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About Mike Fulmer

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So far Mike Fulmer has created 50 blog entries.

Risk Factors That Impact Life Insurance Premiums

When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone. Understanding the factors that determine how much you will pay each month. Insurance companies use the following risk factors to calculate your premiums: Age Age is one of the most significant factors in determining life insurance costs. The older you are when you [...]

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Why Single People Need Life Insurance

Many people wonder if single people need life insurance. It’s easy to believe the answer is “no.” After all, the main purpose of life insurance is to provide cash to your family if you were to pass away. So, it seems logical to think you don’t need life insurance if a spouse or kids aren’t depending on your earnings. However, there are definite times when single people need life insurance. Here are some of the most common reasons to consider life insurance if you’re flying [...]

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Why Do I Need Term Life Insurance?

Term life insurance is a type of life insurance policy that provides coverage for a set period of time, typically between 10 and 30 years. Here are some reasons why you may need term life insurance: Provide financial security for your loved ones: If you were to pass away unexpectedly, term life insurance can provide your loved ones with financial security. The death benefit can be used to cover expenses such as funeral costs, outstanding debts, and living expenses. Protect your family's future: If you [...]

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Renewal Home Insurance Process: A Comprehensive Guide

Home insurance is a vital aspect of protecting your home and investment. As your policy's expiration date approaches, it's essential to understand the renewal process and make informed decisions to ensure your coverage remains adequate. In this guide, we'll walk you through the renewal home insurance process and highlight key considerations. Understanding the Renewal Process Home insurance policies typically have a one-year term, and they need to be renewed annually to maintain coverage. The renewal process involves the following steps: Review Your Policy Documents Start [...]

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What to Do If You’re in an Accident with an Uninsured Driver

Being in a car accident is stressful enough, but finding out the other driver doesn’t have insurance can make things even more complicated. Dealing with damages, injuries, and unexpected costs can feel overwhelming. Here’s a step-by-step guide to help you navigate this situation. Stay Calm and Assess the Situation First and foremost, safety is the priority. Check yourself and any passengers for injuries, then ensure that everyone is safe by moving to a secure location if possible. Even if the accident was minor, it’s essential [...]

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Home Renovations 101: Knowing When to Renovate and Understanding Insurance Implications

Renovating your home can be an exciting yet daunting endeavor. Knowing when to take the plunge can significantly impact your living space and even your home insurance. One of the primary reasons homeowners consider renovations is to increase functionality. As your family grows or your lifestyle changes, you may find that your current layout no longer suits your needs. Whether it's adding an extra bedroom, expanding the kitchen, or creating a home office, renovations can enhance your quality of life. Another motivating factor for renovations [...]

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The Five Main Parts of an Auto Insurance Policy: What You Need to Know (And Why It Matters!)

Navigating the world of auto insurance can feel like decoding a secret language. What do all those coverages mean, and how do they protect you? Don’t worry—we’re here to break it down and make it simple. Knowing the ins and outs of your auto insurance policy isn’t just about ticking boxes; it’s about ensuring you, your passengers, and your vehicle are covered when life throws you a curveball (or a fender bender). So, what are the five main parts of an auto insurance policy? Let’s [...]

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Why Is Life Insurance Important If You’re Self-Employed?

Working for yourself may sound like an ideal career situation. You have the freedom to grow your own business the way you want and without any of the parameters imposed by a boss. But it also means not having the safety net of benefits that are typically offered with a traditional job, such as life insurance. People depend on you and your business. Life insurance can keep it in the family or replace your income if the company won’t operate any longer without you. There [...]

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How an Independent Insurance Agent Saves You Time & Money

Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agent, we are what you need. We are knowledgeable and versatile. Best of all we have options, and these options give you options and can save you hundreds and sometimes thousands of dollars in premiums.  As an independent insurance agent, we can tailor each policy to your specific needs and price range. We can do this because we work with dozens of insurance [...]

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Summer Travel Safety: Tips for Staying Safe and Secure While Traveling

Summer is a popular time for travel, whether it's a road trip, a beach vacation, or an international adventure. It's important to prioritize safety and security during your travels to ensure a smooth and enjoyable trip. Here are some tips for staying safe and secure while traveling during the summer: 1. Plan and research: Before you travel, research your destination thoroughly. Understand the local laws, customs, and cultural norms. Familiarize yourself with the local emergency services and know the location of the nearest embassy or [...]

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