Investments, retirement planning, education funds and life insurance are all part of critical estate planning for providing for the future.

THOUSAND OAKS, Calif. (PRWEB)
January 03, 2021

Many people already know that the right kind life insurance can be an investment tool, helping plan for college expenses, loss of income and even retirement, but how many know the other investment options that are available from the local Thousand Oaks insurance agent? Cary Runnels from Thousand Oaks State Farm Agency has prepared a summary of the available investment and retirement planning tools.

Putting life insurance at the top of the list for planning for the future is an important strategy because the right policy helps secure a family’s, even a single person’s, future. Meeting with an insurance agent from the Cary Runnells Thousand Oaks State Farm Agency to review the available investment and retirement planning resources is another important step to future security.

In addition to life insurance, the available services and products include:

• 
  Retirement plans, IRAs and 401ks: Whether self-employed or working at a job, there is no time like now to start retirement planning. The first thing to do is to discuss retirement goals, review current IRAs and 401ks, and savings plans. Other factors that can impact the status of retirement plans including rolling over your 401k if you change employers, or leave work to start your own business.
• State Farm Investment Planning Services include information about the leading mutual funds and annuities that are going to give you the most benefit for both short-term and long-term goals.
• Other investment products include mutual funds and annuities. Learn how to leverage these plans to your best future advantage.
• Looking for education savings plans for children or grandchildren? College is expensive and paying for it can seem challenging. The agents at the Thousand Oaks State Farm Insurance agency can explain the options for planning and saving and then tailor the right plan.
• Banking is an every day need for personal and business needs. Comprehensive banking services also provide a platform for the future. By combining banking, retirement planning, investment products, insurance and savings, State Farm is able to tailor flexible packages that meet a variety of personal and business needs.

Investments, retirement planning, education funds and life insurance are all part of critical estate planning for providing for the future. The advantage with working with a Thousand Oaks insurance agent is that all business and personal insurance needs, investment services and retirement planning can be met by a comprehensive package of products. Rather than juggling between banks, investment brokers and insurance agencies, Cary Runnels and the registered agents at the Thousand Oaks insurance agency are able to bring clients together with strong planning and products in a “one-stop-shopping” environment.

The advantages include:

• A single resource where your plans and goals are customized and understood.
• One person to consult when needs change, eliminating the need to check then double-check multiple sources.
• Periodic reviews with one person to evaluate your insurance, investments, goals and plans to make sure all of the products are working to your benefit.
• The peace of mind that comes with knowing a team is looking out for personal, family and business’s best interest.

The Cary Runnels Thousand Oaks State Farm Agency proudly serves the Thousand Oaks and the Conejo Valley. The team provides insurance, investment and retirement options for a wide variety of personal and business goals. Specializing in a holistic approach to risk management the team develops comprehensive packages at a competitive price.

Cary Runnells State Farm Agent

100 E T O Blvd Suite 144

Thousand Oaks, CA 91360-8126

(805) 496-1951

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A consultation with an insurance agent helps make sure insurance is sufficient.

THOUSAND OAKS, Calif. (PRWEB)
January 03, 2021

The appropriate types of business insurance are critical for protecting personal and business assets and the business owner’s future, even for start-up businesses. Life insurance is an important component but it’s only part of the picture and Cary Runnells of Thousand Oaks State Farm Insurance Agency recently released the summary “Insurance Considerations for Small Businesses” to help business owners understand the best insurance solutions.

Insurance protects businesses on several levels from auto insurance for company vehicles, commercial and professional liability, loss, and protecting employees and key staff members. The types of business insurance include:

• 
  Worker’s compensation, which is required by law in California, helps protect employees and the business from the high cost of workplace injuries.
• Disability insurance helps cover income when someone is unable to work due to injury or illness.
• Life insurance for business owners and other key employees. The Thousand Oaks insurance agent, Cary Runnells, said life insurance helps keep a business solvent in the event of the death of a key staff member.
• Auto insurance for business and commercial fleets protects from the risk of traffic accidents, property damage and personal injury
• Commercial liability and professional liability that helps businesses survive legal actions that claim the business has been negligent or made an error or omission.
• Loss control protection against some of the most common causes of business losses
• Employment practices liability protects a business from the legal costs resulting from allegations of discrimination, wrongful termination, or sexual harassment.

Other insurance coverage can include group life insurance and group medical insurance and Completed Operations Liability that protects against legal costs due to injury or property damage after a project has been completed.

Starting a business can be a big risk and an economic challenge. One of the first things on the list is to sit down with an insurance agent and analyze the business, including the type of business, growth projections and financial projections to be sure you are adequately protected every step of the way. It’s important to work with an agent who can help make sure business owners have the right insurance plans with the flexibility to scale as business changes. Flexible insurance that is easily scaled from start-up through the various stages of growth is cost-effective.

The agents at the Cary Runnels State Farm Insurance Agency in Thousand Oaks can also help make sure there is complete life insurance, auto and homeowner’s policies to reduce both business and personal risk. Depending on how the business is structured some solely-owned businesses or partnerships can leave the business owners personally liable. A consultation with an insurance agent helps make sure insurance coverage is enough for full protection.

The Cary Runnells Insurance Agency in Thousand Oaks provides a wide selection of business insurance along with life, auto, renters, home, ranch and farm insurance. The experienced and licensed staff can help with long term financial planning. The agency serves Thousand Oaks and surrounding communities including Simi Valley, Westlake Village, Oak Park, Newbury Park, Agoura Hills, Moorpark, Camarillo and more.

Cary Runnells State Farm Insurance Agent

100 E T O Blvd Suite 144

Thousand Oaks, CA 91360-8126

(805) 496-1951

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“Even though the price of car insurance is constantly rising, there are many methods that can help families save money on car insurance”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
January 02, 2021

Car insurance is a major investment for any family. However, many families are struggling to pay for ever-increasing insurance premiums. Dropping coverage is not an option, because many are using their vehicles to do their daily routines. Nevertheless, there are some methods that can help anyone save money on insurance.

Drivers who want to save money on insurance can follow the next tips:

• 
  Shop around for better insurance deals. Shopping around using a brokerage website is one of the best methods used to save money on car insurance. Certain events like moving to another area, getting divorced, or getting a job to a place that is far away from home can make the car insurance to be more expensive. In these cases, drivers will be required to find better insurance deals to save money. After completing an online form, brokerage websites will display multiple insurance offers from multiple insurers. Drivers only need to pick one insurance offer that can satisfy their needs.
• Ask for the available discounts. Insurance companies are offering discounts for various reasons. Drivers who got married, who moved to a better neighborhood, or graduated a defensive driving course can pay lower insurance rates.
• Check the low mileage discount. Some policyholders are driving fewer miles than usual for various reasons. These drivers should contact their insurers to find out if they are eligible for the low-mileage discount.
• Keep a good credit score. In most states, insurance companies are allowed to determine the premiums using the credit score. Drivers with a poor credit score are considered to be less responsible and are more likely to file a claim. For these reasons, insurers will charge extra on their premiums. On the other hand, drivers with a good or excellent credit score are seen as more responsible and are less likely to file a claim., and for these reasons, they will pay lower insurance rates.
• Park the car in a garage. A well-monitored garage is an ideal place to keep a vehicle. The garage can protect the vehicle against severe weather events and can lower the chances for car theft to happen.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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“Even though the price of car insurance for seniors is increasing, they can still find advantageous policies”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 31, 2020

The number of senior citizens who are driving in the US is constantly increasing. This means that the demand for affordable car insurance for senior drivers is also increasing. However, car insurance companies are seeing these things from a different perspective. The more senior drivers are on the roads, the higher are the chances for an accident to happen. Nevertheless, senior drivers can obtain affordable car insurance if they follow the next tips:

• 
  Look for senior driver discounts. Some insurance companies consider that seniors are safe, responsible, and defensive drivers while on roads. For these reasons, senior drivers can gain a discount that is about 5% off their insurance.
• Enroll in a defensive driving course. Insurance companies will offer a discount to those senior drivers who attend and graduate a defensive driving course from any of the state-approved training institutes.
• Drive safely. One of the best methods used by senior drivers to save money on insurance is to drive carefully in order to maintain a clean driving record and the no-claim bonus.
• Drop coverage on older vehicles. Seniors who have full coverage and drive older vehicles should think twice if keeping full coverage is worth it. Usually, if their car’s value is less than ten full coverage payments, then senior drivers are recommended to drop full coverage and keep only the minimum required insurance by law.
• Obtain a low-mileage discount. Senior drivers are usually retired and are driving fewer miles than the average person. In this case, senior drivers should contact their insurance providers and check if they are eligible for a low-mileage discount.
• Raise the deductible. One of the easiest methods used to save money on insurance is to raise the deductible. Senior drivers should raise the deductible only if they have enough money to pay for it if something happens to their vehicles and they need to file a claim.
• Compare quotes. Comparing online car insurance quotes can help senior drivers discover better insurance deals than the ones they currently have.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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LOS ANGELES (PRWEB)
December 30, 2020

2020 has been a rollercoaster of a year – from a global pandemic to UFOs – it’s safe to say no one predicted these crazy events. (Bonus: Those of you who had “firenado” on your 2020 bingo card were winners!) 2020 has left the feeling that you need to be prepared for pretty much anything. Thankfully, you can buy insurance for just about everything. There are the usual suspects, such as auto, homeowners, renters and business insurance, but that’s just the beginning.

2020 events have pushed the envelope in insurance needs to help keep you safe and sound.

Here are a few of the unpredictable events of 2020, and the ways that you can protect yourself, family and belongings:

• 
  COVID-19 Pandemic: COVID-19 has turned into a global pandemic with tens of millions of cases and hundreds of thousands of deaths. The resulting social and economic disruption has caused a global recession, the cancellation of sporting, religious, political and cultural events, and has affected 98.6% of the world’s student population by closing schools. Typical property insurance policies, such as business or homeowners, exclude pandemic events from coverage. However, an alternative risk practice company has developed PathogenRX, designed to provide business interruption insurance in the event of a pandemic. Unfortunately, it cannot be used during the current COVID-19 pandemic, but will protect your business in any future pandemics.
• UFOs and Asteroids: This year, the Pentagon officially released three short videos showing “unidentified aerial phenomena” – while the potential that aliens will invade is fairly slim, there was an asteroid predicted to come close to Earth on November 2, right before the presidential election. Don’t worry, the closest it came to the planet was about 39,000 miles! If an asteroid or other space junk falls on your house or car, your homeowners or auto insurance policy should have you covered – and if you happen to get abducted, there are alien abduction insurance policies offered by select insurance providers around the country, though you’ll need to provide proof of abduction to file a claim.
• Murder Hornets and Plagues of Cicadas: Things got a bit “buggy” in May 2020 – Asian giant hornets, menacingly dubbed “murder hornets,” made an appearance, and an emergence of cicadas buzzed around the Southeast United States after 17 years of incubating underground. A typical homeowners insurance policy doesn’t cover pest infestations but having guest medical protection coverage can help protect you against having to pay exorbitant medical bills should someone get stung on your property and require medical attention.
• Firenado: A towering column of flame was caught on camera in Northern California – formally called tornadic pyrocumulus, the “firenado” is an over-the-top weather event that has been recorded to peak at about the size of three football fields. Thankfully, most homeowners insurance policies include coverage for fire and wind damage, although some fire-prone areas of California may require additional wildfire insurance. Additionally, if a firenado forces you to evacuate your home, your insurance may cover additional living expenses to reimburse you for the cost of a hotel room to safely reside in until the danger has passed.
• Derecho Hurricanes and “Gustnadoes”: A derecho hurricane is a dangerous, ferocious wall of wind, and one tore through 700 miles of the Midwest in August, flipping cars, downing trees, causing widespread property damage and knocking out power to hundreds of thousands. Wind damage can also be caused by a “gustnado,” a weather phenomenon resembling a tornado, but where the vortex swirls upward from the ground as opposed to being rooted in a cloud. Thankfully, both of these gusty phenomena should be covered by a standard homeowners insurance policy.
• Earthquakes, oh my!: Southern California, one of the shakiest places on earth, experienced a magnitude 4.5 earthquake in 2020, rattling the region but thankfully causing no immediate reports of serious damages or injuries. Most home, renters and business insurance policies provide coverage for property loss, however, most policies do not cover damage resulting from landslides, mudflows or earthquakes. For earth movement perils, you’ll need a separate earthquake policy from the California Earthquake Authority.

Fingers crossed, most of the situations listed above are once-in-a-lifetime occurrences, but it always helps to have insurance to protect you in the event you need it. Talk to a local Mercury Insurance agent to make sure you have all the coverage you need for whatever the future may have in store.

Note: This article was originally published on the Mercury Insurance blog.

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“Preferred Mutual will look to Yogesh to help us identify and implement best practices to make the financial processes and internal controls more efficient and effective,” Tim Hyle, SVP, CFO and Treasurer.

NEW BERLIN, N.Y. (PRWEB)
December 30, 2020

Yogesh Deshmukh has joined Preferred Mutual Insurance Company (“Preferred Mutual”) as Vice President, Finance. Deshmukh will be responsible for providing leadership to the finance function and building an enterprise capability around financial planning and analysis. Deshmukh’s role will be to foster business strategies to improve profitability by leveraging data, analytics and actuary intelligence.

Deshmukh brings to Preferred Mutual over 25 years of financial services, operational and leadership knowledge, with considerable time within the Property and Casualty Insurance industry. Most recently, Deshmukh was Vice President of Finance and Administration at Plymouth Rock Assurance Company, and the Chief Financial officer, General Insurance IT at American international Group (AIG). In these roles, he had great success in reducing expenses, driving revenue growth, budget and capital management, and leading transformation and process improvement initiatives.

“As we continue to navigate the ever-evolving needs of our policyholders and of the insurance industry, Preferred Mutual will look to Yogesh to help us identify and implement best practices to make the financial processes and internal controls more efficient and effective,” Tim Hyle, Senior Vice President, CFO and Treasurer. “Yogesh will work with our financial function to set the standards of a strong financial organization, with profitability, performance and risk at the forefront of our financial planning and implementation.”

About Preferred Mutual

Preferred Mutual Insurance Company provides property and casualty insurance coverage to more than 232,000 individual and business customers through a network of independent agents throughout New York, New Jersey, Massachusetts and New Hampshire. In business since 1896, Preferred Mutual is rated “A” by A.M. Best Company and is headquartered in New Berlin, New York. Learn more at http://www.preferredmutual.com.

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“Drivers should change their insurance providers if they feel they are mistreated or pay more than they should”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 30, 2020

Policyholders can choose to drop their current insurance provider if they are not satisfied by the customer service, they have claims disputes, they don’t meet their requirements anymore, or they just simply need to change coverage.

• A good reason to switch carriers is unresponsive or inefficient customer service. Good customer service is a top priority in the car insurance industry. If a policyholder has serious problems contacting their insurance company, or when attempting to resolve a claim, then it’s time to switch the current insurance provider. Before switching to a different carrier, policyholders should do a little research regarding other providers. They can check their state’s Department of Insurance and see the complaint ratio for every approved insurance company.
• High premiums are another reason why policyholders switch their carriers. Inexplicable rate increases are a major concern for many drivers. Before dropping the current carrier, inquire about the price increase. A reliable company should be able to motivate their premiums. A driver with clean records, no claims and always paying the premiums on time usually gets better rates. Be aware that some companies use “price optimization” and charge their clients more with each renewal. They expect that some loyal customers will not check the market periodically.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org..

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Our focus is on our client welfare at all times.”

CENTERVILLE, Ohio (PRWEB)
December 29, 2020

Dwayne Adams commented on the recognition: “This is the sixth time that I have received this recognition and it speaks to the satisfaction of our clients. Our focus is on our client welfare at all times.”

Dwayne Adams is President and founder of Adams Wealth Management Group and has worked extensively in the field of financial planning since 1994. He focuses on Wealth Management, Retirement Planning and Estate Planning. He specializes in working with individuals and retirees with their special needs such as tax planning, investment planning, retirement planning and innovative estate planning strategies.

The Award is based on 10 objective criteria associated with providing quality services to client such as credentials, experience and assets under management among other factors. Wealth Managers do not pay a fee to be considered or placed on the final list of 2014, 2015, 2017, 2018, 2019 and 2020 Five Star Wealth Managers.

For more information on Dwayne Adams please call 866-513-2099 or visit Adams Wealth Management Group at http://www.adamswealth.com

Contact Info:

Dwayne Adams, CFP, AIF, RFC

Phone 866-513-2099

Email address: dadams@adamswealth.com

This award is not indicative of the financial services professional’s future performance. Working with any financial service professional is no guarantee as to future investment success nor is there any guarantee that the selected financial service professional will be awarded this accomplishment by this or any other publication in the future.

Securities and Advisory Services offered through LPL Financial. A Registered Investment Advisor, Member FINRA/SIPC.

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“Paying from your own pockets for minor damage is something quite usual. Always asking for financial compensation for scratches or dents will make car insurance more expensive”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
December 29, 2020

Compare-autoinsurance.org has released a new blog post that explains if drivers should fill car insurance claims for minor accidents or should they pay from their own pockets.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/does-it-really-make-sense-to-file-small-claims/

Car insurance is supposed to provide financial support whenever the vehicle is damaged by a covered event (collision, vandalism, animal attacks or extreme weather). But does it really worth the money to fill claims for minor damage? Find out more and get the best coverage deals from http://compare-autoinsurance.org.

When a serious accident happens and the car is seriously damaged, the driver should immediately contact the insurance company and file a claim. But what happens if the car is just scratched or the paint is damaged a bit? Does it make sense to contact the insurer and ask for reimbursement?

• It all goes back to basic math. How much does it cost to fix the damage without involving the insurance company? Is the repair more expensive than the deductible? Will the premium increase be more expensive than the repair?
• If all it takes to fix a scratch is something around $100-$150 at a repair shop, filing a claim may not be advantageous. The insurance company will slowly increase the rates and will recover those $100 in 6 months or a year. But what is more important, the claim will be recorded.
• Filling multiple claims for minor damage or in a relatively short time will heavily impact the premiums. Keep in mind that auto insurance is based on the risk of making a claim. Plus, it will affect future bonuses, like no-claim discounts.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://compare-autoinsurance.org.

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Enter California Casualty’s Work Hard/Play Hard “Safe and Secure” Contest Today

We owe the dedicated professionals who protect our communities this thank you for all that they do.

SAN MATEO, Calif. (PRWEB)
December 29, 2020

In an effort to thank First Responders for all they have done and continue to do – including the extra efforts needed to overcome the challenges that 2020 delivered – California Casualty launches its 2021 Work Hard/Play Hard contest.

The 2021 Work Hard/Play Hard “Safe and Secure” promotion will award three lucky winners each $2,250 towards the purchase of a Liberty Safe and a collection of 5.11® merchandise valued over $1,000.

Firefighters, Law Enforcement and EMTs can enter at http://www.contest4heroes.com. The deadline to enter is October 29, 2021. Winners will be announced in November 2021.

“First Responders do the hard work keeping our communities safe,” said California Casualty Sr. Vice President Mike McCormick. “We owe the dedicated professionals who protect our communities this thank you for all that they do.”

Previous Work Hard/Play Hard sweepstakes from California Casualty have awarded public safety personnel ATVs, DeWalt Tools, motorcycles, and cash. Past winners include an Oregon Police Officer, Colorado Sheriff’s Captain, Firefighters from California, Nebraska, Ohio and Pennsylvania, a California Highway Patrolman, and most recently an Oregon Volunteer Firefighter.

Founded in 1914 and headquartered in San Mateo, California with service centers in Arizona, Colorado and Kansas, California Casualty provides public safety employees and volunteers across the country auto and home insurance with special rates, generous discounts and unique benefits not available to the general public. Learn more about California Casualty at http://www.calcas.com or call 1.800.800.9410.

*5.11 and Liberty Safe do not endorse or sponsor this promotion

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