Smart Coverage Blog: Your guide to Auto, Home and Life Insurance.

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers both a death benefit and a cash value component tied to the performance of a stock market index. This flexible policy allows policyholders to potentially grow their cash value while providing lifelong coverage and tax advantages.

So you just started a business and need to select a commercial insurance plan. But how do you know what kind of commercial insurance to pick?

Life insurance will guarantee financial security for your family in the event that you are no longer with them. This can be a daunting and difficult decision to make, and shopping around for the right coverage presents its own set of factors to consider. Luckily, you don’t have to look alone. 

The search for a comprehensive health insurance plan that covers all of your needs can be long and strenuous. Unfortunately, those who do not meticulously compare various insurance policies may not get the coverage they need in the event of a medical emergency. In Georgia, health insurance brokers know how stressful it can be when you are forced to pay expensive medical bills out of pocket.

Driving Under the Influence (DUI) charges can be incredibly expensive and have drastic impacts on numerous aspects of an individual’s life. Between disruptions in employment, potentially losing the ability to drive, and all of the costly court fees and classes to pay for, restructuring your life after being charged can seem overwhelming.

While purchasing an insurance policy might not be the most exciting aspect of running your Atlanta-based business, it's certainly an important one. Having the right plan protects you and your company from liability risks, compliance breaches, and costly expenses that hurt your bottom line.

Health insurance is an important part of the benefits package an employer can offer. In fact, it’s not uncommon for employees to hold a job for the health insurance benefits alone. At Stellar Insurance, we understand this.

Anytime you’re buying insurance you want to try to find the perfect balance between coverage and cost. You already know that the more coverage you have, the more you’re going to pay. Conversely, if you try to save too much money, you could miss out on the necessary coverage that you eventually need.

Getting insurance coverage for your business isn’t the most exciting part of being an entrepreneur. But commercial insurance brokers want you to know that it’s essential to be active in reading and selecting your coverage for your business.