Those that live in the Burlington, NC area will have many different insurance needs. One of the most important insurance needs is to have health insurance. There are several reasons why someone in this area will need to have health insurance coverage at all times.

Access to Preventative Care

One of the most important reasons to get health insurance is because it will provide you with access to preventive care. Many health issues that people have could have been avoided if they had access to medical attention earlier. When you have a health insurance policy, you will have access to primary care physicians and medications needed to keep you healthy.

Major Medical Attention

Additionally, you will want to have health insurance to have access to major medical care. If you were to get into an accident or suffer from a serious illness, your medical expenses could be significant. With health insurance, you will be able to get this care at a much lower rate.

Required by Law

Additionally, in today’s environment, you will want to have health insurance so you can stay in compliance with the law. For the past few years, all people are required to have health insurance. If you do not have health insurance, you could face some penalization. 

When you are looking for health insurance in the Burlington, NC area, you should call the team at Don Allred Insurance. When you are looking for a new health insurance policy, there are a lot of options that you will have to choose from. To ensure that you know and understand your options, you should call Don Allred Insurance immediately. The team here will help you to evaluate your health insurance needs to make sure you get into the best policy possible. 

Choosing a beneficiary is an important step in the life insurance process. Your beneficiary is the person or organization that will receive the benefits of your policy upon your demise. If you’re not sure how to choose a beneficiary, these tips from Don Allred Insurance can help you make wise choices. 

Who Needs Your Financial Support Most?

When considering a beneficiary, ask yourself – who needs your financial support? If you’re married and have a family, your spouse and children would be the most appropriate choices for beneficiaries as life benefits can help replace your salary in providing financial support after you’re gone. As the main breadwinner in the family, your wages will be sorely missed by your spouse upon your demise. Life benefits will enable your spouse to pay the bills, care for your children, and continue the lifestyle they’re used to after you’re gone.

If you’re single with no children, you may want to choose your aging parents or younger siblings as beneficiaries, especially if you’re helping them financially now. Life benefits will enable you to continue future support to help with your parents’ retirement or siblings’ college. Singles with no dependents may have a favorite charity in Burlington NC or community project they want to help with financial support. 

One or More Than One Beneficiary?

You can choose multiple beneficiaries in Burlington, NC, if you want, and specify how to divide the benefits between them. This gives you an opportunity to help various people after you’re gone.

Establishing a Trust

If you want to leave life benefits to minor children, you can put them in a trust. You’ll have to designate a responsible individual to manage this trust until your children are of age to receive these funds.  

For more help in choosing a beneficiary, talk to your Don Allred Insurance agent today.

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!