If you don’t have life insurance, it’s time you came to talk to us at JC Demo Insurance Group. We want to make sure all our Matthews, NC area clients and their families are protected in the best way possible. When you choose a life insurance policy, you’re giving your family a safety net in case you pass away. That’s especially important if you’re the one who takes care of your family’s home and other needs. The goal of an insurance policy on your life would be to give your family options if they didn’t have you to rely on any longer. The right policy can give you and your family protection for the future, along with a lot of peace of mind.

There are a lot of things to consider about life insurance, but some of the most important things are how large of a policy you’re looking for, who the beneficiary will be, and whether you will get a whole life or term life policy. We can discuss all of those options, so you can find the one that works for you. What policy you need and how large it should be will change based on your situation and goals. You also want to remember to update your policy if your life changes, such as you have another baby, change careers, get a bigger house, or make other adjustments.

We can help you find or update your life insurance, so your family stays protected and cared for. Contact us at JC Demo Insurance Group today if you’re in the Matthews, NC area, and we’ll be happy to address your questions and insurance needs. Then you can get out there and enjoy living your life, knowing that you and your family are protected for the future.

If you have a business, you probably have commercial insurance. But have you reviewed that policy lately? There are a lot of changes a business can have to happen to it, along with changes it chooses to make. All of those changes can affect the way things are done and the liabilities the business has, as well. With that in mind, it’s very important to make sure your insurance policy for that business is up to date. That’s the only way to ensure proper protection. If your Matthews, NC business hasn’t reviewed its insurance policy in a while, reach out to us at JC Demo Insurance Group and let us help you with that today.

Your business insurance policy provides protection for your company, and also for the people who come through your doors and purchase from you. Accidents and incidents can happen to employees, customers, or the structure of the business’ location itself, as well as your inventory and other areas of your company. But a good insurance policy will help you weather any storms that might come your way. It provides peace of mind and lets you take care of things in a way that keeps your business viable and strong while making things right for others, too.

If it’s been a while since you reviewed your commercial insurance policy, contact us at JC Demo Insurance Group today. If your business is in the Matthews, NC area, we’re here to help you have the coverage you need. Whether you have a policy with us now or you’re looking to change carriers, a review of your current insurance needs and what your policy offers can be an excellent way to make sure you’re properly protected and give you peace of mind for the future, too.

Being properly covered by insurance is very important for all people in the Matthews, NC area. For many people, a big part of this is getting the right life insurance in place. For those that are in need of life insurance, choosing the right policy can be complicated. Fortunately, there are several tips that can be followed that can make this clearer and easier decision. 

Consider Coverage Needs

It is important to consider all of the future financial needs that your dependents will have. This can include paying the mortgage, for food, and for higher education costs. You should then compare this conservative estimate to what you currently have in savings. The difference should be a starting point when you are thinking about how much coverage you need to have in your policy.

Consider Insurance Types

Life insurance buyers will be able to choose from term and whole life insurance options. Each of these insurance options has different pros and cons. For those that would like the most coverage for the least amount of money, term life is normally ideal. Whole life can be a great option for those that are also looking for a conservative way to invest and whole life premium payments do build up and can be liquidated as well. 

It can be hard to determine what type and amount of life insurance someone needs. For those that are in the Matthews, NC area, contacting the team at JC Demo Insurance Group would be a great option. The insurance professionals at the JC Demo Insurance Group will ensure that you can get into a policy that provides you with the right protection. This will be done after an extensive review and assessment of your situation to ensure that all risks are covered. 

When you are looking for a fun and exciting career track, one great option to consider is to start your own business. This is especially a good option for people that are in the Matthews, NC area as this part of the country offers a variety of favorable variables. If you are going to start a business here, you should spend time carefully assessing your insurance needs. There are several situations in which a business in North Carolina will be required to have commercial insurance. 

Business Has a Loan or Lease

One situation in which you are going to need to have commercial insurance is if you have a loan or a lease. All lenders and landlords want to make sure that you are able to stay financially viable. This includes making sure you can withstand a fire that damages business assets or if you are sued for liability. A quality commercial insurance policy will protect you for both of these situations. 

Business Has a Staff

If you have a certain number of employees in the state of North Carolina, you will need to have worker’s compensation insurance. Those that do not have a commercial insurance policy with this coverage will find themselves in violation of state law. This could result in serious fines and other issues. 

Having commercial insurance in place for your Matthews, NC business is always a good idea. Since there is a lot of complexity that comes with commercial insurance, you should speak with the team at the JC Demo Insurance Group when choosing a new policy. The insurance team at the JC Demo Insurance Group can help to get you into a great policy that will give all of the liability and asset protection that you need. 

JC Demo Insurance Group offers both term life policies and whole life insurance policies. They offer advice to the residents of Matthews, NC when it comes to choosing the policy that is most beneficial for them. Many people don’t buy life insurance because they don’t understand the differences and what each policy is good for. This is where scheduling an appointment with your agent can help.

Benefits of Term Life

Term life gets its name because it is written for a specific "term" or amount of time. Normally, a term life policy is set to mature after 5, 10, 15, or 20 years. As you pay into the policy and equity is established, you may have the option to borrow against the policy in an emergency. Once the policy reaches its face value, it will remain in place until you cash it in. Term life is normally a good choice if you are only interested in covering your burial expenses.

Benefits of Whole Life

A whole life policy is the better choice if you are trying to provide for your family if the unthinkable happens. A whole life policy will remain in place for as long as you live and continue to make payments. The benefit of a whole life policy is that it will provide your family with the financial stability they need to get through a difficult time.

AT JC Demo Insurance Group, the agents serve the residents of Matthews, NC. Schedule an appointment with one of the agents today so that you can find the right type of life insurance policy that will help you achieve your goals. 

Your new commercial venture in the Matthews, NC area needs the perfect home to ensure your best chances of success. Use this checklist from JC Demo Insurance Group to help you find the perfect property for your new manufacturing, retail, or professional services space.

• Locate the right areas of town on a map. Like other municipalities, the area around Matthews NC is divided into industrial, commercial, and residential spaces. Find out which areas of town are home to businesses like yours. This is the starting point for your search.
• Shop for properties based on the location of your target demographic. For example, an ice cream parlor would do much better in an area that is frequented by families, whereas a craft brewery that focuses on distribution would realize less liability in an industrial area.
• Buy, rent, or lease? Look at your long-term plans, resources, and projected growth rate to decide if you should buy, rent, or lease your commercial property. These choices have an effect on your insurance as well. Talk to your commercial insurance provider to understand the impact of these decisions on your coverages.
• For those who choose to rent or lease, talk to the landlord before touring the property. While the property itself is important, your relationship with the owner will determine your long-term satisfaction to a large degree. Make sure you can form a mutually beneficial working relationship with them before you sign.
• Buyers should use a professional contractor to evaluate potential sites before placing a bid. This ensures you don’t end up buying a piece of property that is contaminated or otherwise compromised.

Your commercial insurance package is directly affected by the location of your business. Contact JC Demo Insurance Group to help understanding how your commercial real estate affects your premiums and payouts.