Thursday, January 26, 2017

Guarantee Issue Life Insurance

Flanigan Insurance agency has THREE different Guarantee Issue Life Insurance Companies: PRUDENTIAL, KEMPER and Polish Roman Catholic Union of America(PRCUA). READ MORE >>

Friday, January 6, 2017

FEMA's Maximum Grant for Earthquake Damage

I was reading an email from Missouri Dept of Insurance, talking about insurance check ups on auto and home, among other topics.  I'm focusing here on homeowners and Earthquake. READ MORE >>

Monday, December 12, 2016

Health Insurance Additional Information

In 2017 do I have to have Affordable Care Act Insurance to avoid the Penalty or can a Short Term Policy suffice?  A Short Term Policy is a good alternative it does cost less; although,&nb... READ MORE >>

Thursday, October 27, 2016

2017 Affordable Care Act(ACA) Open Enrollment

The open enrollment period is a little different this year, it runs from November 1st 2016 until January 31st 2017.   After Jan 31st, only Qualifying life events(marriage, birth, divorce,... READ MORE >>

Thursday, September 29, 2016

What the heck is this fixed index annuity stuff?

Many of you may not realize that as a licensed insurance advisor, I also offer my clients the option to invest their money in fixed annuities and fixed index annuities. READ MORE >>

Wednesday, September 21, 2016

Does 100 year flood mean once every 100 years?

not exactly, recently(5/16) I came upon an article in PIA trade magazine addressing this frequent question.  If I am in 100 year flood plain and recently experienced flood damage am I in the clear for next 99 years? READ MORE >>

Friday, August 19, 2016

Earthquake only policy for MO

Many homeowner insurance companies have stopped writing earthquake coverage in Missouri, other's have placed a year(such as 1960) as the oldest they will permit adding earthquake. READ MORE >>

Sunday, July 17, 2016

How does Flood Insurance work?

All Homeowner policy forms(home, condo, rental property and renters) specifically exclude flood.  Flood is another term for surface water, water that is on top of ground from rivers, creeks overflowing or heavy rains. READ MORE >>

Wednesday, June 8, 2016

Explain SR-22

An SR-22 is ONE requirement imposed by the Dept of Motor Vehicle/Driver License Bureau in the event of a driver license suspension.  Essentially an SR-22 is a post card size form mailed or ele... READ MORE >>

Monday, May 16, 2016

What to do in event of Auto Accident?

If your car is NOT drivable, and you are at the scene of the accident it is best to instruct the tow truck driver to tow your car DIRECTLY to nearest car dealer(assuming the dealer has a body shop) or a body shop of your choice. READ MORE >>