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When life happens

Most people don’t like to talk about, let alone think about, how prepared (or unprepared) they are for the unexpected. As we continue to maneuver through life’s adventures, it’s reasonable to assume we need to shift our mindset from “it might happen” to “when it happens”. While we can’t stop every unexpected event from occurring there are steps you can take to protect your belongings, home and vehicle. 

If you haven’t looked at your current insurance policies lately, now may be a good time to take inventory. Consider these questions:

• Do I have the right amount of insurance to protect my family and our assets in the event of a catastrophic occurrence? You can’t predict everything that will happen in life so being prepared is vital. It’s a good idea to revisit your insurance program regularly. As your life situation changes so do your insurance needs. Have you taken time to itemize your larger ticket items, precious heirlooms and other property to see where you may have holes in your current coverage?  

• Check your current rates and do some comparison shopping. Am I paying too much on previously purchased insurance? Rates are constantly changing. And if your record has improved, or your auto and home are insured together you may be eligible for additional deductions. 

• Are there better insurance options available? You’re not locked into your policy. Even if you have already paid your current policy you can still cancel at any time and receive a prorated refund. That means if your current insurance company isn’t willing to drop your rates or offer deductions that another offers, you may want to make the switch.

Did you know?
We now offer convenient insurance services through First Line Insurance Services, Inc. As a Credit Union West member, you are entitled to special rates for your insurance needs. First Line Insurance is a full service independent, licensed insurance agency that provides a variety of commercial and personal lines of products to fit your unique needs. First Line Insurance represents over 25 national and regional insurance carriers, so let them find you the best fit at the best price. Call 800.488.9838 or click here today for a free quote.

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting First Line Insurance Services’ underwriting qualifications and to state availability. First Line Insurance Services is an agent representing multiple insurance companies. This insurance is not a deposit and is not federally insured or guaranteed by Credit Union West.