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Can I Purchase Life Insurance for a Terminally Ill Loved One?

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The expenses incurred upon a person’s passing can be overwhelming and typically beyond the average family’s means without experiencing financial strain. This is why many opt for life insurance. It can cover the cost of the funeral and burial (or cremation), with leftover funds to settle debts, maintain livelihood, etc. Most individuals secure life insurance well in advance of their passing, but what if a person is terminally ill and then attempts to purchase life insurance?

Available with Limitations

It is possible to purchase life insurance for a terminally ill loved one, but there are limitations. Key factors to consider include:

  • Lower Coverage Amounts
  • Higher premiums
  • Applicable Waiting Periods
  • Limited policy availability

Finding a Life Insurance Provider

Finding the desired life insurance policy for a terminally ill loved one may prove challenging, but it is still feasible. Before settling on a specific policy, conduct thorough research. Consider policies like Guaranteed Payout life and group life insurance. Do not hesitate to ask questions when researching various companies and the policies they offer.

If you are an Overland Park, KS resident, consider Fortress Insurance Agency. We pride ourselves on stellar customer service and coverage options. Providing coverage for the Overland Park, KS area, and beyond, we are pleased to welcome new members. Feel free to give us a call. We can answer all your life insurance-related questions and more.

Driving Mistakes That Can Affect Your Insurance

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We all want the best deals on our products and services, but clipping a coupon isn’t the only way to get the best deal. A service like auto insurance is affected more by behavior than bargain hunting. Here at Fortress Insurance Agency, serving Overland Park, KS, and the surrounding areas, we are dedicated to helping you get the most out of your auto insurance coverage, and that means avoiding these driving mistakes that can cost you. 

Speeding

Speeding will impact your auto insurance quicker than just about anything else. If you want to keep your auto insurance premiums at a reasonable rate, you’ll always want to ensure you’re observing the speed limit. If you start thinking in terms of speeding in the same way you think of turning off lights that are unnecessary in your home, you quickly change your mindset and start new habits and behaviors that will save you money. 

Reckless Driving 

Reckless driving is driving that is considered to be inattentive and dangerous. This can include using cell phones while driving, eating while driving, or doing anything other than driving. It also includes taking risks while driving. The more reckless you are, the more likely you are to have an accident. Each time you have an accident, your insurance premiums will be affected. Depending on the magnitude of the accident, those impacts could be high.

If you’d like to learn more about auto insurance and how you can save money, please contact us at Fortress Insurance Agency serving Overland Park, KS, and the surrounding areas. We’ll be happy to answer your questions today.

Motorcycle Insurance: Like a Helmet for Your Motorcycle

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Whether you’re a casual rider or a motorcycle enthusiast, there’s no denying the unique sense of freedom and thrill that comes with riding a motorcycle. Some riders love the raw power of their bikes, while others cherish the feel of the wind in their face and the joy of being in the open air. Safety is paramount to ensure you enjoy your ride regardless of your reason for riding. That’s why so many people from the Overland Park, KS area rely on the professional and friendly team at the Fortress Insurance Agency for all their motorcycle insurance needs.

Insurance for You and Your Bike

From motorcycle repairs to liability damage coverage and help for medical bills resulting from an accident, motorcycle insurance can provide protection for you and your bike. If you ever need protection, your insurance will be there for you. It can also help you and your bike get back on the open road sooner. While you might hope never to need it, if you do, it’s the best way to safeguard you and your bike. Think of motorcycle insurance as a helmet for your motorcycle.

Motorcycle Insurance in Overland Park

If you own a motorcycle and have questions or need motorcycle insurance in or around the Overland Park, KS area, our experienced and friendly team at Fortress Insurance Agency can assist. The right insurance can make a difference for your ride and the protection you and your bike need and deserve. Contact us at Fortress Insurance Agency today to get the coverage and motorcycle insurance solutions you need.

Cyber Commercial Insurance Claims: Protecting Your Business from Digital Threats

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In today’s digital age, businesses in Overland Park, KS face increasing cyber threats, making commercial cyber insurance an essential safeguard. Understanding how to file a cyber insurance claim is crucial to protecting your business from hackers and digital threats.

Understanding Your Coverage

Commercial policies covering the cyber world handle the expenses related to data breaches, including notification costs, legal fees, and public relations efforts. They may also compensate for losses from business interruptions, cyber extortion, and restoring compromised data.

Documenting the Incident

It is important to record details of how and when the breach occurred, what type of data was affected, and what steps were taken to control the damage. This documentation should comprise of incident reports, communication logs, and any proof of the breach. Such detailed records will support your claim and assist the insurer in assessing the extent of the incident.

Reporting the Claim Promptly

Ensure to report the breach to your insurance company as soon as possible. Many policies require prompt notification to ensure coverage. Provide all necessary documentation and information to aid the claims process. Rapid reporting can help reduce further damage and resolve your claim.

Mitigating Further Damage

During your claim process, urgently strive to prevent additional damage. Actions could include isolating affected systems, enhancing security measures, and thoroughly investigating the cause of the breach. This informs the insurance company that you highly value your business and privacy.

Communicating with Your Insurer

Communication with the insurance agent is fundamentally essential throughout the process. Regularly update your insurer on any developments and respond quickly to requests for additional information.

Fortress Insurance Agency Helps Guide You

Fortress Insurance Agency is here to assist and show you how commercial insurance can save your business in the long run. Our team provides coverage for the Overland Park, KS region. Get in touch with us today.

Securing Your Mobile Retreat: A Guide to Motorhome Insurance in Overland Park, KS

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When you have a motorhome in Overland Park, KS, you can travel any time. Whether you have a Class A, Class B, or another type of motorhome, you can bring your accommodation to your destination.

It’s a significant investment, so your mobile retreat should have motorhome insurance. The good news is that Fortress Insurance Agency can guide you through the right coverage for you.

The Coverage is Critical

Having a motorhome can be exciting, but you also want to know that it’s adequately protected on all of your adventures. As such, you’ll want to ensure it has the necessary coverage.

Whether it gets broken into, damaged on the road, or even stolen from a campground, you want to know that you can file a claim with the insurance company.

Working with an agent will allow you to look at such coverage options as:

  • Gap insurance
  • Liability coverage
  • Comprehensive coverage
  • Collision coverage

Remember, too, that the type of motorhome you have will help determine what insurance may be required. If your motorhome has its own engine, it will be a vehicle—and therefore, the basic auto insurance minimums for Kansas will also need to be met.

Consider the Cost

Whether you buy a brand-new or used motorhome, it’s an investment. This means you have to consider paying a premium to protect your mobile retreat against any eventuality.

Explore quotes from different companies while also looking at deductibles. This way, you’ll know what the out-of-pocket expenses are if you do have to file a claim.

Ready to look at motorhome insurance? When you’re in the area of Overland Park, KS, you can call us at Fortress Insurance Agency. One of our friendly and knowledgeable agents can answer questions and get you quotes for an affordable policy.

Insurance Coverage to Protect Your Residence While It Is Actively Being Renovated

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Update your home insurance policy before you begin a renovation project. The coverage will increase the liability, loss, and damage protection your residence currently has.

Renovations and Increased Risks

You may need to file an insurance claim during an active renovation. Since one or more rooms in your home will be disrupted during the renovation, you increase your risk of enduring an injury or dealing with damage.

Your Analysis

Inspect the area where the renovation will be done. Then, assess your project plans. These steps will indicate whether purchasing increased home protection coverage is a good idea.

If you are not familiar with the risk factors to look for, have your home professionally inspected. The results will give you a better understanding of the risks involved.

If the renovation project is going to be conducted on an upper level in your home, for instance, you may be concerned about accidental slips and falls. If so, you may decide to purchase insurance coverage that will provide you with additional liability coverage.

Loose Materials

Seek insurance coverage for the loose materials that will be used during the renovation project. Research insurance products that protect tools, structural products, and decorative materials.

If you are investing in new furnishings or other household goods, plan on insuring these possessions.

Contact Fortress Insurance Agency

Contact an agent who represents the Fortress Insurance Agency. One of our agents who serves the Overland Park, KS region will inform you about some popular insurance products. The insurance coverage that you buy will provide protection while the home renovations are underway.

Buying a Supplementary Health Policy

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In today’s age, whether your employer offers health insurance or you have a policy through your educational institution, opting for a second health insurance policy can be beneficial. In this blog, we at Fortress Insurance Agency discuss why you should consider this.

Covering Unmet Healthcare Needs

Many employers in Overland Park, KS, offer their employees health insurance. However, these policies may not encompass all healthcare necessities. Individuals might need a secondary policy if their existing coverage does not support certain essential healthcare procedures.

Student healthcare plans often only cater to basic healthcare requirements, with campus healthcare being the primary treatment resource. These centers may employ competent doctors but could lack other critical facilities like advanced testing or even a hospital. A secondary health policy can provide assurance for a full year, addressing the issue of academic-year-only health coverage.

Lacking Wellness Programs in Your Primary Health Policy

Health insurance purchased through the U.S. Healthcare Marketplace often includes a wellness program. However, several policies may provide limited benefits. Procuring a secondary policy can offer the wellness program coverage you desire. This might include sessions with nutritionists, tailor-made programs for diabetes or high blood pressure management, and even yoga classes.

Adding to Medicare Coverage

Retirees might also find additional health coverage beneficial. The government-issued standard Medicare plan mainly covers hospital stays and in-hospital medical tests. An individual seeking coverage for doctor visits requires Plan B coverage, while prescription coverage needs Plan D. Instead of buying a government-issued Medicare plan, purchasing a private medical care policy can offer a comprehensive solution.

Engage with Fortress Insurance Agency

At Fortress Insurance Agency, we strive to provide healthcare insurance that meets a variety of needs. We’re here to assist the residents of Overland Park, KS, in securing the health coverage they need to stay safely insured. Contact us today.

What Types of Boats Have to Be Covered By Boat Insurance?

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Boat ownership brings excitement and adventure but comes with responsibilities, including protecting your investment with the right insurance coverage. At Fortress Insurance Agency, serving the greater Overland Park, KS area, we’re here to help you understand which types of boats require insurance coverage.

Motorized Boats

Motorized boats, including powerboats, motor yachts, and personal watercraft such as jet skis and wave runners, are typically required to be covered by boat insurance. Whether cruising on a lake, river, or ocean, insurance helps protect you, your passengers, and your vessel from unexpected accidents, damage, or liability claims.

Sailboats

Sailboats, whether small recreational vessels or larger sailing yachts, should also be covered by boat insurance. Even if a motor does not power your sailboat, it’s still susceptible to risks such as collisions, storms, theft, and liability claims. Sailboat insurance provides financial protection and peace of mind while you navigate the open waters.

Fishing Boats

Fishing boats, including bass boats, center consoles, and offshore fishing vessels, should be insured to safeguard against potential risks on the water. Whether you’re casting lines in freshwater lakes or deep-sea fishing in the ocean, fishing boat insurance offers coverage for property damage, equipment theft, and liability concerns.

Personal Watercraft (PWC)

Personal watercraft, such as jet skis, Sea-Doos, and WaveRunners, are popular recreational vehicles that require specialized insurance coverage. PWC insurance protects you and your watercraft from accidents, injuries, and property damage while you enjoy thrilling rides on the water.

At Fortress Insurance Agency, we understand the unique insurance needs of boat owners in the greater Overland Park, KS area. Our experienced agents will work closely with you to assess your boating activities and coverage requirements. Call us to get started.

Do You Exercise a Lot? You Might Still Need Life Insurance

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Fortress Insurance Agency is an agency with many years of experience, one that understands how policies might vary for Overland Park, KS. For example, even if you’re someone who exercises regularly, you might need life insurance to keep your family safe from a sudden tragedy.

Exercising is Good for You But Potentially Problematic 

Here’s the thing about exercising: it’s naturally great for you, especially if you do it at a proper level. However, too much of a good thing can be a real issue. For example, joggers have been known to drop dead of heart attacks when there was nothing else wrong with them.

We’re not trying to scare you but simply make it clear that exercise is not the only way to stay healthy. In fact, you might overdo it and even damage your body if you’re not careful. That doesn’t mean you should stop exercising but maybe think about getting a life insurance policy as you age.

How Life Insurance Helps 

The thing about life insurance is that it’s a lot like having an inflatable life preserver in a boat while fishing: not strictly necessary, but nice to have around. Like a life preserver, it can help you when an emergency strikes and keep your family solvent after you suddenly pass away. 

While regular checkups with your doctor can ensure that you’re healthy or at least spotting common issues, life insurance gives you that extra level of protection. It can pay for things like your burial and after-death expenses to ensure your family isn’t stuck paying these costs. 

Contact Us Today

Our team at Fortress Insurance Agency can help Overland Park, KS residents find great life insurance to protect them from various health risks. Our goal is to provide accurate and effective policies for our customers, so reach out to us today to learn more about your options here.

5 Tips For Driving in Heavy Rain

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When heavy rain strikes, you need to adjust your driving habits to mitigate the increased risk. Auto insurance can help cover you in the event of an emergency, but your auto insurance agent at Fortress Insurance Agency serving Overland Park KS and surrounding areas wants to help you avoid trouble to begin with.

Here are five tips to keep in mind:

1. Keep Windows Defrosted

You may have to turn on the heater or air conditioning inside the car temporarily, even if it’s a little bit uncomfortable. Rain often causes windows to fog up, reducing your visibility.

2. Keep Both Hands on the Steering Wheel

When driving in heavy rain, keep both hands on the wheel. This isn’t the time to fiddle with your phone or the radio. If you start hydroplaning, you want to be able to regain control of your vehicle instantly.

3. Don’t Drive Through Big Puddles

Heavy rainfall can create large puddles of water. Ordinarily, you may be able to safely drive through puddles. But sometimes, the water could make sinkholes that aren’t visible on the surface. You never know how deep those puddles are, and your car could sink or be damaged.

4. Keep Window Visibility Clear

If you have a car filled with luggage or other items, make sure you keep your window visibility clear. Never stack items so high that you can’t see out all of your side and rear windows.

5. Maintain a Longer Distance

Keep a longer distance between you and the car in front of you than you normally would in dry conditions. That way, if the car in front has a problem or you can’t stop as quickly as you thought, you’ll have extra stopping distance to prevent a collision.

Call Today To Discuss Your Options

To ensure that you have adequate auto insurance, contact Fortress Insurance Agency serving Overland Park, KS and surrounding areas for your car insurance needs.