Age and life insurance are two things that are interconnected. Typically, you buy life insurance so that, as you age, you have coverage for yourself and the rest of your family. Residents of Jefferson City, MO, and abroad may wonder how age impacts life insurance and its ability to acquire it. Our Luebbering Insurance Agency LLC team gets this question often and provides insight to interested parties.

Age and Life Insurance 

The connection between age and life insurance goes across a few different areas. First, age is not going to be something that immediately prohibits you from life insurance. Typically, you will be able to acquire life insurance, but the cost and coverage will see an impact.

Age is one of the primary factors that will impact your life insurance premium rate. As you get older, actuarial rate tables driven by age will drive that premium amount upward.  

Age is also going to drive qualification requirements for life insurance. If you are a very healthy 90-year-old, life insurance is something you will be able to purchase. You will need to qualify, though, via medical exams and similar practices.  

The reason that age and life insurance are interconnected is pretty basic. The older you get, the more likely you will die while under coverage with the life insurance provider.

Start Shopping for Life Insurance

If you are considering life insurance, you want to do it now before you get any older. The Luebbering Insurance Agency LLC team can help answer questions and help you learn more about life insurance options. Residents of Jefferson City, MO, and abroad need to consider everything available before making a life insurance decision.

Commercial insurance has many benefits for business owners. Business owners can benefit from liability/legal protection, loss/damage protection, protection from natural disasters, and more. For example, commercial insurance protects businesses from hail, fire, and wind damage. Our team at Luebbering Insurance Agency LLC is committed to helping Jefferson City, MO business owners understand the benefits and protection that commercial insurance provides. 

What is Commercial Insurance?

Commercial insurance protects against cyber attacks, property and bodily injury lawsuits, and protection for employees, company property, vehicles, and more. Commercial insurance is designed to meet the unique needs of your business because there’s no such thing as a one-size-fits-all business. Business or commercial insurance is flexible and can be created to suit a company’s specific needs. Business insurance protects you and your business.

I have Business Assets I want to protect. How can Commercial Insurance help Protect my Business Assets?

Fortunately, commercial insurance provides a wide variety of different coverage options. An insurance agent can help you explore the benefits and discuss your business’s specific needs. Business owners have protection from damage caused by natural disasters. A commercial insurance policy will also cover vandalism and damage to company property and employees and provide liability protection. Commercial insurance can be created to reflect a business’s unique and everyday needs. If you have questions about commercial insurance, call us. We’d be happy to help you explore your options. We can help you get the coverage you need to protect your assets. 

 

 

Motorcycle riders in Jefferson City, MO are required by law to carry liability insurance that covers a minimum of $25,000 in bodily injury per individual and $50,000 per accident. Your knowledgeable Luebbering Insurance Agency LLC provider can speak to you more about the other types of insurance we offer. 

One category of extra protection is underinsured and uninsured motorist coverage. Missouri is an at-fault state, which means each person to blame for causing a collision is responsible for paying the other party’s medical and property damage costs.

However, what can happen is that you are hurt in a wreck, and the other person does not have the coverage to cover your bills. This can be because they have liability indemnification, but it is not sufficient to pay for the expense, or because they have no protection in place at all. 

Underinsured and uninsured policies pay for your property damages and hospital bills, making sure you are guarded against financial loss regardless of the actions of others. In addition, you may also be reimbursed for your lost wages. You may have to meet a deductible before payments are made. 

Motorcycle enthusiasts who are injured in accidents where the other driver has no insurance may be forced to rely on, instead, medical insurance to meet their health needs or be forced to pay out of pocket when they lack uninsured or underinsured coverage. Additionally, they may be compelled to sue. 

Luebbering Insurance Agency LLC Wants to Help

We serve those who live in and around Jefferson City, MO, and can provide you with the various insurance products you need. Speak to us today for more information, and we can be reached via phone, the internet, or by stopping at the office. 

Purchasing your boat is a significant investment. Besides the initial cost, boaters must pay for fuel, maintenance, and other costs to keep their boats afloat. Since investing in a boat calls for a considerable investment, you should put effort into protecting your boat. While regular service and maintenance go a long way in safeguarding your boat, don’t forget about boat insurance — this coverage can save the day when you least expect it.

Boat insurance makes sense if you invest in the proper coverage. Since buying boat insurance is never straightforward, Luebbering Insurance Agency LLC in Jefferson City, MO is here to highlight tips before heading to the market for boat insurance.

Differentiate between “actual cash value” and “agreed value.”

When you are insuring your boat, there are two values you should consider. The cash value is the market value of your boat. This means you will not get 2020 prices for a 2015 boat. Although the agreed value is affordable, most policyholders have to dip into their pockets if they want to purchase a similar vessel.

The agreed value is a pre-determined amount signed into your contract. This is the amount you will be paid if your boat is totaled or stolen.

Understanding boat insurance policies

You must understand what it covers to get the most out of your boat insurance. If you are familiar with car insurance policies, boat insurance isn’t any different. Boat insurance options include liability coverage, comprehensive, collision, MedPay, etc. If you want to understand what your boat insurance covers, read your policy document carefully.

Know your boat insurance exclusions

Your boat insurance doesn’t cover you against all the events. Boat insurance has several exclusions highlighted in your policy document. Always understand your boat insurance exclusions to avoid disappointments during the claim process.

Boat insurance can be mandatory.

Although boat insurance isn’t required in Missouri, you may be required by your lender to buy boat insurance. So, before you sign that loan agreement for your boat, know the requirements regarding insurance.

Would you like to purchase boat insurance in Jefferson City, MO? Please get in touch with Luebbering Insurance Agency LLC.

When you are a renter, it’s important to give yourself the protection you need for your home. You don’t need home insurance to protect your dwelling as a renter. The owner of the property does that. Your responsibility is to have renters’ insurance that covers your belongings for various situations. In most cases, you are required to have renters’ insurance by your landlord. Many property owners require it to protect you against possible risks of liability and lost property. Call us at Luebbering Insurance Agency LLC in Jefferson City, MO if you need this coverage.

Protection Against Possession Loss

When you rent, your main assets are likely all of your items that are inside the home. Your possessions combined represent a significant investment. To protect that investment, there is renters’ insurance. Coverage protects your belongings and protects them against a wide range of risks they face. From specific disasters to accidents, your property can all be protected by this policy. If something happens to what you own, your policy can pay for you to be able to replace what you lost. 

Protect Yourself Against Liability

If you have someone in your home who is at risk of falls or has an accident, they are at risk of injury. When a third party is injured while in your home, you are likely to be liable for the expenses they incur from the accident. This can include costs like their lost wages as well as medical bills. Renters’ insurance can pay for these bills so that you won’t have to. 

Get Your Renters’ Policy

It’s important to have this coverage to protect yourself when you rent. Call us at Luebbering Insurance Agency LLC in Jefferson City, MO to get started.

     

Luebbering Insurance Agency LLC is proud to be an insurance resource for the greater Jefferson City, MO business community. We are dedicated to providing our clients with the right insurance policies for their unique needs. If you have any questions about commercial insurance, call our office and schedule a consultation.

Protect your company from complaints made by disgruntled former employees

Not every work situation ends well; that is just a fact of life. In such circumstances, it can become important to have protection in place for the firm. One frivolous or unwarranted lawsuit from a former employee is enough to cause problems and affect the company’s bottom line.

Liability protection for a company’s primary commercial policy typically has policy limits. With a significant situation caused by a former employee, that protection can be exhausted in a short period. Because of this reality, it makes sense to take steps to protect the future financial stability of the company. An umbrella policy is an effective way to obtain your business’s coverage. 

If the liability protection provided by a company’s primary policy is exhausted, the umbrella policy will become active. This means that the firm is more likely to have the liability protection it needs. Don’t allow a lawsuit to undo a company’s success and create financial uncertainty for the future. 

We are here to help with all of your insurance needs

Business owners in the Jefferson City, MO area can count on the Luebbering Insurance Agency LLC team for all their insurance needs. If you are considering adding an umbrella to your commercial insurance portfolio, call us today. We look forward to working with you!

Flood insurance is one of the best ways to protect your home from the devastating effects of flooding. When floods strike, homeowners incur huge losses, and unfortunately, standard home insurance doesn’t cover the damage. And just because your home isn’t in a flood zone doesn’t mean it’s entirely safe from flooding. About 20% of flood insurance claims come from clients with properties outside flood-risk zones!

Convinced flood insurance is a worthwhile investment? Here are the benefits you accrue when you purchase flood insurance from Luebbering Insurance Agency LLC in Jefferson City, MO.

It protects your building.

Floods can cause devastating damage to your home. A one-inch rise in water level may cause repairs of up to $25,000. Now imagine what massive flooding can do to your home! Flood insurance compensates you for damage caused by flooding.

While flood insurance won’t stop flooding, it lessens your financial burden when damage occurs.

Protects your assets

Flood insurance doesn’t only cover your building — it also covers the contents inside. Flood insurance compensates you when your personal stuff, portable appliances, fixtures, and other personal assets have been damaged by floods. You don’t have to start from scratch when floods damage your belongings.

Offers peace of mind

Weather can be unpredictable, but this doesn’t mean you should always live on the edge. Flooding can occur suddenly, leaving behind a trail of damage. Fortunately, you don’t have to worry whenever the weatherman forecasts an impending sandstorm. Flood insurance gives you comfort that the asset you have worked so hard to earn is protected.

Protect your home today with flood insurance

Your home is too precious to leave it exposed to floods and other perils. If you want to protect your home against floods, please contact Luebbering Insurance Agency LLC for affordable flood insurance.

If you live in the Jefferson City, MO area and have questions about condo insurance, Luebbering Insurance Agency LLC is here to help. We want to ensure that you have the protection you need! Don’t hesitate to contact us today to learn more about the condo policy options available in your area.

Why it’s a good idea to increase the liability protection included in your condo policy

Owning a condo can provide a nearly maintenance-free lifestyle that many people enjoy. If you are a condo owner and resident, you may wonder what type and level of insurance will best meet your needs. It can be challenging to know 100% if you have the coverage you need.

Increasing your liability protection is a good idea, especially for those who entertain a lot or have many visitors. If an accident occurs in your unit and a visitor is injured, you could be liable for damages. While this may not sound fair, it is the reality that we all have to deal with.

Increasing the amount of liability protection that you have can protect you from this type of exposure. Knowing that you have the financial protection you need can bring peace of mind and help you rest easy. Why not find out more about the available policy options?

We are here to help with all of your insurance policy needs

Luebbering Insurance Agency LLC is proud to provide residents in the greater Jefferson City, MO area with all their insurance needs. Whatever type of insurance you need assistance with, we can help! Our team is here for you. Give us a call or stop by today.

If you’re thinking about applying for life insurance, you’ll likely be required to have a medical exam. But what exactly will the exam entail, and what are some of the things your doctor will be looking for? If you’re a resident of Jefferson City, MO, Luebbering Insurance Agency LLC is here to help you understand what to expect.

Honesty Is the Best for Your Policy

The most important thing is for you to be honest with your doctor. If you have health concerns that may impact your ability to get life insurance, your doctor will want to investigate.

For example, if you have diabetes, your doctor will want to know about the type of diabetes, how long you’ve had it, and what medications you’re taking. These are all things that can impact your premiums, and you could even be denied insurance if you don’t disclose all of this information.

The Exam

During a paramedical physical, your doctor will ask questions about your health. They’ll want to know about your current health, medical history, and medications or supplements. They’ll also want to examine you, looking for signs of disease or injury. This part of the exam typically lasts about 20 minutes.

Among the tests that will be performed, you can reasonably expect them to include: blood pressure, urine analysis, and a blood glucose test. Some older applicants may need an electrocardiogram and a cognitive/mobility exam.

You must also sign a release form authorizing your doctor to share your medical information with the insurance company.

After The Exam

It can take up to six weeks for your insurance company to process your application and decide.

Don’t wait too long to file your application. Let Luebbering Insurance Agency LLC of Jefferson City, MO help you get the insurance you need today.