Newsletter

We often get asked the question; “is it better to buy my company provided life insurance or buy life insurance on my own?” As with most things insurance-related, there are big variations in life insurance coverage and price. We recommend you consider looking at an individual plan first. Let’s look at some of the differences between group life insurance plans and individual plans.

Group Plans

• Group plans tend to have higher premiums and can’t be tailored to your needs
• Group plans have a limited amount of coverage you may buy and choice of insurers is limited
• Group insurance is not portable, you can’t take it with you if you change jobs

Individual plans

• You have the option of higher limits
• The policy is portable and can be adjusted as your life needs change

At Hawaii Island Insurance we believe our greatest asset is the relationships we build with our clients and we are dedicated to being the right choice for all of your insurance and financial needs. We take pride in our ability to tailor a comprehensive insurance package that maximizes your insurance protection while minimizing money out of your pocket.
 

These Tips Brought To You by Hawaii Island Insurance

There is no doubt that Life Insurance provides benefits and security to families. However, many single people may not have thought of the fact that they also need to consider Life Insurance to cover expenses after they are gone.

Some expenses won’t go away with your passing, and having Life Insurance will help those responsible for the management of your estate to do so more effectively. For example, a Life Insurance Policy can help with:

• Mortgage and vehicle costs. These bills won’t go away when you are gone. A Life Insurance Policy can help pay for them.
• Funeral expenses. This can total anywhere from $2,000-$5,000.
• Pet care. Many singles have pets. Who will care for those pets – and how? A Life Insurance Policy can cover vet care and other costs.
• Child care. Single parents need to make sure funds are available for the continual care of their children.
• Debt. Your policy can help pay hospital bills, credit card, and other debt.

The good news is that Life Insurance rates are low and there are many different kinds of products from which to select. One question we often get is, “How much Life Insurance do I need?”  The answer really depends on your individual situation, but here are some questions to consider:

1. How much debt do I have?
2. If I have children, how much money will they need to reach the age of 21? (The average cost per child is about $200,000). 

Call us today at 808-961-3207 for a free review and quote. 

Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”

Here are a few technologies that will help keep your home safe, and will also lower insurance costs.

1.Security systems -- It seems like everywhere you go, there's a camera capturing images. If you own a smartphone or tablet, you probably have a camera that's built into the device. You can not only secure your home, but actually see what is going on through videos.

2.Electronic locks -- Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.

3.Connected appliances -- Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.

4.Leak detection systems -- Smart homes can be controlled from your phone, and when connected to your home's water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.

5.Timed lighting -- Having outside and inside lights come on during the evening while you are away deters burglars.

6.Smoke and fire detectors -- Having good detection systems keeps your family safe and insurers provide discounts for these.

Home weather warning systems -- There are weather warning programs that can detect high winds and identify severe weather earlier than ever.

As always please keep us in mind when you are looking for a competitive quote for insurance either online or calling us at 808-961-3207.

These tips are brought to you by Hawaii Island Insurance.

Summer is the perfect time to get in shape. But the summer heat can be a problem, especially if you exercise during the hottest part of the day. Let’s face it, there is so much you can do in the summer to get in or stay in shape.

All these activates are a great way to get in shape.

1.Yard work
2.Hiking
3.Water Sports
4.Tennis
5.Walking or running
6.Rafting
7.Fishing

Brought to you by Hawaii Island Insurance

Keep these in mind when involved in summer activities.

1. Walk in the early morning or evening.
2. Take water with you when you exercise.
3. Use sunscreen.
4. Always stretch before you exercise.
5. If you run, wear bright colored clothing so you can be seen.
6. Do not run alone at night.
7. Change up your workout from time to time.
8. Try exercising in the rain...you may enjoy it.
9. The hotter it is, the harder your body has to work. So, if you normally run at a 10-minute-mile pace, when the temperature hits 90 you may find yourself having to slow down to a 12.
 

Everyone loves a barbeque! Summer is here and we know that many of you are already firing up your grill and bringing on the steaks. But be safe when grilling. Did you know that in 2014, there were over 8,000 home fires that started from grills? 27% of these were stated on a balcony or porch. Every year, over 7,000 people are injured while grilling.
 
Summer is also a good time to complete a home insurance review. We can make sure that you have the right combination of price, coverage, and service.
 

Grilling Safety Tips

 

• Thoroughly clean your gill before you start a new season of grilling.
• Always check for leaks on gas grills.
• Keep paper and other flammables away from the grill.
• If you use a starter fluid, use only charcoal starter fluid. Never add charcoal fluid or any other flammable liquids to the fire.

• Never BBQ inside, in a garage, on the roof or on a second story deck.
• Never leave your grill unattended.
• Never store or use flammable liquids, like gasoline, near the grill.
• Open the grill lid before you light it.
• Don’t wear loose fitting clothing.
• Keep a fire extinguisher outside or close by.
• Never bring the propane tank into the house.
• Make sure you use the grill at least10 feet away from your house.
• Don’t over indulge in alcohol while barbecuing.
• Always clean your grill after every use. Don’t allow grease to build up.

 
Our goal at Hawaii Island Insurance is to protect you and your family from unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Business, Life, or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.