Studying health insurance plans in Burlington, NC is far from enjoyable for most people. Not only are the terms and coverage options difficult to really understand, but the numbers attached to each one can quickly scare people away from the right plan for them. It’s just one reason why so many people are underinsured. Don Allred Insurance wants to give you some advice you can count on if you’re looking for more options. 

Misunderstandings and Misconceptions 

There are some people who know the risk they’re taking with their insurance. They choose the bare minimum of coverage and they’re prepared to pay the price if and when an emergency hits. But many people are unaware of just how much risk they’re taking until they end up in a situation where they can’t afford the bills. If you can’t afford the full cost of your deductible on top of potentially being out of work for weeks (or months), you’ll need a plan that can handle the stress of the situation. 

Getting Answers

What does your carrier consider essential? How much will you pay if you need to visit an ER doctor? Do you have coverage for certain kinds of surgeries that you think you might need in the future? If so, how much will be covered by your carrier? When you start asking questions about what’s covered, you start having a better idea of whether you’re insured they way to need to be.

If you want to learn more about your health insurance policy and the benefits of upgrading your coverage in Burlington, NC, call Don Allred Insurance today. We’re here to help everyone make more knowledgeable decisions when it comes to getting the care they need. 

Are you considering purchasing a life insurance policy? You can talk to us at Don Allred Insurance in Burlington, NC. We don’t only offer life insurance; we also guide our clients and customers on their choice of a life insurance policy.

Now, let’s make something clear. Life insurance does not actually protect your life. Rather, it protects your family from hardship that your demise may cause. You don’t want your kids to drop out of school because they can no longer pay their fees. Also, you don’t want your home or car to be repossessed after your death.

Most of all, you don’t want your funeral to plunge your family into debt. Having all these in mind, here are three things you should explore in a life insurance policy.

How can you pay for your funeral while you’re alive?

The first thing to explore is how you can raise the funds of your funeral. We offer such coverage. Upon the death of the policyholder, we will bear the cost of a funeral. You can discuss the kind of funeral you want and we’ll determine the cost and work out your insurance cost.

We often advise our clients to keep their funeral low-key to be able to divert most of the funds to giving their family a good life. Your kids’ education is more important than your funeral. After all, who’s gone is gone.

How can you take care of your family and dependents?

Apart from your spouse and kids, are their other people that depend on you? Extend your life insurance to policy to cover them after your death.

Make provisions for your family’s expenses

If you’re the breadwinner, it is important to make provisions for your children’s school fees and the daily living expenses of your family as a whole.

If you can take care of the three areas listed above, your demise won’t cause a problem for your beloved family. And that’s what our life insurance coverage is aimed at. Why don’t you hit us up at Don Allred Insurance, Burlington, NC? We’ll help you make the most suitable life insurance choice.

In the past, pre-existing conditions often meant that you would be denied for certain types of health insurance. Today, however, residents who live in the Burlington, NC area can discuss their health insurance options with the agents of Don Allred Insurance. Each agent has years of experience when it comes to health insurance and all of its nuances. Understanding how pre-existing conditions affect your insurance is important before you buy a policy.

Previously Diagnosed Health Conditions

Previously diagnosed health conditions like cancer, heart disease, and devastating injuries can have an impact on your health insurance. In the past, many of these conditions would disqualify you for future coverage. Today, however, pre-existing conditions aren’t as taboo as they once were and will not cause you to be ineligible for insurance. This is especially true if the diagnosis is several years old and you have not had any reoccurring symptoms. 

Chronic Long-Term Health Conditions

Chronic long-term health conditions may also have an impact on your insurance coverage. Treatments that have been in place for long periods of time may need to be reviewed but for the most part, should be covered under a new policy. This is especially true if the condition requires specific medicine such as diabetes. 

The agents at Don Allred Insurance serve residents who live in Burlington, NC and many of the surrounding communities. Having health insurance is a necessity for most people. Understanding what a pre-existing condition is and how it impacts getting a new policy is extremely important. When you are in the market for a new health insurance policy, talk to an agent so you get a full understanding of how your health insurance works.

Choosing the right life insurance for your family’s needs can feel like an overwhelming task. With the help of Don Allred Insurance, many families in the Burlington, NC community have the protection they need. With the many options that are available, it helps to have a knowledgeable agent on your side when it comes to narrowing down your choices. Whatever the needs of you and your family, there is likely a life insurance type that can meet them.

Which type of life insurance is right for your family?

The main types of life insurance include term, universal, variable, and whole life. Each type meets different needs, and they all provide the all-important death benefit. Choosing the right insurance type, and the proper level of coverage can be a daunting job. Term life carries no cash value and solely provides a death benefit. Variable, universal, and whole life all have different benefits, but typically, they all can amass cash values that you can access during your life. Depending on your family protection and financial needs, there is likely a type of life insurance that is right for your needs. A policy that provides a living benefit can be very helpful when you are purchasing a home, paying college tuition, or have a major life expense like a wedding. It makes sense to first sit down and determine your needs, both short and long-term and then go from there to determine an appropriate policy for your family. 

Do you have questions about choosing the right life insurance policy for your family? Call or stop by Don Allred Insurance today if you are in the greater Burlington, NC area. We are here to help our friends and neighbors get the protection they need!

Although the winters in Burlington, NC aren’t as harsh as they are in some areas of the United States, the change in seasons can still be harsh on your vehicle. Spring is just around the corner, so it’s time to make sure your vehicle is spring ready. To make sure your vehicle is ready for spring weather, Don Allred Insurance has put together a few tips to ensure you have a spring-ready vehicle.

Wiper Blades and Lights

The snow and sludge of winter can take a toll on the winter blades, so it’s important to make sure the wiper blades are ready to handle the spring rains. Inspect all blades for cracks and tears and if they appear worn out or are making a squeaking noise while on, they should be replaced with new ones. While you’re at it, be sure to check the interior and exterior lights on your vehicle. Blown or broken headlights and taillights can lead to accidents, so replace all damaged or blown lights as soon as possible.

Change the Oil

Your vehicle’s oil plays an essential role in ensuring the engine stays well lubricated, so it’s important to always have an appropriate amount of clean oil. Spring is the perfect time to schedule an oil change and to make sure all fluids, such as the transmission fluid, is clean and topped off. Keep in mind that changing and/or filling all the fluids your vehicle uses, including brake fluid, transmission fluid, and windshield washer solvent is an inexpensive and easy way to ensure your vehicle is operating at its best to keep you safe while on the road.

Wash and Wax

Giving your vehicle a good thorough cleaning is one of the most important things you can do to ensure your vehicle is spring ready. The winter weather can cause a lot of debris and road grime; all of which can be on your vehicle. Giving your vehicle a thorough cleaning will not only help to remove the grime that can damage the paint and undercarriage, but it will give you the opportunity to identify any damages that may have been hiding under the dirt, sludge, and debris.

After you’ve taken the steps to get your vehicle ready for spring, it’s also the perfect time to review your auto insurance policy to make sure everything is up-to-date. One of the best reasons to review your auto policy is that it’s the perfect time to check for any new discounts you may now qualify for.

Residents of Burlington, NC who are interested in reviewing their current policy or updating their automobile insurance policy should contact Don Allred Insurance.

Most people are terrified of the prospect of losing their job. There is a loss of income that is frightening, especially when so many live paycheck-to-paycheck. More importantly, there is the nightmare of losing health insurance coverage. If you, or a member of your family who is on your insurance plan, are ill, this is even more of serious consideration.

What To Do When Changing Jobs

If you know ahead of time that you will be changing jobs or stopping work, be sure to consult with your agent at Don Allred Insurance serving Burlington, NC and the surrounding area. Your agent will help you understand what steps you can take to make a transition to a new insurance program.

What To Do if You Lose your Job

If you unexpectedly lose your job, contact your agent right away. Under most circumstances, there is a short grace period that allows your existing health insurance to continue, which gives time to adjust the coverage and get new insurance if needed. Some insurance carriers allow people to stay covered under a different program. Others do not offer health insurance for individuals and their families if they are not part of a larger group.

Special Enrollment Period

Normally, enrollment in a healthcare program is restricted to just before and after the early part of any calendar year. Under the current heathcare.gov rules (as of December 2019), if you leave a job for any reason or lose your job this qualifies you for a Special Enrollment Period. Usually, you are allowed 60 days from the date of loss of coverage to enroll in a new plan. You must apply for the Special Enrollment Period. Each circumstance is different, so get your agent to help.

Summary

There is no need to panic if you lose your job, just contact your agent at Don Allred Insurance in Burlington, NC to understand your options. If you are unemployed, self-employed, or a small business owner with just a few employees, call your agent at 800-280-2230 for help with all health insurance needs.