CRG Services. Inc.

Things to be aware of this Halloween: - Be careful trick or treating - pay attention to cars; drivers watch out for pedestrians - Careful with pumpkins - don't underestimate the candle inside the pumpkins; you don't want a fire to start - Vandalism - trick or treat, right? Watch for older kids and teens looking to create mischief

Things life insurance can do: - Protect your loved ones - Help provide financial reassurance - Help pay off debt - Help protect your business - Help pay for college tuition - Help you save for retirement - Help cover end-of-life expenses - Aid in estate planning - Help with charitable planning

Why didn't the melons get married? Because they cantaloupe. #FridayFunny 😂

Why buy term life insurnace? 1️⃣ Affordable Premiums: Get high coverage at low costs, making it easy to secure your family's future without breaking the bank. 2️⃣ Financial Security: In the unfortunate event of your passing, term insurance ensures your family stays financially protected, covering major expenses like loans, education, and daily needs. 3️⃣ Tax Benefits: Enjoy tax savings under Section 80C of the Income Tax Act, adding more value to your investment. 4️⃣ Peace of Mind: Sleep better knowing your family will have a financial safety net, even when you’re not around. 5️⃣ Flexible Payout Options: Choose between lump-sum, monthly, or a combination, depending on what suits your family's needs the best.

Homeowner insurance can be an important area of expertise for real estate agents since some mortgage lenders won't release mortgage funds without proof of an insurance policy. What's the difference between HO3 vs HO5 insurance policies? Ask your independent agent!

What did the cucumber say to the pickle? You mean a great dill to me. 😂

Protection Against Uninsured Drivers About 14 percent of all motorists, or one in seven drivers, do not have automobile insurance, according to the Insurance Research Council. Having the misfortune to get into an accident with an uninsured motorist may have serious financial consequences, depending upon the state in which you reside and whether it is a “no-fault” or “tort” state. In no-fault states, the law does not assign blame for an accident. As a result, each driver is reimbursed by his or her insurance company for any damages. In a “tort” state, insurance companies pay out claims based on the percentage of fault assigned to each driver. Any accident with an uninsured driver means no insurance reimbursement payment for his or her apportioned share of the damage. This can leave you holding the financial bag. How to Protect Against Uninsured Drivers Some states require drivers to take out insurance for uninsured (and underinsured) motorists. Where not required, it may be a good idea to add that coverage to your auto policy. You can buy protection against uninsured (and underinsured) drivers for both bodily injury and property damage. This coverage may also be valuable in cases where an insured motorist flees the scene of an accident without trading insurance information. The first step to protecting yourself against this potential financial risk is to contact your insurance agent to discuss your current coverage, applicable state insurance laws, and what you need to do to obtain protection against uninsured motorists.

Does Your Credit Score Affect Your Insurance Rates? While the vast majority of insurance companies use credit-based insurance scores to help determine the price of insurance, it is banned in Massachusetts, Michigan, Hawaii, and California. Some states only allow it as a factor for property insurance, such as auto and homeowners insurance. Other states allow it to be used with any type of insurance. Generally, an insurance company will use a credit-based insurance score as just one factor in its underwriting process. Other factors may be considered, depending on the type of insurance. For example, with auto insurance, other factors could include your zip code, the age of the driver, the make, model, and age of the car, and the number of miles you drive annually. The use of credit scores to determine insurance rates is rooted in research that has shown individuals with lower credit scores tend to file more claims.

What does cyber liability insurance cover? - Lost income - Notifying affected patients of the data breach - Recovering compromised data - Repairing computer systems - Bank fees for having to cancel stolen credit cards

How did the telephone propose to his girlfriend? He gave her a ring. 😂