Frequently Asked Questions

You can lower your auto insurance premium by maintaining a clean driving record, bundling with other policies like home insurance, increasing your deductible, taking a defensive driving course, installing safety features in your vehicle, and ensuring you're receiving all eligible discounts such as good student, multi-car, or loyalty discounts.

Roadside assistance is typically offered as an optional add-on to your auto policy. It provides services like towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance. Adding this coverage is affordable and can provide peace of mind during unexpected vehicle emergencies.

An HMO (Health Maintenance Organization) requires you to choose a primary care physician and get referrals to see specialists, and generally only covers in-network care. A PPO (Preferred Provider Organization) offers more flexibility—you can see specialists without referrals and receive partial coverage for out-of-network providers, though at a higher cost.

Yes, most health insurance plans, including those under the Affordable Care Act, cover preventive services like annual check-ups, vaccinations, cancer screenings, and wellness visits at no additional cost to you, even before you meet your deductible.

Yes, you can typically add your spouse, domestic partner, and dependent children (usually up to age 26) to your individual or employer-sponsored health plan. Changes can be made during open enrollment or within 30–60 days of a qualifying life event like marriage, birth, or adoption.

A standard home insurance policy covers the structure of your home, other structures (like a garage or shed), personal belongings, liability protection (for injuries or property damage you cause to others), and additional living expenses if your home becomes uninhabitable due to a covered loss such as fire or storm damage.

Standard home insurance policies do not cover flood or earthquake damage. Separate policies or endorsements are required for these perils. We recommend evaluating your risk based on your location and considering additional coverage if you live in a high-risk area.

Your premium is based on factors including your home’s location, age, construction type, roof condition, proximity to fire services, claim history, credit-based insurance score (where permitted), and the amount of coverage you select. Upgrades like security systems or fire-resistant materials may qualify for discounts.

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays a death benefit if you pass away during the term. Whole life insurance offers lifelong coverage and includes a cash value component that grows over time, which you can borrow against or withdraw.

A common guideline is to have coverage equal to 10–15 times your annual income, but your specific needs depend on factors like outstanding debts, mortgage balance, children’s education costs, and future financial goals. Our advisors can help you calculate a personalized amount.

Yes, you can typically change your beneficiary at any time by contacting your insurance provider or updating your policy online. It’s a good practice to review and update your beneficiaries after major life events like marriage, divorce, or the birth of a child.

Final expense insurance (also called burial or funeral insurance) is a type of whole life policy designed to cover end-of-life costs such as funeral services, burial or cremation, medical bills, and other outstanding debts. It provides peace of mind by ensuring your loved ones aren’t burdened with these expenses.

Most final expense policies do not require a medical exam. Instead, they use simplified underwriting, which involves answering a few health-related questions. Some guaranteed issue policies require no health questions at all, though they may have a waiting period for full benefits.

Most final expense policies range from $5,000 to $25,000 in coverage, which is usually sufficient to cover funeral costs, medical bills, and small debts. Premiums are fixed and affordable, often starting under $50 per month depending on age and health.

You can reach our customer service team 24/7 through multiple channels: call us at +1 (415) 406-7670, email us at [email protected]. Our customer service representatives are available around the clock to assist with questions, policy changes, claims, and any other insurance needs you may have.