How much life insurance is enough

Life insurance is not for you, it is for those you leave behind. It is your final gift. That makes it unique among insurance policies since most people who buy a life insurance policy won’t benefit from it during their lifetime. Unless you borrow from a whole life policy or cash it in. At D&B Insurance Solutions in Dallas, TX what matters to you, matters to us. We are a female-owned family business and as an independent agency, we can offer choices to our customers. 

Deciding how much life insurance is enough is not easy and even once you have decided what enough is, you can’t count on the amount staying the same. Many events in your life will change your need for life insurance. No matter where you are in life, don’t count on work provided life insurance as part of what you need. You can’t count on staying at any job for the rest of your work career. 

When you are young and carefree, your life insurance needs are minimal. You need enough money or life insurance to pay off any debt you may have and for your final expenses. That does not require a great deal of life insurance. 

As you get older your need for life insurance will increase as you do things like buy a home, get married, and start a family. Each of these events raises your need for protecting your loved ones. Once you have people who count on your income, you need to add a significant amount of life insurance. For a family, 7-10 years of your income is considered normal. That may be more than you can afford. You need to sit down with one of our agents to discuss all your options. 

In Dallas, TX, D&B Insurance Solutions is the place to go for life insurance. 

How Does Commercial Insurance Protect My Online Business?

The recent advancements in technology have impacted the way we used to conduct business. With more and more people now accessing the internet, investors in Dallas, TX are striving to go online to link with as many clients/customers as possible. 

Although going online adds convenience to your business, it leaves it vulnerable to various online risks — cybercriminals can pose significant threats to your success but not if you have commercial insurance. 

If you haven’t yet bought commercial insurance for your online business from D&B Insurance Solutions, here are some key reasons to do so.

It Protects Your Online Business Against Financial Loss

When running an online store, cyber crooks can hack or interfere with your online venture payment system. If this happens, they will illegally access your clients’ credit card details — something that will likely lead to financial losses. 

With a commercial insurance policy by your side, you will be covered in case of such occurrences.

Boosts the Credibility of Online Business 

Your customers/ clients will have peace of mind transacting with you when they know your online business is fully covered. They will be 100% sure that compensation will come their way should anything go wrong while doing business with you online.

It Can Help You win Business Contracts

Depending on the nature of your online business, some contractors may necessitate that you submit proof of commercial insurance coverage before entering into deals.

Shield Your Business Against Advertising Liability

If by bad luck, your online business violates copyright rules of other online parties or businesses, it will be vulnerable to copyright infringement issues. But with a liability insurance cover, your web-based business will not suffer in case of such claims.

Purchase commercial insurance today

Shielding your online business against unforeseen risks is extremely important to its development and success. Don’t operate in a risky online business environment — reach out to D&B Insurance Solutions of Dallas, TX, for an affordable quote to cover your e-business.