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1489 Baltimore Pike |
| Automobile | Home | Life | Health | Commercial | Motorcycle | Boat Owners |
Auto InsuranceChoosing the right automobile insurance coverage can be a difficult experience without the correct direction. Contact P&I to help you choose liability limits, comprehensive & collision deductibles, & medical coverage. It's easy for most consumers to make a mistake that could become a drastic consequence towards their family’s financial stability & well being. The value of automobile insurance doesn't become apparent until you really need it. Regardless if it's a fender bender or a costly accident, it pays to have quality coverage you can count on. As an independent insurance agency it's our job to protect you, the client. We will work to provide the individual coverage you require. When it comes to protecting your auto(s), don't leave it up to chance. Being properly insured with the best company for your needs definitely has its advantages. The following are all insurable risks:
Homeowners InsuranceNo two homes are exactly alike. Purchasing a policy when the agent just matches your current policy coverage’s can result in inadequate coverage. Your homeowners policy should illustrate the uniqueness of your home and your lifestyle. We calculate an up to date estimate for the coverage amount your home needs to be insured. Whether you own a house, a condominium, or rent an apartment, for most people their home is their most important investment. We know at P&I that we have the ability to offer a variety of policies through a number of companies to meet each person’s individual needs. Most importantly, we can provide you with the security that comes only from the knowledge that your home is safe. The following are all insurable risks:
Life InsuranceWhat is Term Life Insurance & is it right for me?As its name indicates, term life insurance insures you for a specific term or number of years. If you die during the term, your beneficiary is paid the coverage amount subject to your policy terms. Because it provides insurance without any cash value accumulation, term life insurance coverage is almost always less expensive initially than permanent coverage. The Advantages of a Term Life Insurance Policy…Term life insurance is purchased to provide peace of mind for you and your family. It protects the assets you've worked so hard to attain. And all this security reaches up to 30 years into the future, at guaranteed level premiums that are competitively priced today. At P&I we have direct access to over 20 Life insurance companies to offer the best pricing and correct policy to meet the needs of your family’s financial future. What is Universal Life Insurance & is it right for me?With universal life insurance, you can accumulate cash value that grows tax deferred and can be taken as loans or withdrawals. In some instances, the death benefit can include this cash value in addition to the policy's amount of insurance. It also, within certain limitations, lets you adjust your coverage, and how much premiums you pay to suit your changing needs. The Advantages of Universal Life Insurance…Income Tax-Free Death Benefit – Under current tax laws, life insurance proceeds are generally free of federal income taxes when they’re paid to the beneficiary. Flexible Premiums – Keeping a UL policy in effect does not require paying a fixed premium. Premiums may be paid at chosen times and in the selected amount, and premiums may be even be skipped. The policy only stays in effect as long as the policy's net cash surrender value is large enough to pay the policy's costs and charges. The more premium is paid, the larger the policy's net cash surrender value becomes. Cash Withdrawals — When you have enough cash surrender value you may withdraw or borrow the money. (Loans and withdrawals will negatively impact policy performance, including reducing the available death benefit. If a policy with an unpaid loan is surrendered, a taxable event may occur). Health InsuranceMedical insurance is used to help you pay the costs associated with injury or sickness. In today’s medical industry the costs are very high and without the correct coverage or any coverage at all, you could jeopardize your financial future. At P&I Insurance we can offer many different types of health insurance. Whether you’re an individual who just needs coverage for a short term, a self-employed individual who needs coverage for the whole family, or an employer who is shopping the coverage you offer your employees, we can meet your needs. Most plans cover…
The following plans are available at P&I:
Commercial InsuranceEvery successful business model involves the value of proper insurance coverage. No business owner wants their operations to stop whether is temporary or for good. Choosing the right insurance company for your needs is very important when starting or evaluating your business. Your business is unique from the others and only you can make the decision of what coverage is needed and not necessary. At P&I we have direct access to over 10 commercial companies all with different coverage’s. Let us help you tailor a policy for your best interest! The following coverage is available at P&I:
Targeted Businesses:
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