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PROTECTION -- SERVICE -- TRUST...."We're there when it matters!" | |
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Individuals & Families
Who has time to think about insurance? We do! What's important
to you? Then, with the help of our computer technology, we analyze your individual situation. This free analysis provides the basis for a plan, a comprehensive insurance strategy specific to your own personal and/or business situation. We do the
work for you. Knowledge
is your best insurance.
Property and Liability are two of coverages we offer. The average consumer is frequently confused by all of the terms and policies. That’s where our friendly, well-informed agents can help you. They will work with you to determine your personal insurance needs and how best to meet those needs. As a Baker
Insurance client, you can expect courteous, considerate
attention to your needs from our team of Customer Account Representatives.
Someone familiar with your account will be available to give you
the service and answer your questions.
Personal Auto Purchasing your auto insurance is not that easy either! Even though all auto insurance policies may appear the same, not all are created equal. You need to purchase a policy that gives you the best insurance protection and value for your money. Your vehicle is probably the second largest investment you'll make in your lifetime and Baker Insurance makes protecting your investment easy. Whether it's a car used for family transportation or a sports car used for a Sunday drive, we offer several policies to protect you in the event of a loss. We also offer discounts for air bags, anti-lock brakes, and other safety devices. If you're a good driver who's interested in purchasing quality auto
insurance, call us today.
You receive better protection for certain valuables with a personal valuables policy because you can schedule each item on your Homeowners policy at its specific value and receive a discount. A bill of sale or recent appraisal may be all you need to show the proper insurable value for most items. Your special personal valuables will be covered wherever they’re located throughout the world for direct physical loss or damage, unless specifically excluded by the policy.
A Personal Umbrella will help you better protect your family from serious financial loss. You may be surprised at the affordable cost.
Optional coverages include:
Be sure to ask us about our “Special” Class II coverage for houseboats, cruisers, yachts and large sailboats.
Term life insurance protects you for a specified period of time---typically 10, 15, 20, 25 or 30 years---and pays a death benefit only if you die during that specified term of the policy. That’s why it’s commonly referred to as "temporary" life insurance. When you buy term insurance, you purchase "pure" insurance that does not include a cash value or savings feature. Term insurance is very popular because it’s usually the least expensive, simplest type of coverage. It can be a cost-effective choice if you face growing responsibilities on a limited budget, if you expect your financial responsibilities to decrease after a limited period, or if you simply want to free your funds for other uses. Over the short run, term insurance generally provides the greatest amount of protection for the least amount of premium. If premiums need to be budgeted over a longer period of time or if policy cash values are desired, a whole life or universal life policy may be more appropriate. WHOLE LIFE INSURANCE Whole life
insurance provides continuous protection, generally up to age
100, as long as premiums are paid when due. Whole life
is designed to have a level premium for the duration of the contract
and provide a guaranteed death benefit. For this reason, it is
commonly referred to as "permanent" life insurance. UNIVERSAL LIFE INSURANCE Universal life insurance is similar to Whole life Insurance because it provides continuous protection and cash value build-up. It also provides the advantage of premium and death benefit flexibility that allows the policy to keep pace with changing life circumstances. What differentiates universal life from whole life is that its cash value earns a current interest rate that is sensitive to current economic conditions. The cash value is available to the owner of the policy through policy loans or withdrawals and can be used for "living" needs such as college expenses, buying a home, emergency funds or retirement funds. The ability to work and earn an income is one of the most valuable economic assets a person possesses. At most ages, the likelihood of a serious, long-term disability is considerably greater than the probability of death. Individual disability income insurance can replace earnings lost during periods of disability. Most disability income policies provide a fixed amount of monthly benefit for a specific period of time, typically one, two or five years or until age 65. Long-term care involves a wide variety of services for people with a prolonged physical illness, disability, or cognitive disorder (such as Alzheimer’s disease). Long- term care is not one service, but many different services aimed at helping people with chronic conditions compensate for limitations in their ability to function independently. Long-term care differs from traditional medical care as it assists a person in maintaining his or her level of functioning, as opposed to care or services that assist a person to rehabilitate or correct certain medical problems. Long term care services may include, but are not limited to, help with daily activities at home, such as bathing and dressing, respite care, home health care, adult day care and care in a nursing home.
Annuities are tax-deferred savings plans that can assist in realizing retirement income needs as well as other long-term financial goals. Annuities allow money to accumulate at current interest rates until some future date. Then, the accumulated funds can be taken in one lump sum or in one of several income payout options, including a guaranteed income for life.
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