How long have you owned your car? Like anything else, your auto insurance policy is something you should review regularly. Let us do some legwork to help you compare options on the best policy at the best price – we even have options for coverage of boats, motorcycles and recreational vehicles that can be difficult to insure. Get started today.
Since many autos depreciate in value quickly, it’s not uncommon to have a loan balance that exceeds the vehicle’s book value. If your car is stolen or totaled in an accident, your auto insurance settlement may not cover the full amount of the loan. Guaranteed Asset Protection is protection against the gap between what your vehicle insurance will pay and what you owe on your loan.*
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Home is where you make memories, so make sure you have the policy you need when protection matters most. Review your homeowners insurance policy regularly to make sure you have enough coverage for the upgrades you make or the items in your home. Consider renters insurance if you don't own your home to protect your valuables. We've been able to provide quotes for members looking to switch both their auto and homeowners insurance that saves an average of $500 a year. What could you do with an extra $500?
CAP COM Insurance Services can help you with a broad range of coverage options, including:
For more information, call (518) 641-6979 or (866) 923-6428.
No one likes to think about needing life insurance, but the reality is, forty percent of households with minor children would have trouble with living expenses if a primary wage earner were to die.* Choosing the right life insurance product can give you confidence that your family is protected.
Term Life Insurance is designed to provide protection for a specified period of time, typically five, ten, twenty or thirty years.
Whole Life Insurance offers coverage for your entire life, unlike Term Life Insurance, and it may accumulate cash value over time, which may be accessible in the form of loans or withdrawals. The premiums are typically guaranteed to remain the same throughout your lifetime.
Guaranteed Issue Life Insurance offers individuals who may be rated high-risk or otherwise have difficulty obtaining permanent, whole life coverage. Individual policies may vary and benefits may be limited during the first few years of the policy.
To enjoy a long and fulfilling life, it’s important to maintain good health supported by ample healthcare coverage. Original Medicare, managed by the federal government, covers some of your healthcare costs, but not everything you may need. If you qualify for Medicare, you can purchase additional coverage with either a Medicare Supplement Insurance plan or Medicare Advantage Plan. Sit down with us to understand your Medicare options, so you can make the right choices. To schedule your appointment*, click the button below or call (800) 688-1045.
Twelve million Americans over the age of 65 are expected to need long-term care in 2020. [Source: www.longtermcare.gov] The cost of long-term care services and the complexity of needs can wreak havoc on family finances. Long-term care (LTC) insurance can ease the financial burden of nursing home or in-home services, which are often necessary as we age.
Your commercial insurance needs are much different than that of your home or car. Our team of experts can help you find the right products to protect your hard work – so you can focus on growing your business. Let us help you compare customized packages of coverage to find the right protect ion for your investments and your budget.
To make sure your whole family is covered, don’t forget pet insurance! Often overlooked, this coverage helps gives you peace of mind, so you can make sure the animals you love receive high-quality health care. By helping to cover just one major injury or illness in your cat or dog’s life, the policy could pay for itself.
Choosing MEMBER’S CHOICE® Credit Life and Credit Disability insurance coverage for your loans and credit cards may help make a covered loan payment, which helps create a financial safety-net for you and your loved ones should you encounter unforeseen financial difficulty due to total disability or death.
Fixed annuities can provide a fixed rate of return, along with the benefit of tax-deferred growth. They can also be used to make a regular payment to the annuity owner for a fixed period of time. The predictability of a fixed payout helps make annuities a popular choice for those who want a defined income stream in retirement. Guarantees are based on the claims-paying ability of the issuing company.
In order to ensure that your heirs receive the full value of your estate, careful planning is essential. A responsible estate plan can save your family the stress of administering your estate, as well as any unnecessary fees, taxes or delays. We will develop your estate plan in conjunction with the legal counsel of one of our strategic partners or we can work in unison with your own attorney to design your plan.
Coverage | Rate |
---|---|
Single Life Insurance | $0.52 per $1,000 per month |
Joint Life Insurance | $0.82 per $1,000 per month |
Single Disability Insurance | $1.24 per $1,000 per month |
Joint Disability Insurance | $2.36 per $1,000 per month |
Insurance Maximums | Disability | Life |
---|---|---|
Total Benefit Maximum | $30,000 per Loan | $55,000 per Loan |
Maximum Issue Age / Termination Age | 66 | 70 |
Maximum Monthly Disability Benefit | Scheduled Payment | N/A |
Coverage | Rate |
---|---|
Single Life Insurance | $0.49 per $1,000 per month |
Joint Life Insurance | $0.78 per $1,000 per month |
Single Disability Insurance | $1.24 per $1,000 per month |
Joint Disability Insurance | $2.36 per $1,000 per month |
Insurance Maximums | Disability | Life |
---|---|---|
Total Benefit Maximum | $75,000 per Loan | $100,000 per Loan |
Maximum Issue Age / Termination Age | 66 | 70 |
Maximum Monthly Disability Benefit | $1,100 | N/A |
Coverage options available through CAP COM Insurance Services include:
For more information, call (518) 641-6979 or (866) 923-6428.