Those that live in the Burlington, NC area will have many different insurance needs. One of the most important insurance needs is to have health insurance. There are several reasons why someone in this area will need to have health insurance coverage at all times.

Access to Preventative Care

One of the most important reasons to get health insurance is because it will provide you with access to preventive care. Many health issues that people have could have been avoided if they had access to medical attention earlier. When you have a health insurance policy, you will have access to primary care physicians and medications needed to keep you healthy.

Major Medical Attention

Additionally, you will want to have health insurance to have access to major medical care. If you were to get into an accident or suffer from a serious illness, your medical expenses could be significant. With health insurance, you will be able to get this care at a much lower rate.

Required by Law

Additionally, in today’s environment, you will want to have health insurance so you can stay in compliance with the law. For the past few years, all people are required to have health insurance. If you do not have health insurance, you could face some penalization. 

When you are looking for health insurance in the Burlington, NC area, you should call the team at Don Allred Insurance. When you are looking for a new health insurance policy, there are a lot of options that you will have to choose from. To ensure that you know and understand your options, you should call Don Allred Insurance immediately. The team here will help you to evaluate your health insurance needs to make sure you get into the best policy possible. 

Choosing a beneficiary is an important step in the life insurance process. Your beneficiary is the person or organization that will receive the benefits of your policy upon your demise. If you’re not sure how to choose a beneficiary, these tips from Don Allred Insurance can help you make wise choices. 

Who Needs Your Financial Support Most?

When considering a beneficiary, ask yourself – who needs your financial support? If you’re married and have a family, your spouse and children would be the most appropriate choices for beneficiaries as life benefits can help replace your salary in providing financial support after you’re gone. As the main breadwinner in the family, your wages will be sorely missed by your spouse upon your demise. Life benefits will enable your spouse to pay the bills, care for your children, and continue the lifestyle they’re used to after you’re gone.

If you’re single with no children, you may want to choose your aging parents or younger siblings as beneficiaries, especially if you’re helping them financially now. Life benefits will enable you to continue future support to help with your parents’ retirement or siblings’ college. Singles with no dependents may have a favorite charity in Burlington NC or community project they want to help with financial support. 

One or More Than One Beneficiary?

You can choose multiple beneficiaries in Burlington, NC, if you want, and specify how to divide the benefits between them. This gives you an opportunity to help various people after you’re gone.

Establishing a Trust

If you want to leave life benefits to minor children, you can put them in a trust. You’ll have to designate a responsible individual to manage this trust until your children are of age to receive these funds.  

For more help in choosing a beneficiary, talk to your Don Allred Insurance agent today.