In honor of the soldiers who have given their lives for our country

Huggins Family Insurance Suggests going to see Shrek! I hear it is wonderful!!!

Is this the day you give us the chance to save you money on your insurance!
1-702-616-8384
Thanks for looking
Chris

If you think you are paying too much for your auto insurance you probably are. Give my insurance agency a call at 1-702-616-8384 to give you a Good Hands Check Up. We are very educated and always here to help you save money.

Make this a great day with your family. Do something that everyone can have fun doing.  I suggest going to the strip to swim at Casers Palace.

Always make it  a great day!

A client just called me and told me that rental car companies are running clients credit to qualify for a rental car. This is the kicker you better have a credit score of 675 or you will not be getting a car. If you want to know the name of the rental car company leave a comment with your email and I will gladly email the name.

Chris

Huggins Family Insurance

Life Insurance Coverage Comparison in the 25 Largest Cities
If you live in Atlanta there is good news - you, along with your fellow residents, are among the most protected when it comes to your life insurance coverage. But if you call Los Angeles home, your life insurance coverage, along with many of your fellow residents, is most likely not sufficient to protect your families. These are among the key findings from a recent Allstate survey that ranked 25 of the most populated cities on life insurance coverage and its adequacy.

The Allstate survey, administered by LIMRA International, the leading marketing organization for the life insurance industry, uncovered: The type of life insurance policies people own group life insurance policies offered by an employer; individual life policies purchased outside of a group life insurance policy; if respondents own both type of policies or neither.

• How many members of respondent’s household own an individual life insurance policy,
  The amount of individual life insurance coverage survey respondents have as a multiple of household income.
• The survey also revealed several disparities among four U.S. regions (Northeast, Midwest, South and West).

According to Casey Sylla, president, Allstate Financial, survey respondents in all 25 cities do not have a rule of thumb recommended amount of life insurance coverage, which is seven times an individual’s income, although individual circumstances should be taken into account when estimating actual life insurance coverage needs. “We believe this survey will help us delve into the potential inadequacies of American’s life insurance coverage,” explained Sylla. “It’s important for Americans to have enough life insurance so that they, and their loved ones, can be on the path to a solid financial future.”

Top 10 Markets
According to the survey, Atlanta, which ranked in the top five on all three key measures studied: any form of life insurance, existence of an individual life insurance policy in the household and the amount of coverage times their average annual income; is the savviest metropolitan area in the country when it comes to life insurance.  Nearly eight in 10 Atlantans have some form of life insurance, including approximately six in 10 who have at least one individual life insurance policy in their household. 

Cities that make up the top 10 (by the 25 largest metropolitan statistical areas (MSA), include:

1.   Atlanta–Sandy Spring–Marietta
2.   San Diego –Carlsbad –San Marcos
3.   Minneapolis–St. Paul– Bloomington
4.   Denver–Aurora
5.   Riverside–San Bernardino–Ontario, Calif.
6.   Detroit–Warren–Livonia
7.   Phoenix–Mesa–Scottsdale
8.   Philadelphia–Camden–Wilmington
9.   Baltimore–Towson
10. Portland–Vancouver–Beaverton, Ore.

Bottom 10 Markets
On the opposite end of the life insurance spectrum, Los Angeles ranks last of all 25 markets studied. Nearly 40 percent of respondents in Los Angeles lack any life insurance coverage (group or individual) and for those who do have life insurance, they too are not near the seven times rule of thumb amount–for example, Los Angeles residents have only 3.9 times their average income of life insurance coverage.

MSAs at the bottom of the list are:
16. Washington D.C –Arlington–Alexandria
17. Pittsburgh
18. St. Louis
19. Dallas–Fort Worth–Arlington
20. San Francisco–Oakland–Fremont
21. Houston–Baytown–Sugar Land
22. Boston–Cambridge–Quincy
23. Seattle–Tacoma–Bellevue
24. Miami–Fort Lauderdale–Miami Beach
25. Los Angeles–Long Beach–Santa Ana

In addition, a few contradictions in survey findings emerged among cities ranked near the bottom of the survey results. For example, St. Louis ranked the highest overall as having “some” form of life insurance, yet survey respondents reported an average life insurance coverage amount of only three times their income, meaning they might be inadequately financially prepared. Similarly, Pittsburgh lands at the top of the list for reporting owning an individual life insurance policy (almost 65 percent), yet ranks lowest on the list in terms of coverage as a multiple of their income (only 3.0).

Key Differences Across the Nation
National results of the survey showed that overall, 74 percent of survey respondents have some form of life insurance, whether it’s a policy through their employer (group life insurance), or they have an individual life insurance policy they purchased outside of/or in addition to, a group life policy. Specifically, 54 percent of all survey respondents have group life insurance through their employer, and 53 percent of all survey respondents own at least one individual life insurance policy.

Of all survey respondents, 29 percent review their life insurance coverage on a yearly basis, however 37 percent of survey respondents “never” review their life insurance coverage against their current situation.

Westerners, on the other hand, carry the highest amount of individual life insurance, with an average policy amount reported at $258,000, or 4.6 times their average income.

When People Purchase Life Insurance
Respondents rank “first full-time job” (32 percent), “having or adopting a child” (32 percent) and “getting married” (28 percent), as the most important times to purchase life insurance, according to the Allstate survey. On the other hand, only eight percent of respondents cited “purchasing a home” as the most important time to purchase life insurance, suggesting that many may not recognize the importance of being able to provide monies to family in the event of a death. Adequate life insurance coverage could help cover expenses associated with mortgage payments, taxes, as well as other needs.

Determining Adequate Life Insurance Coverage is an Ongoing Process
Although many factors go into formulating how much life insurance an individual or family may need, many people are either confused by life insurance basics, underestimate their life insurance needs or too often rely solely on group life insurance policies typically associated with employment benefits.

The survey also asked whether people feel they are adequately covered. Interestingly, markets where there are a higher percentage of people with individual life insurance policies (vs. just group life insurance policies), including Pittsburgh and St. Louis, “felt” most adequately covered by their life insurance.

LIMRA International, the leading organization for the life insurance industry administered The Allstate study. LIMRA polled a random sample of 6,265 adults in the 25 largest metropolitan statistical areas (MSA) in July 2004.  Within each MSA, the results have a margin of error of plus or minus 5 percentage points at a 90 percent confidence level. The survey questioned people on what type of coverage they had, the value, how often and at what occasions they review their coverage and how prepared they felt.  More details of the Top 25 markets are available in the executive summary.

The Allstate survey is one example of many industry-wide consumer awareness efforts conducted during September’s Life Insurance Awareness Month.

The material contained in this Web site is applicable only in the state of Nevada. This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers property and casualty insurance, life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, and mutual funds are available only through securities licensed representatives and sales material must be accompanied by a prospectus. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, and Allstate Fire & Casualty Insurance Company: Home Offices, Northbrook, IL. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL. Securities products, including variable annuities, variable life insurance, mutual funds and 529 plans, are offered by Allstate Personal Financial Representatives at FINRA registered branch offices of Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84^th Street, Lincoln, NE 68506. (877) 525-5727.

Huggins Family Insurance grows every year by people like you referring your family and friends. We always treat people like family and our name says it all..

Thank you

Chris Huggins

For every referred client we get from you will get a wonderful gift sent to you.

If you don’t have Life Insurance please give my office a call at 616-8384 and ask for Chris. Don’t leave your family helpless if something happens to you.

Huggins Family Insurance

Las Vegas, Nv 89131

Coverage Options

There’s no way around it: Anytime you’re on the road, there’s a chance you might get injured. One of the most important things you can do is make sure your motorcycle insurance coverage can help with medical bills if you should get into an accident.

Medical Payments

Medical Payments typically covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers. Some examples of expenses that might be covered include ambulance, hospital, x-ray, dental, and surgical.

Personal Injury Protection

If you’re hurt in an accident, or worse, expenses could add up faster than you imagine. That’s where this coverage can help, with reimbursements for:

• Medical and hospital expenses
• Lost income
• Services you would normally do yourself
• Funeral expenses
• Child care expenses

You’re typically covered regardless of who was at fault. Personal Injury Protection is only available in certain states.

Take care of your bike and it’ll take care of you, right? There are three kinds of motorcycle insurance coverage that typically help get your bike back on the road.

Collision

A collision almost always means damage to your motorcycle. And that’s just what this coverage is for.

It typically covers damages to your motorcycle that result from a collision with another object, which could include another car or motorcycle, a tree, or a building.

Comprehensive

It doesn’t always take two vehicles to make an accident. Comprehensive Coverage typically covers your bike if it’s damaged by:

• Flooding
• Wind
• Vandalism
• Theft
• Some other reason that doesn’t involve a crash with another vehicle

You get to choose the amount of your deductible (the amount you pay before eligible coverage kicks in). Comprehensive Coverage typically covers the cost of repairing or replacing your bike, up to the actual cash value.

Uninsured/Underinsured Motorist Bodily Injury

If an accident isn’t your fault, you don’t want to pay for the other guy’s mistake. Especially if he doesn’t have enough insurance coverage or any at all. This coverage typically covers damages that result from the injury or death of you or a passenger on your motorcycle caused by an uninsured or underinsured driver. Different states have different requirements for which coverage to have and how much.

If you’re in an accident, there’s a good chance someone else was involved. And if you’re at fault, you’ll want strong motorcycle liability insurance. 

Property Damage Liability

If you’re at fault in an accident and cause damage to others’ property, Property Damage Liability Coverage typically covers damages that result from the damage to another person’s property when you are at fault. Some of the things you may be liable for include vehicles, private residences, and storefronts and other structures.

Bodily Injury Liability*

If you’re at fault in a crash, it might be your responsibility to cover the medical bills for your passenger or the other driver. In a case like that, Bodily Injury Liability typically covers damages that result from the injury or death of another driver or a guest passenger on your motorcycle when you are at fault.

Some of the things you may be liable for include medical expenses, lost wages, and pain and suffering. (In most states, bodily injury to guest passengers on your motorcycle is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to guest passengers.)

*In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.

Huggins Family Insurance

1-702-616-8384

Ask for Chris or Adelle