<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3366" src="https://wp-stg.zanderins.com/wp-content/uploads/92.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Whether you’re looking to cover your new teen driver or shopping around for a better <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance rate</a>, finding the best and most cost-efficient coverage can be time consuming. Providing your information every time you want to compare a rate is tedious, and you feel like your options are limited, but you don’t have the time to compare each insurance company’s cost.</p>
<p class="p1">By working with an Independent Insurance Agent – like Zander Insurance – you can shop around with numerous companies to find the right car insurance coverage at the right cost, with no hassle. Direct writers, like State Farm and Allstate, only represent one company and don’t have the ability to provide a wide range of pricing and coverage options. Independent Insurance Agencies work with numerous insurance providers and can help you find the best option for your unique needs. You can find a local independent insurance agent by checking with the Independent Insurance Agents association in your state or through a quick Google search. Next time you’re looking for a great rate on coverage keep your local independent agent in mind.</p>


Zander Insurance in Nashville Tennessee provides information on finding the best auto insurance rates who is endorsed by Dave Ramsey.

Finding The Best Auto Insurance Rates | Zander Insurance

How Do I Find the Best Rates on Auto Insurance?

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<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3180" src="https://wp-stg.zanderins.com/wp-content/uploads/28-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Why should I use Zander vs. other alternatives?</h2>
<p>Zander provides a balance of size, experience and commitment to excellent service that is unique in our industry. We are large enough to command the attention and accountability of the companies we represent, which helps assure that our clients receive the most competitive pricing and prompt attention to any issues that may arise. Our size, however, does not interfere with our effort to provide personalized service throughout our business relationship. Whether you have questions prior to applying, concerns during the application process, or need assistance once your policy is in effect, we are here to serve you!</p>
<h2>What type of policies are included in the proposals you sent me?</h2>
<p>Zander Insurance only provides quotes for level <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance coverage</a>. All products can be quoted on a 10, 15, 20, and 30-year basis, and the premiums are guaranteed for the duration you choose. While most of the policies are renewable to age 95, the annual premiums may increase significantly after the initial guaranteed period expires and, in addition, most of the policies are convertible to permanent life insurance policies. We present all policies for your review so you can determine the best option.</p>
<h2>I have never heard of the company recommended. Should I still consider their policy?</h2>
<p>All carriers that we represent are top quality carriers with AM Best ratings of A-, A, A+, or A++. These are considered to be “excellent” or “superior” ratings, and signify their strong ability to meet the ongoing obligations to policyholders. The ratings reflect the opinion of AM Best and are not implied warranties of the companies’ ability to meet their financial obligations. Though you may not be familiar with a company’s name, we have the greatest confidence in the carriers we recommend and are proud to represent them.</p>
<h2>Is price the only thing I should be concerned with?</h2>
<p>With term life insurance there is no cash value, dividends, loans, investment options, etc. to be concerned with. Look for a guaranteed level product from a carrier with strong financial ratings. Remember, when comparing an older policy to a new one, the number of additional years the premium is guaranteed into the future may represent an enhancement of value.</p>
<h2>How much coverage do I need?</h2>
<p>When determining the amount of coverage you should have, a review of your personal circumstances is necessary. A more simplified approach includes calculations based on a multiple of your income. A level generally recommended is ten to twelve times your income, though you could need less depending on your personal financial situation. Paying off your mortgage or other debts, savings in excess of your retirement plans, a spouse’s continued income, and having adult dependents are all circumstances that can help reduce the necessary amount of insurance your family may need. Don’t hesitate to contact us to talk more about your specific needs.</p>
<h2>Will I always receive the price quoted from the carrier I apply to?</h2>
<p>Not necessarily. Each company has certain underwriting guidelines that you must meet to qualify for the rate class at which you were quoted. The guidelines are similar with most companies, but certain carriers are more flexible than others, and have specific underwriting niches. The areas reviewed by the carrier include: medical history, height, weight, cholesterol, driving record, family history of heart disease/cancer, hazardous sports, etc. We make every effort to provide you the most accurate and realistic quote based on the personal details you provide at the time of the quote, whether it was via the web or through a call to one of our Zander Guides. If you do not receive the same rate you were quoted, the company will explain what factors changed the outcome and generally offer an alternative. You may accept it or decline it. There is no cost to you should you decide to decline.</p>
<h2>Is a medical exam required?</h2>
<p>A basic paramedical exam is required for most term life products, though there are some that do not based on the applicant’s age and the amount for which they apply. The exam is very simple and takes approximately 15-20 minutes. The examiner will typically request a blood and urine specimen, take your blood pressure and ask questions concerning your medical history. Examiners are not licensed insurance agents and are unable to assist with questions regarding your application. Please don’t hesitate to contact us with any questions or concerns.</p>
<h2>What payment plans are available?</h2>
<p>The premiums quoted are on an annual basis. Other premium options include monthly, quarterly, and semi-annually. Monthly payments can only be made via electronic fund transfer. Most companies charge an additional fee when premiums are paid more frequently than annually.</p>
<h2>How long does the application process take?</h2>
<p>Once we receive your application and the paramedical exam has been done, approvals typically occur 4-6 weeks. That timeframe can be longer if scheduling your medical exam is delayed or if medical records must be ordered from your doctor. Let us know of any special time limitations and never cancel your existing policy until you are approved and have reviewed your new policy.</p>
<h2>Are Zander and the insurance carriers presented licensed to do business in my state?</h2>
<p>Yes! Our rating program determines the best value available in your state, and Jeffrey J Zander is licensed in all states where business is conducted.</p>
<h2>Should I cancel my current coverage when I apply to one of the companies Zander represents?</h2>
<p>Absolutely not. Coverage is not in force until approved by the carrier, you accept the policy, and payment is made. You should not cancel your existing policy until your new policy has been activated. Please remember that if you are replacing an existing policy, the suicide and contestability periods of the new policy will still apply. Also, if you plan to discontinue a <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">cash value type policy</a>, you may incur surrender charges and/or have tax consequences. Your financial planner, legal counsel, or current insurance agent should be consulted.</p>
<h2>What is the quickest way to get my coverage in force?</h2>
<p>There are several things you can do to help expedite the application process. Using our website to apply helps reduce processing time. Be sure to include your email address, which helps us promptly contact you with any additional information requests. Also, a thorough explanation of all “yes” answers on your application, prompt scheduling of your paramedical exam, and a listing of the full name and address of all your physicians will help quicken the underwriting process.</p>
<h2>What is a conditional receipt?</h2>
<p>For those who want coverage in effect at the time of application, under certain limitations, companies will extend conditional coverage based on the terms outlined in their “conditional receipt.” The terms must be complied with prior to conditional coverage, so careful review is imperative if selecting this option. All conditional receipts maintain limits on the amount of coverage conditionally provided and the length of time it is in force. Those using this alternative typically have no other coverage in force and have an immediate need for some form of protection . . . even if limited.</p>
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Look at term life insurance frequently asked questions (FAQs) including pricing, policy and coverage options from Zander Insurance.

Term Life Insurance Frequently Asked Questions (FAQs)

Term Life Insurance : FAQs

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3388" src="https://wp-stg.zanderins.com/wp-content/uploads/99.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
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<p>Three out of every five Americans fail to purchase enough homeowners insurance<a href="https://www.consumerreports.org/homeowners-insurance/what-you-dont-know-about-homeowners-insurance-could-cost-you/" target="_blank" rel="noopener noreferrer">1</a>, and often because they don’t know how much they should really have. Figuring that out can be difficult, so we have broken it down into the following categories: extended dwelling coverage; personal property; liability; and additional living expenses.</p>
<h3><strong>Dwelling Coverage</strong></h3>
<p>This is the “rebuild your home” part of your <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners insurance</a> policy. Give us a call for help determining local construction costs for the square footage on your home (deck, garage, and any other structure connected to your home should be included in this estimate). It’s important to run this estimate again every couple of years, particularly if there have been changes which could affect your replacement costs, such as:</p>
<ul>
<li>New building codes</li>
<li>Remodeling</li>
<li>Additional rooms/structures</li>
<li>Inflation</li>
<li>Old/unique features</li>
</ul>
<h3><strong>Personal Property Coverage</strong></h3>
<p>Take inventory of everything you own – this will include everything from furniture to appliances, electronics, clothing, and even food. Imagine that a natural disaster hits and wipes out your home. The cost to replace <em>everything </em>in it is the amount of personal property coverage you need. If you own particularly high-value items, ask your Zander Insurance agent if you need a separate policy for those items.</p>
<h3><strong>Liability</strong></h3>
<p>If someone gets hurt on your property, you need liability insurance to avoid paying for medical bills and lawsuits that may come your way. Dave Ramsey recommends between $300-500,000 in liability coverage. Keep in mind that many of these injuries are a result of interactions with family pets. Even if you <em>know </em>Fido would never hurt a fly, you should try to get coverage that applies to those incidents as well. Certain breeds of dogs (including Pit Bulls, Doberman Pinschers, Rottweilers, German Shepherds, Siberian Huskies, and a few others) are considered “high-risk” by some carriers. If you think your pet may fall into this category, mention it to your agent so we can help find a carrier that covers any possible mishaps.</p>
<h3><strong>Additional Living Expenses</strong></h3>
<p>With damage to the home often comes additional expenses (staying in hotels and eating out while your home is being rebuild, for instance). Most carriers will calculate your need as 20-30% of your dwelling coverage. If you anticipate this amount you would need being higher, ask your agent how to increase this coverage.</p>


Find out how much homeowners insurance do you need from Zander including dwelling and personal property coverage, liability and more.

How Much Homeowners Insurance Do You Need | Zander

How Much Homeowners Insurance Do You Need?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3312" src="https://wp-stg.zanderins.com/wp-content/uploads/77.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Finding ways to cut costs and save money is important – we get it. Saving people money is actually our job! One way you <em>shouldn’t </em>try to lower expenses, however, is by sacrificing insurance coverage that you really need. <a href="https://www.zanderins.com/disability-insurance/instant-quotes">Long-term disability</a> is one of the often-overlooked types of policies that you can’t afford to go without. Your ability to earn an income is your most valuable asset, and you need to protect it.</p>
<h2><strong>Why do I need disability insurance if I have workers’ comp?</strong></h2>
<p>You’re only eligible to receive <a href="https://www.zanderins.com/business-insurance/property-and-casualty/workers-compensation">workers’ compensation</a> if your illness or injury was the result of activities related to your job. The vast majority of cases, however, do <em>not </em>involve the workplace, meaning that these disabilities and illnesses are not covered! Think about it: if you were to have an accident that prevented you from working and it didn’t happen <em>on</em> the job, you would not be eligible for workers’ compensation.  How would you pay the bills or put food on the table? Dave Ramsey suggests purchasing a long-term disability policy no matter how healthy you are or how safe your job is. One in four people will experience a disabling event before retirement, so you’re far more likely to need this than you probably think.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>There are more than 51 million working adults without disability coverage. That’s a huge mistake!</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<div class="col-lg-2 my-auto text-sm-center text-md-center text-lg-left text-center"><img decoding="async" class="center-block" style="margin: 2rem;" src="https://wp-stg.zanderins.com/wp-content/uploads/Dave-Ramsey-circle.png" alt="Dave Ramsey Insurance" width="200" /></div>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>When it comes to laying out the specifics of a policy, the details can get confusing. Here are some general guidelines based on Dave Ramsey’s recommendations:</p>
<ul>
<li><strong>Long-Term vs. Short-Term:</strong> <em>Definitely </em>opt for a long-term policy; you should be able to cover any short-term disabilities with your emergency fund</li>
<li><strong>Coverage Amount:</strong> Choose a policy that covers 60-70% of your income.</li>
<li><strong>Benefit Period: </strong>Select a benefit period of at <em>least</em> five years (85% of cases are resolved within this timeframe), but preferably to age 65.</li>
<li><strong>Elimination Period: </strong>Get the longest elimination period you can afford; the average is 90 days but the cost of coverage reduces significantly if you can wait 180 days to start receiving disability benefits. Remember, your emergency fund should have enough in it to cover this amount of time.</li>
</ul>
<h2><strong>How do I get started?<br />
</strong></h2>
<p>Our Guides are here to answer any questions you may have and connect you with long-term disability coverage at a competitive price. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> to learn more.</p>


Find out can workers compensation replace disability insurance from Zander Insurance including how to get coverage and policy options.

Can Workers Compensation Replace Disability Insurance

Can Workers’ Comp Replace Disability Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3076" src="https://wp-stg.zanderins.com/wp-content/uploads/reliable-identity-theft-protection.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Selecting a dependable ID theft protection plan is essential for safeguarding your personal information.</span></p>
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<p>Below are key factors to consider when evaluating and choosing an identity theft protection service:</p>
<ol>
<li><strong>Identity Restoration Services</strong>: Look for services that offer help in case of identity theft, such as dedicated case managers, legal assistance, and direct assistance throughout the restoration process.</li>
<li><strong>24/7 Customer Support</strong>: Assess the quality of customer support provided by the service, as responsive assistance can be vital during identity theft incidents.</li>
<li><strong>Family Coverage</strong>: Identity theft poses a risk to the entire family, including children. Consider a family plan that is cost-effective and provides protection for everyone in the household.</li>
<li><strong>Financial Protection</strong>: Ensure that the coverage includes at least $1 million in stolen funds protection, as well as reimbursement for expenses like lost wages and legal fees incurred during the recovery process.</li>
<li><strong>Comprehensive Monitoring</strong>: Verify that the service offers thorough monitoring of your personal information from various sources, including social security numbers, home titles, and other public records, with real-time alerts for suspicious activities.</li>
<li><strong>Financial Account Monitoring</strong>: Make sure the service monitors your financial accounts for unusual transactions, allowing for quick detection of unauthorized access.</li>
<li><strong>Privacy and Security Measures</strong>: Confirm that the service uses strong privacy and security measures, such as encryption, secure data storage, VPN, and anti-virus software.</li>
<li><strong>Reviews and Reputation</strong>: Check reviews and testimonials from users to gauge the service&#8217;s reliability and effectiveness in assisting individuals dealing with identity theft.</li>
</ol>
<p>Before making your final decision, compare multiple identity theft protection services, review their features, and consider your specific needs and budget. For any inquiries about ID theft protection, contact Zander Insurance at <a href="tel:8003564282;">800-356-4282</a> or send us a message today!</p>


Having reliable identity theft protection is very important. Find out what this all entails from Zander Insurance and get protected today!

How do I choose a reliable identity theft protection service?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3406" src="https://wp-stg.zanderins.com/wp-content/uploads/2024-blog-header-images-2.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">Home title fraud occurs when a criminal scours electronic records to find a home that has accrued equity. The thief then forges the homeowner’s signature onto a fraudulent bill of sale and transfers legal ownership of the house to themselves. Once the home is in their name, they typically take out home equity loans and disappear, leaving the homeowner with the bill. The scariest part? Most people don’t find out that title theft has occurred until they receive a foreclosure notice in the mail.</span><span class="eop">  </span></p>
<h2><strong>What happens if I become a victim?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">The thief can use your home’s equity to take out personal loans in your name, and even sell your home without your knowledge.</span><span class="eop"> </span></p>
<h2><strong>Is there any way to prevent it?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">There is no guaranteed way to prevent home title fraud. If you do become a victim of this or any other fraud, it can take 600+ hours to resolve, and between legal fees and other expenses, can be very costly.</span><span class="eop"> </span></p>
<p>The best thing you can do to protect yourself is invest in a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">identity theft protection plan</a> that includes white glove restoration services. <span class="normaltextrun">Zander Identity Theft Solutions covers all types of identity theft, including home title fraud, meaning there is no need to pay for a costly plan that covers this separately. If you become a victim, our team will take over the work to ensure your identity is fully restored to its pre-theft status, and our plan will reimburse you for up to $1,000,000 in stolen funds and expenses.</span><span class="eop"> </span></p>


Find out details about how home title fraud can happen and what it is from Zander Insurance so an identity thief does not steal it.

How Does Home Title Fraud Happen | Zander Insurance

What is Home Title Fraud and is it Covered on Zander’s ID Theft Plan?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3310" src="https://wp-stg.zanderins.com/wp-content/uploads/75.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> isn’t for people who work in an office . . . right? The statistics say otherwise. It’s not on-the-job accidents that cause the majority of disabilities that prevent people from being able to work – it’s <em>illness!</em></p>
<p>Your emergency fund should be able to cover three months of expenses – but what if you are out of work longer than that? <strong>One in four people</strong> who are in their twenties today <strong>will be</strong> <strong>out of work for</strong> <strong>at least a year</strong> due to disability at some point in their lifetime. <em>That’s </em>something that most of us don’t have stashed away, which is why disability insurance is so important!</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Long-term disability is mandatory. You&#8217;ve got to get it.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>Dave Ramsey recommends purchasing a policy that will replace 60-70% of your income (you can reduce this amount over time as you pay down debt and build up savings). If a policy that lasts to age 65 is within your budget, that is the best option. Otherwise, Dave suggests opting for a policy with benefit period of at least five years. The reason for this is that 85% of disabilities are resolved within that timeframe, so you’re unlikely to need it beyond that point. He also suggests taking the longest elimination period within your budget and avoiding all the bells and whistles the insurance companies will try to sell you on.</p>
<h2><strong>How do I find a good policy?</strong></h2>
<p>Whether you work on a construction site or an office, disability insurance can be the difference that determines whether you’re able to continue paying bills and putting food on the table. At Zander, we’re committed to helping you find the right long-term disability policy for your needs. Get a free, instant quote at the link below or give us a call at <a href="tel:18003564282">1.800.356.4282</a> to protect your most valuable asset.</p>


Look at information about the need for disability insurance if you work in a non dangerous profession from Zander Insurance.

Disability Insurance Need For A Non Dangerous Profession

Do I Need Disability Insurance If I Don’t Work in a Dangerous Profession?

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3365" src="https://wp-stg.zanderins.com/wp-content/uploads/91.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">If your vehicle is on its last leg – or wheel – you may be wondering, “Do I really need to purchase comprehensive and collision insurance, or will liability insurance provide enough coverage?” While it may be tempting to drop the coverage without much thought, keep in mind that the greatest risk to your personal assets is usually operating a vehicle. How much are you saving by opting for liability insurance by itself? If the cost savings aren’t significant, and you don’t have enough savings to replace your vehicle if it was stolen, totaled or damaged then comprehensive and collision insurance is worth carrying.</p>
<p class="p1">Don’t leave yourself, and your income, at risk by failing to obtain the proper coverage. Zander Insurance can help you determine what type of coverage you need. Learn more about our auto and home offerings today.</p>


Learn about if you should carry comprehensive and collision on an older vehicle from Zander Insurance who is endorsed by Dave Ramsey.

Carrying Comprehensive and Collision On An Older Vehicle

Should I Carry Comprehensive and Collision on my Older Vehicle?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3275" src="https://wp-stg.zanderins.com/wp-content/uploads/57-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Congratulations! You’ve found the perfect property, and you’re well on your way to becoming a homeowner. Shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s insurance</a> doesn’t need to be a hassle, but when you go from company to company looking for the best rate, it can be frustrating and time consuming and leave you thinking, “Why can’t I just deal with one person whose sole interest is finding me the best rate possible?”</p>
<p class="p1">Zander Insurance – and other independent agencies across the country – represent numerous insurance providers and can help you shop around for the best coverage, at the best cost for you. Agents who work for companies like State Farm, Allstate, Farmers, Nationwide are called direct writers, and because they only represent one company, they’re limited in the pricing and coverage they offer. You can find a local independent insurance agency by checking with the Independent Insurance Agents association in your state or through a quick Google search.</p>


Get details on how to find the best home insurance rates from Zander Insurance in Nashville Tennessee who is endorsed by Dave Ramsey.

Finding The Best Home Insurance Rates | Zander Insurance

How Do I Find the Best Rates on Home Insurance?

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<p>If you’re reading this, you’re probably considering purchasing a life insurance policy. If so – congratulations! It’s one of the best ways to protect your family and will bring you peace of mind for years to come. Before you commit, though, you need to determine what type of policy is best for you: <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer"><strong>whole or term life</strong></a>?</p>
<h2><strong>Whole Life Insurance</strong></h2>
<p>The primary benefit of whole life insurance: your agent will receive a <em>big commission. </em>Good for them – but not so much for you. Whole life insurance is <strong>exponentially more expensive</strong> than term! The only real “benefit” to <em>you </em>is that a whole life insurance policy is permanent. That may sound enticing but, if you’re following the financial principles of Dave Ramsey (like we do), you shouldn’t <em>need</em> life insurance for your whole life! Think about it . . . in 20-30 years, will your family still be dependent on your income? Will you still have a mortgage payment?  Or will you have ample savings and an empty nest? If you’re not planning to be in debt for your whole life, then you don’t need whole life insurance, either.</p>
<p><strong>Overall, whole life insurance is a high-cost product with very little return on your investment.</strong></p>
<p>One of the biggest downfalls of whole life insurance is that it includes a “savings” aspect, which requires you to pay into the plan through exorbitant premiums. This is how cash value is built. You can borrow from the cash value, sure, but to do so would also require you to pay a penalty to withdraw that money – <em>your</em> money. When you die, however, your beneficiary receives only the face value of the plan. So what happens to the cash value you spent so much to build? The insurance company keeps it!</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Whole life insurance is one of the worst financial products in the world. It’s the payday lender of the middle class.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>Term Life Insurance</strong></h2>
<p>If you can’t tell already – term life insurance is the better deal. We feel so strongly about this, in fact, that it’s the only type of coverage that we quote!</p>
<p>One of the benefits of a term life insurance policy is that you can customize your term length and coverage amount, allowing you to plan around your personal financial journey.  Term life insurance is also <em>way </em>cheaper, saving you a boatload of money over cash-value plans and letting you put those savings toward more profitable and wise investments.<br />
</p>
<table id="tablePreview" class="table"></p>
<thead>
<tr>
<th scope="col"></th>
<th scope="col">Whole life policy</th>
<th scope="col">20-year term life policy</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Jack’s death benefit amount</strong>*<br />
(we recommend having life insurance coverage equal to 10 times your income)</td>
<td>$125,000</td>
<td>$400,000</td>
</tr>
<tr>
<td><strong>What’s Jack’s monthly premium?</strong></td>
<td>$100</td>
<td>$18 (and Jack invests $82 a month into a Roth IRA or mutual fund)</td>
</tr>
<tr>
<td><strong>Average made in investments after 20 years </strong>(by age 50)</td>
<td>$25,619</td>
<td>$61,994 (assuming a 10% return)</td>
</tr>
<tr>
<td><strong>Average made in investments</strong> (by age 70)</td>
<td>$66,268</td>
<td>$479,062</td>
</tr>
</tbody>
<p></table>
<p>You’re also far less likely to end your policy early (and put your family at risk in the process) with a term life insurance policy because it’s simple and reliable. Your policy is pure protection – not an account you can dip into. This is crucial! Term life insurance is just that: insurance. Your policy is to make sure your family is taken care of when you die and should <em>never </em>be used as a savings vehicle.</p>
<h2><strong>Your Next Step</strong></h2>
<p>Providing for your family’s financial future can come with a lot of pressure. Luckily, that’s why we’re here! Zander is an insurance <em>broker, </em>not an insurance <em>company. </em>That means we have no incentive to load you up with add-ons that are high in price and low on value. We work for <em>you. </em>With Zander, you pick your path. If you’re ready to get your free, instant term life insurance quote, click <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">here</a>. Prefer to talk to one of our Guides? Give us a call at 1.800.356.4282, and we will walk you through the application process and answer any questions you may have.</p>

Choosing between whole versus term life insurance can be a confusing process and at Zander we can help you navigate between the two.

Whole Versus Term Life Insurance – What Is Different

Whole vs. Term Life – What&#8217;s the Difference?

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<p>Many employers offer group life insurance as part of a comprehensive benefits package – but is that enough? According to Dave Ramsey, the answer is <em>no. </em>While it is only to your benefit to accept it if your employer offers to pay for your plan, you do need additional coverage outside of your job. Here’s why:</p>
<h3>If you leave it, you could lose it.</h3>
<p>Most group plans are not portable, meaning if you leave your current employer, you lose that coverage or must medically re-qualify. This is the main reason Dave suggests having no more than 50% of your coverage through your employer’s group plan. If unexpected health issues arise after you leave your job, you may not be able to qualify for the low rates you could be eligible for now.</p>
<h3>Your benefit may not be enough.</h3>
<p>Typically, the death benefit that comes with an employer plan is far less than you need. Dave recommends 10-12 times your income in coverage, whereas most group plans offer far less. Many group plans also reduce the benefits you receive as you age, driving down the value even further.</p>
<h3>Prices can go up (and might be too high to start with).</h3>
<p>Depending on the age of the group, your employer’s plan may be more expensive than purchasing a policy on your own. Even if it turns out that your group plan is competitive, the guaranteed rate on these types of policies typically only last two years. That means when that time period is up, you may have to pay more. Dave recommends opting for a 15-20-year level term plan, which guarantees that your rate won’t change during that time.</p>
<p>The bottom line – whether you have coverage through your employer or not, you should get coverage outside of a group plan. Our Zander Guides are here to help by shopping the top-rated <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance companies</a> to find the most competitive prices. Get started at the link below or by giving us a call at <a href="tel:18003564282">1.800.356.4282</a>.</p>


Look at information about purchasing term life insurance coverage outside of your employers group plan and why it is not enough.

Purchasing Term Coverage Outside Employers Group Plan

Ask Dave: Is My Employer’s Group Plan Enough?

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<p class="p1">The Own Occupation rider on a <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability policy</a> covers you if you are unable to perform the majority of the occupational duties that you have been trained to perform. This means you would receive disability benefits if you couldn’t work in your “own occupation” even if you were able to gain employment in another field. The Own Occupation rider is a nice benefit to have, but it’s not entirely necessary depending on your career and financial situation. If you work in a non-specialty field, don’t make the mistake of overpaying for this benefit. In most cases, there are very few disabilities that would leave you unable to perform the core duties of your occupation.</p>
<p class="p1">Zander Insurance offers the Own Occupation rider as an optional benefit in our disability plans. Dave Ramsey only recommends purchasing this benefit if you have enough room in your budget for the specialized coverage. If you’re still working to pay off debt or haven’t established an emergency fund, skip the Own Occupation rider and focus on reducing your debt and building wealth. Focus on these “must do” steps to secure financial stability and worry about the “nice to have” things later down the road.</p>


Read details about what the own occupation rider on a disability policy is and if you need it from Zander Insurance in Tennessee.

Own Occupation Rider On A Disability Insurance Policy

What is the Own Occupation Rider on a Disability Policy and Do I Need It?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3073" src="https://wp-stg.zanderins.com/wp-content/uploads/9-4.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<h2>Why are my insurance premiums going up?</h2>
<p>There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall experience the insurance company has had in that territory or region. Over the last 18 months we have seen these and a growing number of other factors greatly impact the rates being charged for both home and auto insurance, as well as more restrictions on eligibility and availability.</p>
<h2>Intensified Storm Activity</h2>
<p>The increasing number of significant weather events across the country – including tornados, damaging winds and hailstorms, flooding, and a significant uptick in wildfires – have added a new dimension of risk for insurance companies and, in some cases, challenged their long-term ability to pay claims in the future.  In 2023, there were over 30 events costing over $1 billion<sup>1</sup>; previously, it took a period of ten years to reach that amount.  This change in weather events has made for more frequent and severe types of claims, which are inherently reflected in the rates insurance companies charge.</p>
<h2>Rising Inflation</h2>
<p>Economic factors can also have an impact on insurance rates. Over the past six years the cost of building materials (lumber, copper, roofing, etc.), labor costs, and supply chain delays have increased by 33-55%, which has a direct impact on the number of dollars paid out by insurance companies.</p>
<h2>Increasing Auto Repair Cost</h2>
<p>With auto insurance, the cost of repairs has skyrocketed, as well as the value of used cars. In 2018, the average auto claim cost $4,821.<sup>2</sup> But with all the technology included in today’s vehicles and the training and material cost for replacement parts, the average claim has gone up 24%<sup>3</sup>.  Not to mention an increase in the frequency of auto claims since the end of the pandemic, as more people began driving again.</p>
<p>Overall, insurance companies have not been able to keep up with the frequency and cost of these increases based on the rates that they were charging three to five years ago.  This is one of the primary reasons why everyone is seeing higher costs for their insurance coverage. In addition, the restrictions in eligibility for new policies is an attempt to slow down how much risk insurance companies are assuming until they can get their pricing to better reflect the costs they are incurring.</p>
<p>All of these factors contribute to rising rates and harder-to-find coverage and are one reason you may have heard the term “hard market,” since it is harder to find the coverage you need at an affordable price lately.</p>
<h2>How do I find affordable coverage during a hard market?</h2>
<p>During a hard market, it is especially important to shop from several companies to find a policy that best fits your needs and budget. There are still options available out there for most people but taking the time and effort to review each one can be frustrating and time consuming.  Using an independent insurance agent/broker is a great way to shop and compare a wide range of insurance company options.  Unlike a “one-company agent” like State Farm, Geico, Liberty and others, an independent agent/broker works for <em>you</em> and can shop and compare with multiple companies now and in the future to make sure your rates stay competitive year after year.  They are also trained to not only know insurance coverages but also key elements of plans such as billing options, technology services, claims reputation and other areas that should be considered when reviewing options.</p>
<h2>How do I select an independent insurance agent?</h2>
<p>Look for an agent that is large enough to shop dozens of companies to find you the coverage you need, but also committed to a level of service that is exceptional in the industry.  They should be a reputable and stable company whose sole focus is on meeting the needs of their customers.</p>
<p>That is why Dave Ramsey, a well-known personal finance expert, radio show host, and author, uses and recommends Zander Insurance to his 30 million listeners as an independent agent that possesses all these qualities. “I have used Zander personally for all my insurance needs for more than 25 years. They shop hundreds of companies to get me the right coverage at the best price.&#8221;</p>
<h2>Conclusion</h2>
<p>A hard market in the insurance industry can make finding affordable coverage more difficult, costly, and time-consuming. While we can’t avoid the challenges a hard market brings, the good news is an independent agent, who works for you, can still find you great coverage and great rates, even in a hard market.</p>
<p>Sources:</p>
<ol>
<li><a href="https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters">https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters</a></li>
<li><a href="https://content.naic.org/article/naic-releases-2019-2020-auto-insurance-database-report">https://content.naic.org/article/naic-releases-2019-2020-auto-insurance-database-report</a></li>
<li><a href="https://www.forbes.com/advisor/car-insurance/car-insurance-facts-and-statistics/">https://www.forbes.com/advisor/car-insurance/car-insurance-facts-and-statistics/</a></li>
</ol>


Why are my insurance premiums going up? There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall [&hellip;]


Rising Insurance Premiums and What You Can do About It

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3447" src="https://wp-stg.zanderins.com/wp-content/uploads/15-5.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The Internet can be an educational tool, source of entertainment, and method of communication. However, there are a number of risks associated with the Internet as well, so it’s important that we educate our kids about how to be a safe consumer of technology. Here are a few tips for when and how to have these conversations.</p>
<h2>When to have the talk</h2>
<p>When is the right time to start having age-appropriate conversations about online safety? As soon as your child begins using the Internet.  Even if you’re still supervising everything they do on the computer, it’s important to make them aware of the precautions they must take to stay safe.</p>
<h2>What points to cover</h2>
<ul>
<li><strong>Stranger Danger. </strong>This is especially important if your child uses social media sites or gaming consoles that allow them to connect with other people. Xbox and PlayStation 4 are two examples of systems that include this feature. If your child accesses one of these systems, it may be a good idea to adjust the “Privacy and Online Safety” settings to your comfort level.</li>
<li><strong>Mental Health. </strong>Even if they follow all the rules and avoid talking to people they don’t know in real life, bullying is an issue that seems to have only gotten worse with the increase in social media use. Another mental health risk is the time factor–it’s easy for adults to get sucked into technology, and the same applies to our kids! Setting solid guidelines for how much time can be spent on technology is a good way to prevent this issue. The Nintendo Switch even allows parents to control how long the device stays on through their mobile app!</li>
<li><strong>Privacy and Information.</strong> Passwords protect our personal information–but only if those passwords are secure. Educate your child on what makes a password safe. Using a different password for every site and using numbers, capital letters, and special characters are good ways to ensure password security.</li>
</ul>
<h2>Other tips to keep them safe</h2>
<p>When all else fails, monitoring behavior is an effective method to keep your child (especially young ones) safe on the Internet. Keeping the computer in a shared space such as a living room helps encourage safe behavior and allows you to see if they are engaging in any activities that may be unsafe. If your kiddo has a mobile phone or tablet, blocking sites you’re uncomfortable with them visiting is an alternative that still allows you some control over their online activity. In short, <strong>educate</strong> your child about staying safe online, <strong>model </strong>safe practices, and <strong>check in</strong> to make sure those guidelines are being followed.</p>


Read about how to talk to your child about online safety including what points to cover and when to discuss from Zander Insurance.

How To Talk To Your Child About Online Safety | Zander

How to Talk to Your Child about Online Safety

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3461" src="https://wp-stg.zanderins.com/wp-content/uploads/6-6.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/21180352/6-6.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/21180352/6-6-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/21180352/6-6-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/21180352/6-6-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The holidays are just around the corner, and inboxes across the world are being inundated with news of Black Friday sales. This time of year is an identity thief&#8217;s dream! As the number of purchases you make increases, the chance that you&#8217;ll notice an unusual charge on your bank statement decreases.</p>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-1107" src="https://wp-stg.zanderins.com/wp-content/uploads/Copy-of-fraudweekawarenessstats-1.png" alt="" width="1110" height="311" srcset="https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 300w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 768w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 1024w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>So before you hit the mall (or the Internet, for those of us who prefer Cyber Monday shopping in our pajamas), be sure you know what to look out for. Here are some signs your identity may have been compromised:</p>
<ul>
<li>You receive a credit card you didn&#8217;t apply for in the mail</li>
<li>You see charges, withdrawals, or even deposits you didn&#8217;t make</li>
<li>You stop receiving bank/credit card statements</li>
<li>You receive a statement for a credit card you didn&#8217;t open</li>
</ul>
<p><strong>Unfortunately, you won’t always see these signs – and when you do, it is often too late. </strong>The best way to ensure your identity is protected is to purchase a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a>. Zander ID Theft Solutions looks for these signs <em>for you. </em>If you do become a victim, Zander will restore your identity and reimburse you for up to $1 million in stolen funds and expenses. This holiday season, protect yourself with the smarter, more affordable solution to identity theft.</p>


Find out information about signs your identity has been stolen from Zander Insurance including how to protect yourself from it.

Signs Your Identity Has Been Stolen | Zander Insurance

Signs Your Identity May Have Been Stolen

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<p class="p1">The SDIR integrates with programs like Social Security and workers compensation to reduce your cost of coverage, offsetting any benefits received from social plans. If you are receiving payments through one of these programs, the insurance company that provides your disability coverage will simply reduce the amount paid to you by the amount of benefit you receive through the social plan.</p>
<p>To give you an example, let’s say that John Doe has a disability policy with a base benefit of $5,200 and his SDIR is $1,800, for a total benefit of $7,000.<span class="Apple-converted-space">  </span>He is guaranteed to receive the total monthly amount of $7,000 but, if he begins receiving Social Security payments, his SDIR will simply be reduced by the amount of benefit he received from the SSA (Social Security Administration).<span class="Apple-converted-space">  </span>The foremost advantage of the SDIR is that, even if he doesn’t receive any payment through a social program, the disability insurance company still gives him the entire $1,800 SDIR benefit in addition to the base benefit of $5,200.</p>
<p>Long-term <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability insurance</a> is an important component of your overall financial plan, but be wary of the optional riders that can drive up the cost of coverage.<span class="Apple-converted-space">  </span>Dave’s advice is that, if you have a quality long-term disability plan at the right cost for you, additional bells and whistles won’t be needed. It’s also important to remember that your chance of becoming disabled is limited, so balance this expense with other priorities like <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, <a href="https://www.zanderins.com/other-insurance/health-insurance/quotes">health insurance</a>, your retirement plan, among others.</p>


Zander Insurance in Tennessee provides details about the supplemental disability income rider (SDIR) on your disability policy.

Supplemental Disability Income Rider (SDIR) | Zander

What is the Supplemental Disability Income Rider (SDIR) on a Disability Policy?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3080" src="https://wp-stg.zanderins.com/wp-content/uploads/benefits-of-independent-insurance-agent.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>When purchasing insurance, navigating through a multitude of options can be overwhelming and time-consuming, especially when you’re shopping one carrier at a time. Choosing to work with an independent insurance agent that shops many carriers offers significant advantages including personalized services, multiple coverage options, and lower premiums than when using a direct agent such as a State Farm, Geico, or Farmers Insurance agent. Let’s explore the benefits of using an independent agent over a captive agent and how this choice can empower consumers in their insurance journey.</p>
<ol>
<li><strong>More Options</strong>: Independent agents represent multiple insurance carriers, granting you access to a wider array of insurance products and coverage choices. This enables them to compare policies from various providers to identify the most suitable one for your requirements and financial situation.</li>
<li><strong>Saving Money</strong>: More options mean more opportunities to save money on premiums without compromising on coverage.</li>
<li><strong>Impartial Guidance</strong>: Being unaffiliated with any single insurer allows independent agents to provide unbiased advice and recommendations tailored to your specific needs. Their focus is on securing the optimal coverage for you rather than promoting a particular company&#8217;s products.</li>
<li><strong>Tailored Assistance</strong>: Independent agents often deliver personalized service by taking the time to comprehend your individual needs and preferences. They offer guidance throughout the insurance process, from policy selection to ongoing support.</li>
<li><strong>Claims Advocacy</strong>: In the event of a claim, independent agents can act as your advocate, guiding you through the claims process to ensure a fair and timely resolution. They also help with any questions or issues that may arise during the process.</li>
<li><strong>Sustained Support</strong>: Independent agents cultivate long-term relationships with clients, providing ongoing assistance even after the policy is in force. They assist in reviewing your coverage periodically to ensure it remains aligned with your evolving needs.</li>
<li><strong>Local Expertise</strong>: Many independent agents are deeply rooted in the communities they serve, offering invaluable local insights and expertise when choosing insurance coverage. They understand the distinct insurance requirements and regulations specific to your area.</li>
<li><strong>Potential Savings</strong>: Despite common misconceptions, utilizing an independent agent may not incur higher costs compared to purchasing insurance directly from a carrier. Because independent agents shop multiple providers, they can find better options and lower rates while still providing the same level of coverage.</li>
</ol>
<p>Overall, working with an independent insurance agent is a smart choice. They can provide you with more options to custom fit your coverage to meet your needs and your budget. They work for you, providing personalized service, answering all your questions, and advocating for you when you need it most, like when you file a claim.</p>


Finding an insurance agent that works for you can be difficult. That is why using an independent insurance agent can be helpful.

Benefits of Using an Independent Insurance Agent

<p style="text-align: left;">The purpose of life insurance is to support your family if something were to happen to you. But is your current policy <em>really</em> enough to take care of them? Hear what Dave has to say below.</p>
<p><iframe loading="lazy" title="Why You Need 10x Of Your Income In Life Insurance" width="500" height="281" src="https://www.youtube.com/embed/xob--CGoUVQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
<p>Whether you are an income-earner or a stay-at-home parent, <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is an essential part of planning for your financial future. Our Guides shop rates from top-rated companies to make sure you get the most bang for your buck.</p>
<p>Whether you are a first-time buyer or looking to increase your coverage, we are here to help you every step of the way.</p>


Find out how much term life insurance you need from Dave Ramsey whether you are a first time buyer or looking to increase coverage.

How Much Term Life Insurance You Need | Zander Insurance

How Much Do You REALLY Need?

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<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3207" src="https://wp-stg.zanderins.com/wp-content/uploads/35-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Identity Theft: Helpful Links</h2>
<p class="blue">Noted below are a few links to free consumer services that may prove beneficial in your efforts to combat your identity being stolen. Please note that while placing a fraud alert, freezing your credit, and checking your credit report are all valuable tools in reducing your risk, ID theft is not a preventable crime and none of these efforts will completely eliminate the possibility of you becoming a victim. However, when used in conjunction with an <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a> from Zander Identity Theft Solutions, these proactive measures will ensure that you are well protected if you do become a victim.</p>
<h2>Annual Credit Report.com</h2>
<p><a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or call <a href="tel:+18773228228">877-322-8228</a><br />
This site allows you to request your free consumer credit report once a year from each of the nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion. We strongly recommend a self-monitoring method of accessing your free credit reports throughout the year. However, since not all lenders access credit bureau reports prior to extending credit, and identity theft involves much more than just credit-related fraud (i.e. employment, medical, criminal, benefit, and Social Security fraud), monitoring your credit report has significant limitations and is not an effective tool by itself. Remember that your spouse is eligible for the same free consumer services and checking both of your reports, if applicable, is highly recommended. In addition, please be aware that access to your credit report is free and that none of the additional services offered at <a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or the credit bureau sites are necessary to retrieve your free report.</p>
<h2>Fraud Alert</h2>
<p>You can add a fraud alert to your credit report for up to one year under new legislation to help protect your credit information. A fraud alert can make it tougher for a thief to open accounts in your name. When a fraud alert is present on your report, creditors are supposed to verify your identity before extending credit, usually with a phone call. There are many lenders such as “Quick Cash” outlets and other vendors that do not use credit reports prior to their lending activity so fraud alerts can be of limited value but are certainly worth considering. Fraud alerts can be placed online, or you can call the credit bureau directly – directions for each method are below, and Experian will even notify the other two credit bureaus on your behalf.<br />
<b>Online: </b><a href="https://www.experian.com" target="_blank" rel="noopener noreferrer">https://www.experian.com</a>. At the bottom of the page, click on Fraud Alert. You will be given the option to add a temporary, one-year fraud alert &#8211; simply complete the form and verify your identity. You will also be provided access to your credit report. We recommend you print it and review it carefully. The other two credit bureaus will automatically be notified on your behalf.<br />
<b>Phone:</b> Call Equifax at <a href="tel:+18887660008">1-888-766-0008</a>. Follow the instructions to place your fraud alert. They will also notify the other two credit bureaus on your behalf.</p>
<h2>Credit Freeze</h2>
<p>A credit freeze offers the opportunity to lock down your credit, stopping a thief from using your information to open a new credit account. This can be an effective tool for those who do not utilize credit (or do so infrequently) in their lifestyle, but could create a delay and frequent inconveniences if access to your credit report is needed for things like renting an apartment, buying a home, cell phone and utility review or applying for a credit (a Dave Ramsey no-no). There no longer fees associated with freezing and “thawing” your credit file and these activities can be conducted online in most cases.<br />
It’s important to note that a credit freeze only prevents new accounts from being opened; credit card companies and banks where you have existing accounts can still check your credit report, and businesses that do not seek credit reports before extending credit would not be included.</p>
<h3><b>Experian Freeze </b></h3>
<p>Online: <a href="https://www.experian.com/ncaconline/freeze" target="_blank" rel="noopener noreferrer"><b>https://www.experian.com/ncaconline/freeze</b></a><br />
By Phone: <a href="tel:+18883973742">888-397-3742</a><br />
By Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013</p>
<h3><b>TransUnion Freeze</b></h3>
<p>Online: <a href="https://www.transunion.com/credit-freeze" target="_blank" rel="noopener noreferrer"><b>https://www.transunion.com/credit-freeze</b></a><br />
By Phone: <a href="tel:+18889098872">888-909-8872</a><br />
By Mail: Trans Union, LLC, P.O. Box 2000, Chester, PA 19106</p>
<h3><b>Equifax Freeze</b></h3>
<p>Online: <a href="https://www.equifax.com/personal/credit-report-services/credit-freeze/" target="_blank" rel="noopener noreferrer"><strong>https://www.equifax.com/personal/credit-report-services/credit-freeze/</strong></a><br />
By Phone: No phone access<br />
By Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348</p>
<h2>Child Identity Theft Inquiry</h2>
<p>Children are a target for identity theft because the theft of a child&#8217;s identity could go undetected for years. Identity theft could affect your child&#8217;s future credit and employment history if thieves obtain credit accounts &#8211; or even get jobs &#8211; using your child&#8217;s identity.<br />
TransUnion now provides a secure online form that you can complete and submit to find out if your child has a credit file. Once you submit the form you will receive an email reply within 24 hours letting you know if there is a credit file with your child&#8217;s Social Security number.</p>
<h2>OptOutPreScreen.com</h2>
<p><a href="https://www.optoutprescreen.com/?rf=t" target="_blank" rel="noopener noreferrer">https://www.optoutprescreen.com</a></p>
<p>OptOutPrescreen.com lets you Opt out of receiving pre-approved, unsolicited credit and insurance offers in the mail. You are given the choice of opting out for five years or you can opt out of firm offers permanently. With just a quick look in your mailbox, identity thieves can locate enough information from offers of credit to open a new account with your name and information. Using this free service reduces the volume of mail that you receive, diminishing the probability of becoming a victim of fraud.</p>
<h2>National Do Not Call Registry</h2>
<p><a href="https://www.donotcall.gov" target="_blank" rel="noopener noreferrer">https://www.donotcall.gov</a></p>
<p>By signing up for the Do Not Call registry, you will drastically reduce the number of annoying telemarketing calls you receive, which will ultimately reducing your risk of being scammed. The FTC requires all telemarketing firms to check the list every three months. Telemarketing firms are required to clean their telemarketing leads from all registrants of the do not call list. Since the FBI cites telemarketing fraud as one of the most common sources of identity theft, this free service is highly recommended.</p>
<h2>Federal Trade Commission (FTC)</h2>
<p><a href="https://www.ftc.gov" target="_blank" rel="noopener noreferrer">https://www.ftc.gov</a></p>
<p>This website is a one-stop national resource to help you deter, detect, and defend against identity theft. On this site, consumers can learn how to avoid identity theft, and learn what to do if their identity is stolen.</p>
</div>


Zander Insurance endorsed by Dave Ramsey provides id theft resources and helpful links that help ensure customers are protected.

ID Theft Resources And Links | Zander Insurance In TN

Helpful Identity Theft Resources

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3367" src="https://wp-stg.zanderins.com/wp-content/uploads/93.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Liability coverage is an important part of your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a> policy as it helps cover bodily injury and property damage should you be found responsible for an accident. Having the right amount of liability coverage helps to protect your personal finances in the event you are responsible for an accident.</p>
<p class="p1">Dave Ramsey typically recommends a minimum of $100,000 of protection for each person on your policy. You may be thinking, “That seems high, why don’t I just get the minimum amount required and save a few dollars upfront?” Most states require you to have liability coverage, but the amount required is typically much less than what’s recommended and costs around the same amount. Opting for more coverage at a slightly higher cost will save you money in the long run should you ever be found responsible for an accident. Imagine that you’re found responsible for an accident where two people are injured, and their medical costs end up being around $50,000 each. In this case, you’d be covered.</p>
<p class="p1">Dave also recommends choosing a higher deductible on your comprehensive and collision coverage for an added layer of protection. If your personal finances allow, consider carrying an amount of liability coverage equal to or greater than the value of your home.</p>


Look at details about what auto insurance liability limit should I carry from Zander Insurance in Tennessee endorsed by Dave Ramsey.

What Auto Insurance Liability Limit Should I Carry

What Auto Insurance Liability Limit Should I Carry?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3322" src="https://wp-stg.zanderins.com/wp-content/uploads/87.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">As Dave Ramsey says, your greatest asset is your ability to earn an income.<span class="Apple-converted-space">  </span>So what do you do when you’re sick or injured and can’t work?<span class="Apple-converted-space">  </span>That’s where <a href="https://www.zanderins.com/disability-insurance/instant-quotes">long-term disability coverage</a> comes in.<span class="Apple-converted-space">  </span>If you’re just starting to look for long-term disability insurance, first see if you have access to a group plan through your employer. Group plans are typically less expensive and easier to qualify for than if you were to purchase long-term disability insurance on your own.</p>
<p class="p1">If a group plan isn’t offered, or you’d prefer to have an individual policy, Dave Ramsey recommends <i>at least</i> a five-year benefit period (the amount of time you would receive your benefit), since most disabilities are resolved within five years.<span class="Apple-converted-space">  </span>However, if it fits within your budget, a benefit period that lasts until age 65 would be ideal.<span class="Apple-converted-space">  </span></p>
<p>Once you have determined the appropriate benefit period, you’ll need to choose your coverage amount. Dave recommends starting with an amount equal to 60% of your monthly income, which can be reduced over time based on how far you’ve come with attacking debt and growing your savings. To make your policy more affordable, choose an elimination period (the amount of time you must wait to begin receiving the payments) between 90 and 180 days – your emergency fund should cover your expenses until the benefit kicks in.</p>
<p>Be wary of additional riders to these plans, as they don’t typically add much value and only serve to drive up the cost.<span class="Apple-converted-space">  </span>Focus your search on the basics &#8211; a quality, renewable plan through a reputable company.</p>


Read about what long term disability plan benefits you should look for when purchasing coverage from Zander Insurance in Tennessee.

Long Term Disability Plan Benefits | Zander Insurance

What Benefits Should I Look For in a Long Term Disability Plan?

<div id="piggyBank"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3256" src="https://wp-stg.zanderins.com/wp-content/uploads/38-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></div>
<p>If you follow Dave Ramsey’s advice, you probably know that Dave Ramsey <strong>only</strong> recommends term life insurance – but have you thought through how much you’ll need or how long of a term to purchase? What about all those riders . . . are they necessary? Here are some common mistakes to avoid so that you can get the best coverage at the best value for your family.</p>
<h2>Failing to purchase enough coverage.</h2>
<p>First, and foremost, life insurance only serves its purpose when you have the right amount of coverage. That’s why Dave recommends having coverage equal to 10-12 times your income. This may seem like a lot of money, but you never know when or how tragedy may strike. Following this rule of thumb will help to ensure your family would be taken care for all of their financial needs, no matter what comes your way. Be sure both spouses in your family are covered, too. Even stay-at-home parents need life insurance.</p>
<h2>Waiting too long to purchase life insurance.</h2>
<p>Not only could this put your family at serious risk if something were to happen to you, but purchasing term life insurance earlier in your life can save you money in the long run, as rates typically increase with age. Health issues that may arise later in life could increase your premium significantly, and may even make you ineligible to purchase life insurance all together. Some people wait because they think they should put off purchasing life insurance until they’re debt free. This is a common misconception because, when you’re in debt, your family is most vulnerable. In fact, Dave Ramsey says that life insurance is an immediate need – even before the Baby Steps! As you reduce debt and increase savings, you slowly begin to reduce your need for life insurance, but it is necessary to have while you work to reach those goals.</p>
<h2>Choosing too short of a term.</h2>
<p>Purchasing a shorter and less expensive policy may sound appealing, but it could hurt you in the long run. For example, if you buy a ten-year policy and, in ten years, you develop medical issues &#8211; that could raise the cost of your next plan. That’s why Dave typically recommends a 15-20 year term policy. For a family planning on having children in the future, a 30-year plan would make the most sense, whereas a family with small children that doesn’t expect to have any more, a 20-year plan would likely meet their needs.</p>
<h2>Purchasing too many riders.</h2>
<p>Most riders are low on value and high on cost, benefiting no one except the insurance company and agent, who receive extra commissions. Common term life insurance riders include income replacement, waiver of premium, critical illness, and accidental death. They’re marketed to consumers based on emotional value, but they are just a bad deal – a big profit-maker for the insurance company with little value to the policyholder.</p>
<h2>Waiting too long to review your policy.</h2>
<p>Dave recommends reviewing your term life policy every couple of years to ensure it still meets your current needs. The policy you purchased ten years ago may have been great for you then, but likely doesn’t reflect where you are in your life today. Life events like having a baby, getting a raise at work, or quitting smoking would be great reasons to look over your policy again.</p>
<p>Life insurance is an essential piece of your financial planning. Zander Insurance Guides are trained to help you avoid these common life insurance mistakes to get you the right coverage to protect your family. <a href="/term-life-insurance/instant-quotes">Get your free, instant quote</a> or call 800-356-4282 to speak to a Zander Guide.</p>


Read about five term life insurance mistakes to avoid from Dave Ramsey who endorses Zander Insurance like not buying enough coverage.

Five Term Life Insurance Mistakes To Avoid – Dave Ramsey

5 Term Life Insurance Mistakes to Avoid

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3251" src="https://wp-stg.zanderins.com/wp-content/uploads/63-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" />\</p>
<p class="p1">When shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> or <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, you’ll likely be offered an umbrella policy, a policy that provides additional coverage beyond your basic policy. Your personal net worth and assets should determine your need for an umbrella policy, because the more net worth and assets you have, the greater risk you carry. In these cases, an umbrella policy can provide you added protection and is considered a worthy investment.</p>
<p class="p1">Once you determine your need for an umbrella policy, you’ll decide what level of coverage makes the most sense for you. The value of your home, and even your profession, can help determine the coverage of your umbrella policy. For example, if you’re a physician, a higher umbrella policy would be recommended because lawsuits filed against physicians tend to be at higher amounts. When determining the right amount for your umbrella policy, keep in mind the cost for additional layers beyond the first million are less expensive, making higher limits a better value. Unless you’ve accumulated significant wealth, a limit within $1-3 million would be an adequate amount of coverage. Depending on your personal financial situation, a lower limit may make more sense. Zander Insurance can help you determine the right umbrella policy for your needs and your budget.</p>


Zander Insurance in Nashville Tennessee provides information about if umbrella policies are necessary and the importance of them.

The Importance Of Umbrella Policies | Zander Insurance

Are Umbrella Policies Necessary?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3120" src="https://wp-stg.zanderins.com/wp-content/uploads/2-6.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Let’s talk life insurance. It’s not a topic that often comes up around the dinner table, but it’s important to think about. <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">Term life insurance</a> provides the financial resources your loved ones need to carry on if something happens to you.</p>
<p>Ever wonder if term life insurance is something you really need? Well, you’re in luck &#8211; we’ve compiled a list of people who need it, like, yesterday. . .</p>
<h4>Newlyweds</h4>
<p>The Kitchen Aid mixer, waffle maker, and stemless wine glasses you registered for are great. But do you know what’s even better? Peace of mind. Term life insurance will give your new husband or wife the gift of financial security if they lose the best gift of all (you)!</p>
<p>Think about how your spouse would pay the mortgage or cover funeral expenses if something were to happen to you. In that terrible situation, they shouldn’t have to worry about money on top of heartache.</p>
<p>Term life insurance is the most important gift you can give your new husband or wife. It’s a way for you both to know that your future is secure, even if the worst happens.</p>
<h4>Retirees</h4>
<p>At this point, you’ve earned the right to relax. But if you passed away, would your nest egg be big enough to cover the cost of funeral expenses and any outstanding debts? Do you want to leave behind something more for your family?</p>
<p>This is the time of your life you’ve been working toward, so it’s important to have the right term life insurance policy. We can help you determine exactly how much you need so you can enjoy true peace during this season.</p>
<h4>Parents</h4>
<p>If you have kids, it’s vital that you have the right term life insurance policy in place. You’ll want life insurance on both mom and dad, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one of you stays at home</a>.</p>
<p>That’s because your responsibilities as a parent — including cooking, cleaning, carpooling and caring for children — have costs associated with them. The benefit you bring and the services you provide to the household are invaluable, and your family would take a financial hit if you were to pass away.</p>
<h4>Anyone with Student Loans</h4>
<p>If you’re one of the 45 million people in America who have student loan debt, you should purchase a term life insurance policy. And if you had a parent cosign your loan, or if they took out a Parent PLUS Federal loan, getting life insurance will protect your family from being saddled with your debt if you pass away.</p>
<p>If you’re <a href="https://www.zanderins.com/blog/5-reasons-millennials-need-life-insurance" target="_blank" rel="noopener noreferrer">single</a> and your only financial responsibility is student loan debt, you should be covered with a policy equal to them amount of your debt plus funeral expenses. That way, your parents wouldn’t have to bear a financial burden on top of an emotional one.</p>
<h4>. . . And Everyone Else</h4>
<p>You don’t have a say in when your hourglass runs out of sand. What you <em>do</em> have a say in, however, is how much you leave behind for your loved ones.</p>
<p>Dave Ramsey recommends getting a policy of 10-12 times your annual income. This money is meant to replace your income, pay off any outstanding debts, cover funeral costs, and maybe even help fund college tuition or retirement for whomever you choose as your beneficiary.</p>
<p>If you fall into one of these groups (and you kind of have to, considering one of them is “everyone else”), get an instant quote.  It’s easy, free, and you may just be surprised at how affordable peace of mind can really be!</p>


Find out who needs term life insurance from Zander Insurance like newlyweds, retirees, singles, parents and anyone with student loans.

Who Needs Term Life Insurance | Zander Insurance

Life Insurance . . . Who Needs It?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3363" src="https://wp-stg.zanderins.com/wp-content/uploads/89.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Do you know if you’re getting the best deal on your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>? It pays (figuratively <em>and </em>literally) to find out. People save an average of $600 a year when they buy through Zander Insurance! If the fear of switching carriers is keeping you from looking into other options, check out these five simple steps to a smooth transition:</p>
<h3>1. Reach out to a Guide</h3>
<p>When you work with Zander, we will let you know what information you’ll need to make the switch, and we’ll walk you through every step of the process. That’s why this is the best place to start – if you have questions as you work through the next few steps, not to worry! Your Zander Guide will be there to (you guessed it) guide you.</p>
<h3>2. Gather necessary information</h3>
<p>Your Zander Guide will tell you what you will need to provide, but here are a few things to begin gathering if you want to get a head start:</p>
<ul>
<li>Driver’s license numbers for all drivers on the policy</li>
<li>Vehicle Information Numbers (VINs) for all cars you’d like covered (don’t worry if you don’t have this – your Zander Guide can likely pull this for you)</li>
<li>Names and dates of birth for everyone on the policy</li>
</ul>
<h3>3. Examine your coverage options</h3>
<p>You shouldn’t just get the minimum coverage required by your state. Your Zander Guide can help you determine how much you need in each of the following categories:</p>
<ul>
<li>Liability coverage: covers damage you cause to another person’s car, passengers, or driver – aim for at least $500,000 in coverage</li>
<li>Collision coverage: covers damage to your own car if you’re in a wreck, regardless of who caused the accident</li>
<li>Comprehensive coverage: covers non-collision damage, such as vandalism, hail, or animals – oh <em>deer!</em></li>
</ul>
<h3>4. Cancel your former policy</h3>
<p>Make sure to do this <em>after </em>your new policy takes effect so there is no lapse in coverage. On the other end of the spectrum, make sure you do it immediately after your new policy takes effect – unless, of course, you want to pay for two policies (we’re guessing that’s a hard no). If you prepaid for your former policy or changed policies in the middle of the month, your former insurance carrier owes you a refund for any unearned premium! When you call them to cancel, be sure to ask about that.</p>
<h3>5. Put your new insurance ID in your glovebox</h3>
<p>Please don’t skip this one! If you get pulled over without proof of insurance, you could face a hefty fine. Most companies will send you a temporary card, but you can usually print one out at home if you’d like one sooner. Download the Zander app for <a href="https://apps.apple.com/us/app/zander-insurance-app/id1176258759" target="_blank" rel="noopener noreferrer">iPhone</a> or <a href="https://play.google.com/store/apps/details?id=com.appliedsystems.mobileinsured.zande01&amp;hl=en_US" target="_blank" rel="noopener noreferrer">Android</a> to access your ID anytime, anywhere.</p>


Find out about switching your auto insurance to Zander Insurance and get the best rate for your policy which will help you save money.

Switching Your Auto Insurance To Zander Insurance

Auto Insurance: Making the Switch

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3483" src="https://wp-stg.zanderins.com/wp-content/uploads/25-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">If you notice suspicious activity and are a member of Zander Identity Theft Solutions, contact us right away so that we can open a case on your behalf and restore your account to its pre-theft status. We encourage you to join our plan if you are not yet a member because, once you have been a victim of ID theft, you are at a higher risk of being victimized again in the future. </span></p>
<hr />
<p>While we cannot help you with an ID Theft event that happens before you become a member, we have several helpful resources on our <a href="https://www.zanderins.com/identity-theft-protection/resources">Helpful Links page</a>, which include: how to place fraud alerts, how to view and access your credit report, and much more. It is crucial to include that, if you were involved in a data breach, it does not make you a victim of ID Theft. Your data being compromised in a data breach does put you more at risk, but you are only considered a victim if a thief illegally uses your information so you would remain eligible to enroll in our plan and have any future events covered.</p>
<p>As a member of <a href="https://www.zanderins.com/identity-theft-protection">Zander ID Theft Solutions</a>, you not only receive unlimited recovery services to clear up fraud if you fall victim to it, but you also get alerts of suspicious activity, up to $1 million in stolen funds protection and reimbursement, lost wallet protection and much more. Our team of experts is here to help 24/7/365 for your convenience and peace of mind.</p>


Find out what to do if you are a victim of identity theft like how to place fraud alerts, access your credit report and more from Zander Insurance.

What Do I Do if I’m a Victim of Identity Theft? | Zander Insurance

What Do I Do if I’m a Victim of Identity Theft?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3317" src="https://wp-stg.zanderins.com/wp-content/uploads/82.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Take a moment to think about yourself and three other people in your life. Maybe someone in your family, someone you work with, and a longtime friend.</p>
<p>Statistically speaking, one of you hasn’t read a single book in the last year.<sup>(</sup><sup><a href="https://www.pewinternet.org/2016/09/01/book-reading-2016/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>)</sup> One of you isn’t saving anything for retirement,<sup>(</sup><sup><a href="https://www.cnbc.com/2019/03/14/heres-how-many-americans-are-not-saving-any-money-for-emergencies-or-retirement-at-all.html" target="_blank" rel="noopener noreferrer">2</a></sup><sup>)</sup> one of you will get cancer,<sup>(</sup><sup><a href="https://www.cancer.org/cancer/cancer-basics/lifetime-probability-of-developing-or-dying-from-cancer.html" target="_blank" rel="noopener noreferrer">3</a></sup><sup>)</sup> and, according to the Social Security Administration, one of you will be out of work for at least a year because of a disability.<sup>(</sup><sup><a href="https://www.ssa.gov/oact/NOTES/ran6/an2017-6.pdf" target="_blank" rel="noopener noreferrer">4</a></sup><sup>)</sup></p>
<p>That last one is something you don’t hear much about, but it affects more people than you think — and it could affect you. That’s why working without long-term disability insurance is a bad idea. <strong>The good news is &#8211; there’s no need to live in fear.</strong> Our Zander Insurance Guides are here to help you make sure you don’t lose your independence because of disability.</p>
<h2>What Is Disability Insurance?</h2>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is a barrier between you and loss of income by replacing most of your income if something unexpected happens and you become too sick or injured to return to work.</p>
<p>The illness or injury doesn’t have to take place at work, and most disability insurance claims are for things you may not even realize are considered disabilities – a heart attack, cancer, or injuries from an accident are just a few examples. These things can really happen to anyone.</p>
<p>Disability insurance premiums are generally pretty inexpensive, and will depend on several different factors, such as:</p>
<ul>
<li>Your age</li>
<li>Your state of health</li>
<li>The risk level of your work</li>
</ul>
<p>For example, if you’re 30, healthy, and work behind a desk, long-term disability insurance can cost as little as 1% of your annual salary. This can be broken down into minimal monthly payments. As you age, however, your premiums will increase. If your health deteriorates, you may find it hard to qualify for an affordable policy at all.</p>
<h2>What Happens If I Become Disabled?</h2>
<p>If you’re part of the 68% of people<sup>(</sup><sup><a href="https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf" target="_blank" rel="noopener noreferrer">5</a></sup><sup>)</sup> working with no disability insurance, an injury or illness could put you and your family’s financial stability in jeopardy. Just imagine the financial stress of being out of work on top of trying to recover from an injury or disease that requires surgery, rest, and rehabilitation – or, even worse – if you find out you can never go back to work because of injury or illness.</p>
<p>Do you have enough cash saved up to replace your income for an extended period of time? Remember, long-term disability happens to <strong>one in four </strong>people. If you live your life without disability insurance, you’re rolling the dice.</p>
<p>Disability insurance allows you to take the time you need to heal without losing your paycheck. A good disability insurance policy will pay out between 60-70% of your current take-home pay, and Zander can help you find the right plan for you.</p>
<p>Disability insurance is a critical piece of keeping your future secure, no matter what life throws your way. Let our pros do the work for you and keep your family protected.</p>


Read about why you should not let a disability steal your independence and how to get coverage from Zander Insurance in Tennessee.

You Should Not Let A Disability Steal Your Independence

Don’t Let Disability Steal Your Independence

<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3302" src="https://wp-stg.zanderins.com/wp-content/uploads/69-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>You can most effectively combat identity theft by enrolling in a program that combines prevention components with full-service recovery. The truth is that no plan can thoroughly prevent ID theft 100% of the time, so we have integrated the tools that help reduce your risk while providing critical recovery services if an ID theft event does occur. No matter the cost or how long it takes, our certified recovery specialists will take care of restoring your identity to pre-theft status if you fall victim to this expensive, time-consuming, and terrifying crime.</p>
<p>As part of our prevention services, we monitor your personal information, searching the web and other databases for signs of misuse. Additionally, we provide online cybersecurity services such as VPN (a virtual private network) and antivirus software that allow you to browse the web, stream content, shop, and bank online with encryption. Looking after and reducing access to your information is an important step to reduce becoming an identity theft victim.</p>
<p>Regardless of the fraud committed- financial, Social Security or unemployment, medical id theft, crimes committed in your name, etc, our restoration services cover it all. To minimize the impact on your daily life, we provide white-glove service and recover your identity as fast as possible.<br />
As an added benefit, our members receive up to $1,000,000 ($2,000,000 on family plans) in stolen funds protection and expense reimbursement coverage, including legal fees, lost wages, and more. Our family plan covers any two adults and children at no cost. Our U.S.-based support is offered 24/7/365 to assist you in whatever you might need, such as reviewing your credit reports and accessing free services credit card opt-out, do-not-call lists, placing fraud alerts, freezing your credit, and more.</p>
<p>We have developed the most thorough and affordable plan that helps reduce your risk of falling victim to identity theft. With <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a>, if you are a victim, you will receive immediate and effective assistance from a team you can trust to handle the problem and limit the hassles caused by having your identity stolen. That is why Dave Ramsey has only ever recommended and used our plan for his family and all his team members. Check out our comprehensive options or call us toll-free at <a href="tel:18882103274;">1.888.210.3274</a>.</p>


Read details about how the Zander ID Theft Plan works and more information about protecting your identity through our protection plans.

How Does The Zander ID Theft Plan Work? | Zander Insurance

How Does Zander’s ID Theft Plan Work?

<p>&nbsp;</p>
<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3370" src="https://wp-stg.zanderins.com/wp-content/uploads/96.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">We often get the question, “Do I really need renter’s insurance?” And Dave’s answer will always be Yes, unless you have the financial means to replace all of your personal items – including your television, furniture, clothing and more – in the event of a major catastrophic loss. If not, then you’re strongly advised to carry renter’s insurance. Without it, you could be stuck scrambling to replace personal items if something were to happen to the home or apartment you’re renting. Even if you <i>do</i> have the funds to replace items in the event of a fire, burglary or other catastrophic event, renter’s insurance is an affordable option to protect yourself. Before you purchase a renter’s insurance policy, take some time to understand how it works and the benefits of renter’s insurance.</p>
<p class="p1">Renter’s policies are very similar to the coverage you might expect from a <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s policy</a>, with the biggest difference being building coverage. Renter’s policies cover the same exposures as a homeowner’s policy, including fire, lightning, theft, windstorms and other catastrophic events. To determine the appropriate amount of coverage for your renter’s policy, you will need to place a value on the cost of replacing all your personal items. It’s generally a good idea to pad these numbers a little bit, since your policy pays to replace up to the limit you purchase. Costly items like jewelry, firearms and art require a separate schedule to protect these items. Once you’ve determined the right amount of coverage based on your personal items, don’t forget to opt in for Personal Liability Protection. Personal Liability Protection covers you for bodily injury or property damage caused by a third party at your rental home or apartment. This is an important add-on to renter’s insurance, as it protects your personal assets from lawsuits that could arise from the rental of the property.</p>


Find out why you need renters insurance and about policies from Zander Insurance in Nashville Tennessee endorsed by Dave Ramsey.

Why You Need Renters Insurance | Zander Insurance

Do We Need Renters Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2741" src="https://wp-stg.zanderins.com/wp-content/uploads/blog_post_headers-3.png" alt="burial insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Term life insurance should not be used for final expenses or burial. Your term life insurance plan could expire before the death of the insured, making it not a viable method to plan for final expenses.</span></p>
<hr />
<p>When buying <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, the goal is to be paying off debt and growing your savings, so that by the time your insurance expires, there won’t be a need for life insurance. Dave Ramsey doesn’t recommend buying life insurance with the sole intention of using the money to cover final expenses, as in most cases your emergency fund and/or savings should pay for them.</p>
<p>There are some rare instances that you want to consider a burial type of policy, such as one through Senior Legacy Insurance. While Dave Ramsey does not typically recommend a burial policy, as it is a cash value plan, it could be the only way to address a need for insurance if you are dealing with an older individual whose financial or medical situation does not allow for any other option.</p>
<p>See answers to more <a href="https://www.zanderins.com/term-life-insurance/faqs">frequently asked questions</a> about term life insurance.</p>


Is there an instance when you might need a burial policy and term life insurance coverage? Find out what our experts and Dave Ramsey suggest.

When Do I Need a Burial Policy? | Zander Insurance

Do I Need a Burial Policy?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3314" src="https://wp-stg.zanderins.com/wp-content/uploads/79.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Half of American families would suffer financially in less than a month if the primary wage-earner became too sick to work. The average time someone is out of work due to long-term disability is 2.5 years. Could your family get by without your income for that long? For most of us, the answer is “no.”</p>
<p>For many families, that means they would not be able to pay the mortgage, transportation costs, utilities, or even put food on the table. That’s why disability is the leading cause of foreclosure and bankruptcy – and it happens to more people than you may think. Studies show that 1 in 4 people will have a disabling event before retirement.</p>
<h3>The Solution</h3>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is an affordable way to prevent your family from facing financial instability if you become ill or injured and can’t work. A good policy will provide income that will help you pay your bills and maintain your way of life. Dave Ramsey even says it’s “just as important as life insurance!”</p>
<h3>Why Zander?</h3>
<p>Zander Insurance has been nationally endorsed by Dave Ramsey for over 20 years because we offer plans that protect your family and your wallet. He says “Zander provides the broadest eligibility for all types of professions and avoids add-on coverages that just waste your money.” Our Zander Guides will help you customize a policy to fit your needs. That’s the Zander Way.</p>


Read about how to avoid foreclosure and bankruptcy with disability insurance which is an affordable way to protect your assets.

Avoid Foreclosure and Bankruptcy | Zander Insurance

Avoid the #1 Cause of Foreclosure and Bankruptcy

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3364" src="https://wp-stg.zanderins.com/wp-content/uploads/90.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Purchasing car insurance is one of the most important things you can do to protect yourself.</p>
<p>Why? Well, it’s the law, for one thing. Another reason? The average amount auto insurance pays out per accident is between $3,000-$4,000. There are about 6 million car accidents in the U.S. <em>every year</em>, and half of them result in injury.<sup><a href="https://www.driverknowledge.com/car-accident-statistics/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>  </sup>If there are injuries in a wreck, the cost of a claim skyrockets. You don’t want to get stuck paying that kind of money out-of-pocket!</p>
<p>You might think that most car accidents happen during the winter months, when weather conditions like snow and ice make driving extra risky. But in reality, August is the most dangerous month for drivers.</p>
<p>Why August is the most dangerous is a bit of a mystery, but study upon study — year after year — confirms this month still holds the title. So now is the perfect time to make sure you have the right coverage for you. Even if you’re already insured, we can shop current rates and save you a lot of money!</p>
<h4><strong>Do You Have the Right Auto Insurance?</strong></h4>
<p>There are several options to choose from when it comes to <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, so it’s worth it to shop rates once a year. Here are some types of coverage to look for in your auto insurance policy:</p>
<ul>
<li><strong>Liability Coverage: </strong>If you’re at fault for an accident, this coverage will cover the costs of any damage or injuries caused in the crash. Most states have minimum requirements for this. Here at Zander, our Guides are trained to know the laws in each state, so that we can get you the right amount of coverage.</li>
<li><strong>Collision Coverage:</strong> If you’re in a wreck, this will cover the cost of repairing or replacing your vehicle.</li>
<li><strong>Comprehensive Coverage:</strong> This insurance covers any losses related to your vehicle, including theft, vandalism, fire, and hail.</li>
</ul>
<h4><strong>How Zander Saves You Money on Auto Insurance</strong></h4>
<p>Car insurance doesn’t have to break the bank. Zander’s nationwide service compares multiple insurance plans, helping you find the most competitive rates for the exact coverage you need! The best part? <strong>We shop rates for free.</strong></p>
<p>Here are 7 advantages to working with us:</p>
<ol>
<li>We represent the country&#8217;s top independent auto insurers.</li>
<li>We’ll give you multiple quotes to make sure you get the right coverage for the most competitive price.</li>
<li>We’re happy to help you understand the different coverages that are suitable for your insurance needs and your budget.</li>
<li>We will review your policy each year to make sure your rates stay as low as possible.</li>
<li>Easy payment options, flexible down payments, and personalized service.</li>
<li>With four generations and nearly 100 years of experience, we&#8217;ll be here to help you each step of the way.</li>
<li>Our partnership with Answer Financial allows you to compare and save online in all 50 states.</li>
</ol>
<p>What are you waiting for? Let us help you find the best rates!</p>


Read about why you need auto insurance now from Zander Insurance including details about different coverages and how you can save.

Why You Need Auto Insurance Now | Zander Insurance

Why You Need Auto Insurance . . . Like, Now

<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3320" src="https://wp-stg.zanderins.com/wp-content/uploads/85.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Guaranteed Renewable</h2>
<p class="p1">A feature that allows you to renew the policy to age 65. As long as premiums are paid when due, Assurity will not cancel or change your policy. Premiums can only be changed for all insured persons in the same class if approved by the<br />
state insurance department in your state.</p>
<h2>Benefit Period</h2>
<p class="p1">The maximum period of time that monthly benefits are payable to you for a given total disability.</p>
<h2>Elimination Period</h2>
<p class="p1">The number of consecutive days that you must be totally disabled before the monthly benefit amount becomes payable.</p>
<h2>Occupation Class</h2>
<p class="p1">Indicates your job classification by level of risk, ranging from 1A, being the most hazardous, to 4A, being the safest. A designation of NE would mean you are not eligible for coverage. If uncertain, consult with an agent representative from Zander Insurance to determine your current occupational class.</p>
<h2>Non-integrated Base Coverage</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy regardless of social insurance benefits you receive.</p>
<h2>Social Insurance Rider</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy reduced by any social insurance benefits you receive such as Social Security and Worker&#8217;s Compensation. This rider is utilized since<br />
eligibility for many social insurance programs are limited due to restrictive definitions of disability and lengthy waiting periods. For example &#8211; some social insurance programs require that your disability must prevent you from being able to<br />
perform any substantial or gainful work and must be expected to last for at least twelve months or result in death. If you qualify for Social Security or another social insurance program, then your benefit from this rider is reduced by an amount equal to the social benefit you receive. However, if you do not qualify for any social insurance, the rider keeps paying the full benefit. This rider helps assure your income replacement is maintained at the benefit level you selected while reducing the overall premium cost. It&#8217;s a win-win situation &#8211; with the social insurance rider you receive benefits while you pay less.</p>
<h2>Partial Disability</h2>
<p class="p1">A sickness or injury that keeps you from being employed on a full-time basis. According to the policy, 50% of the monthly benefit will be paid for each month of a partial disability from your injury or sickness for up to six months, if following a period of compensable total disability. The combined period of total and partial monthly benefit payments cannot extend beyond the policy&#8217;s benefit period.</p>
<h2>&#8220;Own Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the important, substantial and material duties of your own occupation due to accident or sickness and require a physician&#8217;s care. This definition is applicable during the first two years of disability after the<br />
elimination period has been satisfied.</p>
<h2>&#8220;Any Gainful Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the substantial and material duties of any gainful occupation, require a physician&#8217;s care and are not engaged in any job for wage or profit. “Any gainful occupation” is an occupation which fits you by education, training and experience and replaces 60% or more of your previous income. This definition is used after benefits have been paid for two years, applicable only if the insured person has selected a benefit period of five years, ten years or to age 65.</p>
<h2>Waiver of Premium</h2>
<p class="p1">A provision in the policy that waives premiums following 90 days of total disability, or following the elimination period, if shorter. If a period of total disability extends beyond the elimination period and benefits become payable, premiums paid during the elimination period will be refunded. Waiver of premium stops when your total disability ends or at the end of the benefit period, whichever is first.</p>
<h2>Survivor Benefit</h2>
<p class="p1">A benefit available at no additional cost that pays a lump sum benefit to a named beneficiary in the event that you have been receiving monthly benefits for at least 12 months and then die. The lump sum death benefit is six times the monthly benefit.</p>
<p class="p1">* These descriptions are intended to be accurate representations of features found in disability insurance policies but are not meant to represent specific provisions for any policy described on this site.<br />
For more information on product features, please contact us toll free at <a href="tel:1-800-356-4282">(800) 356-4282</a> or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>


Disability insurance education like definitions of the most frequently used terms is described from Zander Insurance in Nashville TN.

Disability Insurance Education | Zander Insurance in TN

Disability Education

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2737" src="https://wp-stg.zanderins.com/wp-content/uploads/blog_post_headers-2.png" alt="life insurance expires" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Most Term Life plans are renewable to age 90 or older. But the cost of the policy goes up substantially each year once the guaranteed level premium period expires. </span></p>
<hr />
<p>However, the affordability and flexibility provided by the long-term rate guarantees (10,15,20,25 and 30 years) of term life plans and the financial achievements you can accomplish during that time period is the reason <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is a much better option than cash-value plans.</p>
<p>Cash-value plans (Whole Life, Universal and Variable Life, and Return of Premium Plans) assert that you will need life insurance for your entire life, so to cover the higher cost of insuring you in your later years, they overcharge you in the earlier years of the policy. It is Dave Ramsey’s opinion that the money you save with term life insurance should be used to pay off debts and grow your wealth so that, by the time you’re older and the term expires, you won’t even need life insurance anymore. Don’t be fooled by the idea that you’ll need lifelong insurance coverage – life insurance is only necessary when your death would cause your family to suffer financially due to loss of income or debt.</p>


Do you know what to do should your term life insurance expire? Read tips about what you should do if your policy is about to expire from Zander.

What Happens When My Term Life Insurance Expires? | Zander

What Happens When My Term Life Insurance Expires?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3362" src="https://wp-stg.zanderins.com/wp-content/uploads/88.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Storms are called natural <em>disasters </em>for a reason. If you’ve experienced a catastrophic event, you know how stressful recovery can be, both physically and financially. Let us be a resource for you as you figure out your next steps.</p>
<h3>If Your Home is Damaged . . .<strong><br />
</strong></h3>
<ul>
<li>Take pictures of as much damage as you can for documentation for the adjuster, documenting with video when you can. At the very least, make a written list of all belongings; it is very difficult to recall from memory all your personal belongings, especially in times of crisis.</li>
<li>If there is a partial loss or significant damage, try to cover as much as possible to prevent further damage – <em>only</em> if the area is safe.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>When contacting a contractor, find out as much information about them prior to signing an agreement. The carriers may also have a list of approved contractors, don’t be afraid to ask.</li>
<li>Discuss additional living expenses with your adjuster. If your <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> is uninhabitable, the insurance company could provide living expenses up to the limits of the policy, or an advance to pay for repairs to begin.</li>
<li>Discuss with adjuster any trees that are blocking access to the home, as well as damage to adjacent structures like retaining walls, garages, pools, etc.</li>
<li><strong>Rely on your insurance agent.</strong> In a catastrophic situation, when resources are often strained, your agent can make sure you get the attention you need.</li>
</ul>
<h3>If Your Car is Damaged . . .</h3>
<ul>
<li>Take photos and/or video of all the damage. Be aware of broken glass or any other damage that could be harmful during your inspection.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>If the vehicle is not operable, have a repair shop in mind that you want to use. Alternatively, you can ask your adjuster for an approved shop.</li>
<li>The shop can organize towing between the vehicle’s location and the repair shop of your choice.</li>
<li>Be aware of your deductible. If there is damage to both your home and <a href="https://www.zanderins.com/other-insurance/auto-insurance">automobile</a>, ask your adjuster if there will be one deductible only.</li>
<li><strong>Rely on your insurance agent.</strong> They are here to help you get the attention you need.</li>
<li>From the moment you lose use of your car, keep receipts for any items you purchased, including food, clothing, transportation expenses, or temporary lodging. Keep a record of these and provide to the adjuster.</li>
</ul>
<h3>If Your Business is Damaged . . .</h3>
<ul>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>Use caution when entering your impacted business premises due to risks surrounding structural, gas, and electrical exposures.</li>
<li>Take photos and/or video of all the damage.</li>
<li>Contact a restoration company to begin the cleanup process. Your insurance agent can provide assistance with reputable providers.</li>
<li>Notify your employees of revised work schedules.</li>
<li>Expect contact from your insurance adjuster within 48 hours.</li>
<li>Keep all receipts connected with clean up and repair to submit to the insurance adjuster.</li>
</ul>
<p>No matter what the damage is, we are here to help. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> with questions or for help filing claim.</p>


Find out what next steps are from getting storm damage from a natural disaster from Zander Insurance who helps guide you through it.

Storm Damage - Natural Disaster Plan | Zander Insurance

Storm Damage: What Now?

<p><span style="font-size: 22px; line-height: 35px;"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2913" src="https://wp-stg.zanderins.com/wp-content/uploads/Flood-blog-image-header.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></span></p>
<p><span style="font-size: 22px; line-height: 35px;">Do you have protection for a 99% problem? </span><span style="font-size: 22px; line-height: 35px;">Although only 3% of homeowners see flooding as a risk to their homes, 99% of US counties have experienced flooding in the last 25 years, according to FEMA. Scientists expect the frequency and intensity of flooding to increase as climate change continues to create more intense precipitation and sea level rise is accelerating.</span></p>
<hr />
<h3>About $1000 per year protects from a $50,000 disaster</h3>
<h3>As a homeowner, you’re likely aware that standard homeowners&#8217; insurance policies won’t cover flood damage to your home and belongings from storm surges, river and stream overflows, and flash floods. And while only 15% of property owners carry flood insurance, the average National Flood Insurance Program (NFIP) flood claim payout to those who do is over $50,000, according to FEMA’s latest 2019 figures.<br />
Flood insurance is available through NFIP and private market carriers. Average annual flood insurance costs depend on several factors, from your home’s structure and elevation to frequency of flooding and distance to water. Overall costs range by state from $629 to $1410.</h3>
<p>Federal Aid Challenges</p>
<p>Some homeowners believe that federal disaster aid will cover them in the event of an unexpected flood. However, what they don’t realize is:<br />
• Disaster aid isn’t offered after every flood<br />
• Disaster aid often takes months<br />
• Uninsured flood victims then get a disaster loan from the SBA</p>
<p>Meanwhile, the damage is done, and funding for repairs doesn’t come quickly, if at all. Yet, those who choose to carry flood insurance can get claims quickly processed and begin to recover from the damage to their home and belongings.</p>
<h3>5 Ways to Reduce Flood Insurance Costs</h3>
<p>Even though the average premium is worth the protection, homeowners have a few options for reducing policy costs. Consider:<br />
1. Choosing a higher deductible<br />
2. Taking steps to mitigate flood risks, like elevating HVAC units above the first floor<br />
3. Getting an elevation certificate<br />
4. Qualifying for the NRIP Community Rating System discount<br />
5. Comparing NFIP rates to the private market<br />
Discover more about NFIP’s specific building and belongings flood coverage, replacement cost vs. ACV, FEMA’s Risk Ratings 2.0, private flood insurance options, and more in this Forbes Advisor article.</p>


Look at details about how to protect your home from flooding from Zander Insurance including information about federal aid challenges and how to reduce costs.

How To Protect Your Home from Flooding | Zander Insurance

How To Protect Your Home from Flooding

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3456" src="https://wp-stg.zanderins.com/wp-content/uploads/1-10.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/21180334/1-10.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/21180334/1-10-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/21180334/1-10-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/21180334/1-10-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The dark web – mysterious, dangerous, and something regular people don’t have to worry about. Right? Not exactly. Data breaches have exposed millions of personal and financial records, leaving virtually everyone at risk for identity theft. In fact, there were 13 million victims in 2019 alone!<sup>1 </sup>Once that information is exposed, you can probably guess where it often ends up: the dark web.</p>
<h2><strong>What <em>is </em>the Dark Web?<br />
</strong></h2>
<p>Most of us are familiar with the term “dark web” – but what exactly is it? There are three levels to the Internet: that which is publicly available (the world wide web), the deep web, and the dark web. Here’s a quick overview of what each of these levels entail:</p>
<ul>
<li><strong>The World Wide Web:</strong> This part of the Internet is made up of online shopping sites, news sources, social media, and other sites where you likely spend most of your time.</li>
<li><strong>The Deep Web:</strong> This makes up the largest segment of the Internet and includes members-only sites, school intranets, and internal company sites.</li>
<li><strong>The Dark Web:</strong> This is a hidden network of sites that you can only access with a special web browser. This is where the majority of identity theft incidents take place, as these sites allow users to mask their IP address, maintaining their anonymity.</li>
</ul>
<p>While the dark web is the primary spot for buying and selling personal information, there are several ways identity thieves use the public web to obtain that information in the first place. Keep an eye out for some of the <a href="https://www.zanderins.com/blog/scams">most common scams</a> to lessen your chances of your information falling into the wrong hands.</p>
<h2><strong>How Can I Keep My Information Off the Dark Web?</strong></h2>
<p>If it <em>does </em>hit the dark web, however, you want to know about it immediately. If you’re a Zander ID Theft Solutions member, <a href="https://www.zanderins.com/blog/zander-idt-alert-what-now" target="_blank" rel="noopener noreferrer">we’ll send you an alert</a> if your information is found on the dark web so you know to take proactive measures like checking your credit report for suspicious transactions and placing a fraud alert on your credit. A fraud alert will notify creditors that extra steps should be taken to verify your identity if your information is used to apply for credit. Using strong passwords, using a virtual private network (VPN), and being careful with your wallet and other items which may contain sensitive information are just a few ways to keep your information safer.</p>
<h2><strong>What Does Dark Web Monitoring Mean?</strong></h2>
<p>Dark web monitoring scans hundreds of thousands of websites for your personal information. If a match is found, you’ll receive an alert. <a href="https://www.zanderins.com/identity-theft-protection" target="_blank" rel="noopener noreferrer">Zander ID Theft Solutions’</a> surveillance technology monitors black-market sites globally, covering everything from chat rooms to social media. This process scans for your social security number, bank account information, credit and debit card numbers, passport numbers, medical ID numbers, and any other information you provide us to monitor.</p>
<h2><strong>Why is Dark Web Monitoring Important?<br />
</strong></h2>
<p>The process of identifying personal information on the dark web is more than anyone can handle manually – in fact, this portion of the Internet isn’t even accessible to the average person! Zander ID Theft Solutions uses technology that scans <em>millions</em> of data points with spidering technology and forum extraction every day to alert you if your information is being bought, sold, or traded on the dark web. If we see your information somewhere it doesn’t belong, we’ll let you know and will walk you through the next steps in protecting your identity.</p>
<h4>Call Zander Identity Theft Solutions at 1-888-210-3274 or <a href="https://www.zanderins.com/identity-theft-protection">view plans</a> starting at less than $7 a month. <a href="https://www.zanderins.com/contact-us">Contact us</a> if you have any questions about dark web monitoring.</h4>
<p><em><sup>1</sup>Citation: 2019 Identity Fraud Study, Javelin Strategy &amp; Research, Identity Theft Resource Center</em></p>


Find out is your personal information on the dark web including details about what it is and how to keep your identity off it from Zander Insurance.

Is Your Personal Information On The Dark Web | Zander

Is Your Personal Information on the Dark Web?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3184" src="https://wp-stg.zanderins.com/wp-content/uploads/32-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/06/17213716/32-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/06/17213716/32-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/06/17213716/32-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2019/06/17213716/32-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Understanding the value a stay-at-home parent brings to a family’s overall income is an important step in deciding the right coverage for your family.</p>
<p>Just because you don’t bring home a paycheck, doesn’t mean the contributions you make to your family’s overall income aren’t significant. Everything you do as a stay-at-home parent – including cooking, cleaning, carpooling and caring for children – has a cost associated with it. The impact on your children and the benefit you bring to the household is invaluable, and your family would immediately take a financial hit if you were to pass away. With childcare costs ranging from $10,000 to nearly $30,000 a year, the cost of caring for your children alone could put a large financial burden on your family.</p>
<p>Don’t make the mistake of leaving your family to navigate these hardships on their own. Dave Ramsey recommends purchasing a policy between $250,000 and $400,000 to offset the increase in expenses your family would incur if you were to die prematurely. To protect your family, you can purchase a 15-20-year guaranteed level term plan that reflects the age of your children. If your children are older and more self-dependent, a shorter and less expensive term period may be a better option for you.</p>
<p>Zander Insurance can help find the right amount of coverage for the stay-at-home spouse in your family. Start with a free quote today.</p>


Find out if stay at home parents need life insurance and how much coverage to get from Zander Insurance in Nashville Tennessee.

Do Stay At Home Parents Need Life Insurance Coverage

This is a great FB title.

Do Stay-At-Home Parents Need Life Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3319" src="https://wp-stg.zanderins.com/wp-content/uploads/84.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201922/84.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201922/84-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201922/84-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201922/84-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">AssurityBalance® Century+ Disability Income Insurance policy will help protect your greatest asset &#8211; your income. In the event of disability, you will need an alternative source of income and your AssurityBalance® policy will be there. You will receive a monthly benefit for the time you are totally disabled within the policy benefit period. You select the monthly benefit amount and the benefit period that is right for you &#8211; a policy customized to your personal needs. Coverage requested is subject to eligibility requirements and includes the following:</p>
<ul>
<li>Monthly Benefit amounts from $500 up to approximately 60% of your pre-tax monthly income</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#BenefitPeriod" target="_blank" rel="noopener noreferrer">Benefit Periods</a> of 2 years, 5 years, 10 years, or To Age 65</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#EliminationPeriod" target="_blank" rel="noopener noreferrer">Elimination Periods</a> of 90 days or 180 days</li>
</ul>
<p class="p1">Other policy features include:</p>
<ul>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#GuaranteedRenewable" target="_blank" rel="noopener noreferrer">Guaranteed Renewable</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#OwnOccupation" target="_blank" rel="noopener noreferrer">&#8220;Own Occupation&#8221; Definition of Total Disability</a> for the first 2 years</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#AnyOccupation" target="_blank" rel="noopener noreferrer">&#8220;Any Gainful Occupation&#8221; Definition of Total Disability</a>beyond the first 2 years (applicable for 5-year, 10-year and To Age 65 benefit periods)</li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#PartialDisability" target="_blank" rel="noopener noreferrer">Partial Disability Benefits</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#SurvivorBenefit" target="_blank" rel="noopener noreferrer">Survivor Benefit</a></li>
<li><a href="https://assuritydi2.assurity.com/ZanderV3/Disability%20Education.html#WaiverOfPremium" target="_blank" rel="noopener noreferrer">Waiver of Premium</a></li>
</ul>
<p class="p1">The AssurityBalance® Century+ Disability Income Insurance policy was designed to balance your need for income protection for tomorrow at a premium you can pay for today. The policy blends key elements of the most important disability coverages to maximize the protection provided while maintaining affordability for today&#8217;s tight family budgets. When considering the statistics,</p>
<ul>
<li>An illness or accident will keep one in five workers out of work for at least a year before the age of 65. (Life and Health Insurance Foundation for Education, November 2005)</li>
<li>The average long-term disability absence lasts 2 ½ years. (Commissioner&#8217;s Individual Disability Table A, 2008)</li>
<li>Medical bills were a factor in more than 60% of bankruptcies in 2007. Almost 80% of people who filed for bankruptcy in 2007 had health insurance coverage. (Robert Wood Johnson Foundation, Reuters/Boston Globe et al. June, 2009)</li>
<li>At age 30, the chances of a long term disability are 4 ½ times greater than the chances of death. (JHA Disability Fact Book 2004)</li>
</ul>
<p class="p1">The need for thorough and <a href="https://www.zanderins.com/disability-insurance/instant-quotes">affordable disability income protection</a> is crucial. The AssurityBalance® policy, along with a properly funded emergency fund, can help assure that your family&#8217;s lifestyle is not vulnerable and can continue through a period of disability and income loss.</p>
<p class="p1">Take the time; do the research. The AssurityBalance® Century+ Disability Income Insurance policy represents an excellent value for you and your family&#8217;s disability needs.</p>
<p class="p1">For more information on product features, please contact us toll free at <a href="tel:1-800-356-4282">(800) 356-4282</a></p>
<p>or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>


Read about disability insurance product information from Zander Insurance including how to customize a policy that fits your needs.

Disability Insurance Product Information and Your Policy

Disability Product Information

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3257" src="https://wp-stg.zanderins.com/wp-content/uploads/39-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173956/39-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173956/39-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173956/39-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173956/39-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">The primary function of a credit freeze is to stop any access to your credit report, and they can be a very valuable tool to help protect you from <a href="https://www.zanderins.com/identity-theft-protection">identity theft</a>.<span class="Apple-converted-space">  </span>However, while they might seem like an ideal (even easy) way to combat identity theft as a stand-alone defense, many people overlook several factors regarding their effectiveness and convenience.</p>
<p>First, your credit is accessed more often than you think. If you place a freeze on your credit report, then every time you sign up for utilities, activate new cell phone service, or apply for insurance, you would have to “unfreeze” your credit, which could take up to 48 hours.??Then you have to go through the trouble of placing the freeze again after each transaction.??It’s not exactly a convenient process.</p>
<p>Additionally, the risk of identity theft goes far beyond your credit – in fact, only about 21% of ID theft is credit-related.??Thieves are finding new ways to exploit your information in unique and terrifying ways, like medical ID theft, home title fraud, employment fraud, utilities fraud, Social Security Fraud, and more. None of these types of fraud are credit related, and would therefore not be thwarted by a credit freeze.</p>
<p>That’s why Dave Ramsey recommends Zander ID Theft Solutions even if you place a freeze on your credit.??Because Zander covers all types of identity theft, as well as acts of crime committed in your name, our plan is the most comprehensive in the industry. Not only does our program take over the work to make sure your identity is restored to its pre-theft status, it’s also the most affordable plan on the market.???For these reasons and more, we’ve earned Dave’s trust and his business – our plan is the only one he uses for his family and his team!</p>
<p>Learn more about Zander’s ID Theft program by giving us a call at <a href="tel:1-800-356-4282">800-356-4282</a>.</p>


Read about preventing identity theft and why credit freezes do not help from Zander Insurance in Tennessee endorsed by Dave Ramsey.

Preventing Identity Theft - Credit Freezes and Protection

Why Freezing Your Credit Won’t Stop Identity Theft

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3385" src="https://wp-stg.zanderins.com/wp-content/uploads/100.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/04/20212151/100.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/04/20212151/100-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/04/20212151/100-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/04/20212151/100-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>In the United States, tornadoes cost billions of dollars in damage each year.<sup>(</sup><sup>1</sup><sup>)</sup> Even if you’re not in the direct path of a tornado, the wind, hail, and rain is enough to make everyone take cover and pray their home doesn’t flood or lose a roof!</p>
<p>We’re in the thick of tornado season, but with the right homeowners insurance policy you don’t have to worry about storm damage destroying your bank account. Here’s how to make sure your policy provides the coverage you need.</p>
<h3>Does My Homeowners Insurance Cover Tornado and Storm Damage?</h3>
<p>Whether or not your insurance covers tornado damage depends on where you live, the type and amount of coverage you have, and what causes the damage. Most policies will cover storm damage caused by the following perils:</p>
<ul>
<li>Wind</li>
<li>Hail</li>
<li>Fire</li>
<li>Lightning strikes</li>
<li>Falling objects</li>
<li>Explosion</li>
</ul>
<p>If your policy covers those risks, look for the dwelling coverage portion of your policy. That would be the amount dispersed to help pay to repair or rebuild your home. Then, find the personal property coverage amount. That portion would help pay to repair or replace your personal items that were damaged or destroyed inside the home.</p>
<p>There are usually limits to the amount your policy will pay toward any of these losses. It’s always important to carefully read your homeowners insurance policy and know what risks it may or may not cover. We can help you review your coverage so you can determine whether your limits are what they should be for your home.</p>
<p>Keep in mind that flood insurance is almost always in its own category. So if a storm causes flooding in your home, even if your policy covers many other damages — like wind and hail — damage caused by flooding would likely not be covered. Let us know if you’re concerned about flooding in your area.</p>
<h3>Protecting Your Home against Tornadoes</h3>
<p>At Zander Insurance, we don’t believe in one-size-fits-all coverage. Our Guides shop over a dozen of the top insurance companies to tailor policies that fit your unique needs and location (like if you happen to live in Tornado Alley)!</p>
<p>What makes Zander unique? We’ve got your back for the life of your policy. That’s how we’ve served our clients for nearly 100 years.</p>
<p>Don’t stress over tornado season. <a href="https://www.zanderins.com/other-insurance/home-insurance">Get in touch with Zander to get covered today!</a></p>
<p><em>(1) Insurance Information Institute, 2018</em></p>


Find out are you prepared for tornado season and if your home is protected with homeowners insurance coverage from Zander Insurance.

Are You Prepared For Tornado Season | Zander Insurance

Tornado Season: Are You Prepared?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3482" src="https://wp-stg.zanderins.com/wp-content/uploads/24-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/21185354/24-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/21185354/24-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/21185354/24-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/21185354/24-3-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Whether it’s concern for the climate or gas prices, there are plenty of reasons to opt for an eco-friendly car. Keep in mind, however, that while you work to save the earth, you <em>might </em>not be saving cash. Your insurance premiums will likely be a bit more expensive for alternative-energy vehicles. Cost isn’t the only factor to consider, but shouldn’t be overlooked if you’re pinching pennies and considering a going green to create more space in your budget.</p>
<h2>Why does environmentally-friendly auto insurance cost more?</h2>
<p>The cost of your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a> depends, in part, on the cost of your vehicle. If your car costs more, so do the parts that must be replaced or repaired if damaged. Comprehensive and collision coverage premiums in particular may be priced higher for your hybrid or electric vehicle because the parts are less common and are typically more expensive to replace. As cars with alternative fuel sources become more common, this will become less of an issue.</p>
<h2><strong>So – <em>do </em>you pay more in the long run?</strong></h2>
<p>It’s hard to say, and as with most insurance questions, the answer to this depends on your personal circumstances. Generally speaking, choosing a hybrid or electric probably isn’t the best way to go if your motives are purely economic. In most cases, you’ll save more in the long run with a pre-owned gas-engine vehicle. But don’t fret – there are other ways to decrease the toxins (and <em>cash</em>) you’re putting out on your commute. Consider carpooling, moving closer to work, or trading in your gas-guzzler for a used vehicle with better mileage.</p>
<p>If social responsibility is what’s fueling your decision, don’t let your auto premiums discourage you. An independent agent can compare rates from various companies to see where you can get the best deal. Some insurance companies also offer discounts to incentivize drivers to go green, so ask your agent about those options as well. Allstate, Farmers, 21st Century, The Hartford Group, Liberty Mutual, and Travelers are a few companies who have offered some type of incentive to decrease your carbon footprint. As more businesses trend toward social responsibility, these discounts may become more widely available.</p>
<p>If you’re still crunching numbers and unsure of where to turn next, give us a call. Our Guides are well-versed in which companies offer these discounts and can help you determine what your options are.</p>


Read information about if you pay more for having an eco-friendly car from Zander Insurance including how it impacts insurance rates.

Do You Pay More For Having An Eco-Friendly Car | Zander

Do you pay more for having an eco-friendly car?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3308" src="https://wp-stg.zanderins.com/wp-content/uploads/73.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201846/73.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201846/73-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201846/73-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201846/73-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>His running earned him the title of the 1982 NCAA Track and Field All-American, a spot in the 1984 Olympic Trials, and the record for the Men’s Outdoor 800-Meter at Ohio State University, which he still holds to this day. Scott Rider was active and healthy, achieving more athletic accomplishments in his early years than most people do in an entire lifetime.</p>
<p><strong><span style="font-size: 25px; line-height: 50px; color: #1077af;">That’s why it came as such a surprise that, at just 47 years old, Scott was diagnosed with Parkinson’s disease.</span></strong></p>
<h2><strong>That diagnosis was Scott’s <em>moment.</em><br />
</strong></h2>
<p>After years of being misdiagnosed, he had an answer to what was wrong. A problem that started out so small and subtle turned out to be much bigger than he could have imagined. Scott’s life <em>did </em>change – drastically – but it didn’t come to a halt. Fortunately, he and his family were able to maintain their lifestyle, thanks to the fact that Scott had taken out a disability insurance policy years earlier. Today, that policy helps cover his medical bills and provides enough income for his wife, Kelly, to stay at home and work as his caregiver.</p>
<p><strong><span style="font-size: 25px; line-height: 50px; color: #1077af;">“Without it, I don’t know where I’d be. I feel fortunate that I understood early on that my income was my most valuable asset, and that I needed to insure it.” – Scott<br />
</span></strong></p>
<p>Scott’s story shows us that no matter how healthy we are, none of us knows what the future may hold. Your ability to earn an income is your most valuable asset, and it’s one that needs to be protected. Make sure that you are taken care of, no matter what you <em>moment </em>may be.</p>
<h2><strong>What does Dave recommend?</strong></h2>
<p>Dave Ramsey recommends Zander for <a href="https://www.zanderins.com/disability-insurance-instant-quotes">long-term disability insurance</a>. A good policy will cover 60-70% of your income for a minimum period of five years (or to age 65 if that’s within your budget). A 90-day elimination period (time until your benefits kick in) is standard, but your price will go down substantially if you select a 180-day period instead. Pro tip: prepare for a longer elimination period by beefing up your emergency fund.</p>


Scott Rider is an Olympic athlete who got Parkinsons and learned the importance of disability insurance. Learn more about his story!

From Olympics to Parkinsons - How One Man Overcame

From Olympics to Parkinson’s: How One Man Overcame

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3371" src="https://wp-stg.zanderins.com/wp-content/uploads/97.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205740/97.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205740/97-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205740/97-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205740/97-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">When purchasing <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners insurance</a>, you’ll need to determine the value of your home. This can be tricky, but it’s one of the most important components of your policy, because it determines the amount your insurer will pay if your home is damaged or destroyed. Insurance providers rely on the homeowners to value their home, leaving people at risk for having too little insurance. Follow these tips to get the right amount of coverage for your home.</p>
<p class="p1">It’s important to keep in mind that the replacement cost of your home and the appraised/market value are not the same thing. The market value of your home is dependent upon what similar houses in your market are selling for; whereas the replacement cost to insure a home is based on the cost to rebuild a home. In today’s economy, the market value for homes is going down, and due to inflation and building costs, the replacement cost to insure a home is rising. To determine the appropriate replacement cost, you’ll want to look at the building costs per sq. ft in your area as well as the specialty features of your home.</p>
<p class="p1">Another important determinant to keep in mind is whether your insurer offers guaranteed replacement cost. If they don’t, and you’re underinsured, this could mean you’re left to shoulder the bill if something were to happen to your home. That’s why Dave Ramsey strongly recommends either a guaranteed replacement cost or extended replacement cost on your policy. Determining the appropriate value for your home can be tricky, but obtaining the right coverage based on the value of your home is an important step in protecting your home.</p>


Look at details about what value I do insure my home for and how much of it should be covered from Zander Insurance in Tennessee.

What Value Do I Insure My Home | Zander Insurance

At What Value Do I Insure My Home?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3190" src="https://wp-stg.zanderins.com/wp-content/uploads/26-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/06/17213735/26-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/06/17213735/26-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/06/17213735/26-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2019/06/17213735/26-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>This information is intended for non-specific/general use only. Please consult your tax, legal or professional advisor with respect to your personal situation.</p>
<h2>1) Should I name my estate as beneficiary?</h2>
<p>No. This measure should only be considered in very unusual and specific situations. By naming your estate as beneficiary, you expose the proceeds of the policy to potential state inheritance and federal estate taxes. Additionally, creditors now have access to the funds since many states protect beneficiaries such as spouses, children, siblings, etc., but not an insured&#8217;s estate. Your state of residence and personal financial situation must be considered, but naming a specific individual or organization, as beneficiary will help assure they receive the policy benefits while limiting tax liabilities.</p>
<h2>2) Is it advisable to name my minor children or grandchildren as beneficiary?</h2>
<p>No. Providing a child with a significant sum of money is often a mistake and does not allow the policy proceeds to be used as intended. Many states tie up the proceeds and make it time consuming and expensive to access the funds. Others require guardians or custodians, not directed by you, to be appointed and regulate the funds at their discretion. To avoid these situations, the establishment of life insurance or testamentary trusts (set up through your will) can be extremely beneficial. Costs for the establishment of these trusts can be minimal and provide the appropriate control to help achieve the goals you set for your children or grandchildren&#8217;s future. Consult your tax and or legal advisor with respect to your personal situation.</p>
<h2>3) Do I really need to name a contingent beneficiary?</h2>
<p>Yes! If the beneficiary you have listed dies prior to the insured person, even if by only a few minutes, and no contingent beneficiary has been named, then the policy proceeds are paid to the insured&#8217;s estate. As previously mentioned this can cause significant tax liability one that could be avoided by the designation of a contingent beneficiary. The naming of a contingent beneficiary does not affect the payment of the policy proceeds if the primary beneficiary is still alive. The contingent beneficiary has no rights to any policy proceeds unless the primary beneficiary has predeceased the insured person.</p>
<h2>4) Should I be the owner of my policy?</h2>
<p>The answer to this question depends on the size of your estate. If the amount of your estate, including your life insurance, does not exceed the current unified tax credit limit, then owning your own policy does not cause any federal estate tax liability. However, if your estate does exceed the unified tax credit limit then the ownership of your own policy increases the size of your estate and can raise your estate tax liability. In many cases a spouse can act as the owner and eliminate this potential problem. Please consult with us or your legal counsel if you feel this circumstance may apply to you.</p>
<h2>5) How often should I review my policy?</h2>
<p>We generally recommend a review every two to three years. This does not mean changing policies or companies unless there has been a change in your underwriting eligibility (le: quit smoking, improved health, lifestyle/avocation change, etc.). We suggest reviewing the ownership and beneficiary designations along with other policy features to assure that any changes that have occurred over the years have been addressed. Many people forget to add their new born children to a new policy or make changes to the primary and contingent beneficiary designations once the policy is in force. Be sure that the people you want to benefit from the policy proceeds are appropriately named and the policy reflects your most recent desires.</p>


Read about term life insurance tips from Zander Insurance in TN including common questions like naming your estate and beneficiaries.

Term Life Insurance Tips | Zander Insurance in TN

Life Insurance Tips

<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3441" src="https://wp-stg.zanderins.com/wp-content/uploads/9-8.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/21180238/9-8.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/21180238/9-8-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/21180238/9-8-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/21180238/9-8-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Check Reporting Agencies</h2>
<p>A Check Reporting Agency reports on consumer’s check writing histories, specifically highlighting incidents of fraud and bounced checks. Lending institutions use these reports to determine whether or not to open checking accounts for individuals.</p>
<h2>Check Washing</h2>
<p>Check washing is another method identity thieves use to steal from you. They dip your check in acetone, which washes the ink off so they can write it for a higher amount.</p>
<h2>Credit Reporting Agency (CRA)</h2>
<p>There are three major credit reporting agencies: Experian, Equifax and TransUnion. They keep track of your credit records, and issue credit reports to those who have a legitimate reason for needing to know your credit history.</p>
<h2>Data Breach</h2>
<p>Occurs when there is unauthorized access to company data including personal and financial information such as Names, Addresses, Social Security Numbers, Bank Account Numbers, Employer information, Medical Insurance and Credit Card Numbers.</p>
<h2>Dumpster Diving</h2>
<p>Dumpster diving is another method identity thieves use to obtain your personal information. They go through garbage bins for people’s personal information. That’s why it’s very important to always shred your important documents before throwing them out.</p>
<h2>Fair Credit Reporting Act (FCRA)</h2>
<p>The FCRA is a U. S. federal law that gives everyone the right to see what the CRA’s have on file in their credit report. It also outlines permissible purposes for obtaining a periodic free copy of a credit report. And if there are inaccuracies found, they have the right to dispute them.</p>
<h2>Fraud Alert</h2>
<p>A fraud alert can be put on your credit report at the CRA’s if and when you become an identity theft victim. It’s intention is to let everyone know that someone may be trying to obtain new credit in your name, so the process will be very closely scrutinized. In practice, however, this safeguard accomplishes very little as it is often ignored or missed.</p>
<h2>Identity Fraud</h2>
<p>Identity fraud differs from identity theft in that the thief uses personal information that he’s made up, rather than information he’s stolen from a real person.</p>
<h2>Identity Theft</h2>
<p><a href="https://www.zanderins.com/identity-theft-protection">Identity theft</a>, one of the worst crimes in the world, occurs when a thief uses someone else’s personal information as his own, thereby creating a new identity of an existing person. The new identity then applies for any form of credit he can get. The most common things an identity thief steals are: your name and address, your Social Security (Insurance) Number, your driver’s license number, your employee ID number, your mother’s maiden name, and any account information, including bank accounts and credit accounts.</p>
<h2>Identity Theft Passport</h2>
<p>Identity Theft Passport programs, are available in a few states such as Ohio and Virginia. The “Passport” is a method of demonstrating to law enforcement and creditors that their identity has been stolen, and of rehabilitating their credit history and identifying any fraudulent criminal charges.</p>
<h2>Mail Fraud</h2>
<p>Mail fraud is a method identity thieves use to obtain your personal information. They steal your mail, which may include pre-approved credit card applications or any other information that will help them get credit in your name.</p>
<h2>Notification Letter</h2>
<p>A notification to an individual that has been affected by a data breach.</p>
<h2>Opt-out</h2>
<p>When you opt-out, you notify a financial institution, insurance company, CRA, or any other company that sells your personal information, that you don’t want your information shared. This is your right, and it protects you from unwanted junk mail and phone calls, not to mention identity theft.</p>
<h2>Phishing</h2>
<p>The act of tricking someone into giving them confidential information or tricking them into doing something that they normally wouldn’t do or shouldn’t do. For example: sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.</p>
<h2>Red Flags Rule</h2>
<p>A law the FTC will begin to enforce in August of 2009 requires certain businesses and organizations including doctors offices, hospitals, finance companies, auto dealers, mortgage brokers, utilities, telecommunication companies, etc to develop a written program to spot the warning signs of identity theft.</p>
<h2>Shoulder Surfing</h2>
<p>Shoulder surfing is the name given to the procedure that identity thieves use to find out your PIN. They either hang around close to the ATM, or wherever you may be entering your PIN, or they can even watch from a distance, using binoculars. Once they have your PIN, you’re in trouble.</p>
<h2>Skimming</h2>
<p>Skimming is another method identity thieves use to get your personal information. It’s usually done by an employee of a restaurant, a gas station, or any other place where you swipe your card. They have little swiping tools of their own, which they use to quickly swipe your card. A good way to prevent skimming is to always swipe your own card.</p>
<h2>Tweaker</h2>
<p>Street term used to describe meth-amphetamine addicts. These addicts often form ID Theft rings to finance their illegal drug habits. Tweakers are drawn to ID Theft because of its relatively low conviction rate and because of the hours they can spend falsifying documents while “on a tweak”.</p>


Look at the identity theft protection terms you should know provided by Zander Insurance in Tennessee and endorsed by Dave Ramsey.

Identity Theft Protection Terms | Zander Insurance

Identity Theft: Terms You Should Know

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3250" src="https://wp-stg.zanderins.com/wp-content/uploads/62-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173932/62-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173932/62-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173932/62-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173932/62-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<h2>When severe weather hits, the most important thing you can have is a plan. At Zander Insurance, we want our clients to know that we’ve got your back before and after an inclement weather event, so we’ve provided some tips to help you, your family, and your home withstand the storms.</h2>
<hr />
<h2>Tornadoes</h2>
<p>Tornadoes often come with little to no warning and, with speeds reaching up to 70 MPH, give you minimal time to find a safe space for shelter.</p>
<h3><strong><u>Before the Tornado</u></strong></h3>
<p><strong>Plan a Family Tornado Drill</strong></p>
<p>Everyone in your family must know what to do and where to go in the event of a tornado. During your practice drill, you should make sure to say what rooms in your home/apartment building are the safest to be in if a tornado happens.</p>
<p><strong>Recognize the Warning Signs</strong></p>
<ul>
<li>Dark skies, often greenish in hue</li>
<li>Sizeable hail</li>
<li>Large, low-lying dark clouds (especially if rotating)</li>
<li>Loud roar, similar to a freight train</li>
</ul>
<h3><strong><u>During the Tornado</u></strong></h3>
<p><strong>Get To Shelter</strong></p>
<p>If you have access to a safe room, get there fast. If you do not have a safe room &#8212; or if there is no time to reach it – get to the most secure place you can find, putting as many walls (and ceilings) between you and the tornado as possible. In the event you aren’t home, seek shelter in the closest building to you and head to the lowest floor. Most importantly, do not try to outrun it, even if you are in a car. If you’re in a vehicle and there are no nearby structures to seek shelter, fasten your seatbelt and cover your head.  Don’t park your vehicle under a bridge or overpass – these structures can collapse during a tornado.</p>
<p>Don’t worry if you live in a high-rise building or don’t have a basement; simply go to a bathroom or closet, or the lowest floor. You could take shelter under a stairwell, but make sure to cover yourself with paddings, like a mattress or blankets, to protect against flying debris.</p>
<p><strong>Get the Word Out</strong></p>
<p>Call neighbors and loved ones to ensure they know when the area is affected by a tornado watch, and use social media to encourage people to get somewhere safe.</p>
<h3><strong><u>After the Tornado</u></strong></h3>
<p>Looking for damage after the tornado should only be done once the tornado warning has expired. Even if it looks calm out, that doesn’t mean it is safe to go out. Once you have received the all-clear to leave your shelter, be cautious when checking damages to your house and vehicle. Also make sure to report any downed power lines or issues with your utilities.</p>
<h2>Floods</h2>
<p>Before preparing for a flood, it is important to discern between a flood watch versus a warning. The Red Cross notes that a flood watch means, based on conditions, it is likely for a flood or flash flood to occur. However, a flood warning means that either a flood or flash flood is about to happen or <em>is</em> happening.</p>
<h3><strong><u>Before a Flood</u></strong></h3>
<p>It is important to take these steps to help protect your family and home:</p>
<ul>
<li>Clear gutters and downspouts of debris, so water can run freely.</li>
<li>Elevate furniture and electronics; set appliances on concrete blocks.</li>
<li>Know what route you’re taking in the event of an evacuation.</li>
<li>Shut off utilities if the breaker panel could end up underwater.</li>
<li>Fill your car’s gas tank and pack an emergency kit at the first notification of a flood watch.</li>
<li>If time allows, consider placing sandbags around your home.</li>
</ul>
<h3><strong><u>During a Flood</u></strong></h3>
<p>If you are told to evacuate, make sure you do so as soon as possible to avoid getting stuck. If evacuation is not necessary for your area, keep track of the news via television or weather radio to be aware of any weather changes and get to the high ground if necessary. It is important to not walk, swim, or drive through flooded waters as they could contain debris or sewage.  Even worse, currents could sweep you away and cause injury or death.</p>
<h3><strong><u>After a Flood </u></strong></h3>
<p>If you are evacuated, only return home once authorities say it is safe to do so. Once you arrive home, be wary of floodwater as it can contain dangerous debris or be electrically charged from downed power lines. Make sure to clean anything that got wet during the flood to avoid growing hazardous mold. If there is still floodwater in your area, avoid driving unless it is an emergency.</p>
<h2>Hurricanes</h2>
<h3><strong><u>Before a Hurricane</u></strong></h3>
<p><strong>Stock Emergency Supplies </strong></p>
<ul>
<li>1 gallon of water per person per day, for at least three days</li>
<li>At least a three-day supply of nonperishable foods</li>
<li>Flashlight(s) and extra batteries</li>
<li>First-aid kit</li>
<li>Necessary medications, including glasses and contact lenses</li>
</ul>
<p><strong>Document Belongings</strong></p>
<p>Take photos of all your possessions, your home, deck, vehicles, etc. before the storm hits, in the event you need to document damage afterward.</p>
<p><strong>Fill Your Bathtub with Water</strong></p>
<p>Before the hurricane, fill your bathtub with water to use in the event your water supply is cut off and you need to clean clothes, dishes or add water to flush toilets.</p>
<p>Bring in all lawn furniture and anchor objects that cannot be brought inside.</p>
<h3><strong><u>During a Hurricane </u></strong></h3>
<p>Take shelter in the safest room in your house and stay there until the storm is over. In most cases, the safest place to be is your basement.</p>
<p>If your power goes out, to avoid the threat of fire, don’t use candles. Use only flashlights and battery-operated lanterns for illumination.</p>
<h3><strong><u>After A Hurricane</u></strong></h3>
<p>Wait until it has been confirmed that the hurricane has passed. Just because the weather has died down doesn’t mean it is safe to go outside – it could just be the eye of the storm.</p>
<p>Once you have received the okay to leave your house, only drive if necessary and be sure to avoid flooded roads. In your home, do not drink the tap water until it has been confirmed as contamination-free. Be sure to take photos and create a list of all damages your home, property, or vehicle might have sustained and then contact your insurance company to report the damage and file a claim.</p>
<p>In the event of a disaster, the Personal Lines Team is here for you! We are not only part of your community, but we live here as well. Our team can help you with reporting a claim and help you get back on the road to recovery. We have a mobile team that can work from just about anywhere. In the unfortunate event of a catastrophe, please call us at 800-356-4282. We will be glad to help.</p>


When severe whether hits follow these tips to stay safe. For your home insurance coverage, Zander Insurance is here to help you weather the storm.

Tips to Help You Weather the Storms | Zander Insurance

Tips to Help You Weather the Storms

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3065" src="https://wp-stg.zanderins.com/wp-content/uploads/2024-identity-theft-trends.png" alt="202" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/04/30134629/2024-identity-theft-trends.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/04/30134629/2024-identity-theft-trends-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/04/30134629/2024-identity-theft-trends-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/04/30134629/2024-identity-theft-trends-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Below are 8 of the top trends used by cyber-thieves to steal your personal information. Keep in mind that the landscape of cybersecurity and fraud is constantly evolving, and new techniques emerge all the time.</span></p>
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<p>Once they have your personal information, they can sell it on the dark web or use it for fraudulent activities. The best way to protect your identity from these ever-changing tactics is with a good ID Theft protection plan that provides <strong>monitoring</strong>, <strong>VPN encryption</strong>, and <strong>full recovery services</strong> including reimbursement for expenses and stolen funds.</p>
<ol>
<li><b><span data-contrast="auto">Phishing Attacks</span></b><span data-contrast="auto">: </span>Phishing remains a common method for stealing personal information. Attackers often use increasingly sophisticated tactics, such as spear-phishing, where they target specific individuals with personalized messages.</li>
<li><b><span data-contrast="auto">Ransomware Attacks</span></b><span data-contrast="auto">: While traditionally associated with encrypting files for extortion, ransomware attacks have evolved to include threats of leaking sensitive information. Attackers may steal data before encrypting it, using the threat of public exposure to extort victims.</span></li>
<li><b><span data-contrast="auto">Synthetic Identity Theft</span></b><span data-contrast="auto">: </span>Instead of stealing an individual&#8217;s entire identity, attackers may create synthetic identities by combining real and fake information. This makes it harder to detect fraudulent activities.</li>
<li><b><span data-contrast="auto">Credential Stuffing</span></b><span data-contrast="auto">: With numerous data breaches exposing usernames and passwords, attackers use automated tools to test these credentials on multiple websites, exploiting the fact that people often reuse passwords.</span></li>
<li><b><span data-contrast="auto">Mobile-Related Attacks</span></b><span data-contrast="auto">: As more transactions occur through mobile devices, attackers focus on mobile-specific vulnerabilities, such as SIM card swapping and mobile malware.</span></li>
<li><b><span data-contrast="auto">Deepfakes and Biometric Fraud</span></b><span data-contrast="auto">: </span>The rise of deepfake technology poses a threat to biometric authentication systems. Fraudsters can use manipulated audio or video to impersonate individuals and gain unauthorized access.</li>
<li><b><span data-contrast="auto">Business Email Compromise</span></b><span data-contrast="auto"> (BEC): BEC attacks involve compromising business email accounts to conduct fraudulent activities, such as unauthorized fund transfers or gaining access to sensitive information.</span></li>
<li><b><span data-contrast="auto">IoT (Internet of Things) Vulnerabilities</span></b><span data-contrast="auto">: As more devices connect to the internet, the potential for identity theft increases. Weak security measures on IoT devices can be exploited by attackers.</span></li>
</ol>
<p><span data-contrast="auto">To stay updated on the latest trends in identity theft and fraud, it&#8217;s essential to regularly check reliable cybersecurity sources and news updates. Additionally, individuals and organizations should implement strong security practices, use multi-factor authentication, stay informed about potential threats, and protect themselves with a good </span><a href="https://www.zanderins.com/identity-theft-protection/"><span data-contrast="none">ID Theft protection plan</span></a><span data-contrast="auto">.</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}"> </span></p>
<p><span data-contrast="auto">Call Zander Insurance at 800-356-4282 if you have any questions about ID Theft protection or?</span><a href="https://www.zanderins.com/contact-us"><span data-contrast="none">send us a message</span></a><span data-contrast="auto">?today!</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}"> </span></p>


Find out more about the identity theft trends happening in 2024. Learn how to protect yourself with Zander Insurance.

ID Theft Trends for 2024

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3549" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Yes, you can. However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already have a significant amount of insurance in place and apply for another policy, the insurance company could limit the amount for which you are approved in order to keep you from being over insured. Remember, <a href="https://www.zanderins.com/blog/how-much">Dave recommends</a> having 10-12 times your annual income in term life coverage, whether it is in one policy or split between multiple policies.</p>


Yes, you can. However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already have a significant amount of insurance in place and apply for another policy, the insurance company could limit [&hellip;]


Can I Have Multiple Life Insurance Policies at the Same Time?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3550" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>When Dave and his team recommend that families carry 10 to 12 times their income in term life insurance protection, he is referring to <strong>gross annual</strong> <strong>income</strong>.  The reason is that, although the death benefit of a life insurance policy is received tax free, once those funds are invested to generate an income for the surviving family members those earnings will still be taxed as a form of income, reducing their overall purchasing power.</p>
<p>The amount of tax may vary based on earned or unearned income but, with taxes expected to stay level or increase over time (and factoring in the overall low cost of term life insurance), the best approach is to insure to the gross value.</p>


When Dave and his team recommend that families carry 10 to 12 times their income in term life insurance protection, he is referring to gross annual income.  The reason is that, although the death benefit of a life insurance policy is received tax free, once those funds are invested to generate an income for the surviving family [&hellip;]


Do I Base the Amount of Life Insurance I Get on My Gross or Net Income?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3551" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
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<p>Dave Ramsey does not recommend purchasing “waiver of premium” riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. However, the definition of “disability” is so strict that very few people actually qualify. In addition, term life insurance rates are typically very low and can be funded by your emergency fund if you have short-term income issues, then through your <a href="https://www.zanderins.com/disability-insurance/instant-quotes" target="_blank" rel="noopener">long-term disability insurance</a> if loss of income due to disability continues for a longer period.</p>


&nbsp; Dave Ramsey does not recommend purchasing “waiver of premium” riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. [&hellip;]


Does Dave Recommend Waiver of Premium Riders?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3552" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Insurance companies typically only require that you be tobacco-free for 12 months before offering a non-tobacco rate. This is not their lowest Preferred Plus rate, but still represents a strong savings as compared to the smoker rates. If you have not gone a full year tobacco-free, it really depends on the time you have left to reach this accomplishment. Dave still recommends buying the longer term period, which is more expensive, but just for the one year. It locks in your rate at a younger age and is still beneficial in the event you do not complete the entire 12-month period. If at 12 months you are tobacco-free, you can apply for a new non-smoker plan and benefit from the lower rates. At the three-year point, you are eligible for the Preferred Plus health class (lowest rate), if you would otherwise qualify for it . Dave’s primary advice is that you get what your family needs <em>now</em> since we can’t predict the future, and then adjust as things improve. You can <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">compare term life insurance rates online</a> or call us toll free at 1-800-356-4282 for personal assistance.</p>


Insurance companies typically only require that you be tobacco-free for 12 months before offering a non-tobacco rate. This is not their lowest Preferred Plus rate, but still represents a strong savings as compared to the smoker rates. If you have not gone a full year tobacco-free, it really depends on the time you have left [&hellip;]


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