If you work a full-time job, there’s a good chance you qualify for employer health insurance, especially if you’re not self-employed. For many people, though, it’s not always the best choice to opt for an employer health plan. For some people, it’s better to buy insurance through a private provider. There are several ways you can go about determining which option is best for you. Taake Insurance Agency serving the Columbia, IL area is here to help you choose the best plan.
How many people do you need insurance for?
The first question you will want to answer when determining whether to get insurance through an employer is how many people you need insurance for. If you only need insurance for yourself, then an employer health plan will likely be cost-efficient. However, if you need a family plan of some sort, this is when a plan can become quite costly.
Is your primary care physician in the employer’s network?
You will also want to consider whether your primary health care provider is in the employer health plan’s network. If it’s not, then a policy through a private provider may be of more benefit to you. After all, insurance doesn’t prove of much value unless it covers expenses provided by your doctor.
The easiest way to determine which type of health care plan is best for you is to speak with a qualified health insurance agent. This agent can assess your exact needs and then compare policies to see whether an employer health plan is best for you.
If you would like to learn more about health insurance and choosing the right plan, please contact Taake Insurance Agency serving the Columbia, IL area.
The agents of Taake Insurance Agency provide the residents of Columbia, IL information concerning different types of life insurance. In order to have the type of coverage you need, it’s important to know the difference between whole life and term life insurance. Term life is an option many people choose because of the benefits it has to offer.
Easy to Get
Term life is very easy to get. In most cases, you don’t have to go through a physical examination. You can get term life at any age, but it will increase in price the older you are when you apply. Most people who apply for term life are approved because the amount of the payout is equal to the amount of money you have paid into the policy.
One of the reasons a term life policy is so affordable is that the payment amount is set by the number of months in the "term" of the policy. A term life policy can be written for 5, 10, 20, or even 30 years. The price of the matured policy is divided by the number of months in the term. This means that the longer the term of the policy, the lower your payments will be.
Draw Against Your Equity
Another benefit of a term life policy is that its equity grows with each payment that is made. If the amount of equity is large enough, you may be able to draw against the policy and add payments to the end to make up the difference.
If you are interested in learning about term life and the benefits it offers. Columbia, IL residents can call the agents of Taake Insurance Agency to get all the information they need to make an informed decision.
As an employer you want your employees to feel safe and productive in their work environment. This is important for many different reasons. Number one, you are concerned for your employees, number two you want to also protect your self from liability, and number three you want productivity to stay high. Keeping a safe work environment is the best way to accomplish all of these goals. Here are a few tips from the friendly staff at Taake Insurance Agency serving Columbia, IL, and surrounding areas.
Keeping work areas organized and free of clutter is a significant first step toward keeping your employees safe and injury free. An unorganized work area, or an area that is full of clutter, invites accidents. Make it a policy that all employees clean up and tidy their work stations every day. This can even be made more fun by awarding cleanest area awards each week. It may sound childish, but even adults like to be recognized for doing a good job.
Make Safety Visible
You can keep safety at the front of everyone’s mind by keeping visuals posted. Make use of posters, flyers, and informational printouts in the workspace. Keep this type of material highly visible so that your employees remember important safety policy as they go about their work.
Make sure your employees know that you will not tolerate an unsafe work environment. If you let safety violations slide, then it sends a message to your employees that this isn’t that important. If you make a big deal about it, it will be a big deal for your employees.
If you would like to learn more about how to keep a safe work environment and how to protect yourself and your employees in the workplace, please call our staff today at Taake Insurance Agency serving Columbia, IL, and surrounding areas.
Most people need a car to get around Columbia, IL. That means you also have to have car insurance. Choosing the right policy is as frustrating as it is intimidating, but it doesn’t have to be. There are a few things that change the value of a policy that is often overlooked by shoppers. A couple of tips from Taake Insurance Agency can help you better evaluate your options and get the best deal.
The simple fact is that you don’t need a policy that is identical to your neighbor’s. Everyone has different priorities. You might need to be able to accommodate teenagers who are learning to drive. Perhaps you engage in ridesharing from time to time for a little cash. There are so many factors that can impact how your policy should be customized that you want a policy and company that can adjust with you. Even in the digital age, not all companies and policies will be created equal in this.
Cost vs Coverage
We all want the lowest premiums we can get, but they don’t always come with the best coverage. The entire reason to have insurance is to make sure you aren’t on the hook if things go wrong. Too often, people only look at the premiums and not the true extent of the coverage. Does your policy pay on the value of your vehicle or on the cost of replacement? Sometimes, paying a little more each month is worth it if it can guarantee that you won’t be car-less after an accident.
If you’re still not sure which policy is the best, help is always available. You can speak with your Taake Insurance Agency representative serving Columbia, IL, and they will help you navigate. When you customize the right plan, you’ll find that car insurance doesn’t have to be so stressful.
Buying a home comes with a long to-do list. Don’t let homeowner’s insurance slip to the bottom.
As you embark on your home buying journey, it’s easy to spend hours creating a wish list, checking school ratings, and crunching numbers to see what you can afford. But it is equally important to know what you’re looking for and how you’ll protect it.
It’s a good idea to start researching early so that you understand the coverage suggested in the Columbia, IL area. Taake Insurance Agency can help you make sure you have a complete picture of the coverage you’ll need. They’ll also help you understand what you can expect to pay based on the type of home you’re looking to cover.
You’ll find, however, that you can’t get too far in the homeowner’s insurance process until you actually have a home. The type of home you buy, its location, and its value will all affect the coverage you need, so the details will need to be worked out once you’re under contract. As soon as you have a signed and accepted an offer, you can hit the ground running to line up your new policy.
Before you get caught up in paint samples and furniture shopping, make sure your insurance policy is in place to avoid hiccups getting to the closing table. In most cases, your mortgage lender will require you to have a homeowner’s insurance policy before you can close on the home, and without professional, efficient guidance, you could end up with a headache. Taake Insurance Agency is a local agency serving the Columbia, IL area; we’ll help you finalize your coverage in plenty of time.