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.  

Various factors affect the cost of life insurance. Some of these factors can’t be changed while others depend a great deal on your personal choices and lifestyle. Your choice of occupation, habits and hobbies, for example, help determine the cost of a life insurance policy from San Marcos Insurance Group in Chandler, AZ. Here are some of the main factors that affect life insurance costs.

Your age and gender can affect the cost of life insurance. Life insurance is more affordable to buy when you’re young and healthy. The older you get, the higher the costs. If you’re a woman, you can expect to pay less for your coverage as women, in general, have longer lifespans than men.

Insurance companies consider your overall health and fitness when determining life insurance costs. People with health problems such as diabetes, cancer, heart disease, etc. will pay more for coverage due to greater risk of dying sooner. If your family has a history of inherited diseases, you will probably pay more for coverage as well. If you’re in good health, you can expect to pay less. By taking measures to improve your health, you’ll not only live longer but pay a reduced price for your life insurance premiums. Quitting smoking is another way you can reduce your life insurance rates.

Your choice of hobbies and occupation can raise or lower the cost of life insurance. Perilous hobbies like car racing or skydiving puts you at greater risk of having a fatal accident, resulting in your having to pay more for your life insurance premium. People with risky occupations like construction workers, firefighter or aircraft pilots are also more likely to pay higher life insurance rates.

Your choice of life insurance policy will also affect its cost. For more information on affordable life insurance options, contact San Marcos Insurance Group in Chandler, AZ.

Severe weather events can cause serious damage to communities, businesses and homes.  Business owners know that weather events can not only harm their physical structures but also disrupt their ability to serve their clientele.  Many owners wonder if they are covered if there is weather damage.  The simple answer is ‘yes’.  Most commercial insurance packages cover the physical structure of a business.  The amount and type of coverage that the business owner has will determine how the insurance company will compensate the business for the damage to or loss of a structure.  Within a commercial policy, the property insurance portion will cover not only the building but also the equipment and inventory.  The agents at San Marcos Insurance Group serve businesses in the Chandler, AZ area.  They can ensure that your business has the coverage needed.

It is important to know that during a large-scale weather event, insurance adjusters will be inundated with calls from customers so there may be some delay in them getting to the business’ property.  In order to begin operating normally as quickly as possible, business owners should photograph everything.  Owners can begin to clean up the property, clear debris and assess what repairs will need to be made.  If the coverage includes business interruption insurance, that will provide for the business to operate out of a temporary location until their building is repaired. 

Prior to and following a significant weather event, your insurance agent is your biggest advocate for the safety of your business.  The agents at San Marcos Insurance Group understand the challenges and potential threats to small businesses in the Chandler, AZ area.  They will work with you to get the coverage that your business needs while keeping premiums low.  Call or visit today!

Life insurance provides security for your family and loved ones.  Knowing that there will be some money available to help with debts, expenses, and allow your family to continue to thrive if something happens to you can be a great comfort.  Insurance, though, can also make a good investment.

There are different types of life insurance policies available.  The pros at Chandler, AZ’s San Marcos Insurance Group can help you make the right choice.

Four Reasons Why Life Insurance Is a Good Investment

1. Building Cash Value

   Whole life insurance builds up cash value over time.  You are covered with the full value in case something happens, but you can also cash it in, or in some cases, borrow against it if you need the money.

2. Tax Deferred Growth

   A permanent life insurance policy means deferring interest, dividends, or capital gains until you withdraw the money.

3. Diversification

   Choosing the right insurance policy can also help diversify your portfolio of investments.

4. Forced Savings

Let’s face it. Not everyone is good at savings.  Committing to paying for the right life insurance policy can help you maintain a consistent savings plan.

Invest Early in Life

Typically, the earlier you invest in an insurance policy, the lower the price.  The  longer you own it, the more the cash value grow.

Before you use insurance as an investment, or invest in anything, you need to make sure you understand any risks and read the fine print.  For more information, or to help you choose the right insurance, contact the Chandler, AZ agents with San Marcos Insurance Group.  We can help you design the right mix to meet you insurance and investment needs.

 

With so many commercial insurance options available, and a number of different types of policies depending on the kind of company a person has, it is no wonder that insurance can feel confusing. But it does not have to be that way. At San Marcos Insurance Group in Chandler, AZ, there are dedicated agents who are focused on making sure businesses get the insurance they need. That way their businesses are covered and protected, but they do not have a lot of unneeded coverage that can just complicate things. Every business’ needs are going to be different, and knowledgeable agents understand that.

Offices and manufacturing plants have far different working environments, and they also have differences in the kinds of customers that may come through the doors. The risks to people who work there and who come to the company for other reasons are going to be far different. Visitors, salespeople, and vendors may all come through a company on a daily basis, and all of those people have to be protected from unsafe conditions, If they do get injured somehow, the company will want to be able to take care of them while also protecting itself.

The right insurance company and policy will do all of that and more, and will give the company peace of mind, too. Fortunately, there are ways to get that kind of coverage and protection without any hassle or confusion. Reach out to San Marcos Insurance Group today, and start getting the peace of mind that any company owner wants. The Chandler, AZ area has other options, but taking care of everything in one place and knowing the agents are knowledgeable and the company can be trusted can make all the difference in how a business owner feels about their insurance.