Top Reasons You Need Life Insurance

Life insurance is something that a lot of people do not really think about until they need to. But how do you know if you need to think about getting it in Little Falls, MN? Usually, someone asks you if you have considered it. However, what if you could get ahead of the ask and get life insurance when you know you need it, not just when someone suggests it. Here at Hanneken Insurance Agency Inc., we are here to help you better know when to purchase.

  • Do you have children or a spouse who relies on your income? If so, you likely want to have a life insurance policy that will help to keep them on their feet while they figure out what to do next.
  • Do you want to leave your family money when you pass? While this is not a necessity to do, this is something that many people consider when taking out a life insurance policy.
  • Have you allotted any money to funeral costs? This is not something that you want your family to worry about when you pass. You should ensure there is enough life insurance money to at least cover this cost. 
  • Do you have debt? This is also something that you do not want to burden your family with after you are gone. There are some types of debt that will live on after you and need to be paid either way. Make sure you have enough to cover these debts at a minimum.

Insurance can be complicated but here at Hanneken Insurance Agency Inc. serving Little Falls, MN we want to make sure that you get what you need at the price you need. Be sure to reach out to us to learn more and get your free quote today.

Top Reasons You Need Life Insurance

Life insurance is something that a lot of people do not really think about until they need to. But how do you know if you need to think about getting it in Little Falls, MN? Usually, someone asks you if you have considered it. However, what if you could get ahead of the ask and get life insurance when you know you need it, not just when someone suggests it. Here at Hanneken Insurance Agency Inc., we are here to help you better know when to purchase.

  • Do you have children or a spouse who relies on your income? If so, you likely want to have a life insurance policy that will help to keep them on their feet while they figure out what to do next.
  • Do you want to leave your family money when you pass? While this is not a necessity to do, this is something that many people consider when taking out a life insurance policy.
  • Have you allotted any money to funeral costs? This is not something that you want your family to worry about when you pass. You should ensure there is enough life insurance money to at least cover this cost. 
  • Do you have debt? This is also something that you do not want to burden your family with after you are gone. There are some types of debt that will live on after you and need to be paid either way. Make sure you have enough to cover these debts at a minimum.

Insurance can be complicated but here at Hanneken Insurance Agency Inc. serving Little Falls, MN we want to make sure that you get what you need at the price you need. Be sure to reach out to us to learn more and get your free quote today.

What Instances Void a Commercial Policy?

Commercial policies are a great way to protect your business and to make sure that if something does happen to your business, you are able to use your commercial policy to recover after a loss. If you live in the Little Falls, MN area, the agents with Hanneken Insurance Agency Inc. can help you to find the commercial policy that is right for you.

So what voids your commercial policy? Whenever a commercial insurance policy is drawn upon the insurance agency will send out an agent to look at each individual case. They will collect information, collect evidence, and try to figure out what happened to the commercial property and what needs to be done to complete the claim and get the business back to normal. There are a few different things that will void a commercial policy, the biggest issue is going to be if the insurance agent or insurance investigator finds that the event could have been prevented or was the direct cause of the policyholder.

Say for instance a commercial property burns to the ground. If it was found that the building was burned down by arson, your policy is not going to pay. Another issue might be a claim that is based on the injury of an employee, if it is was found that your employee was injured due to your own negligence, you are not going to be able to draw on your policy. It is always best to talk with an agent about what might void your policy so that you can be sure you are on top of everything and that your policy is going to fully protect your business. If you live in the Little Falls, MN area, the agents with Hanneken Insurance Agency can help you to get the policy that is right for you.