Life Insurance: Do It Now, So They Don’t Have To Later

The death of a loved one is something that many families avoid talking about because it is scary, rude, or just something that you don’t think about. We’re telling you that now is the time to break the silence and start discussing your wishes and making plans in the case of your death. The days and weeks after a loved one’s passing should be a time of grieving, celebration of life, and healing. It shouldn’t be a time to stress over finances and funeral arrangements.

It is important to protect your loved ones from suffering a financial crisis, in addition to the grief of losing a member of their family. Preparing for the worst begins at writing a will, but there are additional ways to unburden your beneficiaries. Purchasing cemetery plots and pre-paying for funeral costs during your life, allows you to make the arrangements the way that you would like them without being rushed or pressured into overpaying.

According to multiple studies, people who are sad or emotionally upset are more willing to overpay for products and services.

Another way that you can take care of your family after your passing is to purchase a quality life insurance policy. Many life insurance policies can completely cover funeral expenses, estate taxes, loss of income, and other inherited debts that may become your family’s responsibility. At Insurance Town and Country, we understand that choosing a life insurance policy is a huge decision and our insurance experts have years of experience helping to keep families like yours protected from the aftermath of tragedy.

Please call us at 303–388-7216 if you have any questions about life insurance or related policies. We also encourage you to view our Life Insurance information to know what policies are available to you. This information includes:


Pet Insurance: Man’s Best Friend’s Best Friend

When you get a pet, you invite him or her to become a part of your family.  You care for your pet and they love you in return.  However, life is unexpected and often unfair; pet insurance is meant to keep a pet owner from having to make the decision between paying the bills and saving their best friend.

Pet insurance covers accidents and injuries, but wellness care and continuing care options are available as well.  Insurance Town and Country offers ASPCA Pet Health Insurance to our customers.  This policy offers amazing coverage and benefits, such as:

  • Get reimbursed 80% of usual and customary covered charges
  • Only meet a low $100 annual deductible per pet
  • Use any licensed veterinarian in the US or Canada
  • Track claims and update information easily online
  • Multiple pet discount

Pet Insurance can be surprisingly affordable and is a policy addition of which many pet owners take advantage.  Premiums vary by the breed and age of your pet or pets, as well as the level of coverage that you choose.  To learn more, call us at 303–388-7216 or request a Free Quote Online.


Business Interruption Insurance: When Disaster Strikes

You have a great business. You are meeting your customer and clients’ needs and operations are running smoothly. Then disaster strikes. Lighting hits your building and destroys one of your machines or a snowstorm collapses your ceiling. What do you do now? Your Business Owners’ Policy may take care of the damage, but what about all of the income that you lose by not being able to produce?

The answer is Business Interruption Insurance or Business Income Insurance.
These policies protect you from losing the revenue that you would have received if your business had not been forced to stop due to the disastrous event. It also covers Fixed Costs still incurred by the business, the expense of moving to a temporary location, reimbursement of reasonable expenses that allow your business to continue operating while repairs are being made (in addition to fixed costs), and Civil Authority Ingress/Egress (this includes government-mandated business closures that result in a direct loss of revenue, such as a curfew).

A Business Interruption Insurance plan is not a stand-alone plan, it is added to a larger Business Owners’ Policy (BOP) to provide additional coverage. When you are speaking with an insurance agent about the necessary coverages for your exact business, Business Interruption Insurance is something that you should consider, especially if your business is in the manufacturing, construction, or sales industries.

Don’t wait for a disaster to bring your business to a halt!  Contact us for a free quote or call us at 303–388-7216 and we will review what kind of coverage is necessary for your business.