Topic: Charlotte Insurance Agency
New with Topic: Charlotte Insurance Agency
sethhorner89 posted a blog entry
Gift Giving Strategies
The federal government imposes a substantial tax on gifts of money or property above certain levels. Without such a tax someone...
The federal government imposes a substantial tax on gifts of money or property above certain levels. Without such a tax someone...
sethhorner89 posted a blog entry
Charitable Remainder Trusts
A Charitable Remainder Trust normally is used as a strategy for converting highly appreciated assets into income producing...
A Charitable Remainder Trust normally is used as a strategy for converting highly appreciated assets into income producing...
sethhorner89 posted a blog entry
New Website URL for Charlotte' Insurance Agency
We a re happy to announce that I have added a new website URL to find Charlotte's Insurance Agency, Seth G. Horner Insurance. ...
We a re happy to announce that I have added a new website URL to find Charlotte's Insurance Agency, Seth G. Horner Insurance. ...
4 days ago
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Charlotte Insurance...sethhorner89 posted a blog entry
Estate Planning: Have a Will?
A will is a legal document that transfers what you own to your beneficiaries upon your death. It also names an executor to...
A will is a legal document that transfers what you own to your beneficiaries upon your death. It also names an executor to...
7 days ago
Charlotte Insurance
| Topics: Charlotte..., Estate..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., Estate..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Got Travelers Insurance?
Travelers and expatriates need more than insurance protection - they need knowledge and information to keep them healthy and...
Travelers and expatriates need more than insurance protection - they need knowledge and information to keep them healthy and...
7 days ago
Charlotte Insurance
| Topics: Charlotte..., International Health..., travel insurance..., Health...
Charlotte Insurance
| Topics: Charlotte..., International Health..., travel insurance..., Health...sethhorner89 posted a blog entry
Who is the Business?
Loss Of A Key EmployeeBusiness owners accept without question the wisdom of insuring the firm against the loss of its property...
Loss Of A Key EmployeeBusiness owners accept without question the wisdom of insuring the firm against the loss of its property...
sethhorner89 posted a blog entry
What If My Business Partner Dies?
The death of a major shareholder in a closely-held corporation can seriously interrupt continuity and profitability of the...
The death of a major shareholder in a closely-held corporation can seriously interrupt continuity and profitability of the...
sethhorner89 posted a blog entry
Estate Planning?
You may recall that during the final weeks of his life, former President Richard Nixon refused "heroic measures" and received...
You may recall that during the final weeks of his life, former President Richard Nixon refused "heroic measures" and received...
9 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Replacement Costs for Homeowners
Have you ever wondered how much it would cost to replace your home in the event of catastrophic event such as fire? If you are...
Have you ever wondered how much it would cost to replace your home in the event of catastrophic event such as fire? If you are...
12 days ago
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Homeowner's..., Homeowner's Insurance in...
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Homeowner's..., Homeowner's Insurance in...sethhorner89 posted a blog entry
Flexible Life Insurance Premiums?
You know the importance of life insurance to help protect your family, especially during those critical years when you have...
You know the importance of life insurance to help protect your family, especially during those critical years when you have...
14 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Business Insurance Article
From "The Business Edge"Endorsements: Plugging the Gaps in Your Business InsuranceNo business insurance policy covers every...
From "The Business Edge"Endorsements: Plugging the Gaps in Your Business InsuranceNo business insurance policy covers every...
sethhorner89 posted a blog entry
Driving Safely at Any Age
From "Looking Out for You" Newsletter:Cars and travel are American classics, and nobody wants to relinquish mobility,...
From "Looking Out for You" Newsletter:Cars and travel are American classics, and nobody wants to relinquish mobility,...
19 days ago
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Auto..., Auto Insurance in...
Charlotte Insurance
| Topics: Charlotte..., Charlotte Insurance..., Auto..., Auto Insurance in...sethhorner89 posted a blog entry
Factors To Consider When Selecting Life Insurance
In an ideal world, we would each carry sufficient life insurance to continue to provide a lifestyle for our survivors similar...
In an ideal world, we would each carry sufficient life insurance to continue to provide a lifestyle for our survivors similar...
21 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Providing Funds To Cover A Shortfall
When we compare our total needs to our total resources, most of us will find a shortfall. A shortfall situation means that our...
When we compare our total needs to our total resources, most of us will find a shortfall. A shortfall situation means that our...
21 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Calculating Your Total Available Resources
At this point, we have a pretty good idea of what your total cash need would be in the event of your untimely death. With any...
At this point, we have a pretty good idea of what your total cash need would be in the event of your untimely death. With any...
22 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Your Total Long Term Needs
In addition to covering your survivors' short term needs, some level of monthly income will be needed to maintain their...
In addition to covering your survivors' short term needs, some level of monthly income will be needed to maintain their...
23 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
Determining Your Life Insurance Coverage
Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually...
Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually...
24 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Life..., Charlotte Insurance...sethhorner89 posted a blog entry
New Website Design!
I am happy to announce that we will be converting our site over next week. Our goal in this initial phase is to start the...
I am happy to announce that we will be converting our site over next week. Our goal in this initial phase is to start the...
24 days ago
Charlotte Insurance
| Topics: Charlotte..., New Website, Seth G. Horner..., Seth Horner...
Charlotte Insurance
| Topics: Charlotte..., New Website, Seth G. Horner..., Seth Horner...sethhorner89 posted a blog entry
Whole Life Insurance
Life insurance that is kept in force for a person's whole life as long as the scheduled premiums are maintained. All Whole...
Life insurance that is kept in force for a person's whole life as long as the scheduled premiums are maintained. All Whole...
25 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., whole life insurance life insurance..., Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., life..., whole life insurance life insurance..., Charlotte Insurance...sethhorner89 posted a blog entry
Medicare Advantage Plans
Medicare Advantage Plans are health plan options that are approved by Medicare but run by private companies. They are part of...
Medicare Advantage Plans are health plan options that are approved by Medicare but run by private companies. They are part of...
27 days ago
Charlotte Insurance
| Topics: Charlotte..., Medicare, Charlotte Insurance..., Medicare in Charlotte...
Charlotte Insurance
| Topics: Charlotte..., Medicare, Charlotte Insurance..., Medicare in Charlotte...sethhorner89 posted a blog entry
Commercial General Liability
The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general...
The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general...
28 days ago
Charlotte Insurance
| Topics: Charlotte..., Business..., Charlotte Insurance..., Auto...
Charlotte Insurance
| Topics: Charlotte..., Business..., Charlotte Insurance..., Auto...sethhorner89 posted a blog entry
No business can afford to be unprepared.
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do)...
Liability insurance protects your business assets when the business is sued for something the business did (or failed to do)...
29 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Business..., Charlotte Insurance...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Business..., Charlotte Insurance...sethhorner89 posted a blog entry
Annuity Pay Out Plans
Life Only - Periodic monthly payments to an annuitant for the duration of his or her lifetime and then ceases. It is for a...
Life Only - Periodic monthly payments to an annuitant for the duration of his or her lifetime and then ceases. It is for a...
sethhorner89 posted a blog entry
The Accumulation Phase
Features During the accumulation phase, the fund grows tax deferred, it does not grow tax free. If the annuity was not...
Features During the accumulation phase, the fund grows tax deferred, it does not grow tax free. If the annuity was not...
30 days ago
Charlotte Insurance
| Topics: Charlotte..., Annuities, Retirement, Charlotte Insurance...
Charlotte Insurance
| Topics: Charlotte..., Annuities, Retirement, Charlotte Insurance...sethhorner89 posted a blog entry
What is an Annuity?
The material presented on our web site may contain concepts that have legal, accounting and tax implications. It is not...
The material presented on our web site may contain concepts that have legal, accounting and tax implications. It is not...
31 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Retirement, Charlotte Insurance...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Retirement, Charlotte Insurance...sethhorner89 posted a blog entry
Medicare in Charlotte
Today's Medicare is about choice. Your health plan choices include:The Original Medicare Plan Medicare + Choice Plans,...
Today's Medicare is about choice. Your health plan choices include:The Original Medicare Plan Medicare + Choice Plans,...
sethhorner89 posted a blog entry
More Terms in Term Life Insurance
Children's Term Insurance Rider: Provides term insurance to the insured's children. It is a flat premium for all his...
Children's Term Insurance Rider: Provides term insurance to the insured's children. It is a flat premium for all his...
sethhorner89 posted a blog entry
Term Life Insurance Glossary
Accidental Death Benefit: An extra death benefit amount that is paid out in addition to the face amount of the policy if...
Accidental Death Benefit: An extra death benefit amount that is paid out in addition to the face amount of the policy if...
sethhorner89 posted a blog entry
Term Life: Additional Items to Consider
Here are some additional items to consider when you are selecting a term or permanent policy:What happens if I fail to make the...
Here are some additional items to consider when you are selecting a term or permanent policy:What happens if I fail to make the...
34 days ago
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Insurance..., Term Life...
Charlotte Insurance
| Topics: Charlotte..., life..., Charlotte Insurance..., Term Life...sethhorner89 posted a blog entry
Questions to Consider When Considering a Term Policy
Questions to Consider When Considering a Term PolicyHow long can I keep this policy? If you want the option to renew the policy...
Questions to Consider When Considering a Term PolicyHow long can I keep this policy? If you want the option to renew the policy...
35 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...sethhorner89 posted a blog entry
Advantages and Disadvantages of Term Insurance
Advantages and Disadvantages of Term InsuranceAdvantagesInitially, premiums are generally lower than those for permanent...
Advantages and Disadvantages of Term InsuranceAdvantagesInitially, premiums are generally lower than those for permanent...
35 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...sethhorner89 posted a blog entry
Term Life Insurance Charlotte NC
Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Level term...
Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Level term...
39 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Term Life...sethhorner89 posted a blog entry
Purchasing Tips- Life Insurance
Here are a few tips to keep in mind when purchasing a life insurance policy: Take your time. On the other hand, don't put off...
Here are a few tips to keep in mind when purchasing a life insurance policy: Take your time. On the other hand, don't put off...
sethhorner89 posted a blog entry
Here are additional questions to ask about the policy illustration:
Is the illustration up to date? Is it based on current experience?Is the classification shown in the illustration appropriate...
Is the illustration up to date? Is it based on current experience?Is the classification shown in the illustration appropriate...
sethhorner89 posted a blog entry
What does the policy illustration show?
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. An...
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. An...
sethhorner89 posted a blog entry
Permanent Policy - Points to Consider
Are the premiums within my budget? Be sure you want to spend the money for this type of long-term coverage.Can I commit to...
Are the premiums within my budget? Be sure you want to spend the money for this type of long-term coverage.Can I commit to...
sethhorner89 posted a blog entry
Advantages and Disadvantages of Permanent Insurance
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. Advantages...
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. Advantages...
45 days ago
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Permanent Life...
Charlotte Insurance
| Topics: Insurance, Charlotte..., Charlotte Insurance..., Permanent Life...sethhorner89 posted a blog entry
Variable Life
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. Variable...
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. Variable...
sethhorner89 posted a blog entry
Whole Life or Ordinary Life
This was the most common type of permanent life insurance. It was sold by Mutual Life Insurance Companies, however, some stock...
This was the most common type of permanent life insurance. It was sold by Mutual Life Insurance Companies, however, some stock...
sethhorner89 posted a blog entry
Permanent Life Insurance?
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. ...
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company. ...
sethhorner89 posted a blog entry
Bond Network in Charlotte
Just wanted to let you know that I have now partnered with a network of professionals offering contractor bonds. We will offer...
Just wanted to let you know that I have now partnered with a network of professionals offering contractor bonds. We will offer...
sethhorner89 posted a blog entry
As a single person, do I need insurance?
The answer almost always is yes. You may want to consider these options: Disability income insurance - especially important for...
The answer almost always is yes. You may want to consider these options: Disability income insurance - especially important for...
sethhorner89 posted a blog entry
Does it make sense to replace a policy?
Think twice before you do, because in many situations it may not be to your advantage. Before dropping any in-force policy,...
Think twice before you do, because in many situations it may not be to your advantage. Before dropping any in-force policy,...
sethhorner89 posted a blog entry
What should I consider in naming life insurance beneficiaries?
Always name a "contingent," or secondary, beneficiary, just in case you outlive your first beneficiary. Select a specific...
Always name a "contingent," or secondary, beneficiary, just in case you outlive your first beneficiary. Select a specific...
sethhorner89 posted a blog entry
Life Insurance Medical Exams
By using medical tests are insurers trying to eliminate any applicant likely to develop a serious health condition? Medical...
By using medical tests are insurers trying to eliminate any applicant likely to develop a serious health condition? Medical...
sethhorner89 posted a blog entry
How do accelerated death benefits work?
It allows policyholders to receive all or part of the policy's proceeds prior to death under certain circumstances, including...
It allows policyholders to receive all or part of the policy's proceeds prior to death under certain circumstances, including...
sethhorner89 posted a blog entry
Life Insurance RIders
Are other riders available? "Accidental death benefit", provides for an additional benefit in case of death as a result of an...
Are other riders available? "Accidental death benefit", provides for an additional benefit in case of death as a result of an...
sethhorner89 posted a blog entry
Life Insurance and a Disability?
What if I become disabled? Provisions or riders that provide additional benefits can often be added to a policy. One such...
What if I become disabled? Provisions or riders that provide additional benefits can often be added to a policy. One such...
sethhorner89 posted a blog entry
What happens if I fail to make the required payments?
If you miss a premium payment, you typically have a 30- or 31-day grace period during which you can pay the premium. After...
If you miss a premium payment, you typically have a 30- or 31-day grace period during which you can pay the premium. After...
sethhorner89 posted a blog entry
Life Insurance Needs Analyzer
How much Insurance do I need? Before buying life insurance, you should assemble personal financial information and review...
How much Insurance do I need? Before buying life insurance, you should assemble personal financial information and review...
