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State Insurance Solutions offers a unique Life Insurance Policy to give you advantages that are hardly available with policies offered by other insurance companies. The advantages include:

We offer a level premium policy.

This means that the premium paid remains the same for the duration of the policy term. We do not offer the ‘annually renewable’ policy because its premiums tend to increase as the person ages. Our policy ensures that you will continually afford the policy even years down the road.

Your life insurance can have more than one beneficiary.

State Insurance Solutions offers the possibility of listing both primary and contingent beneficiaries. For example, if you list your spouse as the primary beneficiary and a sibling as the contingent beneficiary, the sibling will only access the benefit if your spouse dies before the benefits are paid.

It is easy to pay, and our policy gives you best value for your money.

Our life insurance policy provides great value to our customers because we provide the coverage you need, when you need it and at a great price. We do not charge unnecessary costs. You just have to pick a term length and the coverage amount you need. Once you begin paying your monthly premiums, you are covered for the specified term length.

We offer an Accelerated Death Benefit.

This feature allows the insured to access a portion of their life insurance policy money in case he or she is diagnosed with a terminal illness and is expected to die within 12-24 months. This will help you get your affairs in order such as paying your medical bills and any other expenses.

State Insurance Solutions located in Arlington, TX is here to guide you in case you have any questions on life insurance. Feel free to contact us on our website or give us a call.

 

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If you run a home business, you may need extra insurance coverage to protect your business interests. Your homeowner’s insurance may cover some aspects of your business while leaving you unprotected for others. By exploring business insurance options with your State Insurance Solutions agent, you can ensure your home business in Arlington, TX gets the protection it needs. Here are a few reasons to consider business insurance for your home business.

Protection of Business Equipment and Inventory

Homeowner’s insurance generally doesn’t cover repair or replacement costs of expensive office equipment or tools used in a home business. Without proper insurance coverage, you may have to replace this equipment yourself in the event of fire, flood or other catastrophes. In like manner, an unforeseen peril can result in loss of commercial goods stored on your property. A business owner’s policy will protect all aspects of your business to include damage or loss of business equipment and inventory that’s essential to your home enterprise. 

Protection against Liability

If your business requires that business contacts or customers come to your home, you could be liable for work-related accidents that may occur while they are on your premises. An unforeseen lawsuit or liability claim can easily put you out of business. Business liability coverage will protect you against injuries sustained by third parties visiting your home for business purposes.  

Protection for Business Data

A business owner’s policy will protect your assets in the event of a digital security breach or technology failure that can cause loss of income or result in a lawsuit.

When it comes to protecting a home business, it’s better to be safe than sorry. For greater insight into personalized business insurance options for your home-based business, contact a State Insurance Solutions agent in Arlington, TX today.

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Your home means a lot to you and your family. It’s the place you eat and rest. It’s also the place where you share laughs. However, a lawsuit or disaster may interfere with the plans you have for your home in the future. Because you have to plan for the future, you need to choose a homeowner’s insurance company you can depend on and who will be with you in the long run, and we can be that company. 

1. We Offer Extensive Coverage

Not all coverage is created equal. You need to have a policy that covers everything that could happen to your home. We offer a variety of insurance options and extras to ensure you get the coverage you need and want.

2. We Offer a Variety of Types

We don’t just cover homes; we also cover condos. We have special insurance policies for vacation and secondary homes. If you rent out a home, we have insurance policies that will cover damage that occurred from the tenants. We cover your residence even if you don’t own it with our renter’s insurance policies.

3. Friendly Staff 

Far too often, the staff who you have to deal with at a company doesn’t help you. You might feel confused about your policy with no one to turn to. However, when you contact any one of our staff members, you’ll get a personalized experience. All of your questions will be addressed by a knowledgeable representative. 

4. Affordable Options

The policies we offer are affordable. The reality is you need insurance, and if you can’t obtain it, you may have legal or financial problems as a result. Our policies range in price, so you can find one that meets your needs and prevents the unwanted consequences of no insurance. 

To open a policy or get a quote, contact us today at State Insurance Solutions, serving Arlington, TX, at 817-459-2590.

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Deciding who to buy your auto insurance from is a big decision. However, before you can even pick a company to work with, you need to decide whether you are going to work with an auto insurance broker or an auto insurance agent.

An auto insurance agent works with a specific auto insurance company. They present you the plans that are offered by their employer. An auto broker works for you. They can pull plans from a wide variety of companies, not just one, presenting you plans from various auto insurance companies.

There are many benefits to using an auto insurance broker over an auto insurance agent. Most agents are loyal to the person who signs their paycheck. They make their money selling you a policy through their employer, regardless of whether it is the best one for you or not. A broker makes their money by selling you plans as well. However, they make their money from you buying any plan. As such, they are loyal to you, not an insurance company. What this means for you is that most auto insurance brokers can help you find the best possible policy for you, regardless of what insurance company the plan is with. This ultimately means that the policy may be better for you than a policy that an auto insurance agent comes up with for you.

There are many benefits to using an auto insurance broker. If you are ready to try one out, State Insurance Solutions, serving the greater Arlington, TX area, would love to help you. Give us a call today for a free quote or to get answers to any lingering questions you may have about auto insurance brokers.

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At State Insurance Solutions in Arlington, TX, they know firsthand how tragic a drunk driving accident can be. Not only does it result in your license being revoked and having to have SR22 insurance, but it also can end in the death of a loved one for you or someone else. It is estimated that around 28 people die every day in the United States alone because of drunk driving accidents. Many people don’t realize that there are hidden effects that you can’t see that your drinking is causing. Some of these are just as detrimental to your health as getting behind the wheel. 

Hormones and Sexual Functions

Many people don’t realize that drinking alters several of your hormone functions, including testosterone. While it might not seem like that big of a deal on a drunk Saturday night, it can have long-term effects. These include impotence for some men. 

Risk of Serious Injury

There is more to fear than getting in an accident while drinking when it comes to injuries. Studies show that every drink you take increases your chances of getting injured, even in the comfort of your home. 

Your Insurance Will Skyrocket

At State Insurance Solutions in Arlington, TX, they know that drinking and driving lead to bills you can’t afford. First-time offenders don’t seem to realize the fines, license suspension, and insurance rates can put them in the poor house — not to mention the possible jail time. 

These are just a few of the hidden effects that drinking and drinking and driving can have on you and your bank account. Think twice before you drink and drive. Next time just might be your last. Contact us today to meet all your insurance needs. Agents are standing by to assist you. 

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Arlington, TX has some great homes, and protecting them is just one of the ways that people show they care about what happens to their property. Instead of seeing your premium as just another bill, it’s time to start appreciating how it makes sure your investment doesn’t slip through your fingers. If you don’t know very much about home insurance, though, it’s likely time to give it a little more thought. 

Considerations and Plans: Whatever you do with your home insurance, it’s important to understand it first. This means taking yourself through different events that may occur on your property. If you choose not to buy insurance in case of flooding, for example, you should have a financial plan of what you’re going to do to fix the damage and replace what’s been lost. This is the best advice you’ll get because it forces you to map out what your finances will look like when things are at their worst. Most people can’t handle these types of bills, and therefore need comprehensive coverage in order to keep their property. 

Threats and Time: State Insurance Solutions wants the people of Arlington, TX to keep their heads up no matter what happens to them. Whether it’s vandals or just a very excitable pet, there’s a lot that can happen that causes homeowners to bear financial hardships that they wouldn’t have had to had they had the right home insurance. When you call State Insurance Solutions, you can speak with people who understand the entirety of home insurance. The more personal advice you get, the likelier it is you’ll have someone to call when something does go wrong. For more information about our rates or our services, please give us a call to chat with our staff!

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Your home insurance premium is how much you pay, and your policy is what lays out the terms of your insurance. Between these two factors, you’re obviously trying to get as much coverage for as low of a premium as possible. When it comes to reconciling your policy with your premium in Arlington, TX, keep  these tips in mind from the helpful people at State Insurance Solutions. 

Understanding Home Insurance Over Time 

Your monthly budget is likely what’s on your mind more than your long-term future savings. Most people need to be able to pay their bills today, after all. But if you’re opting for the cheapest coverage, you may be doing you and your family a major disservice. The truth is that storms and random acts of violence can end up costing you far more over time if you have to fix the damage yourself. Repairs and replacements add up fast, and can quickly exceed the extra money you saved on your monthly premium. 

Better Safe Than Sorry 

These oft-repeated words should still have meaning to everyone, and they certainly still mean a lot to everyone here at State Insurance Solutions. For years, we’ve helped Arlington, TX neighbors save their homes from decay. By offering policies for people that fit their lifestyles, we aim to save people money on everything they don’t want. For instance, if your home is full of IKEA furniture that you don’t mind replacing in the event of damage, we won’t sell you on an expensive policy to cover your belongings. However, we may point out that you have more to protect than you think. Whatever you decide on, get the information and the confidence to feel good about your policy! Call us today for more information!

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Your auto insurance policy is something that changes and evolves with the needs of the driver. There are some drivers that can have the same policy for their entire life and never need to adjust and then there are others that need to adjust far more often. Keeping this in mind, those that live in the Arlington TX area can contact the agents at State Insurance Solutions for more information.

For many that have children, the eventuality that they will need to add their children to their policy is always there. You can of course add drivers to your auto insurance policy at any time and you can also remove them. There are some stipulations however to prevent people from adding random strangers to their policy in an effort to get lower premiums. You must have a personal stake in the car that is on your policy or the person must live with you.

This means that parents can add their children to their policy or you can add your name to the car that you want to add in order to qualify it to be added to your insurance policy. Adding cars is a great way to get discounts on your premiums and to help reduce your monthly costs. You can also add drivers without adding a car by simply listing them as alternative drivers on the car that is being insured on the policy. This is a great way again to get discounts and to make sure that you do not have to add two or three cars to your policy when you only need to add a driver.

If you live in the Arlington, TX area and you want to know more about who you can add to your auto insurance policy or if you want to add drivers, you can always contact the agents with State Insurance Solutions.  

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Winters in Arlington, TX include freezing temperatures and even the occasional snow. When there is ice on the road, it is best to avoid it. Delay your drive until the road conditions improve if that is at all possible. However, despite your best effort to avoid this type of driving condition, there may be times when you find yourself on an icy road. At State Insurance Solutions, while we advise against driving on ice, we also want you to know what to do should you encounter it on the road.

Safety Precautions to Take on Ice Roads

First, take it slow. Driving fast through the ice will not get you out of the situation quicker. In fact, it can make matters worse. When you travel at high speeds on icy roads, you are putting yourself, your passengers, and even other drivers at risk. Don’t go over 45 miles per hour on an icy road, not even a highway.

Secondly, if you must brake, do not press down hard on the brakes because this may cause your car to slide and get out of control. If you do begin sliding, the safest thing to do is turn you wheel in the direction that the car’s back side is sliding to regain control.

What to Do if an Accident Happens

In the unfortunate event that you are involved in an accident, try to move your vehicle to a safe place if possible and don’t get out of it until help arrives. Accidents on icy roads often happen in multiples and another car could lose control after the initial accident and hit you. Remain calm and give your agent at State Insurance Solutions of Arlington, TX a call as soon as possible. We are here to help.

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Raising kids is the greatest calling, but no matter how amazing you are as a parent, you can’t keep a watchful eye on them 100 percent of the time. If you want to avoid some of the biggest home dangers for kids in Arlington, TX, take a look at the simple guide compiled from research by State Insurance Solutions.

Hazardous Materials

You know the general list. Cleaning supplies and medication should be locked up and out of reach of the kids. You can add sharp and heavy tools to this list as well. Any childproof cabinets, lock boxes or similar safety measures work equally well for both types of danger. In fact, locking toolboxes can be an excellent place to store some of your cleaning supplies, provided it stays at room temperature and you keep track of the key. Mostly, the rule is simple: if you can get into without a specialized tool (like a key or safety latch), the kids can too.

Choking and Suffocating

Wow. This list looks pretty scary. As sad as it is, these are the leading causes of death for children under the age of five. Fortunately, you can take effective measures to avoid this tragedy. First, and most obvious, is to secure your pool if you have one. If it can’t be secured, drown-proof covers go a long way. Outside of swimming pools, there are still some hazards to manage. Any source of water, from scrub buckets to toilets, should be emptied when not in use or secured when possible. Aside from water, make sure anything small enough to fit in a mouth is never left in the open, and always ensure that your kids are eating the appropriate foods for their age.

Falls

If your kids are past infancy, you’ve already made it past the bulk of perils on this list. Unfortunately, falls are a big issue for kids (and even adults). The first step is to keep windows and doors secured. It reduces places where kids can climb and fall. Also, until the kids are big enough, keep the staircases barricaded. If you make sure appliances, furniture and other heavy objects, like TVs, are properly secured, you’ll mitigate the bulk of falling risks.

The final step of preparedness is to know what options you have to get your kids help when they need it. Talk to your State Insurance Solutions agent to make sure they’re protected, and you can live your Arlington, TX, lifestyle with a little more peace of mind.