Monday, June 26, 2017

Children at college

Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection.  As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>

Friday, May 5, 2017

Rental Car/Loss of Use Coverage for car insurance

If I have a dealer warranty why would I need Rental Car or sometimes called Loss of Use Coverage for my car?   The reason is an extended warranty does not include rental car if car is damaged in an accident or some other claim. READ MORE >>

Sunday, March 26, 2017

Roadside Assistance(Towing) coverage

Towing or Roadside Assistance coverage, when added to your auto policy, is an inexpensive way to avoid large expense for a towing issue. READ MORE >>

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 >>