Every business goes through periods of ups and downs.  This is especially true when a business is first establishing itself; the costs of advertising and new equipment can quickly eat through any profit that the business might make. For a business owner, this can be a particularly trying experience, and all too often they decide to look for other places to cut costs. Unfortunately, too many business owners make the decision to cut their commercial insurance coverage in order to save money.

The truth is that this relatively low-cost coverage is one of the last things that should be cut.  Commercial insurance is often the only thing that protects a business from criminal activity, natural disasters, and other catastrophic events. 

When a business is losing money, it’s often because it just made a big investment in property or equipment.  While it may appear as if there is no money being made, the truth is that profit will come as a result of the investment.  If something happens to that equipment, however, the entire investment is lost.  That prevents the business from ever turning a profit again.

Business owners should consider their commercial insurance as insurance for their investments rather than as a business expense on their equipment and inventory.  Fortunately, there are a lot of ways to save money on a commercial insurance policy.

Talk to the agents at JC Demo Insurance Group if you’re thinking about altering your commercial insurance. They can help you to look for discounts and make suggestions about what changes could be made to help your business to reduce its insurance costs.

Many people think that purchasing enough life insurance to cover their funeral and other final expenses is enough. Although their intentions are good, this train of thought is flawed. Of course, the goal is to minimize the expenses you leave to your family, but that doesn’t stop at final expenses. At JC Demo Insurance Group, we’ve found that there are a lot of reasons you should purchase more life insurance.

Life Insurance Can Cover Medical Expenses

These days, we are living longer. As a result of living longer, multiple chronic illnesses have become common within our society. People may develop diabetes, congested heart failure, cancer, or multiples of these diseases. If you develop a disease, then it’s likely that you will have medical expenses that exceed the face value of a basic final expense life insurance policy.

Replace Your Income with Life Insurance

Another reason you shouldn’t purchase a small life insurance policy is that it may place your family in a financial burden. For years, your family has relied on your income. If you are no longer able to provide for your family, how would they make ends meet? It would be difficult. A policy that only covers your final expenses isn’t enough to support your family after you are gone. You need more life insurance.

Pay Off Debt with Life Insurance

If you are like most people, you have debt. In America, debt is a way of life. We accumulate debt to maintain a lifestyle we’ve carved out for ourselves. Unfortunately, many people maintain debt throughout their life. If you have debt, then a life insurance policy that only covers your final expenses will not help your family. They will be responsible for your debt after you are gone. Fortunately, you can choose a life insurance policy that pays down your debt.

We encourage you to visit our website and look over the life insurance policies we offer. We can help you find a policy that fits your budget, and provides your family with money in the event of your death.

Life insurance is important because it allows your family members, whether it be a spouse, children, or parents, to have financial support if you should die.  There are  various types of Life Insurance that can be chosen which offer different financial options and some can offer investment opportunities.  With a bit of knowledge, making the right choice as to which type of life insurance to carry and what fits your needs can be simple.

Term Life is generally the cheapest option for life insurance and the premium paid is a fixed amount each month. This type of life insurance is only good for a fixed amount of time that you pay on it, called a "term".  Once that term is over, which plans usually are 10, 15, 20 or 30 years, so is the life insurance and it will no longer pay out should you die.

Whole Life is considered a permanent policy and will last as long as you are alive and will not expire as term life insurance will.  Premiums are higher than term life but again, are a fixed amount you pay each month.  You can also borrow against the money you have paid in premiums.

Universal Life is also considered a permanent policy but the premium you pay can be flexible as it allows you to change the premium you pay based on a person changing based on life changes.  The premiums also accrue interest which can be used to pay the premium if wanted.

If you want to learn more about each option available and others, call JC Demo Insurance Group at 704-541-5155 or visit us at http://www.jcdemoinsurance.com to learn more about the various types of life insurance and to get started with a new plan. 

Charlotte, NC is a beautiful place to live. With four seasons and a warm summer, there’s ample time to get out and explore. If you’re new to the community and you want to get to know people, you can do that easily through giving back and getting involved. Here are four ways to give back to your local community and make some friends in the process.

1) Donate your time – There are so many causes you can give back to, so choose the one you feel best about and head out to be a part of it. It’s an excellent way to help, and you can also meet friends and neighbors that way, as well.

2) Give blood – You can save a lot of lives by being a blood donor, so it’s well worth considering. Not only will that blood help local people, but you can meet others who also see the importance in blood donation, and that could lead to some great friendships.

3) Adopt a shelter pet – There’s nothing like a pet for companionship, and when you adopt a pet from a shelter you’re also saving a life. It’s a winning situation for you and for the pet you choose.

4) Feed the hungry – With Meals on Wheels and other programs that take food to people who may have trouble leaving their homes, you have plenty of options throughout Charlotte to help people get a good meal. You may make some great friends along the way, too.

Make sure you’re insured by someone in your community, too, like JC Demo Insurance Group, so you can get personalized service and help a local business see success. By keeping your money and talents local, you help your community thrive.

Please join us in welcoming Andy Pierce to our agency team. Andy lives in the Indian Trail, NC area and comes to us with several years experience as an agent representing carriers such as Met Life, Travelers, National General and Progressive Insurance. We are super excited to have him on our team!!! He is here to assist you with your auto, home, business, and life insurance needs. You can reach him at andy@jcdemoinsurance.com or by phone at 704-506-9359 or 704-541-5155 ext 101.

Different areas of the city are more susceptible to potential property damage and loss. Property loss can range from theft to damage in a storm to more standard wear and tear due to the natural elements. To understand what sort of risk your business is in, performing an audit for your business address’ potential for property loss is a must. This way, you can properly assess your insurance coverage needs. From conducting your own research to receiving assistance in the process, JC Demo Insurance Group services the greater Charlotte area, so you can receive a complete understanding of what might take place in your business area and what to do in the event of property loss. 

There are different kinds of insurance options available to you. The insurance coverage offered by JC Demo Insurance Group can include property insurance, coverage that protects against theft, flood insurance. Other options include a BOP, or Business Owner’s Policy. This can cover everything inside of the business, ranging from computers to stacks of supplies. This way, if anything is stolen or damaged, you have the ability to claim the loss with this insurance coverage. 

Another element to consider is property loss or damage to company vehicles. Some areas in Charlotte are more prone to vehicle break-ins. While you can improve your chances of not being on the receiving end of such a break in, it is necessary to look at all of the different commercial auto insurance packages offered. This way, you can protect your entire business, especially after auditing the business address and finding out what is more likely to happen and what occurs on a regular basis in the area. For auditing and insurance needs, JC Demo Insurance Group is there to help. 

There is no reason to try and get Insurance on your own. Independent insurance agents know how to help you find the right policy. They will navigate through the different insurance companies on your behalf. They don’t work for a specific company and therefore can tell you which companies have the best deals. It can be difficult to compare policies, though they will do so for you, making it easier for you to purchase a policy with confidence.

Ultimately, you need to have an advocate who is looking out for you and your needs. It is difficult to get this on the Internet because you are left to your own devices. Insurance companies may make recommendations, but you don’t know whether it is best for them or best for you.

Insurance agents want to do right by you. They also have the knowledge to help you every step of the way. They know all about the different companies, the coverage levels, and where the best discounts are. This all works to your advantage because you can be comfortable knowing that you are choosing the best policy.

It can be dangerous to enter the insurance industry on your own because you simply don’t know what you are getting. You could be getting coverage that is not sufficient enough, which could cost you a lot of money out-of-pocket if there is ever a problem with your car, house, or anything else.

Insurance agents play an important role, and they have been around for a long time, regardless of what “experts” say. Agents are constantly on the forefront of trends, helping their customers.

Call and talk to our independent insurance agents today and JC Demo Insurance Group. Our agents can guide you into the best policies in Matthews, North Carolina and save you money with comparison quotes.

 

 

For those who are thinking about investing in life insurance, it is imperative to review all of the available policies. And while millions of policies are available, it becomes much simpler to narrow down the most appropriate ones by speaking with a qualified agent. Depending on your current and predicted future circumstances, you will be able to find a policy that both meets your needs and is affordable. While in the process of buying a life insurance plan, make sure you don’t fall for these myths. 

Myth #1: Term life insurance is better than whole life insurance

In all actuality, more whole life insurance policies pay out than term plans; however, for many people, a term life insurance plan is the best one to invest in because of their specific life insurance needs. If you are in need of life insurance only for a predetermined number of years, then a term life insurance policy will be best for you. If you know that you need a life insurance policy to pay out no matter when you become deceased, then perhaps a whole life insurance plan will work better. 

Myth #2: Life insurance costs too much money

The premiums that you pay for life insurance will be influenced by many factors, including your health; however, keep in mind that no matter your pre-existing conditions, life insurance is still available, and most people find that the younger they are when they purchase a policy, the more affordable their rates are. 

To learn more about life insurance in Matthews, contact JC Demo Insurance Group today.

Getting married is big news, and there are lots of people to tell. One of the people you should be sure to share the good news with is your insurance agent. You’ll have to update your information with them, and they may be able to find you discounts after your wedding.

Insurance Companies Need Your Updated Information

It’s important to update your information with insurance companies soon after you’re married. Insurers need to know if your name, address, or other personal information change for two reasons. First, they need to know how to contact you. Second, your policies are legal documents and need to be filled out accurately.

You can easily notify your insurer of any changed information by contacting your insurance agent. They’ll know what changes in your personal information are important, and they can update documents as needed.

Insurance Agents Might Find You Discounts

When speaking with an insurance, you might learn that you qualify for new discounts now that you’re married. Insurers offer many different types of discounts. When your situation in life changes, which ones you qualify for may change. For instance, after you’re married, your agent might be able to get you and your spouse a multi-policy discount. Sometimes, it’s difficult to know which discounts you qualify for, which is another reason why you should talk to an agent after getting married.

If you live in Matthews, NC and are recently married, feel free to contact our independent insurance agents. At JC Demo Insurance Group, we have multiple agents who are licensed in North Carolina, and can help you update your documents and search for new insurance discounts. To talk with one of them, contact us through our agency’s website.

 

Matthews, NC is a great place to live. However, during the summer it’s going to be hot and you want to make sure that your pet is well cared for. There are a few tips to make the summer more enjoyable for your pet, regardless of whether you have a dog, cat, or a few of each.

Your dog or cat is not too different from you. You want to be well hydrated during the summer months, and you don’t want to walk around on hot concrete because it hurts your feet. Remember this for your pets, too.

• Give them access to plenty of water
• Look for signs of overheating
• Don’t bring them out during the hottest parts of the day
• Cover their paws when walking them on the pavement

There are other things that you want to look out for with your pet in the summer and it has nothing to do with the heat. There are a lot of bugs out and some of these are known for carrying various parasites. Mosquitoes transmit heartworm while fleas and ticks can transmit Lyme disease and various other diseases. Talk to your vet about preventative medication so that you don’t have to worry about any of these issues.

If you plan on doing lots of things with your pet, be sure that they are protected. This includes going out on a boat. Your pet may know how to swim, but it is better to err on the side of caution and invest in a life vest that fits properly.

At JC Demo Insurance Group, we look forward to helping you find quality homeowners insurance. Call us today and let us begin searching for quotes to help you find an affordable policy in Matthews, North Carolina.