Here are some examples of insurance products you most likely do not need to buy.
- Universal life - Typically term life insurance is going to be a better fit for you. Term life costs less, and you can take the premium difference and invest it yourself.
- Extended warranty plans - These are never a good idea. The warranty premiums are mostly commissions paid to the salesperson. Some credit card companies offer this protection if you make the purchase with their cards.
- Pet Insurance - Pet insurance usually is very limited in coverage and very costly.
- Collision insurance on older vehicles - If your vehicle has little or no value, it is better to pocket the premium and place it into a fund for future losses.
- Insurance on outstanding credit card balances - This type of insurance can be costly, and there are a lot of loopholes to go through before any benefit is paid.
- Mini Storage Insurance - As long as you have homeowner’s or renters insurance you don’t need to buy special insurance. Most policies have automatic coverage for property away from your primary premises. Call us for details and limitations.
- Mortgage life insurance - This protects the bank, not you. If you were to die, the payout goes to the bank, not your family. You are better off buying term life insurance.
- Flight Insurance - This is completely unnecessary, as airline accidents are rare and your life insurance policy should already provide the coverage in the event of a catastrophe.
Protect what matters most to you with Miltonvale & Concordia, Ft Riley, Junction City, Manhattan, KS. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Miltonvale.
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