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Questions Every Insurance Agency Should Ask Every Client

English Version

​Versión en Español

Life Insurance​
Have you recently gotten married?
After getting married, it is important to review your life insurance needs. If one spouse is not working, he or she might be dependent on the working spouse’s income; if so, reviewing life and disability insurance coverage is prudent.
The spouse who is not working outside the home should also consider having a separate life insurance policy because, in the event of premature death, the services he or she provides for the household would need to be replaced, and that could prove costly to the surviving spouse.
Moreover, even if both spouses are working, couples often make financial commitments based on both incomes so the loss of one spouse’s income due to death or disability could be financially devastating without adequate insurance.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
​Auto & Home Insurance
Have you gotten married recently?
If you have gotten married, you may qualify for a discount on your auto insurance. Couples may bring two cars into the relationship and two different auto insurance companies, so take the opportunity to review your existing coverage and see which company offers the best combination of price and service.
If you are merging two households, you may need to update your homeowners’ insurance. And you may want to consider increasing your insurance for any new valuables received, such as wedding gifts, and for jewelry, such as wedding and engagement rings.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Auto & Home Insurance​
Have you gotten divorced?

If you got divorced over the past year, you will probably no longer be sharing a car with your former spouse and have likely moved to a different residence. If this is the case, you should inform your insurer as you will need to set up separate auto and homeowners’ policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Life Insurance​
Have you recently added a child to the family?
If you have recently added a child to your family, whether by birth or adoption, it is important to review your life insurance and disability income protection.
If you are planning for your life insurance to match your survivors’ expenses after your death, the new child will no doubt add to those expenses, requiring more life insurance to keep your family secure.
If you plan to save for your child’s college education, life insurance can assure completion of that plan.
And if you keep your current life insurance policy, do not forget to update the beneficiary designations to include the new child.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
​Auto Insurance
Did your teenager get a driver’s license?
It is generally cheaper to add your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car, consider insuring it with your company so you can get a multi-car discount. And choose the car carefully — the type of car a young person drives can dramatically affect the price of insurance. You and your teens should choose a car that is easy to drive and would offer protection in the event of a crash.
Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting at least a “B” average in school and for taking recognized driving courses.
If your teenagers move at least ten0 miles from home — for example, to go to college — you might get a discount for the time they are not around to drive the car (assuming they leave the car at home).
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Life & Disability Insurance​
Have you switched jobs or experienced a significant change in your income?
If you had life and disability insurance through your former employer, and your new employer does not provide equivalent protection, you can replace the “lost” coverage with individual policies.
In the case of an income increase, you may have taken on additional financial commitments that your survivors will depend on. Make sure to review your life and disability insurance to ensure it is adequate to maintain those commitments.
If your income decreased, you may want to cut your life insurance premiums. Term life insurance is a good option, as the premium rates are very reasonable. And if you already have two or more policies you might be able to replace both with a single policy at a lower rate because you may reach a “milestone” amount of insurance.
For example, at many life insurance companies, $500,000 of insurance costs less than $450,000 because of the milestone discount.
But do not drop existing life insurance until after you have a new policy in place.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Home Insurance​
Have you done extensive renovations on your home?
If you have made major improvements to your home, such as adding a new room, enclosing a porch, or expanding a kitchen, or bathroom, you risk being underinsured if you do not report the changes to your insurance company. An increase in the value of the structure of the home may require an increase to your homeowners’ insurance coverage limits.
And do not overlook new structures outside of your home. If you built a gazebo, a new shed for your tools or installed a pool or hot tub, you should speak to your insurance professional.
If, as part of a renovation, you purchase furniture, exercise equipment or electronics, you may need to increase the amount of insurance you have on your personal possessions. Keep receipts and add any new items to your home inventory. Our agency recommends that you download a free home inventory tool app to create a personal home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Second Home
Have you decided to buy a second home?
If you are searching for a vacation home or a second home you might retire to, make sure you research the availability and cost of homeowners’ insurance before you commit to the purchase.
The very factors that make a vacation home seem ideal, whether it is a waterfront property or a mountain retreat, can often introduce risks that make it costly and difficult to insure, such as proximity to the coast and the likelihood that it will be vacant for long periods of time.
In the event you have already bought a vacation home, do not skimp on the insurance. The risk of theft or disaster is just as significant, if not more so, in a second home as in your primary residence.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Flood Insurance
Do you need flood insurance?
If your new property is close to the water, be sure to ask about flood insurance. Damage to your home or belongings resulting from flood is not covered under standard homeowners’ insurance policies. Flood insurance is available from the National Flood Insurance Program (NFIP), as well as some private insurers, and is generally sold through private agents and brokers.
You can ask your insurance professional whether your home is at risk for flood, or enter your address on the NFIP website to find out whether your home is in a flood zone. If you have a very valuable home, some homeowners’ insurers offer excess flood coverage over and above that provided by the NFIP policies.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Scheduled Personal Property Insurance
Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
A standard homeowners’ policy offers only limited coverage for highly valuable items. If you have made purchases or received gifts that exceed these limits, you should consider supplementing your policy with a floater or endorsement, a separate policy that provides additional insurance for your valuables and covers them for perils not included in your policy, such as accidental loss.
Before purchasing a floater, the items covered must be professionally appraised. Keep receipts and add the new items to your home inventory.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Auto Insurance
Have you joined a carpool?
If you are a frequent carpool driver, whether it is going to work, or ferrying kids to school and other activities, your liability insurance should reflect the increased risk of additional passengers in the automobile. Check to make sure your coverage is adequate.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Auto Insurance
Have you retired?
If you commuted regularly to your job, in retirement your mileage has likely plummeted. If so, you should report it to your auto insurer as it could significantly lower the cost of your auto insurance premiums. Furthermore, drivers over the age of 50-55 may get a discount, depending on the insurance company.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
Renter's Insurance 
Have you signed a lease on a house or apartment?
If you are renting a home, your landlord is responsible for insuring the structure of the building, but not for insuring your possessions — that is up to you. If you want to be covered against losses from theft and catastrophes such as fire, lightning and windstorm damage, renters’ insurance is a good investment.
Like homeowners insurance, renters’ insurance includes liability, which covers your responsibility to other people injured at your home, or elsewhere, by you and pays legal defense costs if you are taken to court.
Regardless of whether you are a renter or an owner, you will have the following options when it comes to insuring your possessions:
Actual cash value pays to replace your home or possessions minus a deduction for depreciation.
Replacement cost pays the cost of rebuilding or repairing your home or replacing your possessions without a deduction for depreciation.
Think carefully about what your financial position would be in the aftermath of a disaster, and make sure you have the type of policy that is right for you.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
This video is but one of ten quick questions that can help us help you figure out whether you may need to make a change to coverage.
Please contact our office at your earliest convenience for a no-obligation review.
​To order your CLUE report, contact LexisNexis, the company that compiles that and other consumer reports, at 866-312-8076, or visit the LexisNexis Personal Reports website.
​Insurance Needs of Young Singles
http://www.insureuonline.org/quiz_youngsingles.htm

Insurance Needs of Under 30
http://www.insureuonline.org/quiz_under30.htm

Insurance Needs of Young Families
http://www.insureuonline.org/quiz_youngfamilies.htm

Insurance Needs of Established Families
http://www.insureuonline.org/quiz_establishedfamily.htm

Insurance Needs of Domestic Partners
http://www.insureuonline.org/quiz_domesticpartners.htm

Insurance Needs of Seniors
http://www.insureuonline.org/quiz_seniors.htm

Insurance Needs of Single Parents
http://www.insureuonline.org/quiz_singleparents.htm

Insurance Needs of Grandparents raising Grandchildren
http://www.insureuonline.org/quiz_raisinggrandchildren.htm

Bicycle Insurance Quiz

https://www.youtube.com/watch?v=mTFhWezZ8MA

Water Damage: Test Your Water IQ

https://www.youtube.com/watch?v=41FFSi9Y4r4
​
Homeowners Insurance Quiz

https://www.youtube.com/watch?v=vYcAVn8YlLE

Auto Insurance Quiz

https://www.youtube.com/watch?v=9CpoK0IqH18
​Good intentions are useless until they are expressed in appropriate action.
Good intentions may be an appropriate starting point for achievement, but they will go nowhere unless you follow through with action. Many people confuse intentions with achievement; after all, it is the idea that is most important, they reason. In reality, the most mediocre idea acted upon is far more valuable than a flash of genius that resides only in your mind. Developing the habit of action may be difficult at first, but the more you practice it, the easier it becomes.
​​​Remember that the tone of your voice often conveys more accurately what is in your mind than do your words.
In a moment of conflict, a suggestion or compromise can salvage a threatened working relationship. A discouraged employee can be motivated again through a few carefully chosen words. In situations like these, a good manager is looking beyond an immediate situation and acting to preserve a future benefit. But if your voice betrays your own anger, fear, or despair, that emotion, not the wisdom you offer, will be what others remember. Those who rise to the top in any organization are those who have learned to control their emotions. When you have a leadership position, others will watch you closely for the signals you send. You must learn to manage yourself and all the ways in which you convey messages to others if you want to inspire them and demonstrate that you care about all the members of your team.
31 Benefits of Gratitude: The Ultimate Science-Backed Guide
5 Factors that determine a Credit-Based Insurance Score

5 keys to prospecting Commercial Lines effectively
Improving a new producer's closing ratio begins with the selection of accounts to pursue. The idea is to look for accounts with the highest potential for closing. Here are some questions the producer should ask.…Read more
​
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol
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Every Saturday I upload two short videos spotlighting a line of business on my YouTube channel.
One in English, the other in Spanish. None with watermarks or Agency specific details.

Then I send the links to Members of GIAA, SHISPA & NIA with instructions on how to post them on their Facebook pages along with a agency contact info with just a couple of clicks.
You will be able to boost the videos to qualified prospects in your community.
Where else can you send a targeted marketing message for half a penny each?
​

This link shows you how to do it.

Here is a free one on Auto Insurance: 
English: https://youtu.be/s78K5FxYHWY 
Spanish: https://youtu.be/vI7Izy_QRnM
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  • ​When a vehicle is sold, whether to a dealer or to a private individual, the license plate from the vehicle that is sold is transferable to another vehicle owned by the seller.
  • The license plate stays with the seller who should notify the Department of Revenue if it is being transferred or cancel registration since insurance will be terminated on the sold vehicle.
  • The new owner has 30 days from the date of purchase or acquisition of the vehicle to register and obtain a Georgia license plate, or to transfer an existing valid Georgia license plate to the vehicle.
  • Vehicles should be registered at the tax commissioner’s office in the Georgia county where the owner lives.
  • While the new registration is being processed, owners should keep a copy of the front and back of the vehicle’s title or a copy of the bill of sale to prove ownership until they receive the new title and license plate.
  • During this period, the vehicles purchased from another individual should have nothing on the rear bumper where a license plate normally would be affixed.
  • Handmade signs saying “Tag Applied For” have no validity and are in reality a “red flag” for law enforcement. Failure to register a vehicle within 30 days of purchase or acquisition could result in fines of as much as $100 if stopped by law enforcement.
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​The world pins no medals on you because of what you know, but it may crown you with glory and riches for what you do.
Knowledge is an important component of success in any field. To accomplish anything worthwhile often requires years of study. But knowledge alone is not power; it becomes powerful only when it is applied through positive action. Study after study of successful people reveals that they have a bias for action. They gather the appropriate facts, relate them to their knowledge about the subject, develop an implementation plan, and then get into action. When in doubt, it’s far better to act too soon rather than too late.
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Attention: Georgia Agents! 24 hours CE for $24 or join GIAA for $99 per year and it's free for all agency staff!
​Have you enjoyed at least 24 hours of Edu-Tainment?
If yes, you are welcome to take the Final Exam 
Otherwise, click here to continue to next lessons
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Got Questions?
​I got answers!

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Eddie K. Emmett 
200 Russell Court
​Canton, GA 30115
Privacy Policy
eddie@fyiexpress.com
(770) 312-2342 (Text)
​I'll call you back!

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