Month: September 2023

Things you should always carry with you in your vehicle

Posted on by agentinsure

Having the right things in your vehicle at all times ensures you are not caught up short. In Austin, TX, you need to consider the heat as well as the laws of the state of Texas. At Southwest Insurance Center, we are independent agents, providing personalized service and more choices. 

Your vehicle registration and insurance card

Your registration in Texas is a sticker on your car window, so make sure you attach it. The insurance card or proof of financial responsibility should be in your glove box where it is safe. If you get in an accident or are pulled over for any reason, you will be in compliance with the law. 

Your driver’s license 

Most people carry their driver’s license in their wallet, and that will be in your pocket or purse. Keeping it safe is vital since it is a form of ID. 

Your auto club membership

If you have a problem with your vehicle, you will need to carry your auto club membership card so that you have the phone number to call for assistance. This provides a degree of security, knowing you won’t be stranded without resources. 

A spare tire, jack, and can of Fix-a-Flat.

It doesn’t take much to cause your tire to go flat. The first thing to try is Fix-a-Flat, and if that doesn’t work, you can change your flat tire, or you can call someone to come and change your tire, you do need to have the tire for them to put on. 

If you live in or near Austin, TX, we are happy to offer you the benefit of our experience. Contact Southwest Insurance Center today for the best and most affordable auto insurance coverage. 

How Can Life Insurance Benefit The Living Insured?

Posted on by agentinsure

It’s a most misunderstood tenet of life insurance that it only pays out when the insured passes on. Actually, "life" insurance means for your life. 

We mean that those insured can enjoy the benefits of a life insurance policy during their lifetime without touching the death benefits. From using the policy as collateral on a loan to using it to pay for long-term care, life insurance policies are about life and death.

For What Could You Use The Money?

The policy’s cash value reverts to insurance companies such as Southwest Insurance Center upon the insured’s passing. If you don’t use the money, you’ll lose it. 

For example, assisted living isn’t the only expense seniors face as they age. In-home nursing care, adult day care, and nursing homes are just a few examples of the uses to which life insurance monies can be put.

What You Should Know About Life Insurance

There are ways to customize or optimize a life insurance policy to suit the changing needs of the insured:

  • A waiver of premium rider removes the policyholder’s need to make premium installments if the insured becomes disabled.
  • A disability income amendment pays the insured monthly if the insured can’t work for a long time due to a debilitating injury.
  • If the insured is diagnosed with a terminal illness, an accelerated death benefit endorsement permits the insured to claim the complete death benefit. 
  • A portion of the accelerated death benefit amendment is the long-term care endorsement that can pay for nursing, long-term care homes, and nurse’s aides for at-home care.

Losing a parent or spouse in Austin, TX, or anywhere else is devastating. Southwest Insurance Center is here to mitigate the devastation with life insurance. Give us a call or drop in the office to learn more about it.