Do College Grads Need to Consider Life Insurance?

Is life insurance something you need to consider after finishing university? As a college graduate, securing life insurance is probably one of the last things on your mind.  However, if you have taken out student loans to fund your education, then the need to secure life insurance coverage is actually quite pressing.  Here's why you should seriously consider securing life insurance as a recent college grad. Protecting Your Loved Ones The average student loan per borrow is around $33,000, Read More

The Consequences of Driving with an Expired License

Getting caught driving with an expired license can have some very serious consequences. As a driver, it is your responsibility to ensure that your driver's license remains up-to-date and valid.  Should you accidentally allow your license to expire, then attempting to drive is actually illegal across all 50 states.  If you get caught driving with an expired driver’s license, here are some of the possible penalties that you can face. Legal Consequences If the officer who stops you is Read More

Ways to Spread Love to Your Community This Valentine’s Day

Try out these suggestions to give back to your community. Today is Valentine's Day!  While this holiday generally focuses on celebrating the love between couples, there are other ways that you can spread some love.  For instance, one great way to get into the spirit of the holiday is by giving back to your community and showing others that you care.  Here are some of the things that you can do today to send some love to your community. 1) Volunteer at a Local School Unfortunately, Read More

Do I Have Enough Personal Liability Coverage?

Understanding the personal liability coverage provided by your homeowners insurance. As a homeowner, one of the most serious and expensive claims that you can face revolves around personal liability issues.  This is why it's so important to make sure that you have adequate personal liability protections in place.  While most individuals have this type of coverage through their homeowners or renters insurance policy, many do not understand what their liability insurance covers and do not know if Read More

Tips for Getting Healthy This Year

Try out these suggestions to live a healthier 2019. The start of the New Year is a great time to evaluate yourself and set goals for self-improvement. If one of your goals for this year is to get healthier, there are many different suggestions you can try. While you can always focus on improving your diet and getting more exercise, there are plenty of other ways to get healthier as well. Here are some things you can do to improve your health this year. Get More Sleep Most adults fail to Read More

How to Recognize Workers Compensation Fraud

These signs indicate a fraudulent workers compensation claim. As a business owner, it's natural to want to trust your employees. Unfortunately, when it comes to workers compensation claims, the National Insurance Crime Bureau reports that fraud costs the system approximately $30 billion annually. If you run a small business, a fraudulent workers compensation claim can increase your insurance costs significantly. To protect your business's assets, you need to investigate each workers Read More

Auto Insurance for First-Time Drivers

Here's what you need to know about securing car insurance for the first time. When it comes time to secure your first auto insurance, you may be tempted to ask your agent for the cheapest policy out there. However, now is not the time to skimp on coverage. Here are some of the recommended coverages that all drivers are encouraged to carry. Bodily Injury Liability This insurance will offer financial coverage for the third-party injuries you may accidentally cause while behind the wheel. Read More

Can You Stay on Your Parents’ Insurance When You Move Out?

How long can you remain on your parents' car insurance? If you are a younger driver, then remaining on your parents' auto insurance is likely your cheapest coverage option. However, there are certain circumstances under which you will not be allowed to remain on their policy. For instance, you cannot remain on your parent's policy when you move out. Here's why. Why do I get removed from my family's policy? Car insurance is sold per household. This means that your parent's insurance will Read More

What Life Insurance Policy Holders are Responsible For

Here's what you need to take care of as a life insurance policyholder. If you have secured the proper life insurance coverage, this is just the first step of many that you’ll need to take. Being a responsible life insurance policyholder requires more than simply paying your premiums. Here are some of the other tasks that you’ll need to check off your list. Review Your Policy Once you have secured a life insurance policy, it's important to review and update it on a regular basis. You Read More

Wishing You a Safe Holiday Season from ISU-Wissink Insurance

Happy holidays from our family to yours. With the holidays nearly upon us, we at ISU-Wissink Insurance would like to take this opportunity to wish all of our loyal clients a happy, healthy, and safe holiday season. As an experienced insurance provider, we are aware that the holiday season introduces some unique risks. This is why we encourage you to try out these safety suggestions to protect the people and things you love most. Fire Safety Do not leave your oven or stove unattended Read More