We all want our kids to live long, healthy lives, which is why child life insurance may not feel like a top priority. It’s worth considering, though, as it can lock in low rates and act as an investment vehicle for your children. As your insurance agent, we care about you and your family so […]
Should You Buy Life Insurance for Children? Read More »
Do Stay-at-Home Parents Need Life Insurance? One of the primary reasons to buy life insurance is to help replace your income if you have loved ones who count on you for financial support. But if you’re not working at a paying job, should you even bother getting coverage? In a word, yes. Because couples often
Do Stay-at-Home Parents Need Life Insurance? Read More »
Strands of sparkling holiday lighting make your home feel merry and bright, especially on a gloomy December day. However, if installed incorrectly, they have the potential to damage your home or electrical system. Before you grab your ladder and boxes of lights, review our list of do’s and don’ts for hanging holiday lighting strands safely.
Christmas Light Safety Do’s and Don’t Read More »
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.
Thanksgiving Safety Check Read More »
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,
What to Know About Cashing in a Life Insurance Policy Read More »
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
Tips for Long-Term Care Insurance Planning Read More »
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
Home Fire Escape Plans Read More »
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
Downsizing/Preparing for Retirement Read More »
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
