top of page

National Insurance Awareness Day


Is there actually a day dedicated to insurance awareness? Yes, and it’s important. No one wants to think about insurance, but it is a part of our daily lives. With so many insurance options and requirements out there, it can be overwhelming. Let’s go over a short list of insurance types, including some you might want to consider purchasing.

Auto insurance: If you drive a car you are required by law to have auto insurance. Consider raising your deductible to reduce costs.

Homeowners’ insurance: If you have a mortgage, homeowner’s insurance is required. But what if you don’t have a mortgage or you are a renter? It’s a good idea to have insurance to cover accidents, theft or natural disasters.

Life insurance: This is important if you have a family or loved ones to care for after you are gone or if you become very ill. Did you know that life insurance can also have a “living” benefit?

Health insurance: The options are many as well as expensive. Consider a health co-op or if you are retired, Medicare Supplements and/or Medicare Advantage plans can save you money.

Key Person insurance, Travel insurance, Worker’s Compensation, Business insurance, Critical Care insurance, and the list goes on. With so many insurance terms, products and requirements, it’s no wonder there is actually a day dedicated to insurance awareness.

Some interesting historical insurance events*:

3000 B.C. Insurance Birth Year Chinese Merchants mixed their goods together on ships to limit extreme loss via shipwrecks

1666 A.D. Fire Insurance Ignited After a huge fire in London, Nicholas Barbon created the first fire insurance company

1850s Health Is Wealth Thanks Franklin Health Assurance Company for leading the way to pay for medical expenses

1897 Surely Cars Should Be Insured Mr. Loomis built his own car, then bought the first auto insurance policy

If you are wondering about insurance and what you may or may not need, we can help. Give us a call and we’ll go over your current policies and other insurance options with you.

Penny Lane Financial – Your Path To Better Investing.

* https://nationaltoday.com/national-insurance-awareness-day/

0 comments

Recent Posts

See All

留言


Get expert advice from a local and friendly company. 
CONTACT US
ADDRESS
OFFICE HOURS
PHONE
EMAIL

1804 W Union Ave, Suite 202, Tacoma, WA 98405

Monday to Friday

9:00 am - 5:00 pm

253-327-1177

You can also visit us; we'd love to meet you.
Penny Lane Financial - Trust and Expertise in Financial Services.

Important Disclosures

Equal Housing Lender:
Penny Lane Financial, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

NMLS Consumer Access:
Our NMLS number is 1905686. WA – MB1905686 AZ – 1034711  You can verify our licensure status and find more information about our company at the NMLS Consumer Access website: https://www.nmlsconsumeraccess.org/ WA – MB1905686 AZ – 1034711

Terms and Conditions:
The loan terms and conditions provided by Penny Lane Financial, LLC are subject to change without notice. All loan approvals are subject to underwriting guidelines and credit approval. Not all applicants will qualify. Interest rates and annual percentage rates (APRs) are based on current market conditions and are subject to change.

Mortgage Loan Information:

  • Loan Types: We offer a variety of mortgage loan options, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans.

  • Interest Rates and APRs: The interest rates and APRs provided on our website are estimates and are subject to change based on market conditions and borrower qualifications. Please contact us for the most current rates.

  • Loan Fees and Costs: Mortgage loans may involve fees, including origination fees, appraisal fees, credit report fees, and other closing costs. These fees will be disclosed to you during the loan process.

Consumer Rights and Responsibilities:
As a borrower, you have the right to receive a Loan Estimate within three business days of submitting a complete loan application. This document provides important details about the loan terms, estimated costs, and other important information. You also have the right to receive a Closing Disclosure at least three business days before your loan closing, which outlines the final terms and costs of your loan.

Homeownership Counseling:
If you are experiencing financial difficulties or have questions about your mortgage loan, you may seek assistance from a HUD-approved housing counseling agency. For a list of HUD-approved counseling agencies, visit the HUD website at https://www.hud.gov/program_offices/housing/nationally_hud_approved_housing_counseling_agenciesdirectory

 

Insurance License:
Penny Lane Financial, LLC holds life, disability, property and casualty insurance licenses in WA and AZ, NPN #17702278. We are committed to providing comprehensive financial services, including insurance products, to meet the diverse needs of our clients. Regulated by Washington State Insurance Commissioner at https://www.insurance.wa.gov/

Privacy Policy:
We are committed to protecting your privacy and ensuring the security of your personal information. For details on how we collect, use, and safeguard your information, please review our privacy policy here.

Contact Us:
If you have any questions or need further assistance, please do not hesitate to contact us at 253-327-1177 or email to vip@pennylanefinancial.com.

Penny Lane Washington

Check us out  

Penny Lane Financial NMLS #1905686 WA State, NMLS #1034711 AZ State

 

  • Instagram
  • Facebook
  • LinkedIn

NMLS Consumer Access - click here

EQUAL HOUSING LENDER

 

All Rights Reserved © 2017 - 2024 Penny Lane Financial LLC .

bottom of page