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Sparks Insurance, Inc. Blog: insurance

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A septic company handles some of the most difficult work out there. They are responsible for helping a homeowner or business owner to manage waste at the location. Plenty can go wrong in these situations. The right business insurance can help minimize some of these risks. READ MORE >>

The water lines to your home carry water throughout it. They work reliably and long-term in most cases. Yet, there are times when a break can occur. When this happens, it can leave you without the ability to use your home. And, you may face substantial damage repair needs. READ MORE >>

When it comes to protecting your family, life insurance can help. It provides a payment to your family after your death. However, it can also do much more. What are some of the other benefits of your coverage?  You determine how your heirs use your life insurance to some degree. READ MORE >>

Two key numbers in retirement planning are Social Security income and Medicare premiums. Each year, the federal government updates benefits and costs. For example, for 2018: Social Security: The average benefit at full retirement age increased $27 per month to $1,404. READ MORE >>

There are several ways you can build capital to help your children when they enter adulthood. College Savings Plans > 529 Plans allow you to make tax-advantaged deposits that earn returns and can be used to pay college tuition at a later date. READ MORE >>

We are not getting any younger, but even age doesn't limit the potential to become disabled by an injury or accident. Our physical and financial responsibilities for ourselves and families can be seriously affected if we were unable to continue working, whether for a short period of time or for forever. READ MORE >>

Your policy's cash value could be a crucial resource. Whole life insurance builds cash value that can be important even before a death benefit is paid. Help if physically disabled. With a “waiver of premium disability rider” on your policy, your life insurance will remain in full force if you become disabled, and your premium payments will be waived. READ MORE >>

Business auto insurance coverage can differ depending on the wording in the specific policy. However, there are traits common across most business auto insurance policies that every company should know about. Named Insured, Permissive Use and Covered Auto A business auto policy is typically written in the name of the business entity (e. READ MORE >>

It's a simple question, yet one that keeps many parents of special needs children up at night: who will take care of my child when I'm gone? Any family with such responsibility knows planning for future financial costs can be daunting: thousands of dollars for adaptive equipment such as wheelchairs and possibly tens of thousands for hospital and ongoing medical and/or physical care. READ MORE >>

The H3N2 flu strain that swept across the United States in late 2017 and early 2018 proved to be one of the worst strains in recent history. In addition to widespread illness and some deaths, this strain also caused great harm to employers due to millions of hours of lost worker productivity. READ MORE >>

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