Important Life Insurance Topics to Discuss Before Marriage

If you are getting married soon you know that there are a thousand little details that go into planning a wedding. However, few couples realize the many more small and large details that go into planning a life together. Life insurance may not be at the top of your wedding planning to do list, but it should definitely be on your, "things to discuss before we get married list." Here are few life insurance topics that you should discuss with your soon to be new spouse. 

Do We Have Life Insurance?

You would be surprised at how many couples have never even discussed with their significant other their current life insurance coverage. This is important information to know because a spouse is almost always the beneficiary on a life insurance policy. If you or your fiancee do not have life insurance at all, then this is a great time to start looking into policies together. 

How Should Coverage Change After Marriage?

Many life insurance policies will offer a different rate for a married couple than for a single person. There are many reasons for this. But if you do already have an existing life insurance policy then you should talk with your life insurance agent about how your plan should change now that you are getting married and how you should add your spouse to the policy. 

Should You Increase Coverage After Marriage?

Many people determine that life insurance coverage should change somewhat after marriage to reflect the financial needs of each spouse. For instance, if you want to make sure that your spouse and children are provided for your coverage will look much different than that of a single person who has no such concerns. 

If you would like to speak to an insurance agent about these or other topics, please contact us at San Marcos Insurance Group in Chandler, AZ. 

How to Create an Emergency Kit for Your Car

At San Marcos Insurance Group, we value your safety. That’s why we’ve put together a guide to help you create an emergency kit for your car. Whether you get stranded in the heat of Chandler, AZ, get injured in an accident, or face any other type of peril on the road, an emergency kit can help get you through it. This list will give you some of the basics, but you should also take some time to sit down with your family and come up with items that are unique to you that you would need in an emergency. Your car emergency kit should include both items for your car and for you.

For your car:

  • Jumper cables

  • Flares

  • Ice scraper

  • Cat litter, ash, or sand

  • Spare tire

  • Empty gas can

For you:

  • Water

  • Non Perishable snacks and food

  • Blankets

  • Phone charger

  • First aid kit

  • Flashlight and batteries

  • Pocket knife

  • Maps

  • Cash

Other things to consider:

If you often travel with your pets, make sure you keep them in mind as well. Consider including their food, some extra water, and a leash or carrier as part of your kit. If you have babies or small children, you also may need to include: diapers, wipes, formula, and toys.

There are many other things you could include based on your family’s needs and habits, but this basic list will make sure you have the essentials. You never know when you could face an emergency in your car, so it’s always best to be prepared. Think about what you would need if you’re near Chandler, AZ, but also think about other areas and climates as well. The further you are from home, the more essential your emergency kit becomes. Another important way to be prepared is to have quality car insurance. Contact San Marcos Insurance Group today to talk about your existing policy or to get started with a new policy.

Choosing a Health Insurance Plan

Choosing a health insurance plan in Chandler, AZ can be complicated, since there is a lot to think about. If you aren’t able to get insurance through work, you should contact an agent at San Marcos Insurance Group to discuss plan options.

First compare the different types of health insurance plans. Common types include HMOs, PPOs, EPOS, and POS plans, and all come with positives and negatives. Determining your plan will help you determine what out-of-pocket costs you will be responsible for and the doctors you can see.

It’s impossible to be able to foresee every medial expense, but looking at the amount and types of treatment you have received in the past can help you make a better decision. If you want to be able to choose doctors, pick a PPO or EPO. If you are okay with seeing a primary care physician before a specialist, then choose an HMO or POS.

When deciding on plans, look at the health plan networks. In order to save on costs, you will want to see doctors that are in the network. If you have preferred doctors you want to keep seeing, look to see if they are in the plan you are considering. Larger networks are helpful in small areas, since you are more likely to see doctor locally who will accept your insurance.

Compare out-of-pocket costs. Look at the deductible, copays, and consinurance to get an idea of what you could be spending each year in order to choose the best plan for your family. Once you have narrowed down plans based on network and costs, look at benefits. This will help give you the coverage that is needed for your family. Plans are required to cover certain things, but some plans may provide better coverage for mental health or physical therapy. Ff you use these services you will want, it is a good idea to choose these plans.

Contact San Marcos Insurance Group, serving Chandler, AZ, to get a quote on health insurance.

 

Who Should I Choose As My Beneficiary?

No one wants to think about what life insurance but when you decide to purchase your policy, you will need to choose a beneficiary. In Chandler, AZ, the agents of San Marcos Insurance Group are available to discuss your needs and help you choose the right beneficiary who will be able to make sure the money is used the way you want it to be.

Choosing Your Beneficiary

When you first start to think about choosing a beneficiary, you want to choose someone who is both reliable and committed to following through with your wishes. Your beneficiary will be responsible for paying off any debts you have left behind. They will also be responsible for taking care of your family’s needs. They can set up trust funds for minor children or work with your attorney to ensure that money is allocated for the health needs of a family member.

Who Is the Best Choice

In most cases, the beneficiary of any type of life insurance policy is the spouse or a family member. If there is a double indemnity clause and the amount of money is significant, you may want to choose an attorney or financial advisor as your beneficiary to make sure everything is handled according to your wishes.

In Chandler, AZ, the agents of San Marcos Insurance Group are always available to answer questions and let you know what type of policies will best serve your purpose. Call and schedule an evaluation so that you can get the type of policy you want in place and protect your family from financial disaster. Don’t wait! Talk to one of the agents today and get the process started!

Why Commercial Insurance is Necessary in Chandler, Arizona

Arizona is one of the most competitive states in the nation in terms of business. It is also a state that is relatively heavily regulated. If you want to be able to scale without fines, then you must remain in compliance with all commercial insurance requirements in the state.

The right policy will protect your business from unexpected emergencies and serve as a shield against state regulators. Here are the characteristics of a good commercial insurance policy for Chandler and surrounding areas.

  • Commercial automobile insurance – If you use a car in your business, you need a separate protection outside of your personal auto insurance. This is true even if you are not in the commercial transportation industry. Commercial auto will include comprehensive, collision and liability insurance as well as medical payments.
  • Business general liability – Legalities are always increasing in the world of business, and umbrella policies do not cover specific business-related expenses. In order to protect your business, you will need a liability policy that specifically covers your company.
  • Worker’s Compensation – This is one of the most important kinds of insurance policies that you can have on your business. It is especially important if you are dealing with large amounts of inventory or warehousing. Worker’s Compensation policies will cover any unfortunate incidents that occur on your premises with your employees.

The San Marcos Insurance Group serves the business community in and around Chandler, AZ with commercial insurance. When you are ready to protect your business and stay in compliance with state law, give the dedicated experts at the San Marcos Insurance Group a call or an email to help with your policy.

Will Pre-Existing Conditions Ruin My Health Insurance?,

In the past, pre-existing conditions could seriously complicate your health insurance coverage. These days, things have changed for the better. So if you live in Chandler, AZ and need help, let us at San Marcos Insurance Group show you the way.

Pre-Existing Conditions Shouldn’t Affect Your Policy

Under the ACA, pre-existing conditions cannot affect whether you are accepted or even influence your premiums. In fact, it is against the law for your provider to even attempt to do either of these things. In this way, more people can have health insurance and you can get your issues treated without suffering from excessively expensive policies.

When Your Policy Could Be Affected

There are a few instances in which a provider may deny you because of pre-existing conditions. These are generally very rare and only occur in situations that are obviously improper. For example, people who try to buy a short-term plan to save themselves money by covering a specific problem may be denied if they have pre-existing conditions. This idea was put in place to protect companies from fraud.

What if a Provider Does Increase Premiums or Deny Coverage?

If you somehow find an insurance provider that denies your coverage or increases your premiums because of pre-existing conditions, you have found a provider that is committing a crime. You need to report them to the proper authorities and find another insurance dealer who is going to have your back when it comes time to pay for your coverage.

Let Us Help You

So if you live in Chandler, AZ and have pre-existing conditions that you are worried will complicate your insurance, please don’t hesitate to contact us at San Marcos Insurance Group. Our specialists will take a look at your case and find a policy that is fair for you and which won’t cost you an arm and a leg to buy.

How Are Life Insurance Needs Calculated?

One of the best ways to offer protection to your loved ones in the event of your untimely death is life insurance. Life insurance is designed to give them the financial security they need to cover expenses and living costs in the years to come. Having a loss of income can devastate those who aren’t protected by a quality life insurance policy. Find out how to calculate your insurance needs with a few basic tips.

Calculating Life Insurance Needs

The rule of thumb for figuring out your life insurance coverage amounts is to add up all of the financial expenses, including tuition costs, for the next ten years. This will ensure that all of the bills such as mortgage payments are covered and give your family or loved ones the time they need to recover. If you are unsure of all of the costs that should be factored in, you can consult a licensed life insurance agent, and they will give you the information you need to get a figure that will protect everyone after your passing.

Finding The Right Insurance Company

Finding the right life insurance provider is just as important as finding the right coverage. You want to choose a company that offers superior customer service and can educate its consumers on the fine print in the contract. An excellent company that serves the residents in and around the Chandler, AZ area is San Marcos Insurance Group. They have highly skilled agents that can help you discover coverage options designed to fit your lifestyle and protect your family from financial losses as a result of untimely death.

If you live in or around the Chandler, AZ area and would like more information about life insurance options, call or stop by San Marcos Insurance Group to speak with a friendly agent. 

What Does Commercial Insurance Cover?

Owning a business is a very challenging experience. While it can be very rewarding and is a dream that many people share, owning a business does come with a lot of unique risks that need to be carefully addressed. For business owners that are in the Chandler AZ area, getting a commercial insurance policy could provide a lot of coverage that can mitigate some serious risks. Commercial insurance can provide a variety of types of coverage to a business and its owners.

Protects Against Liability

If you own a business, you are taking on liability whenever you have a customer come to your place or business or use your product or service. Given the volume that your business can do, this is a lot of risks that you are taking on every day. When you have a commercial insurance policy in place, you will receive protection against this liability. You will also receive support in the event your business is sued.

Injured Workers

When you have employees that work for your business, you will be required by state law to carry workers compensation insurance. This type of coverage will provide insurance coverage in the event an employee or contractor is injured while working for you on the job. This could prove to be very valuable for both you and your employees if someone is hurt.

If you are a business owner in the Chandler, AZ area and would like to know more about commercial insurance and how it can protect you and your business, contacting the San Marcos Insurance Group would be beneficial. The San Marcos Insurance Group will be able to explain to you what all the benefits of commercial insurance are and will help to make sure that you choose the right commercial insurance policy for your business.

 

Auto Insurance For Teen Drivers

Things often get confusing when it comes to car insurance for teen drivers. In most cases, young drivers are likely to cause more car accidents compared to older drivers, meaning that the risk level that the insurance company covers is higher. Younger drivers who are aged 16 and below have a higher crash rate compared to 18 and 19-year-old teens.  This makes teen car insurance a bit costly. The younger your teen is the more you will pay for the coverage.

Are you searching for car insurance policy for your teen? Companies like San Marcos Insurance Group serve the Chandler, AZ area and its surroundings and can provide affordable auto insurance for teen drivers.

Teen auto insurance alternatives

Since auto insurance policies for teens can be a little costly, here are some options to consider:

Add a teen to your auto insurance policy

One of the easiest and less costly ways to get auto insurance for your teen is to add them to your policy. Parents who add their teen to their policy should expect their rates to run high. Sometimes, these rates can go higher than insuring an adult driver.

Contact the insurance company and discuss the changes you would like to make on your policy in details. They will provide the minimum and maximum coverage limit to ensure that they inform you of the ins and outs of each coverage, including the available discounts. Also, ensure you have your teen’s driver’s license data before contacting your preferred insurance company.

Buy your teen their own policy

Are you wondering if you can get a separate teen auto insurance in Chandler, AZ? Yes, insurers can sell covers directly to teens. However, you must know what the state laws stipulate when it comes to your teen’s ability to sign for insurance. For instance, you might be required to co-sign and this doesn’t come cheaply. In fact, the teen might have a higher premium than adding them to a guardian or parent’s policy.

You can get teen auto insurance from San Marcos Insurance Group. Contact us today for more information.

The Benefits of Health Insurance

No one ever plans to get sick, but when it happens, you need to be financially prepared to cater for medical expenses. And with the rising costs of living, something as basic as healthcare can be very costly. That’s why you need to have health insurance with San Marcos Insurance Group to protect you and your family from the unknown. Plus, most people in Chandler, AZ are required to have health insurance or risk paying a penalty. Some of the benefits of having health insurance include:

Preventive Care Services

Several people have to deal with deadly diseases like cancer, diabetes, and obesity due to lack of early detection. Health insurance allows you one or more medical check-ups a year. This means that you have the chance to detect an illness early enough and treat it before it gets serious.

It Gives you Peace of Mind

No one wishes to get injured or ill, but it happens anyway and without warning. This means it could happen when you don’t have the financial ability to get proper medical care. With proper coverage, you don’t have to worry about that because your health insurance coverage will come in handy.

Offers a Wide Coverage

Health insurance offers several categories of health care services. They include inpatients care, doctor’s services, prescription drugs, pregnancy, maternity services, mental health services, pre-natal and post-natal services, dental services, surgeries, the list is endless.

Access to Certain Healthcare Services

In the event of an emergency, one second is all that is needed to save a life. Having health insurance may give you access to ambulance services and emergency room services.

San Marcos Insurance Group is here to help you find an affordable health insurance policy that suits your needs. We service the area of Chandler, AZ, and its environs. Contact us today for more information.