1.) Future preexisting conditions may disqualify you from obtaining health insurance.

Depending on the company and other contributing factors, you may not be allowed to receive health insurance coverage once you have been diagnosed with a preexisting condition. This can include but is not limited to, cancer and other life-altering illnesses.

2.) Medical costs are constantly skyrocketing.

Due to the vast improvements in medical technology, scientists are more equipped to discover diseases and, in turn, find treatments or possible cures. With health insurance, you are more likely to afford any treatments you or your family may need.

3.) You can receive tax benefits for having health insurance.

Every year, your tax forms should include a question pertaining to health insurance, specifically whether or not you received health coverage throughout the year. This is included in the forms as an incentive, and you can receive a tax credit that will increase your tax return.

4.) You can protect your family.

If something were to happen to a member of your family, would you be able to pay for their medical care out-of-pocket? If not, you need to consider getting a health insurance policy seriously. 

5.) As you age, it may become more challenging to qualify for health insurance.

You can be diagnosed with nearly anything at any age, but it is well-known that getting older increases your chances of certain diseases. Be proactive and safeguard your future self.

Insure It All in Idaho Falls, ID has insurance professionals who can assist you in learning the ins and outs of health insurance. Call Insure It All today, or if you are in the Idaho Falls, ID area, stop by to discuss the process with one of their agents.

Anyone living in the Idaho Falls, ID area will want to know that they are adequately insured. While there are many important forms of insurance to consider obtaining, having a life insurance plan is an excellent option as it can offer financial support and protection for those you care about. When looking at your options for coverage, you will find there are many choices to consider. You should consider the features and benefits of both term and whole-life coverage to determine which is right.

Term Life Coverage

One type of life insurance that is ideal for many people is term life insurance coverage. With a term life insurance plan, you will get to build a policy that is curtailed to meet your needs in terms of coverage and term length. This is also an ideal form of coverage as premiums tend to be affordable compared to other forms of coverage.

Whole Life Insurance

For many, whole life insurance is also an excellent option to consider. When you have a whole-life plan, you will get coverage for the rest of your life as long as you stay current with premiums. Further, some of your payment will accrue in an account and grow with interest. Eventually, you will be able to close and liquidate this account, which can also make it a good investment. 

As you are looking for a way to properly insure yourself in Idaho Falls, ID, calling Insure it All is a great way to start the process. There are a lot of choices to consider when looking for insurance, and Insure it All can offer the support you need. This will give you the comfort you need to select the right insurance plan properly. 

Commercial insurance programs feature liability elements to protect employees and owners against injuries and legal matters. Generally, these policies cater to small businesses in Idaho Falls without protections provided by corporations. The built-in liability insurance of these business entities stops customers and other parties from taking the personnel assets of directors and workers. 

What Type of Commercial Insurance do I Need?

There are several components to add to a commercial insurance policy. The most important ones depend on your business. For instance, a print-on-demand company needs less liability than a refinery.

At a minimum, a commercial policy must have general liability, which covers potential medical costs and legal fees. In some situations, firms like Insure It All cover "advertising injury" within their commercial programs. It helps protect businesses deflect claims against copyright infringement and libel. An Idaho Falls, ID organization should reach out to its insurance provider to see if the program is included in its commercial policy. 

Additional Liability Insurance

There are other forms of liability coverage within a commercial policy. For instance, workers’ compensation covers employees when they’re injured. The program pays for medical expenses and lost wages while they recover. 

Commercial auto insurance also includes liability protection. Similar to a standard policy, it pays for damages related to single or multi-vehicle accidents. Usually, it applies to vehicles driven by company employees during the work day. Therefore, a worker who gets into an accident transporting business-related materials in their vehicle receives coverage. 

There are numerous components to a commercial insurance policy. Contact a representative at Insure It All if you need more information on where to start. They will work with you to find the right policy. 

If you operate a farm as a business and not just a hobby, you may be eligible for a commercial policy that is generally less expensive than a standard policy. If you grow crops instead of raising livestock, you may be able to reduce your insurance costs further by purchasing a crop insurance policy. As with other types of insurance, the more risk you can reduce by implementing safety precautions, the lower your premium will be. You can consult Insure It All at Idaho Falls, ID. 

Discounts on Farm Insurance

You may be eligible for a reduced premium through the Farm Risk Reduction Program if you own a farm. To qualify, your farm must have a minimum value of $500,000. You must also meet one of the following criteria:

You must have a minimum gross income of $5,000 from the farm over a 3-year period. You may need a total of $1,000,000. If you are a tenant farming a property you do not own, you may be eligible for a reduced premium through the Tenant Farm Program. To qualify, your farm must have a minimum value of $250,000. You must also meet one of the following criteria: You must have a minimum gross income of $5,000 from the farm over a 3-year period. 

You may be able to save money on your premium by taking steps to prevent claims. Some common ways to get discount points include keeping your policy up to date, installing safety equipment on your property, and installing preventive measures like storm shutters on your windows. 

Contact us

Some insurance companies offer a multi-year discount if you renew your policy before the cutoff date. This can save you up to 10% on your premium. While these policies may be required, they may also offer the opportunity to bundle them with other types of insurance to reduce the overall cost. For help in Idaho Falls, ID, call Insure It All.

Each state in the US passes its own workers’ compensation insurance laws. These laws detail which businesses must purchase the insurance and which, if any, industries the state exempts from purchase. Insure It All explains which Idaho Falls, ID businesses must buy workers’ comp insurance to comply with state law.

Businesses Who Must Purchase Insurance

In Idaho, any business with at least one employee must purchase workers’ comp insurance, according to the National Federation of Independent Business (NFIB). While some solopreneurs purchase this insurance to protect themselves, the state doesn’t require it. If a solopreneur hires an assistant or other employee, the business has to buy a policy.

Exemptions to Purchase

Exemptions to the requirement to purchase do exist. They include very specific situations, including:

• a household hiring domestic workers, such as a housekeeper or butler
• sole proprietors employing members of their own family who reside in the same home
• agricultural plane pilots (crop-dusters)
• realtors working on commission
• businesses hire casual employees for occasional or irregular work unrelated to the employer’s type of business

The exemptions require some clarification. If your business is bed and breakfast, you can’t claim that the domestic workers qualify as home housekeepers. The exemptions for sole proprietors do include some family members living outside of the home, but not typically. You should first check with the Idaho Industrial Commission to ensure that you will not violate the law.

Example of Casual, Occasional Employees

Here’s an example of a business hiring a casual, occasional employee unrelated to its type of business. Suppose you hire a landscaping service or groundskeeper to upkeep your commercial building’s hedges and lawn, but your solopreneur business caters for events with fabulous cakes. In that case, you do not have to purchase workers’ comp insurance to cover the lawn crew who mows the grass every two weeks.

Let Insure It All help you properly insure your Idaho Falls, ID business. Contact us today about workers’ compensation insurance for your company.

If you have a boat, ATV, snowmobile, or any other toy in Idaho Falls, ID, you know the fun these assets give. Unfortunately, your happy moments can easily be ruined when faced with accidents. However, when you purchase toy insurance from Insure It All, you can have all the fun without worrying about mishaps. Here are the benefits of toy insurance.

Liability protection

While using your toy, you can cause injuries and property damage to other people. Suppose you are using your ATV, only to hit a rock and veer off the road, injuring the bystanders. Without liability coverage, you will have to pay for the ensuing medical expenses from your pocket. Liability claims can easily wipe out your finances.

Asset protection

Your toy doesn’t come cheap. And because it’s valuable to you, you must invest in insurance that protects your asset. Toy insurance pays you for the repairs and even the replacement of your toy when calamities happen. And the best thing is that toy insurance covers you even when parked. So, when burglars break into your property and vandalize your toy, toy insurance can come to your rescue.

Medical payments coverage

You don’t always expect accidents, but they can occur even when having fun. Worst yet, the aftermath of an accident can leave you reeling from injuries. Thankfully, toy insurance can pay for your medical bills to help you recover from your injuries.

Peace of mind

When you have invested in toy insurance, you don’t have to worry about the safety of your asset. You don’t have to keep your mind occupied worrying about liability claims. Toy insurance gives you peace of mind by assuring you everything will be okay even after calamities.

Toy insurance in Idaho Falls, ID

Ready to get started with toy insurance? Please get in touch with Insure It All for affordable coverage.

Floods are one of the most common natural disasters in the United States. They can cause significant damage to your home belongings and even put your life at risk. Flood insurance is a must for homeowners with federally backed mortgages and who live in Special Flood Hazard Areas. However, those are not the only homeowners that need to purchase flood insurance. The following are four additional reasons why you should purchase flood insurance.

1. You Live In A High-Risk Area

The Federal Emergency Management Agency (FEMA) designates two types of areas as being the highest risk for flooding – Special Flood Hazard Areas are those that have a 1% or greater chance of being flooded each year. The second type is a Moderate-to-Low Risk Area for flooding. If you live in either of these areas, you will need to purchase flood insurance.

2. You Have Experienced Substantial Damage From Flooding Before

If you have experienced damage due to flooding in the past, then it would be wise to purchase flood insurance for your home. This is because homeowners’ insurance policies do not cover the damage from flooding.

3. You Live In Areas With Undetermined Risk

If you live in an area where the risk of flooding is undetermined, it would be wise to purchase flood insurance. While being in this area doesn’t mean that your home is at high risk for flooding, it doesn’t mean that it isn’t either.

4. You Would Like Extra Protection On Your Property

Although flood insurance is not required for all homeowners, it does provide extra protection against the many risks of flooding. This can be a great asset to have in addition to a homeowner’s insurance policy. Remember, flood insurance covers your home and possessions from damage caused by flooding, not other events such as earthquakes, fires, and robberies. Be sure to check with your insurance company for more details on how flood insurance interacts with your current homeowner’s policy.

Need Flood Insurance in Idaho Falls, ID?

Flood insurance is an important type of insurance for homeowners in any location. If you would like to learn more about getting flood insurance for your home, contact Insure It All today.

Have you considered Group Benefits Insurance, and do you know what it is? Insure It All serving the residents of Idaho Falls, ID is available to assist you with any questions.

Group benefits insurance is a type of insurance that you purchase as part of a group, usually requiring approximately 70% participation. You cannot purchase it as an individual. The type of group benefits insurance you would buy usually falls into two main categories.

• Health Insurance, including dental options
• Life Insurance

Group benefits insurance is popular with employees and employers, particularly those who work in high-risk environments. When you purchase insurance as part of a group, there is the chance that the insurance premiums will be more affordable. Another great benefit of group benefits insurance is that you may be able to get the insurance you were declined for as an individual because all group members share the risk.

Group benefits insurance in the workplace is also a great way to attract employees. The larger the group is, the better it affects the overall rate you pay for your own policy when it comes to group benefits insurance. Health insurance, in particular, is pricey, and a reduced premium, especially for those with larger families or with health issues, is attractive.

Group benefits insurance is not limited to employers and employees. Formal groups or societies may also purchase group benefits insurance for their members.

Contact Insure It All!

If you are a member of a group or part of a large workforce, it is worth considering group benefits insurance. Please speak to the professional people at Insure It All serving the residents of Idaho Falls, ID today about your options!

The options when it comes to figuring out what health insurance to plan to go with can be completely overwhelming. Unless you only have one or two plans to choose from, you may have no idea where to start. 

Think about what you really need. If you are generally healthy, you may just want some insurance to cover anything catastrophic that could happen. If you have some health problems, you may want to choose a plan that will help you to get healthy and stay that way! You are going to want a plan that will help pay for specialist visits and blood work. If you already see someone, you are going to want to make sure that you can see them with the plan that you choose.

Learn the terms. Before you even start looking, you need to know what a deductible is, as well as your premium. If you are rather healthy, you may be able to get away with a smaller premium, as long as you don’t mind paying more if something happens. If you go to the doctor a lot, you may want to pay more each month, instead of shelling out a lot of money for each visit.

You need to use caution when searching online. There are a lot of scams out there, so use caution before you put your information on random websites to get health insurance. They could steal your information quickly and easily. 

If you want to make sure that you have the right health insurance plan, don’t hesitate to contact us today at Insure It All in Idaho Falls, ID. We will help you find a plan that fits your budget and your needs. 

Having proper insurance protection is very important for all people and employers. When you are assessing your different insurance options in the Idaho Falls, ID area, creating or joining a group benefits insurance plan can be a good option. There are various reasons why joining or building one of these plans could be good for you and your organization. 

Provide Benefit to Employees

One of the reasons that you should invest in a group benefits insurance plan is that it is a way for you to provide a benefit to your employees. Today, finding good staff is hard, and providing good benefits is a way to attract more employees and applicants. Most employees are going to be looking for benefits and health insurance when comparing jobs. Getting a group benefits insurance plan can help you provide this benefit to your team members, which can help find and retain a talented workforce. 

Reduce Costs Per Person

Another advantage of getting a group benefits insurance plan is that it can help to reduce the costs on a per-person basis. When it comes to insurance, costs tend to go down the more people that you have one plan. This is because the overall cost is more predictable and less risky for a large portion of people requiring serious care. 

As you are assessing your options for a group benefits insurance plan in the Idaho Falls, ID area, it would be helpful to contact the team with Insure It All. If you are going to speak with the team at Insure It All, you can learn more about how this form of coverage can help you or your business. They can also help you build a plan that will give you and your group quality coverage.