More People Qualify for Life Insurance Than You May Think

If you are older, that doesn’t mean you don’t qualify for life insurance. While age does play a small role in the process, a life insurance company tends to focus on your health. Even if you do have a few health problems, you may still qualify for life insurance from Elliot & Associates Insurance in Opelika, AL.

Your Medical Background 

During an examination, you’ll have to ask questions regarding your medical history, such as any surgeries you’ve had or any medications you take. You’ll also need to reveal any nonprescription medications you take. Keep in mind, you take blood and urine tests, so honesty is vital because anything you don’t admit to could show up during your test.

Body mass index (BMI) plays a role in whether you qualify for a life insurance policy and what your rate is. A higher BMI means you’re overweight and more prone to certain life-threatening health conditions.

Medical Testing 

During your exam, you’ll need to have your blood pressure and pulse taken to help detect any cardiovascular issues, including hypertension. A higher pulse could indicate a hormonal imbalance or another serious condition.  

After having your vitals taken, you’ll then have to undergo a saliva and blood tests as well as a urinalysis. These tests help detect any health conditions like hepatitis. The entire process determines the quality of your overall health. Many minor conditions don’t affect your overall health and therefore doesn’t play a role in you obtaining a life insurance policy. Depending on the condition, it might not change your rate much, so before you think you’re not healthy enough for life insurance, at least have the physical conducted. 

For a quote for life insurance and to discuss your eligibility, contact Elliot & Associates Insurance in Opelika, AL by calling 334-745-0888. 

How to Tell if You Need Commercial Insurance for Your Business

Owning a business is something that is very exciting and exhilarating. However, it can also be very stressful. As a business owner, you want to do everything that you can in order to protect your business from anything possible. There are a lot of things that you can do to provide this kind of protection. However, the best thing you can do for your business in Auburn or Opelika, AL is get a commercial insurance policy from Elliot & Associates Insurance. If you are still not sure whether you need a policy or not, consider some of the benefits and reasons below. 

Commercial Insurance for Your Business

The great thing about a commercial insurance policy is that they are all unique and made to fit the specific needs of the business. That means that a commercial policy that you get will be made for your business and provide all of the types of coverage that you need. A commercial insurance policy will also not only protect your business from things like a fire or a burglary, it can also protect you from your employees and also protect your employees in the process. It is the type of insurance policy that is multi-faceted and made to protect you from all kinds of things that can happen. You do not want to get caught without this type of coverage because without it, and there are things can destroy and/or bankrupt your company in the blink of an eye.

Now that you know how important a commercial insurance policy is for your business, you need to get one in place as soon as possible. Be sure to reach out to us here at Elliot & Associates Insurance, serving Auburn and Opelika, AL, today. We can provide you with a free quote and will make sure that your policy meets your needs and your budget. 

Is Earth Movement a Standard Coverage in Your Home Insurance?

Home insurance policies are usually referred to as “all-risk” insurance covers. While this is true in most instances, home insurance policies may not insure all risks that may cause loss of property or damage to your home. One of the commonly excluded risks is the earth movement, which excludes earthquakes.

The reason it is referred to as earth movement is that the exclusion is much wider than just earthquakes. Numerous types of moving or shifting earth are usually not covered by your insurance policy. You may be surprised to find out that some of these perils may be very difficult to insure, no matter the amount of premium you are willing to contribute. An earth movement policy is not something required in Alabama. You should, therefore, look for an insurance company such as Elliott & Associates Insurance in Opelika, AL which will take care of every need you may have.

Earth Movement Exclusions

The standard home insurance coverage’s definition of excluded earth movement extends to include shifting, sinking, contracting, or expanding earth. All these exclusions can also be combined with water or not. This implies that if you think of earth movement as seismic activity and earthquakes, you will miss out on some key exclusions that may result in large uninsured damages to your home.

  • Sinking – When the ground beneath your home settles, this is known as sinking. Poor compaction or erosion can lead to sinking.
  • Rising – This is the opposite of sinking. When the soil beneath your home rises, this is called rising. While rain or water may result in erosion, then too much water may lead to expansion.
  • Shifting – Rising and sinking usually covers the vertical movements while shifting covers the lateral movements.
  • Expanding – This complements rising earth. In fact, it expounds on the possibility of earth expanding.
  • Contracting – Sinking earth is quite the same as to contracting earth.

For a more comprehensive coverage of your home insurance, you will need to look for an insurance company such as Elliott & Associates Insurance in Opelika, AL that can walk you through the process. Reach out to our agents to learn more about your home insurance policy.