Life insurance may not be a fun topic to consider, but it’s good to have it as a safety measure for the loved ones in your life. You’re used to people depending on you, which means you need to have the right policy in your back pocket, so you know everyone will be provided for. Here are 5 things to consider before you decide on a policy.

1. Short-Term or Long-Term

Term life insurance and permanent life insurance offer different benefits for different people. Those who want term typically choose when they have a set amount of time they want covered (e.g., until their children turn 18.) Permanent will not only cover you for your whole life, but it also allows you to build up a savings over time.

2. Lifestyle

Rates depend on your lifestyle, so you’ll need to keep that in mind before you call up your first company. Those who do particularly high-risk activities need to be prepared for an assessment before receiving a quote.

3. Cost

A term policy will typically cost less than a permanent policy, but it’s also important to remember that having the protection in place is sometimes necessary for a longer time period than term can afford you.

4. Term to Perm

You may want to learn more about convertible term policies before you decide. Typically these will let you convert your policy from term to permanent, and you can do so without seeing the doctor. You will need to pay more for these premiums though.

5. Finding Help

Fida Insurance Group serves Monroe, CT and we’re happy to provide you with the quote you need to cross compare your options. Give us a call today for more information.

 

When you have an ATV in Monroe, CT, you want to make sure you do all you can to keep you and your ATV as safe as can be. A few tips will help you along the way – and perhaps give you a few things to think about.

Get the Right Gear

Take the time to buy the right gear so you are safe while out on your ATV. What you choose is up to you, though it is a good idea to have a protective helmet, over the ankle boots, goggles, and gloves. When you ride, it’s also advantageous to wear long pants and a long shirt.

Find a Home for Your ATV

ATV theft is common and therefore you want to find a safe home for your ATV. You can lock it up in a garage, enclose it behind a locked fence, or anywhere else.

Practice Riding

As with anything, practice makes perfect. Be sure you are being as safe as you can by learning how to ride your ATV before you take it on rougher terrain.

Get the Insurance

Having an insurance policy on your ATV is important so that if there is damage or theft, you are able to file a claim as opposed to having to pay for it all out of pocket. Affordable policies are available, especially when you make comparisons between multiple companies.

Explore the Areas

Once you have the right insurance and you are comfortable on your ATV, start exploring. This can be throughout New England or across the rest of the country.

At FIDA Insurance Group, we’re here to help you as an ATV owner. Call now and let one of our independent insurance agents help you find insurance and keep your ATV as safe as can be.