Quitting smoking is no easy task; for many here, in the Burlington, NC area, it can be one of the most challenging things to do. But with some helpful tips and a bit of motivation, you can successfully quit smoking for good. Here are five tips from us at Don Allred Insurance to get you started: 

1. Set a quit date and stick to it – Setting a specific date when you’ll stop smoking will help keep you motivated and give you something to work towards. 
2. Make a list of reasons why you want to quit – Writing down a list of all the benefits that quitting smoking will bring into your life will help remind you why it’s worth the effort. 
3. Get support from family & friends – Having support from those close to you can make a huge difference in helping you stay on track with your goal. 
4. Find activities that replace cigarettes – Whether going for a walk, reading a book, or talking with friends, finding positive activities that can serve as an alternative to smoking will help keep your mind off cigarettes. 
5. Celebrate your successes along the way – Celebrating each success, small or large, is key in keeping your motivation up and pushing forward on your path towards becoming smoke-free! 

Quitting smoking isn’t easy, but it is possible! These five tips should put you on the right track to quitting successfully and achieving your goal of becoming smoke-free!

For more tips or to explore a health insurance policy for you or your family, call us at Don Allred Insurance today. We are proud to serve the Burlington, NC area.

Buying life insurance for a child is not for everyone, but it can be a wise choice depending on your circumstances. The team at Don Allred Insurance is always ready to discuss these issues with you. In the meantime, let’s review a few pros and cons.

Pros

• Relatively Inexpensive: Life insurance for children is inexpensive compared to policies for adults. Buying a policy allows you to lock in low rates, which are lowest for younger children.
• Guaranteed Insurability: Paying your premiums means your child will always have life insurance regardless of their future medical status. This can be critical if your child or your family has a history of medical challenges.­
• Cash Value: All life insurance policies for children are whole-life policies, so a portion of the premiums builds cash value for the future.
• Final Expenses: In the unlikely event of your child’s passing, money will be available to handle the arrangements.

Cons

Long-Term Commitment: Premiums are payable for years or decades, so buying a policy makes the most sense if you are confident you will always be able to make the payments.
Low Rate of Return: Other investments typically have higher returns than life insurance. It is often better to safeguard your child’s future by ensuring the proper level of life insurance for yourself, your spouse, or others.
Coverage Limits: The total value of policies for children typically are capped at less than $100,000.

Contact Don Allred Insurance

Buying children’s life insurance can be a good choice for some families. Medical status, financial resources, and the other arrangements you’ve made all come into play. As always, the Don Allred Insurance team serving Burlington, NC can help you consider whether children’s life insurance makes sense as part of your broader insurance coverage.

Suppose you’ve ever received a spam message that claims you are the beneficiary of millions of dollars from someone you don’t recognize. In that case, you may wonder how you would tell if you were the real beneficiary of a life insurance policy. 

At Don Allred Insurance in Burlington, NC, we know that being the beneficiary of a life insurance policy can help to ease some of the financial pain of a loved one’s death. Whether you have received a notification that you are the beneficiary of a life insurance policy or you suspect that you may be the beneficiary, there are some ways that you can officially find out if this news is legitimate.

What is a life insurance policy beneficiary?

In life insurance policies, the term “beneficiary” refers to the individual the policyholder has legally assigned benefits from the policy in the case of the policyholder’s death. Depending on the policy, this could also be an entity or group of individuals.

When the life insurance policyholder passes away, the beneficiary can file a claim and receive the policyholder’s death benefit. Suppose a policy does not have a beneficiary. In that case, the policy’s benefits will be turned over to the state where the holder used to reside, such as North Carolina for a North Carolina resident.

How can I tell if I am a life insurance policy beneficiary?

The easiest way to tell if you are the beneficiary of a life insurance policy is by directly contacting the insurance company where the policy is held. You can also use a life insurance policy locator.

If you think you may benefit from a life insurance policy at Don Allred Insurance in Burlington, NC, call our office today!

With the legalization of medical marijuana in many states, more and more people are using it for their medical conditions. Even though it hasn’t been legalized in Burlington, NC, Don Allred Insurance knows there is a lot of confusion surrounding medical marijuana and health insurance. 

The answer depends mainly on the specific policy you have. While some insurers may refuse to cover any costs associated with marijuana use, others may not even consider it when making coverage decisions. In most cases, however, your insurer will not deny coverage simply because you use marijuana for medicinal purposes. Other factors, such as the type of treatment or medication used, may still affect your coverage eligibility. 

It’s also important to note that while many states have legalized medical marijuana, it is still illegal under federal law. As a result, insurance companies operating on a federal level (e.g., employers offering group plans) may refuse to cover any costs related to its use. Some employers may have policies prohibiting employees from using medicinal marijuana on the job or during work hours. 

Ultimately, whether or not your health insurance could be affected by using medical marijuana depends on the specifics of your policy and the laws in your state. It’s always best to check before trying new medications or treatments to ensure they will be covered under your policy. If you’re a Burlington, NC resident looking for assistance understanding how medical marijuana could affect your health insurance coverage, don’t hesitate to contact Don Allred Insurance today! We’d be happy to help answer any questions you might have about this topic and provide guidance as needed.