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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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What Is the Purpose of a Whole Life Policy?

Whole life and term life policies serve two very different purposes. Individuals who want to buy insurance for a specific number of years will look into a term policy. Those who are looking for a way to secure their family’s future if something happens to them will want a whole life policy. The agents at Attain Insurance serve the residents of Fort Payne, AL and help them find the right type of life insurance to meet their individual goals. 

It Lasts Your Whole Life

Unlike a term life policy, a whole life policy is meant to remain in place until you pass away. The premiums are higher than a term policy because the end date for the policy is unknown. if you live for five years or fifty years, the policy will remain in place and continue to build equity and value.

Protects Your Family

A whole life policy is designed to secure your family’s financial future if you pass away and leave them without your income. Most whole life policies will pay out a large sum of money that is intended to provide for your family for two, three, or five years after your passing. Unlike a term policy, a whole life policy will pay out the full amount of the policy no matter how much you have paid into it. 

Residents who live in Fort Payne, AL and want to learn more about whole life insurance and how it can benefit their family can call the agents of Attain Insurance. They have the answers you are looking for and can help you determine just how much coverage you need to have in place. Call today!

Does Commercial Insurance Cover Damages to Vehicles and People in the Parking Lot?

Commercial insurance does a great deal to help make sure that business owners are safe and sound. It covers a huge range of different things and works to help you feel secure and to make sure that your patrons and your employees are safe as well. For those that live in the Fort Payne, AL area, the agents with Attain Insurance can help you to find the coverage that fits your needs.

Commercial insurance covers a wide range of things including helping with damages and injury to your patrons, as long as they are inside the building. Your commercial policy, unless otherwise stated, does not cover damages, does not cover injury, and does not cover any sort of event that happens in the parking lot of an establishment. This is because there are too many unknown variables in the parking lot of business. There may be damage that is not the fault or the responsibility of the business owner, that is not something that can be prevented, and there may also be an injury that is not the fault of the business owner.

Your commercial policy is going to cover injuries to patrons that are inside the building unless of course, the injury is due to negligence on your part as the business owner. Your commercial policy does a great deal, but there are some limits to what your coverage will do and what you can get out of your commercial policy in terms of paying off settlements and other issues. For those that live in the Fort Payne, AL area, the agents with Attain Insurance can help you find the appropriate commercial policy and the right coverage amounts that you need to be protected no matter what.

Why Is It Important To Review Your RV Insurance Policy Annually?

When you own an RV in Fort Payne, AL, it’s important to have a policy that you can rely on. Your policy should be reviewed annually to ensure that it offers the level of coverage that you need.

Working with an insurance agent at Attain Insurance can make it easier to know what the best coverage is based on where you go and what you can afford.

Things can change at any time. You may decide to take your RV to another part of the country. You may add a few bells and whistles on the RV, too, ensuring that you maximize its use. When you do these kinds of things, you have to look to see if your existing policy is providing you with enough coverage.

For example, if you don’t have coverage for vandalism and you’re planning on parking it in an area where there is a higher crime rate, it might be time to add more to your policy. Similarly, if your RV is worth more because of what you’ve added, this should be taken into consideration with your liability levels.

Additionally, rates can change. Every insurance company uses a slightly different formula for calculating premiums. If a particular insurance company has had a lot of claims in your area in a year, your premiums may go up even though you, personally, didn’t file a claim. By working with a professional insurance agent, they can help you to get the best deal. Much of this comes from getting multiple quotes to compare premiums against. It could end up saving you quite a bit through the year.

Contact us at Attain Insurance today to learn more about your RV insurance policy. We can review your coverage and make suggestions to ensure you have what you need to protect your investment in Fort Payne, AL.

 

Secure Your Investment With Aviation Insurance

Purchasing a helicopter for either recreational use or commercial is an investment that should be financially protected. Purchasing aviation insurance with Attain Insurance can secure your helicopter investment. Our agents ensure that aviation insurance is available for residents in or around the Fort Payne, AL community and provide the types of coverage that will protect the customers and the helicopters.

In-Flight Insurance

When purchasing a policy, it is important to ensure that motion or in-flight coverage is available. This coverage refers to any damages or injuries that occur while the helicopter is in motion. This coverage is critical, as most of the damages incurred in Alabama occur during this operational time frame. When drafting an aviation policy, it is critical to outline this coverage specifically, especially if your helicopter is used for excessive use either recreationally or commercial. 

Passenger Liability

Helicopters have the capabilities to hold several passengers when in motion. Should an accident occur with the helicopter and passengers are on the craft, your insurance will cover any damages or medical expenses associated with the liability claim. Passenger liability is a type of coverage that may be required based upon your pilot license, so including it in your aviation policy is a necessity. The financial obligations of not having liability coverage can cause excessive debt for you in the event that your passenger has a serious bodily injury or suffers a fatality. Should such an accident happen, it is highly recommended to be thoroughly covered on liability.

Secure Your Helicopter Investment Today

Our agents at Attain Insurance understands that different aviation crafts can desire different coverage needs. Protect your helicopter today by contacting one of our agents for more information. Our agency proudly serves pilots and aviation owners in and around the Fort Payne, AL area. 

Does Flood Insurance Cover Owner Caused Floods?

Don’t Wait Until The Water is Rising To Call Us

We don’t like to think about when we will need to use insurance. Insurance is just for the just in case. Most of us think that our homeowner’s policy will carry us through most home calamities. The fact is that it does not. Standard home insurance does not cover flooding at all. In fact, it may help toward some rain damage – but when it comes to an actual flood and the damage that occurs,  a standard home insurance policy will not suffice. 

Does Flood Insurance Cover Owner Cause Floods?

Flood Insurance does not cover floods caused by homeowners or other residents of the home or guests of the home. Flood insurance covers floods that are caused by extreme weather events and conditions.  Unfortunately, the damage is the same. Home insurance may cover some damages caused by individuals. It is important to discuss the points of coverage with an experienced agent today. Chances are if you have a potential flood starter in your home i.e a young child you can find out if a special rider can be attached to your policy.   

Is It Easy To Attain Insurance?

The short answer – yes. Here it is easy. At Attain Insurance our name says it all. Educate yourself about what your individual needs are as a homeowner and then, by all means, attain insurance. In addition to flood insurance, the experts at Attain Insurance also specialize in Classic Car, Home, Life, Commercial, RV, and Other Insurance products. So Fort Payne, AL 35967 where a knowledgeable agent can assist you. You can give us a call today and we can discuss how flood insurance can lead to more comprehensive protection for you and your family. 

How to Include Life Insurance in Your Retirement Planning

As Fort Payne, AL citizens consider retirement, it’s important they factor life insurance into their retirement plans. At Attain Insurance, we want you to have a life insurance policy that benefits and adds to your retirement. Here is what you need to know about how to consider including life insurance in your retirement plans.

Use Your Policy to Build Cash Value

A permanent life insurance policy will build cash value. That feature online offers you a number of possible avenues to use that cash value towards your retirement and retirement planning. As the cash value grows, it can become a tax-free source of retirement income.

You can also borrow from your policy’s cash value. You can even use the cash value to pay your insurance premiums. You will have to plan how your cash value will grow then look into more of what you can do with it.

In general, your policy’s cash value will give you a highly flexible source of income that you can use to seed every part of your retirement plan. If you choose a life insurance policy that doesn’t accrue cash value, you can still use to help with your retirement planning in other ways.

Use Your Policy as an Investment

Various types of life insurance plans exist. Some plans can help you specifically with retirement by offering an investment aspect with the life insurance benefits. You should consider a policy that supports the financial planning of your retirement.

Right along with your other retirement investments, your life insurance policy can serve as another way to get the most out of your retirement. For example, a term life insurance policy can cover expenses should you pass away. However, the money you save with a term policy can go towards other investments.

A life insurance policy can work with any retirement plan in Fort Payne, AL, but you must first speak with a knowledgeable agent about your options. To learn more about using life insurance with your retirement planning, contact Attain Insurance today.

Types of Commercial Insurance

Commercial insurance protects your business against a wide variety of risks and the coverage needs can differ among businesses. Your commercial insurance needs are unique, just as your business is unique from other players in the market. A standard commercial insurance policy is definitely a good place to start, but it may not be able to adequately meet the needs of your business. You may need additional or specialized insurance for your business.

Getting Commercial Insurance

There are several factors to consider when getting commercial insurance for your business. One of them is the type of commercial insurance you need. As you probably already know, there are many types of commercial insurance. Talk to licensed agents to Attain Insurance in Fort Payne, AL for guidance on what type of commercial insurance makes sense for your business. Here are the most common types of commercial insurance:

  • Workers’ Compensation Insurance. This coverage protects your employees from losing their income after sustaining injuries or developing illness on the job. Workers comp is mandatory cover in Alabama.
  • Liability Insurance. If the activities of your business cause an injury for a third party and lead to a lawsuit, liability coverage covers the loss. This coverage also applies to lawsuits arising from damaging third party property.
  • Property Insurance. Property insurance covers losses or damages relating to real estate or personal property. For instance, this policy would cover the damage in the event of a fire in your business offices.

There are many other additional coverages to consider, but these are just the basic coverages included in a standard commercial insurance policy. Coverages such as commercial auto insurance, errors, and omissions, etc. are also essential. If your business is based in Fort Payne, AL, you will find all the types of commercial insurance you need to Attain Insurance. Give us a call if you need more information about commercial insurance in the area.

Who Needs Life Insurance?

Not everyone needs life insurance in Fort Payne, AL.  Typically,  you would only need life insurance if someone is relying on your income, whether it’s a spouse or other dependents. Life insurance was designed to help replace your value when you are gone, which is why if you are single and don’t have anyone that would rely on your income, you may not need it.

While single people with no dependents may not need life insurance, there are some benefits to having it. When you die, even a simple funeral could be costly and, without life insurance, relatives will have to pay for this. A small policy from Attain Insurance can be used to cover these expenses.  If you have joint assets with someone, such as being a joint debtor with a brother on the mortgage, then life insurance can help make sure that the person isn’t responsible for the whole debt if you are gone. If you get life insurance now while you are single and younger, it will be easier to obtain a policy, instead of waiting until you are older and your health declines. You may not be single forever and it’s easier to get life insurance while you are younger.

Breadwinners, stay-at-home parents, divorced parents, parents of special needs children, homeowners that still have a mortgage, and business owners are all examples of people that should have life insurance. Life insurance can help make sure that children will be taken care of. Even stay-at-home parents provide value and if they pass, life insurance can pay for the cost of childcare and other services they do on a daily basis. Even those without a lot of wealth can use life insurance to provide a small inheritance to family members.

There can be a number of benefits for life insurance, no matter what your situation is, so speak with an agent at Attain Insurance serving Fort Payne, AL to find the best policy for you.

Commercial Insurance Needs for Licensed Professionals

Licensed professionals such as doctors, dentists, lawyers, accountants, and pharmacists, etc. have special insurance needs for Professional Liability Insurance. This specialized insurance coverage is sometimes referred to as Errors and Omissions Insurance. For healthcare professionals, is it also called Malpractice Insurance.

The critical need for this type of insurance arises from the fact that small mistakes can ultimately lead to huge lawsuits. Pretty much everyone makes mistakes. For some professionals, these mistakes can be very costly, like when a stockbroker hits the sell button on the screen instead of the intended buy button. Millions of dollars, maybe even billions of dollars over the years, have been lost in this way from such a simple mistake.

Other mistakes are more serious when they result in the permanent disability or the death of a person. This is a huge liability risk for healthcare workers.

Liability may arise for a professional even if there is no mistake or bad intent. An example of this would be a client of a hairstylist that has a serious allergic reaction to a hair care product. No one should expect a hairstylist to know about an undiscovered allergy, especially if the client did not warn them about having any allergies. Nevertheless, when such an unfortunate thing occurs the hairstylist will probably face a lawsuit. To be sure that you have adequate professional liability insurance coverage consult with your agent at Attain Insurance in Fort Payne, AL.

Special Needs for Professional Liability Insurance

For each industry sector of professionals, the liability insurance is designed for the specific needs of those professionals working in that sector. For example, architects need different items covered than doctors. An architect may need coverage for design flaws in building construction plans that cause third-parties to be harmed. A doctor may give an incorrect prescription or treatment that causes someone to become disabled or die.

Whatever your insurance needs might be, as an active professional, contact your agent at Attain Insurance, serving Fort Payne, AL and the surrounding area, for a quote.

Special Needs for Insuring a Classic Collectible Car

When you own a classic collectible car, it is best to work with your agent at Attain Insurance in Fort Payne, Al to make sure your insurance coverage is adequate. If you are just content to own the car for your own personal collection, you will still want to have sufficient insurance if the value of the collectible auto increases. Sometimes, for the rarest vintage vehicles, the value can increase dramatically.

Some examples include the steady increases in value for the Porsche 911 vehicles, especially for special editions. Many classic cars from the 1980’s and even the 1990s are rapidly appreciating in value when they are in pristine condition. Older vehicles like Aston Martins, Alfa Romeos, and Jensens are also doing well.

Some rare special editions go up in value very quickly, especially if there are only a few of them left in good condition. In 2014, a 1962 Ferrari 250 GTO sold for just over $38 million. Haggerty says that the newest cars demonstrating collectible quality include 2000 to 2006 BMW M3 vehicles, the 1976 to 1986 models of the Jeep CJ-7, and the 1989 to 2001 Mercedes Benz SL.

On the average, the value of an in-demand classic collectible car increases about 10% per year. Naturally, this means your insurance coverage should increase as well to match the higher valuation.

Any owner of a classic collectible vehicle should make a habit of having an annual insurance review by working with their agent at Attain Insurance in Fort Payne Al. And, while you are at it; it is a good idea to review all of your other insurance coverage at the same time.

Classic collectible cars are fun to own and they need to have adequate insurance protection. Contact your agent today to get an insurance review in order to make sure the coverage is adequate based on the present-day value.