How Much Healthcare Deductible Can You Afford?

There are a lot of ways that you can lower your healthcare deductible these days but before you do too much, you want to make sure that you do not leave yourself in a position where you cannot afford to use your insurance. One of the ways that people lower their insurance premiums in Bourbonnais, IL is by increasing their healthcare deductible. However, here at George Ryan Jr. Insurance Group Inc we want to make sure that you can afford the deductible that you choose. 

In order to determine how much of a healthcare deductible you can afford, you need to take a good look at your finances. If you have a good amount in savings that you can pull from if needed, then you may want to start with that number. If you do not have any savings, the next thing you want to look at is how much income you are bringing in. You do not want to get a deductible that you cannot afford to pay with your savings or with your regular income. If you choose one that is higher than you can pay with your savings or income, you may run into an issue of not being able to use your insurance at all. This is the last thing that you want because insurance is not useful if you cannot use it. 

If you are still not sure how much you can afford, be sure to reach out to us here at George Ryan Jr. Insurance Group Inc, serving Bourbonnais, IL. We can help you determine how much you can afford and then help you find the right healthcare plan that takes this into account but is still in your budget. Contact us today to get started finding your plan.

Being in Shape Results in Lower Life Insurance Premiums

It’s a relatively well-known fact that age is a factor in the cost of a life insurance policy. The older you get, the more likely you are to deal with age-related illnesses that could potentially shorten your lifespan. Age won’t necessarily keep you from getting a policy, but it will cost you more in monthly premiums. But if you’re in good physical shape for your age, you increase the potential for lower premiums because you’re considered a good risk by the insurer. Talk to an agent at the George Ryan Jr. Insurance Group Inc in Bourbonnais, IL about the potential for saving money while getting a life insurance policy at a price you can afford.

Why Your Physical Condition Affects Life Insurance Premiums

Exercise and maintaining a reasonable weight directly translates into a healthy body. Body filtering systems work without strain, the risk of insulin resistance is low, and cholesterol levels are far more likely to be optimal. When all of these conditions are present, the body functions well and the potential for a catastrophic illness like cardiovascular disease or diabetes to occur are very low. All of this translates into a strong potential for longevity and decreased the risk of early death due to disease. Life insurance companies reward individuals like this by offering policies with lower premiums.

Working With an Insurance Agent to Find the Best Policy

If you’re healthy with the medical information to back it up. you’re halfway there to getting a great life insurance policy with a lower premium. The best way to get the premium is to work with an agent from the George Ryan Jr. Insurance Group Inc in Bourbonnais, IL. Your agent can take your information to the insurers and negotiate a policy that fits your needs and has the lowest premium available.

Does Home Insurance Cover Rental Expenses If The Homeowner Is Displaced?

Having a loss as a result of a covered event can be a traumatic experience. In some cases, you may be displaced from your home temporarily while work is done to repair or replace the damaged areas. If you are unable to live in your home, you may wonder if your homeowner’s insurance will cover your living expenses while the work is being done.

Renting While Waiting

If you experience damage to your home as a result of an accident, you will likely be able to rent a place to live, courtesy of your insurance policy, until repairs can be completed. This is a great feature of most homeowner’s insurance policies and gives the policyholder peace of mind knowing they won’t be without adequate shelter. Check with your insurance provider before making a purchase so you know you are protected.

Getting The Coverage You Need

Selecting coverage that can protect your home and family completely is the goal. Before you make a decision on an insurance provider, ask plenty of questions and don’t overlook any information that is confusing or ambiguous. Always understand what type and how much coverage you are buying. A top company serving the residents of the Bourbonnais, IL area is George Ryan Jr. Insurance Group Inc. They can help you understand the complexities of homeowner’s insurance and outline the terms and conditions of coverage.

Get the protection you need to feel secure about your home. If you live in or around the Bourbonnais, IL area, George Ryan Jr. Insurance Group Inc invites you to call or stop by to get more information about their quality insurance products.

Does Your Commercial Insurance Plan Cover It All?

When starting your own Bourbonnais, IL business, you might know that you need extra liability insurance, but what other commercial insurance might you need from George Ryan Jr. Insurance Group Inc to protect your investors and investment?

Recover from Fire and Catastrophic Loss

Commercial property insurance helps you rebuild your factory or offices after a disaster, whether that be fire or extreme weather. Your insurance agent can help you protect factory equipment, valuable prototypes, digital files, and other items you need to keep your business operational. Your agent should also help you keep up with rapidly changing property values in hot markets so that you are able to rebuild in your neighborhood. If you built in a low-lying area, you may also need flood insurance.

Protect Your Employees

As soon as you have hired staff, you will need to invest in workers compensation insurance. It helps to cover medical bills and living expenses when somebody gets hurt on the job, whether they work in data entry or factory assembly.  A quality policy will also get your employee back on the job sooner, helping you control payroll expenses for temporary assistance.

Extend Coverage for Delivery Services

Once you add a delivery or commuter van to your growing business, you will need to purchase commercial auto insurance.  It expands your liability coverage to the company operated vehicle while protecting your drivers.  Any accidents that occur in the company car are covered by your insurance, not your employee’s. Add options for protecting your cargo to ensure that your orders arrive at your customer’s location on time and intact.

Every business is different.  Only your commercial insurance agent from George Ryan Jr. Insurance Group Inc can help you ensure that your entire Bourbonnais, IL company is protected from unexpected loss.

Four types of supplemental insurance plans.

Supplemental insurance is an additional insurance that a policyholder can purchase to help them pay for services and other out of pocket expenses that an ordinary insurance does not cover.

At George Ryan Jr. Insurance Group Inc. in Bourbonnais, IL, we offer four different types of supplemental insurance plans which include:

  • Accident and sickness insurance

Combined accident and sickness cover, offers an added advantage for emergency room care, surgery, and hospitalization. This is beneficial since it enables you to fill minor gaps which are not included in your main medical insurance cover.

  • Disability insurance

Supplemental disability insurance offers great service in case you are totally disabled and not able to work. It also caters for financial assistance in case the offer was set with a monthly advantage providing a combined insurance income protection to self and family if you become sick or injured and not able to work.

  • Critical illness insurance

When a serious illness strikes you or your family, supplemental insurance chips in for some costs and expenses linked to recovery. At George Ryan Jr. Insurance Group Inc. our critical care protector and cancer care offers two ways combined insurance pan to safeguard you and family on demand.

  • Life Insurance

Supplemental life insurance comes in as a combined insurance family life protection providing cash which grants your family good care when you are absent. Usually, it’s clearly written and simple to comprehend which guarantees you the benefit for you and your family.

At George Ryan Jr. Insurance Group Inc. in Bourbonnais, IL, we will provide you with all the available supplemental insurance options and offer assistance in making the right choices for you and your family to cover any expense that your original medical insurance coverage may not cover which is valuable in picking up the remaining costs.


When Can You Claim Your Motorcycle Insurance?

Just like auto insurance, motorcycle insurance is a legal requirement in Bourbonnais, IL. Motorcycle insurance is essential since your chances of getting an accident and suffering a severe injury on a motorbike are high compared to a car. Make sure that you have proper coverage from George Ryan Jr. Insurance Group Inc. anytime you ride your motorbike.

Typically, the type of insurance that you need will depend on how secure you want to feel every time you ride your bike and how much you want to be protected in case an accident occurs. So when can you file your motorcycle insurance claim?

When You An Accident Occurs

Since you’re more prone to accidents when riding a motorbike, don’t hesitate to conduct your insurer when you are involved in an accident. You should contact your insurance agent as soon as possible to notify him/her of the accident. However, don’t admit liability or readily offer to pay compensation to the other driver.

Taking blame will tremendously affect the insurance payout that you are entitled to. Just record the names and contact details of the other person involved in the accident and the details of the passengers as well if any. Try to come up with a clear sketch of what happened just before the accident and also take photographs of the scene after the accident.

When Your Motorcycle Is Stolen

You can also file motorcycle insurance claim if your motorcycle is stolen in Bourbonnais, IL and you have the suitable comprehensive cover from George Ryan Jr. Insurance Group Inc. Just like the accident claim, you need to file a theft claim promptly.

Some of the crucial information that you’ll need to remember is the model and year of manufacture of your motorcycle, exact place it was stolen from, the exact date and time the bike was stolen, police issued report number and the mileage of your bike. You can also file a claim when your bike is damaged or vandalized while parked.

Are you looking for a comprehensive motorcycle insurance coverage? Contact us today for further details.

Does your Business Need Outdoor Recreation Insurance in Bourbonnais, IL?

If you have an outdoor recreation business, you probably have a good life, are fit and happy and bring joy to a lot of people. On the other hand, you can’t predict when an accident will occur and put everything that you have worked for at risk. Ask you agent at George Ryan Jr. Insurance Group Inc. how to make sure you have the insurance you need to protect your recreation-related business in Bourbonnais, IL.

What is Outdoor Recreation Insurance?

Outdoor recreation insurance is required by most national parks for tours and guided trips. If your business involves kayak or bike tours, you may need robust liability, auto, and other options

Who Needs Outdoor Recreation Insurance?

Consider this insurance if your business is in the sports and recreation industry, nicknamed “pay-to-play,” and clients rely on your gear, experience, and instructions during an activity. When an accident occurs, your company could be held liable for injuries and damages. Without the appropriate coverage, this could cause the demise of your venture.

Outdoor recreation coverage pays legal fees, punitive damage, general liability and other optional costs and protects your business assets.

Types of Coverage

Specialized coverage may be necessary for the leisure, sports, and recreation industry. Don’t wait for something to happen, be proactive to protect yourself and your business. Ask you George Ryan Jr. Insurance Group Inc. multiple lines of coverage that would benefit your business, such as:

  • General and Professional  Liability
  • Inland Marine
  • Property Damage
  • Umbrella Coverage
  • Accident Medical

Contact Us

Contact your agent at George Ryan Jr. today to set up an appointment for a quote for Outdoor Recreation Insurance and other insurance needs for your business in Bourbonnais, IL.



Do I Need Boat Insurance During the Winter?

A lot of people who own boats think that they can get away with not putting insurance on it during the winter. After all, if the boat is going to be stored during the winter months and not used, then what is the point in having insurance on it, right? Truth is, though, it can be much more costly to drop insurance coverage and pick it back up; this is why it is best to keep insurance coverage on it all year long. For now, here is a quick look at three reasons you need to keep your boat covered by insurance protection all year long. 

1) It can still become damaged

Just because your boat isn’t out on the water during the winter months doesn’t mean it can’t become damaged. With the right insurance coverage, though, you can have peace of mind in knowing that you are protected if any damage was to occur to your boat, such as theft or vandalism. 

2) You may want to take your boat out during the winter

Sure, you may not be skiing and water tubing during the winter months, but you never know when you may want to take your boat out during the colder months of the year, especially if you enjoy fishing during the winter. Also, you never know when you may want to hook the boat up and travel to a warmer part of the country and enjoy a warm day out on the water. 

If you would like to learn more about the importance of boat insurance, please do not hesitate to reach out to George Ryan Jr. Insurance Group Inc serving the Bourbonnais, IL area. 

Can Prior Car Accidents Affect Your RV Insurance Rates?

If you have auto accidents within the past seven years, you know those auto accidents will show up on your driving record. As a result of this, most people can expect their auto insurance rates to increase. But if you have accidents on your driving record, you may wonder how those accidents will affect your RV insurance rate. Here at George Ryan Jr. Insurance Group Inc, serving the greater Bourbonnais, IL area, this is a question we are often asked by customers. Here is how prior auto accidents can affect your RV insurance rates. 

When you are looking to obtain RV insurance, the driving record of every person listed on the RV policy is checked. This is because an RV is driven. If you have tickets or accidents on your driving record, this can affect your ability to safely drive an RV. As such, if you or anyone else listed on your policy has tickets or accidents on their driving record within the past seven years, you can expect the premiums for your RV insurance to be higher than it would be if you or the other drivers did not have any tickets or accidents on your record. Fortunately for you though, a driving record is not permanent. Once the ticket or accident falls off your driving record, your insurance rates should decrease, as long as there are not any new accidents or tickets. 

When you are looking to buy either auto insurance or RV insurance in the greater Bourbonnais, IL area, George Ryan Jr. Insurance Group Inc can help you to get the policy you need at a fair and reasonable price. Call us today and let’s get started on your new insurance policy. 

Do You Have to Carry Boat Insurance When Your Boat is Docked?

At George Ryan Jr. Insurance Group Inc, one of the questions that we are often asked in regards to boat insurance is whether you need to still carry boat insurance if your boat is docked and not being used. We want to ensure all of our customers in the greater Bourbonnais, IL area have the information they need to make the right insurance choices. Here is what you should know about boat insurance if you are docking a boat. 

Do You Need to Carry Boat Insurance When Your Boat is Docked?

When your boat is docked, you may think that you do not need to carry insurance on your boat. However, this is incorrect. It is just as important to insure your boat when it is docked as it is when it is in use. 

Why is it Important to Carry Boat Insurance When Your Boat is Docked?

Just because your boat is docked does not mean that it cannot be involved in an accident. Another boat may hit your boat, causing damage to it. A hail storm can pass through the area where your boat is docked, damaging the fiberglass hull of your boat. Your boat can be vandalized or catch on fire when it is docked. And while it is rare, your boat can even be stolen when it is docked. The right boat insurance helps to protect against all of these things, ensuring your boat is fully protected even when it is just docked. 

When you are looking to purchase boat insurance, George Ryan JR. Insurance Group Inc, serving the greater Bourbonnais, IL area, is ready to assist you. Contact us today and let’s discuss your boat insurance needs and how we can help you.