Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips. …
If your kids have completed college or you’ve paid off your mortgage, you might be wondering if now’s the time to cash out your whole life insurance policy. Taking the cash value from your whole life insurance is a big decision and can have a lasting impact on your financial future. At Spencer Insurance Agency, …
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Parents and kids alike love the magic of Halloween. Tick-or-treating, costumes, candy, what could be better? As a parent, your child’s safety is a major concern during this holiday. Children are more than twice as likely to be hit by a car on Halloween as on any other day of the year! Follow these safety …
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with …
Fire can spread rapidly through your home, leaving you as little as one or two minutes to escape safely once the smoke alarm sounds. Your ability to get out of your home during a fire depends on advance warning from smoke alarms and advance planning. Why do you need a home escape plan? Working smoke alarms and …
Your life has changed. It is a lot different than it was a few years ago. Your children graduated from college, possibly married and are out on their own. You and your spouse are now empty nesters. Or possibly your child has moved back into your home. Sometimes these events are good and sometimes not …
Congratulations! Your world has changed. Welcome to parenthood. I remember back when I had my first child. I kept looking for the instruction manual. Well, you learn as you go. All of us at Spencer Insurance wish you the very best! Now the responsibilities begin. . . Since there are no instruction manuals we thought …
Congratulation on your child’s achievement! As you prepare to send your child to college let’s review some important items. Is their “stuff” covered while at a dorm or off campus apartment? Generally, as long as your child is a full time student, was a resident of your house before moving to college, and is under …
You are thinking or have decided that separation or divorce is your only solution. What do you do now? We at Spencer Insurance Agency are not attorneys and do not provide legal advice. However, we understand that separation and divorce have a huge impact on your insurance coverage. Our goal for this article is to …
Congratulations on your engagement! What do I do now that I am engaged? Insure your engagement ring Plan your wedding ceremony and reception Search the web for sites that help you plan your wedding. Ask people you know who were recently married how they planned their wedding. Purchase Wedding Insurance – Most people don’t know …
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
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