopping online or directly through the company.

​That’s fine, good and well for some, but it turns out to be a nightmare for many.

In February we did a post explaining what 'Insure Your Love' was all about and in it, we mentioned that September is Life Insurance Awareness Month. These have been instituted by the non-profit organization, Life Happens. So I thought I'd share some more interesting information I found on life insurance....

​Did you know that unclaimed life insurance benefits are paid to your state? I recently discovered that fact and that there are over $1 Billion dollars in unclaimed benefits out there!

It’s that time of year again…time when the kids are going back to school. And time when many young drivers will be out on the road, driving to class or extra-curricular activities. Perhaps even an after-school job.
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As adults, we’re used to road rules and know where everything is in our vehicles should we need to access them quickly. But our teenage and young-adult children aren’t. So, we’ve compiled a short list of things to do and check to provide a safe and confident environment for inexperienced drivers.

Last year about this time, we talked about Insurance and Patriotism. Memorial and Flag Day have recently passed, and Independence Day is right around the corner so I thought this would be a good time to speak to you about Veterans and Medicare and Medicare for Veterans.

Before we get into that, do you know the history behind Flag Day?
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June 14th is the anniversary of the adoption of the stars and stripes as official flag in 1777. After three decades of state and local celebrations, Flag Day was officially established by the Proclamation of President Woodrow Wilson on May 30th, 1916. In 1949 President Truman signed an Act of Congress designating June 14th as National Flag Day.

Amazing isn’t it that our government allows this day to be a Federal Holiday, although all Federal establishments may not honor it?
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Now let’s talk about Veterans and Medicare….