One of the most important decisions you will ever make is how much life insurance is enough. Having an independent insurance agent who knows you and whom you can trust with your life is essential. In Hope Hills, NC Cross Creek Insurance is your local independent agency. We take our responsibility to provide the finest customer services seriously. With more than 20 years of experience, we are happy to share that experience with our customers. 

How much life insurance is enough is not a simple one size fits all answer. To come up with an amount that is right for you, several things have to be considered. After you have analyzed the answers to the following questions, you will be better able to come up with a figure that makes sense. 

Who depends on you?

Are you responsible for providing monetary support to anyone beyond yourself? If you are young and single and your parents and siblings are all financially independent, you may need very little life insurance. One thing to keep in mind, however, is whether or not you plan to marry and have children at some point in your life. If that is the case, you will never find life insurance at a lower rate than when you are young and healthy, 

How much money do you owe?

You should have enough life insurance to cover any debt you have. If you own a home, that includes your mortgage. 

Do you have young children?

Providing for them is one consideration that really matters. Without your income, their lifestyle could be dramatically changed. As a loving parent, you want to make sure they can stay in the home they love and not have any other changes in their life. Consider between 7 and 10 years of your income as the standard for life insurance coverage.

If you are looking for life insurance in Hope Hills, NC Cross Creek Insurance is here for you. Stop by our office or give us a call. 

If you have a business or you’re thinking of starting one and you’re in the Hope Hills, NC area, Cross Creek Insurance can help with your commercial insurance needs. Depending on the type of business you have, there are different kinds of insurance coverage options to consider. Most businesses need insurance, especially if they have employees working on-site or customers coming through their doors. Someone who works online from home might not need coverage, but it can also depend on the type of business they have.

Rather than take the chance of not being covered when you need to be, it’s much better and safer to work with a knowledgeable agent so you can have the protection your business deserves. Then if an employee or customer ever makes a claim against your business for an injury or other issue, you can have some peace of mind in knowing that you have coverage. The best way to feel secure in your insurance policy choices is to talk to professionals and get the needed information so you can make the right coverage decision. Then you can get back to focusing on operating your business instead of worrying about insurance.

Reach out to us at Cross Creek Insurance today, if you’re in the Hope Hills, NC area and need a commercial insurance policy. Whether you have a policy on your existing business or you’re starting a business and need to find out what insurance options you have, we’re here to help you get the information and coverage you’re looking for. It’s not just the peace of mind that comes with insurance, but also the protection and security that’s so important. By working with us, you can find the right type of coverage so you can get on with building your business.

Having life insurance is one of the best ways to show your family how much you care about them. That’s because this kind of insurance isn’t to protect you but to protect the people you love if you pass away. When you choose a quality life policy you’re letting your loved ones know that you want to keep them safe and make sure they have what they need even if you’re not able to provide for them any longer. If you’re in the Hope Hills, NC area, Cross Creek Insurance can help you find the right policy for your needs.

The level of insurance you choose for your family’s protection will depend on several factors, and it’s easier to figure out what kind of policy will be best for your situation if you work with a trusted agent. Our dedicated professionals are focused on helping you make the right choice, so you have peace of mind and feel good about the policy you choose. Then you can just enjoy the time with your family, knowing that you’re taking good care of them in all the ways that matter. 

There’s so much to explore in the Hope Hills, NC area, and when you’re not spending any time worrying about life insurance issues you can get out and enjoy the area more. By reaching out to us today at Cross Creek Insurance, you can get the help and information you need to find the right insurance policy for your needs. We’re here and ready to help, so you can have proper coverage and make sure the people you love are protected in the event of your death. People don’t like to think about passing away, but getting good insurance to protect your family could help make your worries over that event much smaller.

When you have a small business in North Carolina, there are certain types of insurance that you are required to have to meet state requirements. If you need commercial insurance for your business, call us at Cross Creek Insurance in Hope Hills, NC.

Workers’ Compensation

If your business has at least three employees, it is required that you have workers’ compensation insurance for your employees. This is required whether your employees are part-time or full-time. This insurance coverage pays for the medical bills for employees who have an accident while working or get ill from something at work. This helps to protect your business by paying these bills instead of the business having to come up with steep bills. It also protects the employees. They know that if they should have an accident, the bills will be covered. 

Commercial Auto

If a vehicle in North Carolina is owned by a business of any size, it must have a commercial auto insurance policy. This policy has a set minimum amount for bodily injury liability for one person as well as another figure for the injury liability for the entire accident. There is another minimum amount required for property damage liability for an entire accident. This does not include any coverage for the business’ car- it pertains to third parties. There is also a set minimum amount of uninsured motorist coverage for each person in the accident and another amount for the entire accident. There is another set minimum amount required for property damage for the accident. 

Get Your Commercial Insurance

If your business needs to be insured, call us at Cross Creek Insurance in Hope Hills, NC. Make an appointment with an agent to discuss your business insurance needs. 

Owning a business is a dream that a lot of people share. If you would like to start a business, finding the right location is very important. One city that can offer a lot of potential for success for small business owners is Hope Hills, NC. When you own a business here, you can take advantage of local small business support and an expanding population base. If you would like to start a business here, you should protect it with insurance. There are several reasons that you should get this insurance protection here.

Insurance Protects Investment

One reason to get commercial insurance in North Carolina is that it can protect your investment. When you start any type of company it will require that you invest in assets to grow your company. Losing these assets to a fire or other form of loss would be devastating. Fortunately, you can protect your assets by getting a commercial insurance policy. 

Liability Coverage

Another reason that you will want to get commercial insurance coverage is that it will give you protection and liability coverage. Whenever you complete a sale to a customer, you could be taking on a risk that they could bet hurt or suffer another type of loss through the use of your product or service. Fortunately, with proper insurance, you can receive liability coverage to offset this risk. 

If you would like to get a commercial insurance policy in the Hope Hills, NC area, you should speak with someone that is experienced in helping small businesses get the right insurance. The team at Cross Creek Insurance can offer you a lot of guidance and support that is needed to choose a policy that offers the right protection. When you call Cross Creek Insurance, you can learn far more about your options and have all questions answered. 

Whole Life Coverage

A whole life insurance policy is a policy that mixes investing and life insurance into a unique insurance product. If you’re interested in getting a whole life policy, contact us at Cross Creek Insurance in Hope Hills, NC to make an appointment with an agent. 

Lifetime Protection

One of the biggest advantages to a whole life policy is that as long as you pay its premiums, you are covered for the rest of your life. This also allows you to lock in your premium price at a younger age to keep your payments lower.

Cash Value

A whole life policy builds its own cash value. The value of the policy grows at a specific, fixed-rate and is not tied to the stock market. Even if your 401k goes down with the market, your life insurance cash value will be unaffected and still growing. When you have cash value, you can borrow against it. That makes it perfect for large, unexpected expenses that require you to come up with cash fast. 

Earning Dividends

There are whole life policies that pay out dividends annually on the profit made by the insuring company. When dividends are paid, you can use them to buy more life insurance. This increases the cash value of the policy as well as the death benefit to be paid out to your beneficiaries. 

Get Your Whole Life Policy

If you want the peace of mind that comes from these policies, as well as their financial benefits, contact us at Cross Creek Insurance in Hope Hills, NC. We can help you to understand the many types of life insurance on the market and how each type may benefit you. 

Anyone that lives in the Hope Hills, NC area will have a lot of different personal insurance needs. One form of insurance that should never be overlooked is life insurance, which will provide financial protection to your dependants. There are several reasons why you should get life insurance. 

Provides Financial Protection

One reason that you should get life insurance here is that it can provide financial protection to your dependants. If you have people that rely on you, it will continue to be important that you ensure they have the same financial resources if you were to pass away. With a life insurance policy, you can do this as you will be able to build and curtail a policy that meets the need of yourself and your dependents. Even if you do not have dependents, a policy could help to cover any end of life expenses you incur. 

Gives Additional Investment Option

You should also consider getting life insurance because it can provide you with an additional investment option. Anyone that has taken out a whole life insurance policy, as opposed to term life, will be able to start building an account that could be liquidated in the future. This account could also be used as a form of collateral that could be used to secure a loan or other obligation. 

Those that are looking for life insurance in the Hope Hills, NC area should speak with someone that they can trust. If you are looking for this type of insurance here, you should reach out to the team at Cross Creek Insurance. If you do call Cross Creek Insurance, you will receive the support you need to understand your options and needs. They can then help you get into a policy that provides the right coverage for your situation. 

As an employer, it is your responsibility to make sure that the workplace is safe for your employees. It’s important because healthy conditions promote healthy workers. It also contributes to the overall health of your growing business. The Cross Creek Insurance agents in Hope Hills, NC want you to know a few things you can do to keep your workplace safe.

Keep Your Business Safe

• Clear emergency exits. Every company has emergency exits just in case the primary doors are blocked. Keep those exits free of cabinets, boxes, or clutter to prevent an accident if there’s a fire.
• Use safety equipment. If you handle biohazard, work with construction equipment, or deal with electrical wires, you should properly handle the items and the equipment as directed by your employer.
• Report unsafe conditions. If you see something that could cause an accident, you should tell your supervisor. Such things could include curled carpet ends, spills, or unraveled wires.
• Reduce stress. Stress can cause absenteeism and unhappy employees. Reduce worker stress by making the work efficient and listening to employee complaints. Hold meetings where everyone has a voice and employers can explain big changes collectively.
• Limit physical fatigue and injuries. If you’re in an office environment, keep your back straight when sitting for long periods of time. If you need to lift heavy items, bend your knees, and not with your back.

What Else You Can Do

Accidents can be costly. To avoid paying large settlements, you should have a good commercial insurance policy. Insurance can protect you from paying out a fortune in medical bills and legal fees if an accident happens at your business. Get with the independent agents at Cross Creek Insurance in Hope Hills, NC where you can update the details of your commercial insurance policy.

Most of us understand that auto insurance is designed to protect us, other drivers, and our vehicles. However, many of us don’t understand the different types of auto insurance and what each type covers. Cross Creek Insurance of Hope Hills, NC is committed to helping North Carolina residents understand auto insurance. We take pride in educating North Carolina residents on different types of coverage. Comprehensive coverage is a form of auto insurance designed to help insurance holders cover certain expenses that arise from non-accident situations. 

What Is Comprehensive Auto Insurance?
In short, comprehensive insurance covers damage to your vehicle that results from non-accident situations. This form of coverage will pay for damage to your car if the damage is equal to or less than the value of your car. comprehensive insurance can cover damage to your car from falling trees or objects. It also covers damage to your vehicle that is the result of fires, floods, hail, and wind: In other words, weather-related damage. If the damage exceeds the value of your car, the insurance company will total the car. When a car is totaled it is considered a loss. The cost to repair the damage exceeds the value of the car. Comprehensive insurance will pay for damage to the car minus the cost of your deductible. This insurance is different from collision coverage in that it covers damage to your car that results from situations beyond your control that aren’t accident based. In other words, they don’t involve a collision with another car or motor vehicle. We are committed to helping North Carolina drivers understand comprehensive insurance and choose the best coverage for their unique situation. Give us a call. We can’t wait to answer your questions. 

When looking to build a strong personal insurance plan, one important form of coverage to have in place is life insurance. This form of insurance can provide financial protection to your dependants or help loved ones with costs if you were to pass away unexpectedly. For those that are in the Hope Hills, NC area, there are several situations when someone should get a full life insurance policy. 

Those Looking to Provide Financial Protection

The first situation when someone will need to get life insurance is when they want to provide financial protection to others. If you have people that rely on your income, you will want to make sure that they are properly covered by insurance. When you get a life insurance policy, you are going to be able to create a plan that is designed to meet their financial needs if you were to pass away. This can also include providing expenses to cover the end of life costs that can occur. 

Those Looking for Investment Alternative

Another situation when you may need a life insurance policy is when you are looking for a conservative investment alternative. If you choose to get a whole life insurance policy, a portion of your monthly premium payments will build up in an account that can be liquidated in the future. This offers a low-risk investment option that can be a good addition to any investment plan. 

Ultimately, those that are in the Hope Hills, NC area will want to make sure that they have a proper life insurance policy in place. If you believe that getting this form of coverage is necessary, you should speak with the team at Cross Creek Insurance. The team at Cross Creek Insurance can ensure you have proper coverage to meet your needs.