According to the Centers for Disease Control (CDC), “Seasonal flu viruses are detected all year round and the flu season activity begins as early as October and can last until May, with the peaks between December and February.” That’s why it is recommended that you have health insurance from Insure It All to get a flu vaccine yearly in Idaho Falls, ID and to prevent colds and the flu with the following tips.

1. Get a flu shot to reduce your chance of getting the flu by approximately 60% when the peak of cold and flu season arrives. Alternately, there are also nasal mists of the flu vaccine that work as well as an injection.

 2. Diligently wash your hands and make sure your children do too. Our hands come into contact with many surfaces throughout the day that may have germs on them. It’s a good idea to keep an alcohol-based hand sanitizer at your fingertips while at work and at home. Remember never to touch your hands to your face when you and your family are on the go.

3. Tidy up your home and office in Idaho Falls, ID to reduce the germ-breeding capabilities that clutter harbors. You can wipe your laptops, keyboards, tablets and phones with anti-bacterial wipes before you use them to get rid of germs before you touch these items to protect yourself and your family.

4. Throw out the toothbrush of a family member that has a cold or the flu. This is one of the easiest manners to keep from re-infected a person that has been ill from a cold or the flu.

5. If you are a coffee drinker, replace your coffee with tea. It has antioxidants to flush toxins out of your body and the warmth stimulates your breathing to help flush out germs. Adding honey will help fight colds with its antibacterial properties and lemon has vitamin C to help loosen mucus.

6. Listen to your body and when you first start feeling under the weather, visit your doctor for fast relief.

We at Insure It All realize that it can be difficult to find the right health insurance and we are here to help you. Call us or come by the office to find out more about our health insurance plans for your family.

Life insurance protects your loved ones in the case of your sudden death. The Insure It All policy pays out a specific amount of money to the beneficiary that you name when you pass away. The money provided can pay hospital bills, funeral costs and provide money for the future cost of living expenses for your family members.

Who Should Buy Life Insurance?

If you are just starting your career and you are young and have no dependents and no assets yet, you may just want to get a small insurance policy through your work if it’s available. That should be enough to cover your burial expenses in the event you die.

After you get a bit older in Ammon, ID and are making more money in your career, you should consider getting life insurance, especially if you have a child or a spouse. When you die, your family will need the money for their expenses so they are financially taken care of without your salary coming in to pay bills. This is also true if you have guardianship of a younger spouse or relative.

Term Life Insurance

Term life insurance typically has less expensive rates than whole life insurance. Term life insurance is for a certain term or number of years. You simply choose the term at a set price. Most commonly, people choose a 5-, 10- or 20-year policy. If you are still alive at the end of the term, you can simply purchase another term life policy.

Whole Life Insurance

Whole life insurance policies are cash value policies that you purchase once and they last until you die. Cash value is seen as an investment because you can withdraw money out of the policy or borrow against the amount while you are still living.

Our staff at Insure It All can help you to decide which type of life insurance is best for you. You can call us or come by the office to speak to a knowledgeable agent in Ammon, ID.

Many renters move into their given location and don’t really consider protecting what they have inside of the rented facility. However, renters insurance is extremely important. So if you’re still on the fence for renters insurance, there are several of the top reasons why you need it and how Insure It All can assist you when living in Ammon, ID and the surrounding areas.

Protect Your Valuables

You may not own the property, but you do have many valuables inside. From your television and entertainment system to computers, audio equipment, or even the furniture, all of these items add up. If there was a fire and you didn’t have renters insurance, you’d likely need to replace all of these items out of pocket.

Heightened Risk of Fire and Theft

If you live in an apartment community, there are potentially hundreds of other people living around you. This means instead of one member of a household accidentally causing a fire, all it takes is one person out of the dozens, or hundreds, living in the community. Additionally, with more people living in the smaller area, it opens up your apartment to a greater risk of theft. While each community is different, it is extremely important for you to do what you can and protect your valuables. You can do this with the aid of renters insurance.

When you rent a property you still need to protect your physical property. The best way to do this is with the aid of renters insurance. At Insure It All, you have access to a team of professionals, dedicated to helping find the right insurance policy for your needs. So whether you live in Ammon, ID or the surrounding communities, now is the time to check them out.

Each business is different. If you do business in the Ammon ID area, Insure It All can create an insurance package especially for you. These 4 policies form the foundation of a strong business insurance strategy.

General liability insurance pays for damage caused by you or your employees during the course of work duties. If your delivery person knocks over a client’s priceless artwork, this is the policy that will pay out. General liability also covers medical bills and legal fees that come from accidents that happen on your property. For those who rent their commercial property, these policies will pay your landlord if you are found liable for damage to the buildings or grounds.

Professional liability insurance pays for legal fees associated with claims of negligence or liable. This coverage protects the subscriber from the exorbitant costs of defending themselves in a court of law. Malpractice insurance is an example of this type of coverage. However, medical professionals aren’t the only ones who benefit from professional liability insurance. Lawyers, educators, and even artists can protect their personal assets with these contracts.

Commercial auto insurance is similar to your personal car policy. It pays for accidents, medical bills, and repairs to your work vehicles. There are some key differences between commercial and personal policies. Talk to your insurance agent for more details.

Commercial property insurance covers the buildings and grounds that you use to conduct business. Like your homeowner’s policy, it pays out for damage or loss due to theft, fire, and some natural disasters. Without this coverage, one small accident could put an end to your dreams.

Is your business fully covered? Contact the experts at Insure It All in the Ammon ID area for a personalized assessment.

One common mistake most startup business owners make is failing to purchase sufficient coverage for their companies. This error can easily be made, especially when you’re operating on a tight budget and you have many things you need to do to grow the business – getting protection against some disasters will not seem very important. What most people don’t know is that it doesn’t take much to lose all that you have worked hard to build. One of the coverages a startup should get from insurers like Insure It All in Ammon, ID is umbrella insurance.

What is umbrella insurance?

This is an excess policy that is designed to supplement some of your main insurance coverage such as employer’s liability, auto, and general liability. These policies are known as underlying insurance. An umbrella insurance plan can cover one or more policies depending on your preferences.

In case some claims are not covered by an underlying policy or an underlying policy gets exhausted and you still have outstanding expenses, your umbrella policy will come in as an affordable solution that will offer the extra coverage you need.

Just like the underlying policies, this insurance plan covers a broad range of risks like paying for litigation costs and restitution for injuries. The costs can also include medical expenses and court-awarded damages and settlements.

Why your startup needs umbrella insurance

Your startup needs umbrella insurance for the same reason it requires other coverage options – to get protection against various mishaps. Most general policies don’t cover every risk the company faces. What’s more, there are certain claims a company faces that are both costly and extremely rare. Getting umbrella insurance to cover such risks is quite important for any startup.

If you are searching for this coverage, consider contacting Insure It All that serves the Ammon, ID area and its environs for more information.

If you have been debating on whether or not you and your family need health insurance coverage, here are a few points to consider. Most people in this country will develop a chronic health condition, regardless of age, at some point in their lives. These conditions can become incredibly expensive, and, in some cases, can leave families without a means to treat the condition.

Common Conditions

One of the most common, and expensive conditions that commonly occur in individuals is diabetes. Type 1 diabetes normally presents itself early in life and requires daily monitoring and treatment. Without the necessary medication and testing supplies, a person can develop life-threatening symptoms requiring expensive medical treatment. Another condition that would require having health insurance is food allergies. If you ingest or come in contact with a food that you are allergic to, you may need treatment with epinephrine, a trip to your local hospital, or both. Other conditions that require medical insurance include heart conditions, asthma, and kidney failure.

Don’t Wait For A Condition To Appear

The most effective way to protect yourself and your family from financial ruin is to purchase adequate health insurance coverage before a serious condition has a chance to present itself. Health Insurance requires a small co-pay for regular doctor visits and a relatively small co-pay for hospital treatment and hospital stays. For more information about health insurance in or around Ammon, ID, Insure It All has the answers you need.

Don’t leave the security of your family to chance. Get the right health insurance today to protect them tomorrow. The Ammon, ID, Insure It All looks forward to speaking with you about your specific needs. Call or stop by today to get the coverage you want.