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!

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.

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.

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. 

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.

 

Many health tips are well-known, such as eating less and exercising more will lead to weight loss, or drink more water to prevent dehydration.  These 7 health tips may seem a little strange, but they work to improve your health.

1. Skip the energy drink when you need energy because you’ll avoid the spike and crash when it wears off.  A big glass of water will improve your energy for a long time consistently.
2. Eat less by eating more protein.  A 100-calorie snack of crackers may seem like the way to go, but eating something with more protein will sustain your hunger longer.  No matter how carbs are dressed up, it will cause you to crave more carbs.
3. Skip the diet soda when you want to lose weight.  Studies show that dieters who regularly drink diet sodas eat more food calories.
4. When you’re feeling exhausted is the best time to get some exercise.  A single 30-minute moderate exercise session will energize you and also improve your mood.
5. Cool off by drinking a hot beverage.  Sipping a hot cup of tea will increase your body’s natural sweat production and cool you off naturally as it evaporates from your skin.
6. Stop using antibacterial soap to help prevent illness.  Studies show no evidence that antibacterial soap is more effective than regular soap.  Long-term exposure to the chemicals can decrease necessary natural bacteria that helps fight infection.
7. Handwritten notes can help boost your brainpower.  Handwriting notes will help improve your memory and boost the brain because it’s processing more information.

San Marcos Insurance Group

The agents at San Marcos Insurance Group in the Chandler, AZ area care about your health.  If you need health insurance in the Chandler, AZ area, contact one of our knowledgeable agents today to explore your options.

Making sure that you are properly covered by insurance is a very important component of overall personal financial health.  One type of insurance that people should consider getting is umbrella insurance.  For those that are in the Chandler, AZ area, there are several factors to consider when determining if you do need to get umbrella insurance.

Lack of Liability Protection

One of the main factors to consider when you are determining if you should get umbrella insurance is figuring out if you currently lack liability protection.  If you do not have a strong liability policy in place on your home insurance policy, then having some additional umbrella insurance could be very beneficial.  This will be able to provide you with additional liability coverage on top of your existing home, auto, or other insurance policies.  

Higher Risk of Lawsuit

The second situation in which you should have umbrella insurance in place is if you are a higher risk of being sued.  If you are a public figure or are well known for being wealthy, you are more likely to be targeted for lawsuits.  To ensure you are protected for one of these lawsuits, you should have an umbrella insurance policy in place to provide you with liability coverage.  The provider will not only provide coverage but could also handle negotiations for you.

Since determining whether or not you need to have umbrella insurance in place is confusing, working with a professional could be beneficial.  For those that are in the Chandler, AZ area, a great first place to start is with the San Marcos Insurance Group.  When you work with the San Marcos Insurance Group you will receive more feedback on your situation and will receive guidance as to whether you need umbrella insurance and how much coverage you should have.