There are various life insurance myths that need to be busted. Life insurance can be a very useful resource, particularly in the event that you pass before you are financially prepared. It gives your family a chance to regain momentum and have the money that is needed to do so.

One of the top myths is that you may be too young for life insurance. There is no perfect age to purchase life insurance. The reality is that life insurance may be more affordable for you when you are in your 30s or 40s. This is because you are generally in better health when you are younger.

Another myth is that term life insurance is the best option. While term is good in some instances, it is not always the best. You will want to compare it to universal and whole life insurance and see if one of the other options is better, particularly because of the associated cash value.

Another myth is that it is always cheapest to purchase life insurance online. While there many resources available online, it can be effective to work with an independent insurance agent in order to learn about all of the different options and receive quotes for comparison purposes.

You can also be in poor health and still get a policy. You don’t have to rely solely on an employer-provided policy. It’s possible to have more than one policy for yourself in order to provide protection.

At Paragon Independent Insurance Agency, we look forward to helping you find insurance you can count on. Call and speak to an agent today to discuss life insurance possibilities in Plano, Texas. This will allow us to work with you on an individual level to break through the myths and determine what coverage is best for you.

 

 

After getting married, there are lots of things to do. One item that should be on your to-do list if you’ve recently tied the knot is shopping around for new insurance policies. Once you’re married, you may be able to find insurance discounts that you previously didn’t qualify for.

You May Qualify for Multi-Policy Discounts

After getting married, you may qualify for several different discounts. One of the main ones to look at is multi-policy discounts.

Many insurers offer to reduce their premiums to customers who have more than one policy with them. Once you’re wed, you and your spouse share an account. You’ll likely have multiple policies with the same insurer — even if you each have only one insurance policy with them.

The amount you might save with a multi-policy discount could be a few dollars, or it might be a lot of money. It’ll depend on your insurance premiums and how large a discount an insurer offers. Most multi-policy discounts are percentage based, so the higher your premiums are and the larger the percent off is, the more you’ll save.

Insurance Agents Quickly Compare Discounts

Shopping around for the best multi-policy discount available in Plano, TX doesn’t have to take long. At Paragon Independent Insurance Agency, our agents can quickly compare several different insurers policies to which company’s multi-policy discount is the best. As our name says, we’re an independent insurance agency, therefore our agents can look at any insurance policy offered in Texas.

To reach one of our independent insurance agents, simply contact us through our website or call our office. One of our agents will quickly get back to you and help you find an insurer that has a large multi-policy discount you can take advantage of.

 

It is no surprise that summers in Plano can be very hot. You need to know how to protect your pooch so that your dog is comfortable and well as protected. By following a few tips it will be easy to do this, and your dog will thank you for it.

Exercise Times

Remember that you need to be conscious about exercise times. The hottest part of the day is the worst time for your dog to be outside exercising. Allow your dog to exercise during the morning hours or in the evening, and even then use shade as a way to give them a break.

Paw Protection

Concrete is never good on anyone’s feet – and this includes the paws of your dog. Go to the pet store and purchase booties or some kind of paw protection, such as adhesive pads, so that your dog can walk along the pavement without burning paws.

Hydration

Keep your dog hydrated at all times. This includes providing access to water nonstop, using wet food in combination with dry food during feeding times, and knowing the signs of overheating. If your dog is starting to pant excessively, it’s time to cool him down and give him a drink.

Bug Control

Many people forget that there are a lot of bugs outside during the summer months. You can do a lot to protect your pooch by making a visit to the veterinarian to talk about prevention medication. This includes protecting against threats such as fleas and ticks as well as heartworm, which can be transmitted by a mosquito bite.

Call us at Paragon Independent Insurance Agency today to learn more about how we can help you with home insurance and keeping everyone in your home safe. We can help you find the most affordable policy in Plano.

 

 

In Plano, you are situated near a variety of lakes. This includes Lewisville Lake to the west,  and Lake Ray Roberts and Lavon Lake to the east. If there is any kind of flooding that occurs as a result of too much rain or an overflow of these lakes, your home could be in danger.

It can be very expensive to make repairs to your home after a flood. The water may have damaged the exterior of your home, drywall, carpeting, and more. It may have also damaged furniture and other belongings.

Homeowners have gone bankrupt trying to make these repairs and you don’t want to fall into the same problems. This is why it is cost effective to buy flood insurance. Your homeowner’s insurance policy doesn’t provide this coverage and you don’t want to be without it, especially because of where you are located in Texas.

Flood insurance policies can be very affordable and provide you with significant amounts of protection. This way, if your home does suffer from a flood, you can make a call to file a claim. From there, you can obtain the needed funds to make the repairs to your home and replace what has been damaged from the flood.

You can afford flood insurance, especially when you work with an agent who is going to help you find the best policy.

At Paragon Insurance Agencies, we can help you to find a policy that is affordable. We will talk to you about levels of coverage, make comparisons between the different insurance companies, and answer any questions that you may have. This will ensure you have the coverage needed to protect your property against any loss that could occur.

Call and talk to one of our independent agents about flood insurance in Plano today! It is a call you can’t afford not to make.

 

Stonebriar Centre Mall in Frisco, TX is a great place to relax, but before you relax you have to take care of your business. Many small businesses are burdened by high operating costs. Business insurance does not have to be one of the costs that burden your business. The following are three ways to save money for your small business.

Employ Safe Drivers

Whether your drivers are tractor trailer drivers or they drive your company vehicle, employing drivers who are safe will save you thousands of dollars. As a business owner employing drivers, you have the right to know your driver’s driving history. You can get this information from us, your local insurance company, so that you can make an informed decision about who you let behind the wheel of your company vehicles.

Get Discounts for Multiple Lines of Commercial Insurance

The great state of Texas does not simply require commercial auto insurance, you also have to have other types of insurance. Fortunately, with multiple types of insurance with our insurance company, we can provide discounts for your business insurance. So, when you are ready to get auto, property and casual, and key person insurance, we have you covered.

Eliminate Fees

Fees are a burden for any business. Whether you are paying a fee to pay your employees or paying a fee to pay your insurance, you have the ability to eliminate some of these fees. When you pay your business insurance in full with our company, you do not have to worry about paying fees associated with creating an installment plan. Additionally, you can come to our local office and make your payment, which eliminates the fee associated with making an electronic payment.

Give your business a fighting chance by reducing operational costs. By hiring safe drivers, getting multiple lines of insurance from us, and paying once a year, you can save thousands of dollars in insurance costs.

We like to brag that everything is bigger here in Texas. We are a big state with big goals and as business owners, most of us would like to see our businesses get bigger. Well one thing we don’t want to see get bigger are our commercial insurance premiums. If you are a business owner in the Lone Star State, here are three easy ways to save on your commercial insurance without sacrificing coverage.

1. Get an insurance review. Getting a review is important so you know exactly the coverage you currently have. This will set the basis of your current coverage and allow you to better compare if another rate is indeed better.
2. Compare. Once you know you exact present coverage, you can then compare the policies of multiple companies. This is simple to do with an independent insurance agency that can search out quotes from a variety of insurance providers.
3. Select a Money-Saving Payment Option. An easy way to save money on your business or personal insurance is by paying annually or even by electronic direct deposit.

Taking these steps should result in savings without sacrificing valuable coverage. If you would like to save money on your commercial insurance, contact the independent agents at Paragon Independent Insurance Agencies. We specialize in commercial insurance for small and large Texas companies.

We also invite you to visit our website to get an online comparative quote on your homeowners and auto insurance. We think you’ll discover how our status as an independent agency can save you on your business and personal insurance. At Paragon Independent Insurance Agencies, we make it our business to save you money.