Insurance Solutions Agency, LLC
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Put our expertise to work for you. At Insurance Solutions Agency LLC. We take great pride in providing our great clients of Washington and all of Southeast Iowa with a diverse offering to meet their specific needs.
From simple liability to full coverage and multiple policy discounts, we can protect you from the unexpected.
Your house, your business, investment properties. You can call on us for affordable rates, comprehensive coverage, and a familiar face to turn to should the worst occur.
This of course is a hot topic in the nation with all the changes coming about. Our agents are ready for the changes and challenges ahead.
Types of coverage and financial tools we provide
Simple explanations of what we can do for you. There are links to further assist you in learning about options available through Insurance Solutions Agency LLC
Please feel free to call, click, or stop in for more information or a free quote.
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Life Insurance is a critical part of having a sound financial plan, but commonly over-looked. There are MANY different ways to insure your life. Whole life, term life, hybrid policies, and then there's always the question of how much you need. There's add on riders and guarantees. Some people are satisfied with their small policies that would be enough to cover final expenses but there are many other considerations that need to be made.
One of the most important purposes of life insurance is to relieve the burden of debt for your family and loved ones should you no longer be able to provide them income. This maybe making sure the mortgage is paid off, credit cards, student loans, autos, providing college funding for the kids. The other is to provide the surviving spouse with enough funds to maintain their current life style. Even if the surviving bread-winner of the home is the survivor and the stay-at-home caretaker of the kids is the one to pass on, there will now be considerable child care costs to consider.
Other important things to think about in terms of life insurance include your health, getting coverage while you are as young and healthy as possible. This not only gets you lower premiums but should a health issue arise, you may not be able to get life insurance at all. Insuring children, nobody likes to think of losing a child. Should this happen though the last thing you want to worry about is how to pay for a nice service. Insuring children with a guaranteed renewable policy is the most important reason though. Like an adult, should a health issue arise it may not be possible for the child to get coverage later in life so it's best to be proactive.
Hybrid policies are those that may initially be a Long Term Care policy but also have a death benefit as well. Life insurance can be a useful and important business tool as well.