Is It Too Late To Buy Life Insurance?

Aging has a way of sneaking up on us. One day you’re graduating from school and starting your life. The next, you’re making plans for retirement. What happens if, while attending to the daily business of life, you forget to buy life insurance along the way? Can seniors in the Las Vegas, NV area still benefit from a life insurance policy?

Can I Qualify for a Term Life Policy?

Companies like Sage Insurance Services Inc. offer term life insurance policies that cover a specific number of years. Seniors over the age of 75 will probably have a hard time finding this type of coverage. However, those who haven’t reached that level of maturity can still gain great benefits from term life coverage.

What About Whole Life Coverage?

Whole life insurance policies are designed to cover you until your death. There are very few restrictions related to age for these policies. For that reason, seniors who have neglected their insurance coverage are more likely to be accepted into these funds. These policies do accrue cash value over time that subscribers can use for emergencies and other investments. However, depending on your life span, you may not have enough time to gather enough cash in the fund for your own use. Any extra cash will go to your dependents.

What Can I Do With My Life Insurance Policy?

  • Pay final expenses. The Social Security death benefit is never enough to pay for burial expenses. Your life insurance policy will provide your dependents with enough cash to give you a proper going-home ceremony.
  • Pay other financial liabilities. If you still owe money on your home, automobile, or businesses, funds from your life insurance policy will help your surviving dependents pay these off so they aren’t burdened by debt.
  • Provide for your family’s future. The money from your life insurance policy can be used to pay for education, moving expenses, or as a nest egg for surviving adult dependents.

Sage Insurance Services Inc. offers life insurance policies for residents of all ages in the Las Vegas, NV area. Contact us to find out more about your late-life insurance options.

Does The Holiday Season Put Your Business at Higher Risk?

The Holiday Season is the busiest time of year for may businesses even if they are not retail. There are many inherit risks when it comes on increased productivity, however there are also holiday specific risks a business owner should be aware. At Sage Insurance Services Inc. we want your business to be fully protected from loss year round. We serve Las Vegas, NV and the surrounding areas. 

Business Risks Unique to the Holiday Season

  • Theft is an increased risk during this time of year. in retail, the larger amount of people in and out of your business increases the risk, but even in other businesses, there are higher levels of theft from employees and other people. Offset this risk with increased security, and awareness. Also, a risk when it comes to theft within a business is employee injury be sure to educate your employee about not putting themselves at risk in the heat of the moment if there is a theft or robbery. 
  • Holiday parties are a perk of this time of year. They are a great way for your employees to get to know each other better and build moral across the company. However they do pose certain risks and drinking on company property should be kept to a minimum, even better for your liability issues would be to rent a room in a local restaurant or hall. 
  • The roads can be increasingly hazardous, even in areas without snow. this is due to increased traffic from shoppers, family visiting each other, and tourist in Las Vegas. Be sure to educate your employees that drive a company vehicle on increased holiday driving awareness. 

Contact us at Sage Insurance Services Inc. for more information about your business liability during the holiday season. We serve the people of Las Vegas, NV and the surrounding areas. 

 

Auto Insurance for Teens with Permits

Having a learner’s permit is like a rite of passage for teens. While it is an exciting time for your teenager, it can be scary for the guardians or parents. Do you understand the reservations you have when you think of auto insurance? It is possible for your teenager to get behind the wheel as a young driver with auto insurance from Sage Insurance Services Inc. Read on to learn more.

Why consult with your insurer

Circumstances and insurance needs vary. Therefore, you need to talk to your insurance company instead of just assuming that your teenager is covered under your policy. In fact, if you don’t do that, you may end up paying a lot of money out-of-pocket for a loss that you assumed was covered under your auto insurance policy.

It is possible to get auto insurance with a permit?

In some circumstances, you can get a separate policy for your teen driver. This is another issue that you need to consult with your insurer about. When you double check with the insurer, you’ll get more information concerning the circumstances that may require your teenager to purchase a separate policy using the learner’s permit. For instance, your teenager may be required to purchase a separate policy if he or she owns the vehicle registered under his/her name. Moreover, this is an opportunity for you to discuss with the insurer on how to get the best coverage for your daughter or son when the full license is obtained.

How to pick the right learner’s car

It is important to know the type of car your teen will be driving while learning. If there is more than one car in your household, you should relegate the least flashy car with the highest safety rating to your teen during the learning period. Insurance companies tend to recognize muscle family cars built to go fast. So, to help reduce premiums, consider the car with the least insurance premiums. In other words, your insurance rates can increase significantly if your licensed teen is added to your auto insurance policy.

You can make significant savings on your auto insurance by making wise decisions in Las Vegas, NV. Are you considering adding a learner’s permit to your auto insurance? Contact us today at Sage Insurance Services Inc. for more information and guidelines on how to go about it.

 

3 Common Causes Of House fires

What’s your greatest nightmare as a homeowner?

If unexpected disasters like house fires top your worry list, that’s no surprise. those are valid concerns, even if you do have homeowner’s insurance from Sage Insurance Services Inc.

In 2015, 3280 deaths occurred as a result of house fires in the US alone. In a dry climate area such as Las Vegas, NV, the fire risk is significantly higher. Here are the top 3 common causes of house fires.

1. Cooking Accidents

Have you ever left your stove or oven on unattended?

Its an innocent mistake: You figure you’ll just step outside or to the next room for a second while your meal is cooking. An open flame or an oven left on is never safe if unsupervised, though.

If you’re cooking, stay in the kitchen until your stovetop and oven are off. Also, don’t attempt to fight a kitchen fire yourself unless you have a fire extinguisher on hand. Never fight a grease fire with water.

2. Faulty Appliances and Bad Wiring

Is the wiring in your home up to code?

The second most common cause of house fires is an electrical issue, either due to a faulty appliance or bad wiring. Large appliances such as clothes washers are major culprits.

Make sure your wiring is up to code by hiring a certified electrician to fix any wiring issues if they arise. Never do the rewiring yourself.

Also, prevent nighttime fires by not running major appliances right before bedtime. According to this house fire statistical data, 50 percent of house fires happen during the night. Most nighttime fires yield bedroom fatalities. Before going to bed, turn off all major appliances such as clothes dryers, and disconnect any unnecessary power strips around the home.

3. Open Flames

Do you light candles around your home sometimes?

If so, make sure they aren’t left lit in risky places. If you leave the room, blow out the candle. Most importantly, don’t leave the candle within easy access of pets or children.

Does your Las Vegas, NV home insurance offer a generous house fire policy? Even if you take preventive steps, your home can be susceptible to this type of devastation. A robust home insurance policy can mean the difference between a tragedy and a temporary setback. If you haven’t already, contact a helpful agent at Sage Insurance Services Inc. to explore and buy coverage that will give you peace of mind in your home.

 

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Sources:

Residential Fire Statistics Infographic

https://www.firedex.com/blog/2015/08/06/residential-house-fire-statistics-infographic/

 

US Fire Statistics:

https://www.usfa.fema.gov/data/statistics/

 

NFPA Report: House Structure Fires:

https://www.nfpa.org/News-and-Research/Fire-statistics-and-reports/Fire-statistics/Fires-by-property-type/Residential/Home-Structure-Fires

What is term life insurance?

No one really wants to think about what would happen after they pass away, but for anyone with a family, this is one of the most important questions that need to be answered.  While your loved ones will never be the same after losing you, they will also be financially vulnerable.  In addition to losing your income, they may also have to contend with medical bills, legal fees, and other expenses.

In order to pay these bills, your family will probably need to rely on the funds received from a term life policy.  These policies are priced relatively cheaply and are good for a set period of time.  During that time frame, the policy would pay your survivors the value of the policy in the event of your death.

Term life policies are usually purchased in ten year increments.  For many young people, the risk of dying is fairly low, so the overall cost of these policies is much cheaper than other forms of life insurance.  That makes them an ideal choice for young families that are on a budget.

A term life policy can provide a lump sum payment to your loved ones that can cover any outstanding bills and leave additional funds to support your family until they have time to adjust to your loss.  This money can be used to pay off debt or it can be invested to provide a lifetime of income.

If you’re a resident of the Boulder City, NV area and you’re thinking about buying life insurance, contact the professionals at Sage Insurance Services Inc.  They can help you find the policy that is right for you.

Three Things You Should Know When Purchasing Boat Insurance

Purchasing an insurance policy for a boat isn’t always as easy as obtaining insurance for an automobile. Many insurers will not underwrite policies for boats. Other insurers want to charge an exorbitant premium for very little coverage. If you are looking for an insurance policy to cover your boat, keep the following three tips in mind as you comparison shop for the right policy at a price you can afford.

Minimum Coverage Isn’t Always Enough

Many states have laws on minimum coverage amounts; these amounts may not always be enough if an accident happens. Look at your overall financial picture and determine how much coverage you need to protect yourself in the event that an accident happens with injuries to other people and damage to property. Then select your coverage amounts and deductibles accordingly.

Types of Coverage Needed

Your boat is not the only thing that needs insurance coverage. You should purchase a policy that includes coverage for damage to property other than your boat, including other watercraft. You should also obtain coverage for injuries to yourself and others involved in an accident.

Cheapest Isn’t Always Best

Many people will select a boat or automobile insurance policy based on which policy has the cheapest premium amounts. This can involve exorbitant deductibles that can cause a hardship in the event of an accident. Select your policy based on coverage amounts and overall costs in the event of an accident. Don’t let the upfront premiums be your deciding factor.

If you are in the Las Vegas, NV area and you have a boat that needs insurance coverage, Sage Insurance can help. Visit online to get a boating insurance policy with more than the state minimum coverage at a price you can afford. Then go out and enjoy your boat with the peace of mind that comes from having all your affairs in order.

The Importance of Updating Your Insurance Policies

Here at Sage Insurance Services Inc. of Las Vegas, we want to make sure our clients have the absolute best coverage at all times. It is our job to ensure that you feel safe and taken care of as customers. One of the things that can help you stay at the best position possible with your coverage is occasionally updating your policies. While you may have started on the best plan for you, there may be an even better option for you now!

Regardless of the type of policy, over time things in your life change that could affect your insurance coverage. If you have made changes in your home that add safety features or substantial value to your home, your current policy could be out of date. Reevaluating could find you a cheaper rate, better coverage, or even discounts to add. A better premium is always a bonus, but making sure you are adequately covered could save you even more. If you have made a new large personal purchase or added on to your home, you don’t want to wake up one day to find that those things weren’t covered on your initial policy.

The same goes for your auto insurance. If you are thinking about purchasing a new car, check into how this will affect your premiums. Once you have made the purchase make the update immediately! You don’t want to drive your gorgeous new car one single day without making sure that it is 100% covered! New drivers in your household mean an update too. Teen drivers can increase your premium by quite a bit, but they can also qualify for discounts like a “Good Student” or “Drivers Education” discount.

What is available to you at any given point can change or fluctuate with your own life and you owe it to yourself to keep all your insurance policies up to date. If you don’t ask you’ll never know, so make sure to give one of our fantastic Sage Insurance agents a call to see what they can do to help you make your policies work better for you!

Little Known Uses For Common Cleaning Products

Everyone loves a great multi tasker so why not try to find alternative uses for your favorite household cleaners? There are more uses for common household goods than you might imagine and knowing what they are can help save time and money.

Dish soap can double as a grease remover in your laundry. Dish soap is formulated to help remove grease from plates and other dishes which means that when used in the wash it attacks grease stains and helps to life the fats that are in the grease out of your clothes quickly and easily. Similarly, vinegar can help remove nasty stains from clothes and peanut butter can remove gum.

Another cleaning product that pulls double duty is lemons. These can be used to help scrub away stains in pots and pans and can also work as an air fresher in your trash and garbage disposals. This fragrant fruit is great for adding a bit of a fresh smell to any room and can help make your life easier. The acid in the juice of a lemon can attack stains and when paired with something like baking soda it has even more cleaning power.

Have a broom duster, the pads can be used as cleaning cloths as well. Instead of buying a duster and a dusting broom buy just the broom and use the wipes to help remove dust from surfaces all over your home. These duster wipes can help collect dust and make your job tons easier without having to buy a million different cleaning products. No matter what products you use Sage Insurance Services Inc. wants your job to be easier so why not take a few short cuts. These are just a few multipurpose items, you can use them for just about whatever you want.

How to Best Keep Your Car Clean in Las Vegas, Nevada

Cleaning your car in Las Vegas, Nevada has a number of benefits. For one, it looks good as you drive around Sin City in your spotless car, impressing everyone you meet. Having a regularly cleaned vehicle will also up the resale value when you sell the car and ideally upgrade to something better. However, having a clean vehicle can also help protect you from getting into a car accident due to dirty windows and mirrors and subsequently bad visibility. Of course, this is all easier said then done so below are some tips on how to best keep your car clean in Las Vegas, Nevada.

WASH AND WAX EVERY WEEK

By washing and waxing your vehicle every week, it will stay clean and not accumulate layers of dirt that are difficult to wash off every so often. Rather, with the help of the wax on the exterior, the vehicle will be easy to clean of most substances that land on it’s exterior. This habit will help keep your car looking as good as new as long as you own it.

OLD NEWSPAPER ON THE MIRRORS AND WINDOWS

Something about the texture of old newspaper along with streak free window cleaner manages to get these surfaces cleaner that any other material. Wipe down windows and mirrors on at least a weekly basis in this way, so that you have good visibility and don’t end up in accident, which will up the insurance policy you set up with, say, a Las Vegas area broker like Sage Insurance Services Inc.

BUY A HAND VACUUM

Washing the exterior, windows and mirrors of the vehicle is most of the cleaning, but then there is also all the dirt that is tracked into the floor and seats. Therefore, you should purchase a hand vacuum to easily suck all of this up every few weeks.

Top 3 Car Cleaning Hacks

One of the most underrated car maintenance matters, keeping your car clean may take more effort than you originally thought. Do you need a bit of help in terms of the cleanliness of your vehicle? The following is an overview of the top 3 hacks to keep your car clean. 

1. Get Rid of those Pesky Bugs 

One of the hardest things to wash off of your vehicle, dead bugs on your car take some effort to get rid of. While there are many methods used in order to complete this task, one of the cheapest, easiest, and least expensive, involves applying car soap to the outside of your vehicle with a washing mitt. In the long run, this will keep the bugs from sticking to the finish. 

2. Shine Your Headlights

A matter that deals with both the safety and aesthetics of your car, your headlights can and will get cloudy over time, thus, making them less effective. By simply wiping them down with toothpaste and rinsing them with water, you will work wonders on the power of your headlights. 

3. Polish the Windows

Lastly, keeping your windows clean will not only help your car to look nice, but it will also help you stay safer on the roads. While there are a number of ways to shine your windows, one of the easiest and least expensive methods is by using 1/4 cup rubbing alcohol, 1/4 cup vinegar, 2 cups of water, and a few drops of lemon essential oil. With this mixture, you will wash your windows, with the help of some old newspapers. 

Overall, in addition to keeping your car clean, one of the best things you can do to stay safe on the roads is to get good insurance coverage. For instance, Sage Insurance Services Inc. serves the entire area of Las Vegas, Nevada. Stay safe and call them today!