Got Questions? We’ve Got Answers!

Welcome to our FAQ’s page where you will find answers to the most commonly asked questions.

Can any insurance agent recommend what I need for a business policy?

The great thing about businesses is that they are all different! Well it is the SAME with every insurance company. When looking for business insurance you need to find an agent that has YOUR needs in mind, along with  great experience and variety as an agency.

What is impaired risk life insurance?

Impaired risk life insurance is life insurance for individuals who have current or a past history of medical problems. Typically life insurance policies are very difficult to place when the individual is or has had medical problems, but The Paul Long Agency offers a specialty niche for people in need of high risk, impaired risk life insurance. You can learn more and get a quote for impaired risk life insurance here.

When do I need to purchase life insurance?

If you have not thought about the purchase of life insurance or you are just looking, the Paul Long agency will give you reasons to make this wise purchase;

Some factors include:

  • Single
  • Childhood
  • Newly Married
  • Business Partnership or Purchase
  • Estate Planning
  • Home Purchase
  • Pre-Retirement
  • Retirement

Regardless of what stage of life you are in, their is always a need for life insurance. Let The Paul Long Agency find a coverage that best fits YOU!

How much insurance coverage do I need?

Your individual needs and situation should dictate how much insurance you need. When you’re trying to determine how much insurance to buy, here are a few factors to think about:

  • How much can you afford to pay out of pocket? (Choose a deductible that you know you can pay out of pocket. Also, if you choose lower limits, you might be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, too.)
  • Do you make payments on your car? (If you do, you may be required to have Comprehensive and Collision in addition to Liability coverage.)
  • What type of vehicle do you drive? (It’s wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.)
  • Do any drivers live in your house but never drive your vehicles? (You can exclude them from coverage on your policy, which means you won’t have to insure them on your policy.)

Remember, you can always call us if you have any questions about coverage. We can answer any questions and help you decide before you buy.

What do I need to get a commercial insurance quote?

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What do I need to get a quote on Farm insurance?

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What is an annuity?

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What is the difference between an independent agent and captive agent?

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What is the Market place for health insurance?

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How many people do I need to put a group health insurance policy together?

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What is a types of insurance will I need when I go on medicare?

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