Adler Insurance strives to help Prescott residents determine if you have enough life insurance

It is never exact, but there are ways to make sure your loved ones are financially able to cope if something should happen to you, especially unexpectedly. Adler Insurance wants to help Prescott residents determine if you are adequately covered with the right amount of life insurance.

Again, this will not be an exact amount, but a good place to start is by calculating your long-term financial obligations and then subtracting assets. The number that you come up with is the “gap” that you will want your life insurance to fill. There are several formulas you can use to help you arrive at the right numbers. Here are a few:

The outdated rule
One rule, that many believe to be outdated, is the “income multiplied by 10 rule”. This does not take into account inflation, interest and one very important factor: the stay-at-home spouse/parent. Both parents should have a policy, even if one does not work. Should something happen to the stay-at-home parent, there will be hidden income costs that the “income multiplied by 10” will not cover. If you are going to use this calculation method, be sure to keep these things in mind.

Ten times your income, plus $100,000 per child for education
Thinking about education is important when coming up with the right amount to purchase. This is a good start, but do not forget to really study the “income multiplied by 10” to make sure you are taking into account everything.

DIME
This formula is probably a better way to go than the two previously mentioned. Why? DIME considers the following: debt, income, mortgage and education. All need to be considered when coming up with the right amount of life insurance.

• Debt: Make sure this is debt other than the mortgage. And don’t forget to add estimated funeral expenses.

• Income: How many years will you need this income? Perhaps sitting down with a professional will help you arrive at that figure.

• Mortgage: What is the amount needed to pay off the mortgage?

• Education: There are formulas you can use to determine the costs associated with education.

Once you determine which formula to use, you will then want to subtract your assets from that number.

Planning for the future is very important. It is also important to make sure you do not miscalculate when seeing to it that your loved ones will be taken care of. This planning should not be done in isolation. Let the experts at Adler Insurance, your life insurance experts in Prescott, look at your current life insurance policy(s) to make sure you are adequately covered. Call us today at 928-710-1455 and learn more about other types of insurance services we offer at http://www.adlerlifehealth.com.

ADDITIONAL INFORMATION
Life Insurance in Prescott
Prescott Life Insurance Policies
Helpful Insurance Articles

Health Insurance Agent Jesse Adler with Adler Insurance discusses how he can assist you in Prescott.

A Prescott resident for 35 years, Jesse is very familiar with the health insurance needs of our residents.  He has been in the health insurance business for over 8 years.  Jesse and his wife Dina, try to really develop a complete healthcare package for each client that is specific to their individual needs.  Here are some more reasons you should consider Jesse and Dina Adler as your Health Insurance Agent in Prescott:

• They can give you the personal attention you deserve.
• They are local and know the insurance companies that are represented in Prescott.
• They are affiliated with multiple insurance companies, so they can help you choose from  many different plans.
• They will be your personal advocate when dealing with the insurance companies. 
• No confusing website to figure out…they will sit down with you face to face.
• Easy to setup appointments.
• They can come to you.  They will gladly drive to visit you at your home or workplace to discuss your needs.
• They are well versed in the different healthcare plans available.
• They will ensure that you are comfortable with your health insurance decisions.

We encourage you to call us and talk further about your individual needs.  Jesse and Dina Adler at Adler Insurance in Prescott would love to assist you in making good healthcare decisions.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

More Information:
Health Insurance Agent in Prescott
Prescott Health Insurance Agent
Helpful Articles

Why should you choose an Independent Insurance Agent in Prescott

Finding the right insurance can be very complicated and time consuming. You are striving to protect your hard earned assets and need to make sure you are covered correctly. Adler Insurance answers why you should choose an independent insurance agent in Prescott to help you with this difficult task.

They give you a choice – Independent agents typically represent a multitude of insurance companies.  By doing so, they can find you the best value by shopping those companies for you. They find you the right blend of price, coverage, and service.

They are licensed experts – Independent insurance agents can explain the complexities of insurance in simple terms, helping you make smart decisions. Their career is assisting clients in making good decisions when it comes to their coverage.  It is their responsibility to you, their client, to make sure you have the right coverage you need.

They are personal advisers – Independent insurance agents not only find you competitive pricing, they make sure you are adequately covered. They will sit with you and go over all of your needs to ensure you don't have any gaps in your coverage.

They are your advocate – If you have a claim or billing concern, or need to change your coverage, your agent can be your advocate, working with the insurance companies on your behalf.

They are right around the corner – A local agent is your neighbor.  Loving the same community and citizens as you.  They support your town and are there to help.

They offer one-stop shopping – Independent insurance agents can usually meet all of your insurance needs with the companies they represent.  Making your life so much easier only having to deal with one agent for all of your insurance needs.

Adler Insurance would love to be your independent insurance agency.  We offer health, life and medicare solutions. Please call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com.

More Information: 
Independent Insurance Agent in Prescott
Prescott  Insurance
Helpful Insurance Articles

Adler Insurance provides residents with the importance of choosing an independent Insurance Agent in Prescott

Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar? The options can seem bewildering.  That is why Adler Insurance gives you 7 reasons to choose an independent insurance agent in Prescott.
They give you a choice – Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. Most on average sell for five to eight different insurance companies.

They are licensed experts – Independents can explain the complexities of insurance in simple terms, helping you make smart decisions. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford.

They are personal advisers – Agents not only find you competitive pricing, they make sure you are adequately covered.

They are your advocate – If you have a billing or claim concern, or need to change your coverage, your agent can be your advocate, working with the insurance company on your behalf.

They are right around the corner – Independent agents are your neighbors…they share your interest in the community where you live, and understand the benefits and challenges of living in your locale.

They offer one-stop shopping – Independent agents can often meet all of your insurance needs with the companies they represent, providing auto, home, renter’s, and business coverage. Many offer life and health insurance as well.

They are consultants for a lifetime – Independent agents periodically review your coverage.

Find an agent near you and begin your relationship with an independent agent at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com.

More Information:
Medicare Insurance in Prescott
Prescott Healthcare Insurance
Helpful Medicare Insurance Information

Adler Insurance in Prescott discusses the importance of life insurance

Insurance can be confusing and it’s hard to know what you really need or want.  Adler Insurance discusses the importance of life insurance in Prescott.  As we grow older, get married, build families we realize that life insurance is a part of a sound financial plan.  Life insurance provides comfort in knowing money is available to protect your loved ones in the event of your death.

Here are four reasons to have life insurance:

Protect Your Family and Loved Ones
If your loved ones depend on your financial support for their livelihood, then life insurance is a must

Leave an Inheritance
This is a great way to set your kids up for a solid financial future and provide for any monetary needs that will arise.

Pay Off Debts and Other Expenses
In addition to providing income to cover everyday living expenses ike the mortgage, credit cards and car loans.

Peace of Mind, Plain and Simple
No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

To help determine your life insurance needs you can reach Adler Insurance at (928)710-1455 or by visiting http://www.AdlerLifeHealth.com/.

More Information:
Medical Insurance in Prescott
Prescott Life Insurance
Medicare Information

Why hire an independent insurance agent?

Consumers generally think they benefit when they buy insurance directly. Adler Insurance explains why this is not true. Many customers think a middle man is an unnecessary third party and they will pay more. So why should you hire an independent insurance broker agent. So what is really important to consumers when researching insurance? These are the 5 things that consumers are concerned with when purchasing insurance.

1. Cost- contrary to belief broker pricing is actually better than direct insurance pricing. The reason for this seems is due to insurers providing different rates to brokers so the premiums are lower.

2. Ease - most thought that buying directly would be easier, but many online queries fell through the cracks. Most brokers are more pro-active in answering phone calls and emails.

3. Speed - Many direct services are routed to call centers with staff not really having insurance knowledge. Brokers were more efficient and saved customers lots of time by answering their questions at the time of inquiry and having the information.

4. Peace of mind that everything is covered - Brokers are more efficient at cross-checking policies and educating their customers with detailed explanations of coverage. Many times the really good direct services focused only covering the low risk policies, and leaving any consumer with non-standard requirements high and dry.

5. Security of personal data - Brokers were better at giving people a stronger feeling that they were in safe hands because they were dealing directly over the phone and not just inputting their data into a website.

Let Adler Insurance help you with all your insurance needs. Trust us to shop around and the policy that best suits your needs. For more information call us at 928-710-1455 or check out our website at http://www.adlerlifehealth.com.

More Information:
Health Insurance in Prescott
Prescott Independent Insurance Broker
Helpful Insurance Articles