​When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. Understanding the total loss formula will give you some insight into what might happen the next time an accident damages your vehicle.

​Owning a vehicle is a big responsibility. Even if you never take it out onto the road, it tends to be a good decision to maintain proper auto insurance on it. This can help protect your investment. However, the laws on this differ from one state to the next. A vehicle not on the road may not legally have to have coverage. But, what should you do?

​When most people think of life insurance they think of the end of life needs. Most people think life insurance is just to cover the cost of estate taxes, paying off debt, replacing income, or mortgage protection which are all valid reasons for life insurance. Life insurance does more than just cover the loss of income or pay off debts when someone dies. If set up correctly; life insurance can care for you in a variety of ways. Agents use what is called a “rider” or insurance clause to add in the right protections for your future. With the right rider life insurance can give you financial protection against cancer or other critical illnesses that may strike later in life. Life insurance can be written to provide income if you become disabled. There is assistance with long term care if written into the life insurance policy as well.