auto insurance: Local Farmers Insurance Agent Discusses "Life Insurance" in Waterford, Michigan: How Much Life Insurance Coverage do you Need? - 09/29/08 04:06 AM
Life insurance is essential if you have a family that depends on you for financial support.  Life insurance protects your loved ones if you die.  You should consider purchasing a life insurance policy if you are married and your spouse depends on your income, you have children or an aging parent or disabled relative who depends on your financial support or if your savings and other assets are not sufficient for their support.  Other good reasons to have life insurance are if you own a large estate and expect to owe estate taxes or if you own a business.  Your surviving … (1 comments)

auto insurance: Farmers Insurance Agent in Waterford, Michigan Offers Insurance Tips for Homeowners: “Auto Insurance” “Flood Insurance” “Liability Insurance” “Disability Insurance” “Life Insurance” - 09/25/08 07:55 AM
Congratulations on the purchase of your new home!  Now that you're unpacked and settled in, you should think about evaluating your insurance needs.  You probably already have homeowner's insurance as this was a requirement of your mortgage company, but is it enough to protect you?  Get this business out of the way now and enjoy life in your new home. 
Homeowner's Insurance: 
You most likely have a mortgage on your home, so your lender required a certain amount of insurance coverage in the event of a loss.  If your home were to burn to the ground, would you be able to … (0 comments)

auto insurance: Farmers Insurance Agent in Waterford, Michigan Offers Insurance Tips for Homeowners: “Auto Insurance” “Flood Insurance” “Liability Insurance” “Disability Insurance” “Life Insurance” - 09/25/08 07:54 AM
Congratulations on the purchase of your new home!  Now that you're unpacked and settled in, you should think about evaluating your insurance needs.  You probably already have homeowner's insurance as this was a requirement of your mortgage company, but is it enough to protect you?  Get this business out of the way now and enjoy life in your new home. 
Homeowner's Insurance: 
You most likely have a mortgage on your home, so your lender required a certain amount of insurance coverage in the event of a loss.  If your home were to burn to the ground, would you be able to … (0 comments)

auto insurance: The Basics of "Homeowner’s Insurance" Explained by Farmers Insurance Agent of Waterford, MI - 09/25/08 07:12 AM

Your home is one of the largest investments you will ever make.  Homeowner's Insurance is essential for protecting your investment.  It is also important that you have adequate liability coverage to protect all of your other assets as well.
 
 
Basic Coverage: 
A standard homeowner's policy will cover damage to your home and contents caused by fire and smoke, ice and snow, lightening, theft and frozen pipes.   Your policy will also cover you in the event of liability claims if someone is hurt on your property, medical payments to third parties, and legal costs should you be sued.  Most … (0 comments)

auto insurance: Understanding Health Care Plans: HMO, PPO, POS – Explained by your Local Waterford, Michigan Health Insurance Agent - 09/25/08 04:26 AM
The cost of health insurance has gone up significantly over the last decade, making it difficult if not impossible for smaller businesses to provide health care plans for employees.  There are several types of health plans available, including HMO's, PPO's and POS plans.  Some larger companies are able to offer their employees a choice of health plans or insurers where smaller companies are only able to offer one. 
Here is an overview of the common types of health care plans: 
HMO - Health Maintenance Organization 
HMO's are generally the least expensive health care plan, but they are also the least flexible, … (0 comments)

auto insurance: Understanding Health Care Plans: HMO, PPO, POS – Explained by your Local Waterford, Michigan Health Insurance Agent - 09/25/08 04:23 AM
The cost of health insurance has gone up significantly over the last decade, making it difficult if not impossible for smaller businesses to provide health care plans for employees.  There are several types of health plans available, including HMO's, PPO's and POS plans.  Some larger companies are able to offer their employees a choice of health plans or insurers where smaller companies are only able to offer one. 
Here is an overview of the common types of health care plans: 
HMO - Health Maintenance Organization 
HMO's are generally the least expensive health care plan, but they are also the least flexible, … (0 comments)

auto insurance: Understanding Health Care Plans: HMO, PPO, POS – Explained by your Local Waterford, Michigan Health Insurance Agent - 09/25/08 04:22 AM
The cost of health insurance has gone up significantly over the last decade, making it difficult if not impossible for smaller businesses to provide health care plans for employees.  There are several types of health plans available, including HMO's, PPO's and POS plans.  Some larger companies are able to offer their employees a choice of health plans or insurers where smaller companies are only able to offer one. 
Here is an overview of the common types of health care plans: 
HMO - Health Maintenance Organization 
HMO's are generally the least expensive health care plan, but they are also the least flexible, … (0 comments)

auto insurance: Farmers Insurance Agent in Waterford, Michigan Offers Tips to Save on "Health Insurance" and Medical Costs - 09/24/08 09:12 AM
With the price of health care, insurance is a necessity.  The cost of medical care is rising rapidly and few people are able to afford this luxury without insurance. 
Types of Health Insurance Coverage: 
Two common categories of health plans are indemnity plans and managed care plans such as health maintenance organizations (HMO's) and preferred provider organizations (PPO's) and point of service (POS) plans. 
An indemnity plan offers the option of choosing your own doctors.  They pay for your medical expenses, in full, in part, or up to a specified amount per day for a certain number of days. 
Managed care … (0 comments)

auto insurance: Automobile Insurance Agent in Waterford, MI offers Tips about Gap Insurance - 09/24/08 06:13 AM
Most people are not familiar with gap insurance and why it is so important to have.  You should consider purchasing gap insurance if you owe money on your vehicle so that in the event of an accident or theft, you will not have to continue paying on a vehicle you no longer have. 
What is gap insurance? 
Most people finance their new cars rather than paying cash for them.  Gap insurance is a product offered by car dealers to ensure the vehicle is paid off in the event of theft or an accident resulting in a total loss (meaning the vehicle … (0 comments)

auto insurance: "Farmers Insurance Agent" Addresses Finding Quality "Health Insurance" in Waterford, Michigan - 09/24/08 03:59 AM
Everyone should have some form of health insurance or basic medical coverage so they can see a doctor for yearly physicals or when they are ill.  Private health insurance used to be something only the wealthy could afford, but there are companies that can make medical coverage a reality for you.  
Shop Around and Ask Questions 
Medical coverage varies from one company to another with many different plans available to serve your individual needs.  Shop around, ask questions and take notes.  At first, you may not know what to ask.  As you visit with different insurance agents and hear about the … (0 comments)

auto insurance: "Farmers Insurance Agent" of Waterford, Michigan Discusses "Automobile Insurance" What Every Driver Must Know! - 09/24/08 03:55 AM

Auto insurance is required by law for anyone who purchases a car in any state in the US.  Anyone who is caught driving a vehicle without auto insurance faces heavy fines and possible jail time.  In addition, your car can be seized and impounded.  The total in fines, impound fees and bail to get out of jail is far more than the cost of the insurance.   Another good reason for auto insurance is to cover you if you are involved in an accident, causing damages and injury to someone.  If you are adequately covered, and you get sued for millions … (0 comments)

auto insurance: “Auto Insurance” “Farmers Insurance” “Progressive Insurance” Waterford, Michigan - 09/20/08 11:46 AM
A-1 Insurance Agency in Waterford, Michigan has been in business for nearly 50 years, serving all insurance needs. 
 
The Farmers Insurance Group of Companies was founded in 1928 when Farmers Insurance Exchange, an automobile insurer, was formed.  As customer demand for additional insurance services increased, the Fire Insurance Exchange and Truck Insurance Exchange wee established for home and commercial insurance needs.  Today, the Farmers Insurance Group of companies is one of the country's largest writers of both private passenger automobile and homeowners insurance.
 
Drive Insurance, a division of Progressive Insurance
 
Knowledgeable advice from an Insurance Specialist - Drive … (0 comments)

auto insurance: Ted Lewicki, Farmers Insurance Agent Acknowledged for his One-Stop Mortgage, Financial and Insurance Services in Waterford, Michigan - 09/20/08 11:45 AM
Ted is committed to 100% customer satisfaction and assurance that his clients are adequately covered with liability insurance based on their individual lifestyle
 
Waterford, Michigan-First time home buyers in Waterford, Michigan appreciate the convenience of a mortgage broker who is also a Farmers Insurance Agent.  Ted Lewicki, of A-1 Insurance, an independent insurance agency in Waterford, Michigan, provides a valuable service to his clients.  Ted spoke at a workshop recently where he gave a lot of valuable information and advice to first time home buyers.  He taught them all about applying for a mortgage and what they will need … (0 comments)

auto insurance: “Auto Insurance” “Homeowners Insurance” Liability Insurance” “Car Insurance” “Boat Insurance” “RV Insurance” “Motorcycle Insurance” Waterford, Michigan - 09/08/08 03:34 AM
A-1 Insurance is an independent insurance agency located in Waterford, Michigan.  We represent a variety of insurance companies to serve your insurance needs.
 
Residential:
 
Automobile Insurance
Boat Insurance
RV Insurance
Motorcycle Insurance
Antique Auto and Boat Insurance
Homeowners Insurance
Health Insurance
Financial Management
 
Commercial:
 
Commercial Auto Insurance
Business Liability Insurance
Property Liability Insurance
Business Health Insurance
Worker's Compensation Insurance
 
Ted Lewicki has been in the insurance and financial management business for nearly 50 years.  Call 248-674-0355 or visit http://www.a-oneinsurance.com for a No Hassle Insurance Quote.
 
A-1 Insurance Agency
3129 Dixie Hwy
Waterford, MI  48328
Phone:  … (0 comments)

auto insurance: Medicare Friendly Income Products: Anuities and Financial Security in Retirement - 08/31/08 06:39 AM
Medicare Friendly Income Products
 
What is an annuity?
 
Annuity ... from the medieval Latin "Annuitas," meaning "yearly payment." An annuity is an agreement between an individual and an insurance company. An individual pays some amount of money (referred to as a "premium") to an insurance company, which the company later pays back under an agreed-to payment schedule.
One method of receiving income might be a lump sum payment; another might be a guaranteed income to last at least as long as the annuitant lives. Most annuities have a deferral period (the period prior to the time income payments begin). … (0 comments)

auto insurance: Senior Health Care: "Medicare Supplement" "Hospital Insurance" "Medical Insurance" - Highland Twp, Michigan - 08/31/08 06:37 AM
Medicare Supplement
Medicare is a federal health insurance program for people over 65 years of age or better, and certain younger people with disabilities or End-Stage Renal Disease (permanent kidney failure). The program contains 2 parts:
 
Part A - Hospital Insurance
Part A helps pay for care in hospitals, some skilled nursing facilities, hospice, and some health care. For most people, Part A is premium-free because they paid Medicare taxes while they were working.   Part B - Medical Insurance
Part B helps pay for doctors, outpatient hospital care, and some other medical services that Part A does … (1 comments)

auto insurance: Family Health Care Facts about Medicaid: Michigan "Health Care" "Medical Insurance" "Hospital Coverage" - 08/31/08 06:35 AM
About MedicaidThe Medicaid program provides medical benefits to people who are financially needy. This program is not primarily a program for people who are elderly. Rather, it is for people who are poor. It is not available to seniors under the age of 65, unless they are blind or disabled. However, Medicaid eligibility is important to seniors due to gaps in Medicare coverage. For example, as a result of Medicare's limited nursing home coverage, less than 10 percent of nursing home costs in Michigan are paid by the Medicare program. Due to the high cost of nursing home care, many seniors … (0 comments)

auto insurance: Things to Consider when Purchasing a Long Term Care "Health Insurance" Policy - Oakland County, Michigan - 08/31/08 06:34 AM
Purchasing a Long Term Care Insurance Policy
Should You Consider Purchasing a Long Term Care Insurance Policy?
Yes, You Should Consider It If:
You have a significant income and / or assets. You wish to help protect your assets and income. You do not want to rely on the Government or others to pay for your care. You do not want to rely on friends or family to provide you care if needed. No, You Should Not If:
You can not afford to pay the policy premiums. You have a limited amount of assets and / or a very small … (0 comments)

auto insurance: Financial Planning: "Reverse Mortgages" "Life Insurance" and "Annuities" with "Long-Term Care" Provisions - Wixom, Michigan - 08/31/08 06:32 AM
Your greatest financial risk today and in the foreseeable future is not your hospital or doctor bills, but the very high cost of long term care. Over 40% of all Americans over the age of 65 will spend some time in a nursing home due to a prolonged illness or disability. That's almost one out of two. Will it be you or your spouse? Your risk of needing long term care is probably much greater than you realize.
If you are over 62 years old and have assets to protect, but aren't wealthy enough to comfortably pay for long term care … (0 comments)

auto insurance: Mature Market "Life Insurance": Asset Protection, Whole Life Policies, "Education Funding" for Grandchildren - Huntington Woods, Michigan - 08/31/08 06:29 AM
Mature Market Life Insurance
You've worked hard to provide for your family and to build your nest egg. But what will happen to your assets when you try to pass them on? You may believe your Will takes care of this transition for you, but a large value of your estate may be lost to death taxes and estate settlement expenses.
Illinois Mutual has designed two unique Whole Life policies with the Mature Market in mind - Simplified Issue Whole Life & Single Premium Whole Life - that can assist you in making a tax efficient transfer to your desired … (2 comments)

 

Ted Lewicki

Waterford, MI

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Pillar Financial Corporation

Office: (248) 674-8171

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