Many people believe that estate planning is only for the wealthy. Wealthy people have a lot of money, lots of land, and lots to divvy up to their heirs, so it makes sense that they need to plan out how and where their things will end up. However, everyone with any net worth needs to …
Life insurance can be purchased online. Is that a good idea? What happens when your 20 year term rate guarantee is up and you still need coverage? What happens if you become disabled and can’t afford the life insurance premium? How do you change beneficiaries? Did you know naming minor children as contingent beneficiaries is …
September is Life Insurance Awareness month. I know every month has about 10 titles but I think “Life Insurance Awareness Month” is a great time to remind people not to put off any longer what they know they need, Life Insurance. Spencer Insurance is here to help you. We have a lot of information on …
Your home is insured for replacement cost, ARE YOU? Read More »
September is Life Insurance Awareness Month. Soon many employers will have Open Enrollment for their benefit plans. Most employees wait until it is too late to review choices. If you are currently purchasing life insurance in a Employer Group Plan then pay attention. You may be paying too much! Here is an answer to the …
FAQ: Should I purchase the supplemental Life Insurance offered by my employer? Read More »
We live for life’s wondrous moments whether it’s a baby’s first step, graduation, or retirement. Life Insurance helps to ensure the life you’ve built for your loved ones won’t come to a halt if something were to happen to you. It’s never too early or too late to consider all the things life insurance can …
One of our responsibilities at Spencer Insurance Agency is to make sure you have the proper protection so you can go out and enjoy what you like to do. For example, many of our clients like to waterski, snorkel, scuba dive, Jet Ski, rock climb and ride motorcycles and ATV. You work hard so you …
Don’t forget to protect your family while you enjoy your summer activities! Read More »
Many clients have asked me this question: “In the past I received my Social Security statement by mail near my birthday. I have not received one recently, what happened?” The U.S. Social Security Administration no longer mails the statements. You can still get your statement annually by creating an online account on “My Social …
Do you know how to get your annual Social Security Statement? Read More »
When we are discussing homeowner’s insurance we talk about the replacement cost of your home. The replacement cost of your home is the amount of money you will need to rebuild your home if it was totally destroyed. You insure it for that amount because you don’t want to lose one of your largest assets, …
Your home is insured for its replacement cost, are you? Read More »
Spencer Insurance Agency, Inc., an independent insurance agency, provides life insurance, disability insurance, auto insurance, home insurance, business insurance, and umbrella coverage.
