Understanding Changes and Multi-Policy Options in Life Insurance

Life insurance plays a crucial role in financial planning. After procuring a life insurance policy, you may want to modify it or purchase another one. What changes are allowed, and can one hold more than one life insurance policy? Let’s explore.

Changing a Life Insurance Policy

Life insurance policies come in different forms, including but not limited to term and whole life policies. Regardless of the policy type, you can always amend the policy’s beneficiary. Thus, if buying another policy merely to add a beneficiary is your goal, you don’t need an extra policy for this purpose. You can simply communicate with your Front Range Insurance Services insurance representative in Littleton, CO.

Is More Than One Life Insurance Policy Allowed?

Yes, you can legally have more than one life insurance policy. However, many insurance applications explicitly ask whether you already have insurance, and it’s important to answer this question honestly. Affirming this does not automatically disqualify you from obtaining a second or even third policy.

Why Have Multiple Life Insurance Policies?

Several valid reasons explain why one might choose to have more than one policy. For instance, you might want to carry both a term life and a whole life policy since their terms significantly differ. Major life events like family expansions may prompt you to consider an additional policy. Some insurance companies do not allow for increased benefits; thus, purchasing an extra policy may cater to increased needs.

At Front Range Insurance Services in Littleton, CO, we offer an assortment of life insurance policies to accommodate your current and future needs. Feel free to contact us today for more information.

Business owners are responsible for ensuring the safety of their property for their employees, customers, and visitors. If you’re looking to enhance your business’s security, consider the following three options from Front Range Insurance Services in Littleton, CO.

Improve Security for Your Colorado Business

1. Install Exterior Lighting

A common oversight among business owners is insufficient exterior lighting. Employees who arrive early or leave late would benefit from a well-lit, secure environment to and from their vehicles. Adequate lighting should not only be limited to the building’s exterior but should also extend to parking lots and the property’s perimeter to deter intruders and facilitate full visibility.

2. Implement a Visitor Sign-In System

Keeping track of who is on your property at all times is essential, especially if your business deals with sensitive or specialized material. A secure policy would be to have a visitor sign-in system in place. Older methods might involve manual name recording, but advanced sign-in options could scan their ID card for verification.

3. Ensure Doors Lock Automatically

Areas requiring isolation from visitors and customers can be secured with automatic locks on the doors. Access can be restricted to authorized personnel equipped with keys or codes, keeping unauthorized individuals out. This protects employees, visitors, and customer data that could be compromised if an unauthorized person gained entry. Using digital locks for these areas could also help maintain entry and exit records.

If you need commercial insurance in the Littleton, CO area, contact us at Front Range Insurance Services today for more information.

The latest round of severe storms traversing across Colorado and the rest of the US has numerous homeowners and automobile owners re-examining their current insurance coverage options.

Licensed insurance experts at Front Range Insurance Services in Littleton, CO, can help ensure that you and your loved ones are financially protected from life’s most unpredictable storms. 

Umbrella insurance is a unique form of coverage that extends the financial limits of an existing auto or home insurance policy. Locals are protecting their most prized possessions by investing in comprehensive policies that shield their personal finances from the devastating aftereffects that can follow a natural disaster, theft, burglary, or automobile accident. 

Talk to a trusted local insurance professional to learn more about the benefits of umbrella insurance and how to extend the limits of your current policies.

A knowledgeable and trusted agent can help you inventory your most prized possessions and choose the best umbrella insurance policy to provide comprehensive coverage for them. 

Get Umbrella Insurance from a Trusted Local Insurance Agency 

Front Range Insurance Services understands the unique needs of Littleton residents. We strive to help our clients find the best insurance solutions for their lifestyle and budget. We offer comprehensive insurance solutions to help you protect your home, auto, and business from covered perils that would normally devastate your finances, leaving your family in a bind. 

Please don’t wait until the unexpected happens, and it’s too late to protect your valuables with full coverage umbrella insurance! Don’t hesitate to contact an agent at our offices and kickstart your umbrella insurance quote today! We’re here to make the process as easy and straightforward as possible for you. 

The Importance of Storing Your Recreational Vehicles in a Storage Facility

If you own a recreational vehicle like a travel trailer, truck camper, or camp trailer, storing it in a storage facility when not in use is a smart move. Here are some reasons this can be an excellent long-term investment for you.

Protection Against Theft

Recreational vehicles that are openly kept on your property are vulnerable to theft or vandalism. Securing them in a storage facility offers them protection through limited access. These facilities typically provide individual lockers, each equipped with a security system and climate control. If anything occurs while your vehicle is stored, pinpointing the culprit becomes straightforward.

Protecting the Exterior

Choosing to store your recreational vehicles in a covered storage facility shields them from harsh weather conditions and the damaging effects of constant sun exposure. Prolonged exposure to elements like the sun, rain, and wind can hasten exterior deterioration. Indoor storage helps maintain the paint and prevents potential issues like tire dry-rot when the vehicles are parked long-term.

Reclaim Your Space

Recreational vehicles parked on your property can take up a lot of space that could be used better. This is especially true if they are taking up garage space meant for your car. Living spaces in Colorado’s suburbs are valuable, making storage facilities a popular option. Regain control of your property by choosing a storage unit for your recreational vehicles.

We Have Your Back

If you reside in the Littleton, CO, area or neighboring communities, please get in touch with Front Range Insurance Services today. We can provide you with a personalized quote for your recreational vehicle storage needs.

Seasonal Boat Safety Tips for All Boat Owners

As a responsible boat owner in Littleton, CO, and surrounding areas, it is crucial to prioritize safety throughout the year, not just during the sunny, inviting summer season. We at Front Range Insurance Services offer boat insurance and want to guide you on how to ensure boat safety in all seasons.

Spring Checks

As Colorado’s ice melts and days lengthen, it’s time to prepare your boat for the water. Prioritize inspecting the hull for potential damage, then move to the engine, batteries, and electrical systems, checking for corrosion or wear. Swap old fluids and filters and verify that safety equipment, including life jackets and fire extinguishers, are usable.

Summer Maintenance

Ensure the engine maintains a secure temperature by regularly checking fluid levels. When not in use, cover your boat to guard against UV exposure. Inspect the hull and propellers for debris entanglement and any damage signals whenever possible.

Fall Cares

As seasons transition, deep clean your boat and drain the onboard water systems to prevent pipe bursts. Protect electronics from moisture damage by removing or storing them properly.

Winter Preparations

Consider boat storage during winter, with indoor storage being preferred over shrinkwrapping. Ensure your boat is topped up with antifreeze, and disconnect and store the batteries in a warm place.

Protect Your Investment with Front Range Insurance Services

Understanding the huge investment you’ve made in your boat, we provide tips to ensure its safety for every season. We serve Littleton, CO, and surrounding areas.

Rely on Us for Your Boat Insurance Needs

While the safety precautions help prevent mishaps, having an appropriate boat insurance policy is crucial for comprehensive protection. We offer customized insurance solutions to cover your boat against a variety of risks. Let us be your trusted partner for boat safety and insurance in Littleton, CO. Reach out to us today.

It is always vital that you have a reliable mode of transpiration when you are in the Littleton, CO, area. Investing in a motorcycle can be a good idea if you are looking for a way to get around this community. Along with your motorcycle purchase, you need to consider your insurance needs. There are some situations when you need to have motorcycle coverage here. 

When Financing the Vehicle

A situation when you will need to have a proper motorcycle insurance plan is when you have financed a vehicle purchase. Like other vehicles, motorcycles can be expensive, and a loan can be an excellent way to complete the purchase. When this happens, you must always carry a full motorcycle insurance policy. This will likely be a requirement in the loan agreement and will protect the lender’s security interests in the asset. 

When Driving on Public Road

It would be best to have motorcycle insurance when using the vehicle on a public road. Those using a motorcycle are obligated to carry at least liability insurance when using the bike. This provides assurances to all people that you will have the capacity to cover damages if you have caused an accident while using it. 

You will always need to have a motorcycle insurance plan if you are going to own one in the Littleton, CO, area. Once you are ready to start looking for coverage here, you will want to call our team with Front Range Insurance Services. Our Front Range Insurance Services professionals know the value of this coverage and will give you the guidance you need to create a new policy that protects you and your motorcycle.