Purchasing a life insurance policy from The Sanford Group is the first step toward providing financial security for your family. Life benefits can be used in so many ways to help your family carry on upon your sudden demise. Here are just a few ways life insurance benefits can help those you love after you’re gone.

Cover Daily Bills

Life benefits can help pay daily expenses in Ball Ground, GA such as rent, food, utility bills, medical bills, school needs, and more, enabling your wife and children to continue living the lifestyle they’re accustomed to even though you’re no longer there to provide financial support.

Pay Off Debts

If you have co-signed loans such as student loans, a home mortgage, business loan, etc., life benefits can be used to pay these off so your spouse, parent or business partner isn’t left with this responsibility.  

Support Aging Parents in Ball Ground, GA

Like many adult children today, you may have been helping your parents financially in their old age. By naming them as beneficiaries of your life policy, you can continue to support them after you’re gone.

Put Children through College

 If you have children, you can designate that life benefits to be put into a trust for them to help pay for their college expenses when they’re grown. In like manner, life benefits can be saved to help pay for your daughter’s wedding or to welcome a grandchild into the world.

Pay Your Funeral Costs

Few people prepay for their funeral expenses in advance. If you’ve failed to make arrangements for your funeral before your demise, life benefits can help cover these costs. Your family can grieve in peace without worrying about your funeral costs.

To purchase a life insurance policy in Ball Ground, GA, contact The Sanford Group today.

Anyone that would like to be their own boss and start their own company should consider the Ball Ground, GA area. This area of the state has many practices in place that can help a small business to grow. While there are some great opportunities for small business owners, there are risks as well. One great way to mitigate some of these risks is by getting a commercial insurance policy. There are several reasons why someone should get this form of coverage here. 

Covers Assets

One reason to get a commercial insurance policy here is that it can protect your company assets. Whenever you are going to start any type of organization, there are a number of assets that will need to be purchased. Between inventory, office equipment, and capital assets, starting a business takes a big investment. Fortunately, when you have a commercial insurance policy, you can get protection for these valuable assets.

Provides Liability Protection

All business owners need to recognize their professional liability risk. If you are sued for liability following any type of accident, it could be very detrimental if you are deemed liable. To ensure that your business is properly covered and protected, you should get a commercial insurance policy as it will provide you with valuable coverage for your liability risks.

Starting a business in the Ball Ground, GA area is a great option. To ensure that your company is protected, you should work with a professional when shopping for a commercial insurance policy. If you are looking for insurance, you should contact the team at The Sanford Group to discuss your insurance needs. The insurance professionals at The Sanford Group will help you to get into a policy that provides the coverage your business needs. 

You may not consider umbrella insurance to be necessary but they are a valuable tool to financially protect you and your family.  One thing that makes these policies unique is that they only go into effect when your other policies are maxed out.  For instance, is someone is injured at your home due to your negligence, your home insurance policy will cover their medical and legal expenses.  When the policy reaches its cap, the homeowner is responsible for the additional funds.  For most people, this would be a financial burden.  An umbrella policy can help you recover more quickly.  At the Sanford Group, our agents work with homeowners throughout the Ball Ground, GA area.  They can explain how an umbrella policy to benefit you.

Umbrella insurance policies are designed to financially protect you.  In the example of someone getting injured, your home insurance policy may cover $200,000 but if their bills are $350,000, you are responsible for the balance.  As another example, if your home is destroyed by a disaster, your home insurance can help you rebuild.  If it doesn’t cover the total cost of construction, again, you’re responsible for the additional funds.  With an umbrella policy, you’ll have a helping hand when you really need it. 

In the Ball Ground, GA area, our agents at The Sanford Group want to help you with your insurance needs.  Explore the website for general information then contact us to visit.  Our agents can help you decide if umbrella insurance is a good fit for your family.  They can help you understand the details so that you can make an informed decision.  Having a financial tool like umbrella insurance is very important for the protection and quick recovery following a disaster.  Don’t wait!  Call us today for more information. 

Ball Ground, GA has miles of scenic routes surrounding it and many people enjoy taking their classic car out of the garage on a Sunday evening for a leisurely drive and occasional meet-ups to compare their old cars. You may see diner parking lots full of classic cars like a fantasy car lot from the fifties or sixties on any random day of the week in the south. These rare finds are treated as a treasure by their drivers and often need specialized insurance because their value is not easily dictated by the blue book. At The Sanford Group, we offer quality insurance to cover your needs including classic car insurance. 

Classic Car Insurance Considerations

• The blue book value for the car is likely vastly different than the actual value if the classic car has been carefully restored and garage kept.
• The classic car may not be driven often. If it is garaged often and only pulled out occasionally you may be able to save on insurance in some circumstances.
• The classic car might not be driven at all. In some cases, a classic car is only transported in a semi and it never has the risk of an open road. If this is true then the insurance policy could be entirely different. 
• Even if your classic car is still in the "junker" phase as you begin the restoration process small upgrades should be noted in your policy to ensure proper coverage if there is an accident before it is complete. 

The Sandford Group serves the communities in and around Ball Ground, GA with comprehensive insurance services. Contact us today to discuss your classic car and see if we can provide you with coverage that is exactly what you need for your situation. 

If you’re planning to run a business from home, keep in mind that home insurance has limitations in the business protection it provides. In fact, you’d do well to consider protecting your home enterprise with commercial insurance. A commercial policy from The Sanford Group will ensure your home business in Ball Ground, GA has the essential protection it needs to grow and prosper. Here are a few ways you can protect your fledgling enterprise with commercial coverage.

Property Coverage

Your home office, like the rest of your home, is prone to risks like theft, vandalism, and disaster damage. If an unforeseen disaster such as fire breaks out in your home and destroys your business equipment, commercial property insurance can help compensate you for your loss. Property insurance covers such equipment as computers, printers, scanners, office furniture, etc., along with any inventory you may have stored in your home. This protection can save you thousands of dollars in replacing this equipment on your own.

Liability Coverage

If someone is injured in an accident while visiting your home for business purposes, you could be held liable for their medical costs. A serious accident could put you at risk of a lawsuit. General liability insurance protects your business from third-party claims and lawsuits, safeguarding your business revenue against loss.  This enables you to continue investing in your company to help it grow.

Business Interruption

A major disaster in your home could bring your home business to a standstill, putting you at risk of losing customers and valuable revenue. Business interruption coverage compensates you for lost revenue, payroll (if you have employees), taxes, and other operating expenses to help your business recuperate from a major disaster.

To learn more about commercial coverage for your Ball Ground, GA home business, call or visit The Sanford Group today.

If you already have life insurance, it’s because you wanted to take care of the people in your life just in case something happened to you. It’s a responsible choice that not everyone gets credit for until a tragedy occurs. But if you live in Ball Ground, GA, it may be time to consider the reasons why people choose to upgrade their coverage. The most surprising part about upgrading is that sometimes people will do it as much for themselves as for their loved ones. The Sanford Group wants you to know more. 

You Want Extended Coverage 

Some people will choose a life insurance policy with an expiration date attached to it. That is, the policy will expire when a child turns 18 or 21 and the policy cannot be invoked after that particular date. However, it’s not unusual for a policyholder to decide that they would rather have more unlimited coverage for their loved ones, regardless of how old they are. Or they may take on a spouse later in life and choose to purchase permanent insurance for them. 

You Want a Safety Net 

The right insurance policy can be used as a savings account if times get tough. Plenty of seniors will withdraw from their policies during retirement if they need to. To learn more about the conditions of these policies, you can speak with an insurance agent who will tell you everything you need to know. 

You Want a Better Insurance Partner 

Sometimes insurance can be upgraded just by finding a better insurer. If you’re in Ball Ground, GA and want to understand more about life insurance upgrades, give The Sanford Group a call today to talk to someone who can give you the facts.