Insurance

Swallowed By Whale

Kayakers Swallowed By Whale Live To Tell The Tale

Posted on by Shield Insurance Agency

Shield Insurance Blog | June 8, 2023 | Swallowed By Whale | Life Insurance | Start A Quote Today

VIDEO: Humpback whale almost swallows kayakers near a California beach

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Julie McSorley says she learned an important lesson after she and her friend ended up in a humpback’s mouth: “Whales need their space.”

McSorley and Liz Cottriel were kayaking together in California’s San Luis Obispo Bay watching the whales feed on silverfish when one of the massive sea creatures surfaced beneath them, toppling their kayak and knocking them into the water.

Videos and photos from other kayakers and paddlers appear to show the women and their kayak being momentarily engulfed in the whale’s mouth — though the two friends say it all happened too fast for them to be sure.

“It’s definitely woke me up to the realization that, you know, our place is not in the feeding zone of whales,” McSorley told As It Happens host Carol Off.

“We didn’t think we were that close, but we definitely were right in the area that we shouldn’t have been — so I’ve learned my lesson, big time.”

Swallowed By Whale

AVILA BEACH, Calif. — Two whale watchers had a close encounter while kayaking off the coast of Avila Beach, California, that they will likely never forget.

Julie McSorley and Liz Cottriel were watching humpback whales on Monday when one decided to get up close and personal. A whale came up underneath them and caused them to capsize.

“I saw the big pool of fish, the big bait ball come up out of the water,” McSorley told CNN affiliate KMPH. “I saw the whale come up. I thought, ‘Oh, no! It’s too close.'”

“All of a sudden, I lifted up, and I was in the water.”

Footage from a witness nearby makes it appear as if the kayakers are being swallowed by the whale, but the two just tipped over.

“The whale was right here in my face, literally,” Cottriel told KMPH.

“I’m thinking to myself, ‘I’m gonna push. Like, I’m gonna push a whale out of the way! It was the weirdest thought. I’m thinking, ‘I’m dead. I’m dead.’ I thought it was gonna land on me. Next thing I know, I’m underwater.”

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Humpback whales typically feed on krill and small fish, according to the National Oceanic and Atmospheric Administration (NOAA).

The NOAA says humpback whales are popular among whale watchers as they are active on the surface and often jump out and slap the water with their pectoral fins or tails.

Read More
Church Insurance: Protection and Peace of Mind for Churches and their Members.

Church Insurance: Protection and Peace of Mind for Churches and their Members.

Posted on by Shield Insurance Agency

Shield Agency Blog | Church Insurance | Start A Quote Today!

Churches are an integral part of our communities, providing a place of worship, fellowship, and support for their members. However, like any organization, churches face risks and liabilities that can result in financial losses and legal disputes. That’s where church insurance comes in – it provides protection and peace of mind for churches and their members.

What is Church Liability Insurance?

Church liability insurance is a type of insurance that covers the legal liabilities and risks that churches face. It provides protection against claims of bodily injury, property damage, and personal injury that may arise from church activities, events, or operations. Church liability insurance can also cover legal defense costs and settlements or judgments that may result from lawsuits.

What Does Small Church Insurance Cover?

Small church insurance is designed for churches with fewer than 100 members and limited budgets. It typically includes liability coverage for property damage, bodily injury, and personal injury, as well as coverage for church property and equipment. Small church insurance may also include coverage for pastoral counseling, sexual misconduct, and employment practices liability.

How Does Church Building Insurance Work?

Church building insurance is a type of property insurance that covers the physical structure of the church, as well as its contents and equipment. It provides protection against damage or loss caused by fire, theft, vandalism, natural disasters, and other perils. Church building insurance may also cover additional expenses such as temporary relocation costs, debris removal, and loss of income.

What Does Pastoral Liability Church Insurance Cover?

Pastoral liability insurance is a type of insurance that covers the legal liabilities and risks that pastors and other church leaders face. It provides protection against claims of negligence, errors, or omissions in pastoral counseling, advice, or guidance. Pastoral liability insurance may also cover claims of sexual misconduct, defamation, invasion of privacy, and other related risks.

Who Needs Church Insurance?

Any church or religious organization that operates in the United States should consider purchasing church insurance. This includes churches of all sizes, denominations, and types of worship. Church insurance is especially important for churches that own property, employ staff, or engage in activities that involve potential risks and liabilities.

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the unique needs and challenges that churches face. That’s why we offer a wide range of affordable church insurance options that provide comprehensive protection and peace of mind. Our experienced agents can help you assess your risks and customize a policy that meets your specific needs and budget.

Shield Insurance Agency represents over 40 insurance companies, which means we can shop around to find the best coverage and rates for your church. We also offer flexible payment options and discounts for bundling multiple policies. With Shield Insurance Agency, you can rest assured that your church is protected against unexpected losses and liabilities.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Don’t wait until it’s too late – protect your church and its members with church insurance from Shield Insurance Agency.

More Blogs by Shield Insurance Agency

Read More
Commercial Auto Insurance Coverage for Vehicles Used for Business Purposes.

Commercial Auto Insurance Coverage for Vehicles Used for Business Purposes.

Posted on by Shield Insurance Agency

Shield Insurance Blog | Commercial Auto Insurance | Business Insurance | Start A Quote Today!

Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes. This type of insurance is essential for businesses that use vehicles for their operations, such as delivery trucks, company cars, and other types of vehicles. In this blog post, we will discuss business car insurance, what it covers, how it works, who needs it, and how to get affordable protection for your business vehicles.

What is Commercial Auto Insurance?

Business car insurance, also known as commercial auto insurance, is a type of insurance policy that provides coverage for vehicles used for business purposes. This type of insurance is different from personal auto insurance, which only covers vehicles used for personal use. Business car insurance is designed to protect businesses from financial losses that may arise from accidents, theft, or other incidents involving their vehicles.

What Does Business Car Insurance Cover?

Business auto insurance covers a wide range of risks associated with using vehicles for business purposes. Some of the common types of coverage included in a commercial auto insurance policy are:

  • Liability coverage: This type of coverage provides protection against claims made by third parties for bodily injury or property damage caused by your business vehicle.
  • Collision coverage: This type of coverage provides protection against damage to your business vehicle caused by a collision with another car or object.
  • Comprehensive coverage: This type of coverage provides protection against damage to your business vehicle caused by non-collision events, such as theft, vandalism, or natural disasters.
  • Uninsured/underinsured motorist coverage: This type of coverage provides protection against damages caused by a driver who is uninsured or underinsured.
  • Medical payments coverage: This type of coverage provides coverage for medical expenses incurred by you or your passengers in the event of an accident.

How Does Insuring a Business Auto Work?

Insuring a business vehicle is similar to insuring a personal vehicle. The first step is to determine the type of coverage you need based on your business needs and the risks associated with using your vehicles. Once you have determined the type of coverage you need, you can start shopping for insurance policies from different insurance companies.

When you apply for a commercial auto insurance policy, the insurance company will ask you to provide information about your business, the vehicles you use, and the drivers who will be operating the vehicles. The insurance company will use this information to determine the cost of your policy and the level of coverage you need.

What Doesn’t Commercial Auto Insurance Cover?

While business auto insurance provides coverage for a wide range of risks associated with using vehicles for business purposes, there are some things that it does not cover. It is important to understand what is not covered by your commercial auto insurance policy to ensure that your business is fully protected from financial losses.

One thing that business auto insurance does not cover is the personal use of your business vehicle. If you use your business vehicle for personal use, such as running errands or commuting to work, you may need to purchase a separate personal auto insurance policy to cover these activities.

Another thing that business auto insurance does not cover is intentional acts or criminal activities. If you or one of your employees intentionally causes damage to another person’s property or engages in criminal activities while using your business vehicle, your insurance policy may not provide coverage for these incidents.

Finally, business auto insurance may not provide coverage for certain types of vehicles or activities. For example, if you use your vehicle for racing or other high-risk activities, your insurance policy may not provide coverage for these activities. Additionally, some types of vehicles, such as motorcycles or recreational vehicles, may require a separate insurance policy to provide adequate coverage.

Who Needs Commercial Auto Insurance?

Any business that uses vehicles for business purposes needs commercial auto insurance. This includes businesses that use vehicles for deliveries, transportation of goods, or transportation of employees. Even if you only use your personal vehicle for business purposes occasionally, you may still need commercial auto insurance to protect your business from financial losses.

Affordable Protection

Getting affordable protection for your business vehicles is essential to ensure that your business is protected from financial losses. Shield Insurance Agency represents over 40 insurance companies, which means we can help you find the best coverage at the most affordable price. Our experienced agents will work with you to understand your business needs and help you find the right coverage for your vehicles.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are committed to providing our clients with the best possible service and protection for their business vehicles. Let us help you protect your business today!

Visit more blogs by Shield Insurance Agency

Read More
Cannabis Insurance: Protecting Your Business and Investment

Cannabis Insurance: Protecting Your Business and Investment

Posted on by Shield Insurance Agency

Shield Insurance Blog | Cannabis Insurance | Click here to start a Quote

As the cannabis industry continues to grow, so does the need for proper insurance coverage. Cannabis insurance is a type of coverage that is specifically designed to protect businesses and individuals involved in the cannabis industry. Whether you are a cultivator, processor, distributor, or dispensary owner, having the right insurance coverage is essential to protect your investment and ensure your business is protected from potential risks.

What is Cannabis Insurance?

Cannabis insurance is a type of coverage that is specifically designed for businesses and individuals involved in the cannabis industry. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Cannabis insurance policies can be customized to meet the unique needs of each business, ensuring that they have the right coverage to protect their investment.

What Does Hemp Business Insurance Cover?

Hemp business insurance is a type of cannabis insurance that is specifically designed for businesses involved in the cultivation, processing, and distribution of hemp products. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Hemp business insurance can also provide coverage for product liability, which is essential for businesses that produce and sell hemp products.

How Does Medical Cannabis Insurance Work?

Medical cannabis insurance is a type of coverage that is specifically designed for businesses involved in the production and distribution of medical cannabis products. This type of insurance provides coverage for a wide range of risks, including property damage, theft, liability, and more. Medical cannabis insurance can also provide coverage for product liability, which is essential for businesses that produce and sell medical cannabis products.

What Doesn’t Cannabis Insurance Cover?

While cannabis insurance provides coverage for a wide range of risks, there are some things that it does not cover. For example, cannabis insurance typically does not provide coverage for illegal activities, such as the production and distribution of cannabis in states where it is still illegal. Additionally, cannabis insurance may not provide coverage for certain types of property damage, such as damage caused by earthquakes or floods.

Who Needs Business Insurance for Hemp?

Any business involved in the cultivation, processing, or distribution of hemp products should have hemp business insurance. This includes businesses that produce and sell hemp products, as well as businesses that provide services to the hemp industry, such as testing labs and transportation companies. Having the right insurance coverage is essential to protect your investment and ensure your business is protected from potential risks.

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the unique needs of businesses involved in the cannabis industry. That’s why we offer a wide range of cannabis insurance policies that can be customized to meet the unique needs of each business. Our policies provide affordable protection against a wide range of risks, including property damage, theft, liability, and more.

As an independent insurance agency, Shield Insurance Agency represents over 40 insurance companies, giving us the ability to find the right coverage at the right price for each of our clients. We work with businesses of all sizes, from small startups to large corporations, and we are committed to providing the highest level of customer service and support.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. Protect your investment and ensure your business is protected from potential risks with the right cannabis insurance coverage.

More interesting articles featured by Shield Insurance Agency

Read More
Birth of a Rare Sulawesi Monkey–One of World’s Most Endangered Primates is Celebrated

Birth of a Rare Sulawesi Monkey – One of the World’s Most Endangered Primates is Celebrated

Posted on by Shield Insurance Agency

GoodNewsNetwork | Andy Corbley | Jun 6, 2023 | Monkey | Insurance | Start A Quote

Conservationists are celebrating the birth of one of the world’s most endangered primates at a UK zoo.

The rare Sulawesi crested macaque was born on May 16th at the Chester Zoo to proud new mom Rumple and dad Mamassa.

Adorable Monkey

Adorable photographs show the new arrival clinging on to its mother as it made its first outside appearance at its enclosure at the UK’s largest and most-visited zoo.

The species is listed as Critically Endangered by the International Union for Conservation of Nature (IUCN) and fewer than 5,000 remain in their natural habitat on the Indonesian island of Sulawesi.

Though the adults’ faces are jet black, the babies are born with a buckskin leather tone that highlights their beautiful eyes.

Rumple and baby Sulawesi crested macaque monkey at Chester Zoo – SWNS
“Sulawesi crested macaques are highly sociable animals that live in large groups, and so the new baby is currently being passed around by mom Rumple to several other females, who are all sharing parenting duties, which is great to see,” explained Mark Brayshaw, head of mammals at the zoo.

“Every birth is a step forward for the international conservation breeding program that’s working to safeguard the future of this critically endangered species. It also provides an opportunity to learn more about their behavior, biology, and social structures, which all help to inform the efforts to protect the species globally.”

Sulawesi is the world’s 11th largest island at about 70,000 square miles and is located east of Borneo. A large percentage, 62% (79 species) of the mammals on the island are endemic, meaning that they are found nowhere else in the world.

NOTE: From Wikipedia:

Celebes crested macaque monkey

Celebes crested macaque at Diergaarde Blijdorp in Rotterdam, Netherlands
Conservation status: Critically Endangered (IUCN 3.1)[2]

Celebes crested macaque range
(blue—native, red—introduced)
The Celebes crested macaque (Macaca nigra), also known as the crested black macaque, Sulawesi crested macaque, or the black ape, is an Old World monkey that lives in the Tangkoko reserve in the north-eastern tip of the Indonesian island of Sulawesi (Celebes), as well as on smaller neighbouring islands.

Description
Locally known as yaki or wolai, its skin and hairless face is, with the exception of some white hair in the shoulder range, entirely jet black. Unusual for a primate, it has striking reddish-brown eyes. The long muzzle with high cheeks and the long hair tuft, or crest, at the top of the head are remarkable features. It has an ‘apelike’ appearance due to its almost non-existent, non-visible, vestigial tail stub of only approximately 2 centimetres (0.79 inches). With a total body length of 44 to 60 centimetres (17 to 24 inches), and a weight of 3.6 to 10.4 kilograms (8 to 23 pounds), it is one of the smaller macaque species. Its life expectancy is estimated at 15 to 20 years in the wild.

Read More on this cute little Monkey

Click here to see more blog articles by Shield Insurance Agency

Read More
Business Interruption Insurance: Protecting Your Business Income

Business Interruption Insurance: Protecting Your Business Income

Posted on by Shield Insurance Agency

Shield Agency Blog | Business Interruption Insurance | Click here to start a quote

As a business owner, you know that unexpected events can happen at any time. From natural disasters to equipment breakdowns, these events can cause significant damage to your business and disrupt your operations. This is where Business Interruption insurance comes in. In this blog post, we will discuss what Business Interruption insurance is, what it covers, how it works, who needs it, and more.

What is Business Interruption insurance?

Business Interruption insurance is a type of insurance that provides coverage for loss of business income due to unexpected events. It is designed to help businesses recover from financial losses that result from interruptions to their operations. This type of insurance can be purchased as a standalone policy or as part of a broader commercial insurance package.

What does Business Interruption insurance cover?

Business Interruption insurance covers loss of business income due to unexpected events such as natural disasters, fires, equipment breakdowns, and other events that disrupt your operations. It can also cover additional expenses that you may incur to keep your business running during the interruption period. These expenses may include rent, utilities, payroll, and other costs that are necessary to keep your business operational.

How Does Business Interruption Insurance Work?

When you purchase Business Interruption insurance, you will need to provide your insurance company with information about your business income and expenses. This information will be used to determine the amount of coverage you need. If an unexpected event occurs that interrupts your business operations, you will need to file a claim with your insurance company. Your insurance company will then review your claim and determine the amount of coverage you are entitled to receive.

What Doesn’t Business Interruption Insurance Cover?

It is important to note that Business Interruption insurance does not cover all types of interruptions to your business operations. For example, it typically does not cover interruptions caused by a pandemic or government shutdowns. It is important to review your policy carefully to understand what is and is not covered.

Who Needs a Business Interruption Insurance Policy?

Any business that relies on its income to operate should consider purchasing Business Interruption insurance. This includes businesses of all sizes and industries. If your business would suffer financially from an unexpected interruption to your operations, then you should consider purchasing this type of insurance.

Business Income and Loss of Business Income

Business income is the revenue that your business generates from its operations. Loss of business income occurs when your business is unable to generate revenue due to an unexpected interruption to your operations. This can be caused by a variety of events, including natural disasters, fires, equipment breakdowns, and other events.

Affordable Protection and Safety

Business Interruption insurance is an affordable way to protect your business income and ensure that you can continue to operate in the event of an unexpected interruption. It provides peace of mind and financial security, allowing you to focus on running your business without worrying about the financial impact of unexpected events.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your business income. That’s why we offer a wide range of commercial insurance products, including Business Interruption insurance. We represent over 40 insurance companies, which allows us to find the best coverage at the most affordable price for your business.

Contact Shield Insurance Agency for a Free Quote Today

If you are interested in purchasing Business Interruption insurance or any other type of commercial insurance, contact Shield Insurance Agency today. We offer free quotes and can help you find the coverage you need to protect your business income. Call us at (616) 896-4600 or start the quoting process by visiting this LINK and an agent will be in touch soon.

More Blogs by Shield Insurance Agency

Read More
‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

‘Gift of Adoption’ Marks 5,000th Child Given a Home–Covering the Fees to Keep Siblings Together

Posted on by Shield Insurance Agency

GoodNewsNetwork.org | May 27, 2023 | Adoption | All Insurances | Start A Quote Today!

An American nonprofit is celebrating a huge milestone after helping to unite three brothers at risk of separation—into a new forever family.

The Illinois-based Gift of Adoption Fund has facilitated the placement of 5,000 children since its founding 26 years ago—with over $15 million in grants awarded.

They provide grants of up to $15,000 to help families complete adoptions of kids in vulnerable circumstances—including, most recently, three brothers born in Ecuador.

Gift of Adoption Milestone

“Gift of Adoption is elated to mark this milestone by helping to keep together three siblings at risk of separation,” said Gift of Adoption CEO Pam Devereux. “We’re incredibly grateful to our donors, volunteers and the families with a heart for adoption – we all reached this milestone together.”

Eleven-year-old Josue is the 5,000th child whose adoption was completed with assistance from the nonprofit. He was adopted along with biological brothers Darwin, 9, and Abraham, 6. The siblings were in an orphanage in Ecuador for five years—and at risk of separation—before Nicole and David gave them a new forever family in Wisconsin.

The couple had always sought to adopt older siblings, knowing how much it means to grow up together in the bonds of family—and the negative life outcomes that often await children who age-out of orphanages.

International Sibling Adoptions

“Although international sibling adoptions can be complex and expensive, once we saw their faces, we knew we would make it work in any way we could,” Nicole said. “We are so happy that we can provide a permanent home for these brothers, and they can now grow up together in a stable environment.”

While a reported one-third of Americans have considered adoption, fewer than 4% complete the process- with many citing the high expense as a barrier. Gift of Adoption prioritizes grants for children facing what might be their only chance at adoption, such as those at risk of separation from siblings, entering foster care, aging out of a care system or with medical needs.

Read more about International Adoption

More interesting stories by Shield Insurance Agency

Read More
Commercial Business Insurance Bond: Protecting Your Business and Customers

Commercial Business Insurance Bond: Protecting Your Business and Customers

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Insurance Bond | Bond Insurance | Start A Quote Today

As a business owner, you know that unexpected events can happen at any time. That’s why it’s important to have insurance and bonding for your business. In this blog post, we’ll discuss what an insurance bond is, how it works, what it covers, and who needs it. We’ll also talk about the benefits of being bonded and insured, and how Shield Insurance Agency can help you find affordable coverage for your business.

What is an Insurance Bond?

An insurance bond is a type of insurance that provides financial protection to a business in case of loss due to employee theft, fraud, or other types of dishonesty. It is a contract between the business owner, the bonding company, and the customer. The bonding company guarantees that the business will fulfill its obligations to the customer, and if it fails to do so, the bonding company will pay the customer on behalf of the business.

How Does an Insurance Bond Work?

When a business obtains an insurance bond, it pays a premium to the bonding company. The premium is based on the amount of coverage the business needs and the level of risk involved. If the business fails to fulfill its obligations to the customer, the customer can file a claim with the bonding company. The bonding company will investigate the claim and if it is found to be valid, the bonding company will pay the customer on behalf of the business.

What Does an Insurance Bond Cover?

An insurance bond covers financial loss due to employee theft, fraud, or other types of dishonesty. It also covers loss due to the failure of the business to fulfill its obligations to the customer. Insurance bonds can cover a variety of industries, including construction, transportation, and healthcare.

What Doesn’t an Insurance Bond Cover?

An insurance bond does not cover damage to property or injury to people. For that, you need liability insurance. It also does not cover loss due to natural disasters, such as floods or earthquakes. For that, you need property insurance.

Who Needs an Insurance Bond?

Certain industries are required by law to have insurance bonds. For example, contractors and construction companies are required to have bonds to ensure that they will complete their projects and pay their subcontractors and suppliers. Transportation companies are required to have bonds to ensure that they will pay for any damage they cause to other vehicles or property.

Even if your industry is not required to have an insurance bond, it is still a good idea to have one. It provides protection and peace of mind in case of unexpected events.

Bonded and Insured: The Benefits

Being bonded and insured means that your business is protected against financial loss due to employee theft, fraud, or other types of dishonesty. It also means that your business is more trustworthy in the eyes of your customers. When customers see that your business is bonded and insured, they know that you take your responsibilities seriously and that you are committed to providing quality service.

Commercial Surety Bond: The Details

A commercial surety bond is a type of insurance bond that is required by law for certain industries, such as construction and transportation. It guarantees that the business will fulfill its obligations to the customer, and if it fails to do so, the bonding company will pay the customer on behalf of the business.

When obtaining commercial surety bond coverage, it is important to understand the deductible. The deductible is the amount that the business owner must pay before the bonding company will pay the customer. It is important to choose a deductible that is affordable for your business, but also provides adequate protection for your customers.

Affordable Protection and Safety with Shield Insurance Agency

At Shield Insurance Agency, we understand that every business is unique. That’s why we offer personalized service to each of our clients. Our experienced agents will work with you to determine the best coverage for your business, and we will help you navigate the complex world of insurance and bonding.

Shield Insurance Agency represents over 40 insurance companies, which means that we can find the best coverage for your business at an affordable price. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Don’t wait until it’s too late – protect your business today with commercial business bond insurance. With Shield Insurance Agency, you can have peace of mind knowing that your business and your customers are protected.

Learn more at the Shield Insurance Agency Blog

Read More
Term Life Insurance: Protecting Your Family with Affordable Coverage

Term Life Insurance: Protecting Your Family with Affordable Coverage

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Term Life Insurance | Life Insurance | Start A Quote Today

As a responsible adult, you want to ensure that your family is protected in case of any unforeseen circumstances. One of the best ways to do this is by investing in a term life insurance policy. It provides a lump sum payment to your beneficiaries in case of your untimely death, ensuring that they are financially secure even in your absence. However, with so many options available in the market, it can be overwhelming to choose the best term life insurance policy for your needs. In this blog post, we will discuss the key factors to consider when selecting a term life insurance policy and how Shield Insurance Agency can help you find affordable coverage.

What is Term Life Insurance?

Term life insurance is a type of life insurance policy that provides coverage for a specific period, usually ranging from 5 to 30 years. It is a popular choice among individuals who want to ensure that their family is protected during a specific period, such as the duration of a mortgage or until their children are financially independent. Unlike permanent life insurance policies, such as whole life or universal life insurance, term life insurance policies do not accumulate cash value and are typically more affordable.

Factors to Consider When Choosing a Term Life Insurance Policy

When selecting a term life insurance policy, there are several factors to consider to ensure that you get the best coverage for your needs. These include:

  • Coverage Amount: The coverage amount should be sufficient to cover your family’s financial needs in case of your untimely death. It should take into account your outstanding debts, future expenses, and income replacement needs.
  • Term Length: The term length should align with your financial goals and needs. For instance, if you have a 30-year mortgage, you may want to consider a 30-year term life insurance policy.
  • Premiums: The premiums should be affordable and fit within your budget. It is essential to consider the long-term affordability of the policy, as premiums may increase over time.
  • Deductible: Some term life insurance policies may have a deductible, which is the amount you need to pay before the insurance coverage kicks in. It is essential to consider the deductible amount and how it may impact your financial situation.
  • Insurance Company: It is crucial to choose a reputable insurance company that has a strong financial rating and a history of paying out claims.

How Shield Insurance Agency Can Help You Find Affordable Coverage

At Shield Insurance Agency, we understand that selecting the best term life insurance policy can be overwhelming. That’s why we are here to help you find affordable coverage that meets your needs. As an independent insurance agency, we represent over 40 insurance companies, giving us access to a wide range of policies and pricing options. Our experienced agents will work with you to understand your financial goals and needs and provide you with a term life insurance quote that fits within your budget.

To get started, you can contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. We will guide you through the process of selecting the best term life insurance policy for your needs and ensure that you have the protection your family deserves.

In conclusion, investing in a term life insurance policy is an essential step in protecting your family’s financial future. By considering the factors mentioned above and working with Shield Insurance Agency, you can find affordable coverage that meets your needs and provides you with peace of mind. Contact us today to get started on your journey toward financial security.

More featured blogs by Shield Insurance Agency

Read More
Lynde Point Lighthouse

U.S. Is Giving Away Lighthouses for Free to Preserve Them As Historic Landmarks

Posted on by Shield Insurance Agency

Goodnews Network | Lighthouses | Home Insurance | Start A Quote Today!

A unique opportunity for a fixer-upper is coming by way of the US General Services Administration (GSA)—6 historic American lighthouses.

Going up this year via public auction, the federal government has a unique way of ensuring lighthouses retain their historic status which can even involve auctioning them off to private citizens with an affection for the now-obsolete structures.

Lighthouses are beautiful, attractive pieces of seaside scenery, although perhaps it’s a tad difficult to explain exactly why it’s almost impossible to find someone not moved by the sight of one.

Lighthouses for Conservation

The US has hundreds of lighthouses that once ensured sailors could safely come into the harbor but are now derelict since the invention of GPS technology. The GSA routinely sells off lighthouses to nonprofits interested in conservation, state and local governments, educational agencies, and even federal ones.

However if no buyers come up, the GSA will auction them off to the public at prices ranging from $10,000 to nearly $1 million, reports NPR.

Since the National Historic Lighthouse Preservation Act was passed in 2000 more than 150 lighthouses have been sold or handed over to various organizations. This includes 81 that are now owned by government agencies and nonprofits and another 70 that have been sold to the public.

“Costs for the upkeep of lighthouses are relative to what the new owner plans to do,” the GSA states in a notice of the May 2023 “Lighthouse season”

“A total restoration could be thousands of dollars while a simple cleaning is much less. New owners should expect to have to paint, clean, and possibly restore broken or missing items. Most lighthouses do not have any utilities, so there would be a cost associated with making the lighthouse livable.”

This year, 6 lighthouses are being placed on Notice of Availability, and 4 are going direct to public auction. Should any of the 6 not find owners, they too will be sold to the citizenry.

These include the Lynde Point Lighthouse, Old Saybrook, Connecticut; Nobska Lighthouse, Falmouth (Woods Hole), Massachusetts; Plymouth/Gurnet Lighthouse, Plymouth, Massachusetts; Warwick Neck Light, Warwick, Rhode Island; Little Mark Island and Monument, Harpswell, Maine; and Erie Harbor North Pier Lighthouse, Erie, Pennsylvania.

Read more about this unusual real estate opportunity…

Click here for more interesting blogs at ShieldAgency.com

Read More