It can be emotionally difficult to come to terms with the fact that your parents are getting older, and even more difficult to have conversations with your parents about what will happen after they’re gone. Talking to your aging parents about life insurance choices can feel uncomfortable, but it’s worth it in the long run. Read on for three tips on how to make the conversation a little bit easier.
It’s important to remember that your parents have a wealth of life experience and are capable of making their own decisions. You may want to guide them in a certain direction when it comes to life insurance, but when all is said and done, the final decision is up to them. It’s ok to offer your ideas and suggestions, but this is not the time to start an argument.
It’s a good idea to include your siblings in this conversation with your parents. Before approaching mom and dad, have a talk with your brother(s) and/or sister(s) to see if you’re on the same page when it comes to life insurance- you don’t want any surprise disagreements to pop up.
Agree to Disagree
These conversations can be ongoing, and it’s ok if your parents don’t receive the conversation well the first time. It may be necessary to come back and try the conversation again another day.
Before discussing life insurance with your parents, it’s a good idea to know what the different options are. A qualified agent at THINK Insurance & Financial Services in Pomona, CA will be able to help you decide what type of life insurance policy makes the most sense for your parents.
It doesn’t matter if you run a restaurant or a manufacturing plant, having the right commercial insurance is essential. It can protect you in an assortment of potential situations, yet you can also tailor from your commercial insurance to opt into coverage you need without paying for features your business doesn’t require. THINK Insurance & Financial Services is able to provide you with the assistance your Pomona, CA business needs.
If you own the property, investing in property insurance is a must. However, even if you don’t own the physical plot of land or building, it does cover your tools, computers, and inventory, so depending on the kind of business you run, property insurance is important.
General Liability Insurance
If your goods or services cause any kind of harm or bodily damage to a customer, they can come after you. With general liability insurance you’ll have the additional coverage to pay for defense attorneys and damages, should it come to this.
Commercial Auto Insurance
Whether you use a large fleet or have a single vehicle used for work, you’ll need commercial auto insurance. Even if you use your own vehicle part-time, if you’re driving the vehicle for business you may need to look towards this insurance addition.
If you have employees you need to look towards worker’s compensation as a way of protecting both you and them in the event of an injury at work.
Regardless of the kind of company you run, you need to have the right kind of insurance. This can be difficult to select, which is why THINK Insurance & Financial Services is here to help every step of the way. Whether you’re in Pomona, CA or somewhere else in the region, contact THINK for your commercial insurance needs.