The only thing certain about life is there will be changes. This could mean changes to your family situation or lifestyle, which are good times to talk with your insurance agent about your priorities and coverages. The good news: Your COUNTRY Financial agent is here to help you protect the people and things you love.
Here are five instances when you may want to meet with your rep.
1. You’re looking for ways to save money
Consider checking in with your insurance agent if you’re looking for ways to lower your insurance rates. Your agent can discuss your coverage needs and see if you qualify for new savings options like home or car insurance discounts.
2. Reexamining your insurance policy when it is up for renewal
Don’t just automatically send a check to your insurance company. Take a little time to evaluate your personal situation and needs since the last time you checked on your policy. Check on your coverage periodically to ensure you’re adequately protected.
3. Major lifestyle changes
Did you recently get married, have a baby or go through a divorce? All of these lifestyle changes can impact your insurance coverage needs. For example, if you recently got married, you may want to consider purchasing life insurance to provide financial protection for each other and discuss your financial goals as a married couple with a financial adviser.
Also, reach out when your kids have changes, such as reaching driving age or going to college, or if an adult child moves back home.
4. Buying or receiving valuable items
If you’ve received gifts such as jewelry or bought anything new for your home, including TVs, computers or even artwork, you may need additional personal property protection.
5. Quality of life and property improvements
Making personal life changes to improve your health, such as quitting smoking, may affect your ability to purchase life insurance coverage and could improve your rate.
Contact your insurance agent if you’ve made home or property improvements, such as expanding your home or replacing the roof. You may qualify for a discount on your home insurance if you’ve installed a fire or burglar alarm system or upgraded your heating, plumbing or electrical system.
We recommend you talk with your COUNTRY Financial insurance agent annually to stay current on your insurance needs and financial goals. Visit countryfinancial.com to learn more.
See more: Planning Ahead with Life Insurance Protects Your Family’s Future
About the author: Tim Harris, executive vice president of agency, COUNTRY Financial®
Auto and Home policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company®, or COUNTRY Preferred Insurance Company®. Life insurance policies issued by COUNTRY Life Insurance Company® and COUNTRY Investors Life Assurance Company®. Issuing companies are located in Bloomington.
