Are you one of the people who think you don’t need life insurance? Please think again. Life insurance provides real security for those you care about. Life insurance benefits can provide financial security and resources for your family or loved ones after you are gone. Let’s look at a few of the reasons to consider life insurance:
• Payment on Debt– If you have any outstanding debt (mortgage, credit cards, etc.) at the time of your death, it does not go away. Your estate will still be responsible to settle all accounts. Life insurance can provide the financial resources to cover debt.
• Continuation of Income- Life insurance can provide the funds to replace your income upon your passing. Family income will certainly diminish with the loss of an income earner, which means your family will experience a lower standard of living. The death benefits of a life insurance policy can prevent this from happening, or at least keep the impact to a minimum, by replacing income lost with the demise of the breadwinner.
• Unpaid Medical Expenses- It is highly likely that you will incur medical expenses prior to your death. Some of which may not be covered by health insurance. Adequate life insurance proceeds ensure that these final expenses are covered.
• Funeral Expenses- Most people don’t plan for, or fund, funeral expenses. Again life insurance is there to help.
The good news is that life insurance rates are low and there are many different kinds of products to select from. One question we often get is, “How much life insurance do I need”? The answer to that depends on your individual situation, but the general guideline is, a life insurance limit of at least ten times your annual gross income is a start. For example, if you earn $50,000 per year, your family would need to replace somewhere close to that amount. A $500,000 life policy could return $45,000 to $50,000 annually, depending on interest rates.
The most cost effective type of policy is term insurance. Term insurance provides protection for a specific, limited amount of time, usually in five-year segments, such as for 10, 15, 20, 25 or 30 years. Typically you pay annually and the premium is locked in for that period of time.
Neate Dupey Insurance Group has some excellent affordable plans available, so please email or call us at 480-391-3000 so we can help you plan for the future.
Do you need insurance for your boat, RV, motorcycle, or ATV?
Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.
All these activities need personal insurance to protect you against damage and other claims. Generally, we have found that we can get better coverage and pricing when we use our specialty carriers. For example, watercraft insurance has pollution coverage for fuel spills, coverage for injured water-skiers, and on-water towing coverage that homeowner’s insurance won’t provide.
RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV’s, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage.
All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. You may need to consider special coverage. Custom parts and equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old. You may spend thousands of dollars customizing your bike and that is why you need custom motorcycle insurance.
Your boat will need boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage.
ATV insurance is similar to motorcycle insurance. We can combine motorcycle coverage and ATV insurance into one policy for multi-vehicle discounts. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV.
Why Work With Our Insurance Agency?
We know and understand your risks
We are a full service independent insurance agency
Our goal is to provide the best possible combination, of coverage, price and service
Your business provides important and needed services to your customers and is a cornerstone in the community. You also have the responsibility of employing many good people. It is important to have the best possible combination of business insurance coverage, pricing, and service.
We can help you design a business insurance program that is right for your individual business. We understand that having the right business insurance program can be the difference between recovering from a loss or going out of business.
Business Insurance Considerations
Do not overlook needed coverage like employment practice liability, business income, and cyber liability. A business owner’s policy or “BOP” might be a good option for you.
Work with an independent agent. We can help by recommending coverage options and searching the market for the best options for your business.
Consider combining your business coverage with your commercial auto to provide additional discounts.
Have your agent educate you on what kind of business insurance you may need.
Make sure you read your insurance policies.
Request that your agent perform an annual program review. This is a good way to determine if you need other coverage because of business changes.
The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.
Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.
We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.
Every spring, North Americans gear up their grill, stock up on the meat, and prepare for many mouth-watering barbecues. But how much do we really know about the art of barbecuing? From the familiar pastime's origins to surprising tips and tactics, this list will provide you with all the information you need to wow your friends at the next neighborhood barbecue!
Barbecues originated in pig-pickings, feasts that were common in the Southern United States prior to the Civil War. Whole pigs were cooked and eaten by the crowd.
Smoking was used as far as 6000 years ago in order to make meats safe to eat and store. The meat was exposed to smoke and low heat in order to prevent bacteria and enzymes from growing.
In Australia, a barbecue is commonly referred to as a barbie. The famous statement Ill slip an extra shrimp on the barbie for you, which appeared in Australian tourism advertisements, is often used to refer to the country.
What most North Americans partake in today isn't actually barbecuing. Barbecuing is cooking at temperatures around the boiling point of water (180-220*F) for a longer time period, in order to make the meat tender while preserving its natural juices. Today, the method most commonly used is, in fact, broiling: cooking at 475-700*F in much less time.
According to the Barbecue Industry Association, half of all marshmallows eaten in the U.S. have been toasted over a grill.
For an easy way to check how much propane you have left, bring your bathroom scale outside and weigh the gas tank.
The origin of the word barbecue is unclear. Some believe it came from the American-Indian word barbacoa for a wood on which foods were cooked. Others say it came from the French words de barbe queue, meaning whiskers to tail.
To add a smokey flavor to your gas-grill-cooked foods or foods cooked inside the house, use liquid smoke. A condensation of actual smoke, this product can be easily added to your barbecue marinade or sauce.
9) Brisket, the extremely hard cut of meat taken from a cow's chest, takes one to two hours per pound to barbecue. That's an average 12 hours on the grill for a basic 8-pound piece!
10) Kansas City, Missouri, Texas, and Lexington, North Carolina, all claim to be the barbecue capitals of the world. Memphis, meanwhile, stakes a claim to being the pork barbecue capital.
Now you're set to impress!
All of us at Neate Dupey Insurance Group thank you for giving us the opportunity to serve you. Happy BBQ'ing!
Most of us are doing our best to comply with the COVID-19 stay at home order. However, there are also many of us who still must go to our place of work. Here are some things you can do to help maintain safety and financial health for your business, employees, and clients in the workplace during this time of uncertainty.
We recommend you check with your City, County, State, OSHA, Department of Health, and other agencies for provided employer guidelines, as during this COVID-19 event, policies can change daily.
COVID-19 Workplace Safety Tips
Do not leave any valuables clearly visible or accessible.
Mandate all employees wash hands frequently and provide antibacterial supplies.
Develop an Infectious Disease Preparedness and Response Plan.
Restaurants that offer takeout services should remove all tables and chairs.
Provide gloves for staff to use when cleaning, and frequently clean rooms and any areas to which people have access.
Limit food sharing.
Disinfect surfaces like doorknobs, tables, desks, and handrails regularly.
Use videoconferencing for meetings when possible. When not possible, hold meetings in open, well-ventilated spaces.
Consider adjusting or postponing large meetings or gatherings.
Add COVID-19 information and updates on your webpage and social media sites.
Limit non-essential work travel.
Consider regular health checks including temperature and respiratory symptom screening, of staff and visitors entering buildings (if feasible).
Require workers who are ill to stay home.
Consider posting “NO TRESPASSING” signage.
Create a communications plan. Review your employee and client needs. Who are the key stakeholders with need for information from your organization? What information do they need, who needs it first, and for what purpose?
Disable access to your public WiFi network.
Deactivate any nonessential reoccurring deliveries or services that bring extra people into your workplace.
Make regular site visits to monitor your shop/business and manage inventory and storage conditions. Consider randomizing the times this is done to avoid establishing a detectable pattern.
Implement social distancing measures with your clients.
Increase physical space between workers at the worksite.
Stagger work schedules.
Decrease social contacts in the workplace and limit in-person meetings.
Be Aware of COVID-19 Scams
The FCC offers the following tips to help you protect yourself from scams, including coronavirus scams:
Do not respond to calls or texts from unknown numbers, or any others that appear suspicious.
Never share your personal or financial information via email, text messages, or over the phone.
Be cautious if you are being pressured to share any information or make a payment immediately.
Scammers often spoof phone numbers to trick you into answering or responding. Remember that government agencies will never call you to ask for personal information or money.
Do not click any links in a text message. If a friend sends you a text with a suspicious link that seems out of character, call them to make sure they weren't hacked.
Always verify the authenticity of a charity (for example, by calling or looking at its actual website) before donating. (Learn more about charity scams.)