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Whole Life Insurance: What Is It, and Why Do I Need It?

Mar 23 , 2016

by Tri-Star Blogging Team

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Whole Life Insurance: What Is It, and Why Do I Need It?

Whole life insurance gives you the bang for your buck you’re looking for. Protecting your family is important because you never truly know what lies ahead. A permanent - or whole - policy remains in effect from the day you purchase it until the day you pass away (as long as the premiums are paid, of course), unlike a term life insurance policy which is only active from the day you purchase it until the day your term is up. Learn what your whole life insurance policy’s death benefit can be used for, and what things can be covered by your policy's cash value. The death benefit of your whole Read Full Post

Is my business eligible for tax credits via ACA?

Some businesses will find that they will be eligible for tax credits under the new Affordable Care Act that is being implemented to provide affordable health care for all Americans. Small businesses in particular will find that they can claim tax credits due to the Affordable Care Act. Small businesses are businesses that have under 50 employees and they are considered "small group" coverage. Small groups have different benefits and regulations than large groups, which are companies that have 50 or more employees. However, the majority of tax credits will be given to individuals after the Read Full Post

An app for texting and driving?

Do you have a problem with texting while driving? Perhaps you have a teenager who may. Well, in the case of the AT&T DriveMode app, the problem may now be part of the solution. AT&T’s DriveMode app is a free app that is available for downloading into a smartphone. When activated, the app prevents the user from responding to texts while the vehicle they are in is in motion. Even better is the fact that it will automatically respond to messages sent to the phone with a custom note. Hopefully, the message is a polite one that lets the sender know that their message has been Read Full Post

Fireproof Your Home this Summer

The hot summer months have been proven to be dangerous months as far as house fires are concerned, and the current drought in Texas may be making it even more dangerous. However, those that want to fireproof their home may be able to find ways to minimize their potential risk or protect themselves from serious damage in the event that a fire does occur. Homeowners should make sure that they have working smoke detectors and that they do not keep any open flames within their home. Candles are dangerous ordinarily but even more so during the dry summer months. Homeowners will also want to get Read Full Post

Water Conservation this Summer in Texas

As it gets hotter out there in Texas many families and individuals may be using more water. However, water conservation is extremely important for those in Texas because of the current drought. Homeowners should take some steps to make sure that they don't waste any water during this time. Homeowners may want to water early in the day or water late in the day because watering during the day itself is very likely to cause much of the water to evaporate before it has any effect on the plants. However, homeowners are not advised to reduce watering because this might cause dry brush that will Read Full Post

Coming Changes to the Health Arena in 2014

There are many changes that are coming to health care as of January 1, 2014. One of the major differences that will be applied to health care is guaranteed issue, which means that insurance can no longer be denied to people based on prior health conditions or prior medical history. This means that many more people will be covered than before, and may contribute to the overall health of individuals. Health care will also require that a minimum standard be achieved. This minimum standard will include such things as emergency room visits, maternity care, pediatric care and care for long term Read Full Post

Term Life vs Whole Life Insurance

One of the most basic decisions a person has to make about their insurance is whether they should get term life insurance or whole life insurance. Both of these insurance packages have a different set of benefits and drawbacks and they are applicable to different types of situation. Term life insurance will insure someone for a specific term, and once this term has run out the insured person will need to create a new policy. Whole life insurance operates much like an investment account and allows the insured person to remain insured for the rest of their life because they have a vested Read Full Post

Win a TV From TriStar!!

Enter our TriStar Insurance Professionals' Referral Program giveaway. Just be a part our Customer Appreciation Referral Service program (CARS) and you have three ways to win! For every new name that you give us, TriStar will send you three 3 lottery scratch off tickets. In addition, we will enter your name in our monthly $25.00 VISA CASH Card drawing. Finally, each referral gives you a chance to win our grand prize, a flat screen HD TV. On top of that, TriStar will donate $5 to charity for each referral we get. You don't even have to be a customer to join the promotion and win a TV! Anyone Read Full Post

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Subscribe to our newsletter today to get regular updates on the insurance market. These updates are invaluable to businesses and individuals that are concerned about the way insurance may be changing and want to be the first to know about any events. Businesses may wish to be updated regularly on business insurance needs or health care changes that may apply to them, and individuals may want to know what is going on with individual health insurance initiatives or simply want to get the best deals on automobile insurance rates. TriStar Insurance serves a wide variety of insurance needs for Read Full Post

4 Types of Insurance Required for Businesses

Business owners need to be aware of the different types of insurance that they are required to have. There are four types of insurance that are absolutely required for business owners to maintain, and if they do not have these types of insurance they may face penalties and fines. Liability insurance is one of the largest expenses for most businesses but it is extremely important. Liability insurance is intended to pay out in the event that anything happens that the business is liable for and it is calculated based on the risk that the business represents, which is primarily based on Read Full Post