Happy New Year!

As we move into a brand new year, many people take this time to reevaluate their lives and set goals for the upcoming twelve months. When compiling information and creating your lists of things to do, check, and repair or replace, add Review Insurance to your list.

Here are some things to consider when you schedule an appointment with your insurance agent and/or financial advisor.....

• Are you getting all of the discounts available to you on your home and/or auto policy? Do you have adequate or, perhaps, unnecessary coverage? EX: should you ad UM or maybe drop comprehensive and/or collision on that older model vehicle? Are your new toys or furniture properly protected?

• Do you have adequate life insurance? When pondering this question take into consideration loss of wages or income of deceased party; monthly bills and expenses that the surviving spouse will have to maintain; maintenance and upkeep on home and automobiles; mortgage protection so the family home is not in jeopardy; continuing education for children and/or remaining spouse. You may think you can't afford that much life insurance, but in all honesty, a 20 or 30 year term policy is, for the most part so cheap you can't afford NOT to have the insurance protection you need. Also think of the costs should you be called upon to bury one of your children - not just monetary, but emotional. Would you really be able to go back to work right away? Would you want to? No one likes to think of burying their child. Unfortunately, many do. Don't be unprepared. Add them to your existing policy if you can or get them one of their own. Juvenile life insurance is relatively cheap and a paid up policy is a gift they can have for life.

• Are you paying for insurance on your rental property with separate liability? Can you combine those coverages through a different company?

• Do you have money in CD's or some other type of investment account that might work better in an Annuity?

These are a few areas of importance to keep in mind when planning your goals for 2018 (or any time). Give us a call, we'd be happy to help!

Until next time take care and remember....Reviewing your financial goals on an annual basis is always a good idea!

Tommy Curtis and Staff