Insurance companies use your insurance score together with numerous other factors to determine the best pricing available to you. If you have a high insurance score and no prior claims or accidents you will qualify for the best rates.
An Insurance Score includes:
• Your payment history
• Bankruptcy, foreclosures and collection activity
• Length of credit history
• Amount of outstanding debt
• Types of credit in use: mortgages, loans, etc.
• Number of new applications for credit
How can you improve your insurance score?
1. Pay your bills on time. Paying bills on time
improves your score.
2. Manage any outstanding balances. You should
maintain balances at least 75% below available
credit.
3. Avoid excessive inquiries to your credit reports.
Too many inquiries negatively impact your score.
4. Limit the number of credit accounts. Access to
excessive unused credit could result in too much
debt.
5. Review your credit report regularly. Know what
is on your credit report and take steps to dispute
any discrepancies.
6. Avoid quick credit fixes. Good credit is built over
time.
7. Manage your debt consolidation. Pay down your
debt without creating new credit activity.
8. Limit the amount of new debt you take. Too
many loans or credit will have a negative effect on
your credit rating.
9. Establish credit. Longer credit history has a
positive impact on your score.
10. Work with your creditors. Resolve outstanding
balances without a debt collector.
Did you know we carried the Duck? AFLAC that is!
That’s why you need AFLAC. In a matter of days, AFLAC provides the money
you need to help with deductibles, treatment-related travel, daily living
obligations, loss of earning power - any of life’s necessities. You have the
option of getting the benefit checks paid directly to you.
AFLAC insurance policies are available on a direct basis through Brownell
Financial Services Group, LLC or via payroll deduction at work. Applying for
our coverage at work has many advantages, including the ability to obtain
policies on a pre-tax basis, which could result in more benefits, and the
same take home pay. Let your boss know, you want AFLAC and that we will come
directly to your place of work to enroll his/her employees as an added
convenience.
For more information about the benefits, costs, and limitations of our
insurance policies, contact us at BFSG at 603-437-1992.
Need Dental Insurance? We’ve got you covered!
AFLAC’s Dental Plan provides basic, preventive, and major dental benefits to covered individuals on either a direct payment or payroll deduction. Eligible treatments are listed in the policy by American Dental Association (ADA) code. The Dental Wellness Benefit is payable once per visit, regardless of the number of treatments received. For benefits to be payable, 150 days or more must separate dental wellness visits. This benefit is payable twice per policy year, per covered person. A dentist or dental hygienist must perform the treatment. There is no waiting period for this benefit. Contact us for further details.
