Know What to Expect: What is Involved in a Life Insurance Physical Exam?

While many people don’t want to think about the need for life insurance policies, they are a necessity to ensure that you loved ones are taken care of in the event of your death. Cordell Insurance in Baton Rouge, LA knows the importance of maintaining a life insurance policy as well as what is involved in obtaining one.  While not all policies require one, many companies now request those seeking a life insurance policy to obtain a physical before the policy can take effect.

What to Expect from Your Life Insurance Physical

During your physical, the doctor will take down your medical history as well as check your height and weight to determine you BMI.  They will also take your vitals such as blood pressure and pulse and will inquire about any lifestyle issues such as smoking or alcohol use.   When they are questioning about personal history and lifestyle, they are often just ensuring that they are getting the same information that the agent received, so if the questions seem redundant do not worry.  If you are 60 years or older your insurance company may require that you take an EKG test as well.   In addition to the physical exam, the doctor will draw blood and take a urine specimen for testing.

Blood Test Required for a Life Insurance Physical

The blood and urine test will be utilized to assess your overall health as well as your risk for major medical conditions.

  • Heart and Arteries – Insurance companies will require blood tests to check how well your heart is functioning as well as your risk for future heart problems.  These tests will determine your LDL and HDL cholesterol levels, your triglyceride level, and the presence of beta-adrenergic blockers.
  • Kidneys and Bladder Function – Your doctor will take a patient history and discuss any history of urinary or kidney issues.  They will also order testing that will include creatine levels, the amount of protein in the urine, microalbumin, BUN, hemoglobin, and a PH screen of your urine.
  • Pancreas – You will be required to take pancreas function tests such that will measure your levels of fructosamine, urine glucose, and hemoglobin A1C.  These tests will ensure that your pancreas is performing its job properly, and there is now the presence of infection or any blood disorder.
  • Liver – Since anything you ingest will have to travel through your liver, they will use routine blood tests to ensure that your liver is performing appropriately and that there are no signs or cirrhosis or other long-term conditions.  The blood test will check for levels of AST, ALT, GGT, protein, albumin and globulin.  
  • Miscellaneous Blood Tests – In addition to the tests above you will most likely be given a screen for HIV, serum levels, and illicit drugs.

If you are interested in learning more about how physicals are used to determine your insurance rates or would like a life insurance quote, contact the experienced agents at Cordell Insurance in Baton Rouge, LA today.

Does Credit History Affect Auto Insurance?

When people apply for auto insurance in Baton Rouge, LA, their credit history often affects both premiums and the likelihood of acceptance. This means that your track record of on-time and/or late payments could influence rates. The same goes for any bankruptcies, defaults or foreclosures in your past.

Why?

Some Louisiana drivers wonder why this information matters. After all, the insurer isn’t providing a loan. Insurance companies believe that a person’s financial history helps reveal how likely he or she is to file a claim. Insurers may also consider it important because a policyholder with a high score is more apt to pay premiums on time.

Factors

An insurance provider may assess specific credit history data. However, numerous companies save time by only checking scores. The most commonly used rating is known as a FICO score. This number grades a person’s payment history based on an assortment of factors.

Major events like foreclosures and bankruptcies have the most significant impact on this score. Collection accounts also have a substantial effect. Other important factors include the average account age, account types, debt level, lateness and frequency of credit inquiries. It’s also crucial to consider the percentage of a borrowing limit that you’ve used.

No Credit

Your credit report may be blank if you haven’t used any loans or charge cards in many years. The same goes for people who divorce. This frequently results in moderately higher premiums. Nonetheless, it probably won’t raise your coverage costs as much as a largely negative history.

Cordell Insurance serves motorists in Baton Rouge, LA and the surrounding area. We have provided customized auto policies at competitive prices for more than 36 years. Our staff helps drivers compare coverage from numerous major insurers. To get started, please call Cordell Insurance at 225-767-8840.
 

5 Tips to Preventing Major Home Accidents

Having home insurance from Cordell Insurance in Baton Rouge, LA ensures you and your family are well protected against accidents. By taking necessary precautions, however, you can create a safe home environment that makes accidents nearly impossible to happen. The following safety tips can help in preventing major home accidents.

Fire Safety

During winter, supervise the use of portable heaters to reduce the risk of fire. Replace real candles with LED operated ones and keep cigarette lighters and matches far from a child’s grasp. Never leave pots unattended on the stove as they could catch fire. Make sure all smoke detectors are working properly and keep a portable fire extinguisher handy to keep fires from spreading.    

Accidental Poisoning

Keep all medicines, chemical cleaners, and garden products out of a child’s reach, preferably in a locked cabinet. Label all medications and keep them stored in their original boxes. Store cosmetics and perfumes out of sight as they can pose a threat to small children if inhaled or swallowed.

Slips and Falls  

Keep your home free of clutter to avoid tripping and falling. Secure rugs and runners with tape or non-slip pads so they don’t slide about. Install a safety gate on staircases to protect small children from taking a tumble down the stairs.  

Bathroom Safety

Always supervise small children in the bathroom, especially when bathing. Keep water heater at 120 degrees F to avoid hot water scalding. Store electric appliances such as hair dryers, electric shavers, etc., out of reach of children. Install grab bars in bathtubs and showers to prevent slipping and falling.

Lighting

Make sure stairways have ample lighting for safe usage, especially at night. Install night lights in hallways, kitchen, and bathrooms to prevent unnecessary accidents in the dark.

For more accident prevention tips or information on home insurance coverage to protect your family, contact Cordell Insurance in Baton Rouge, LA.

You’ve been in a car accident: Now what?

You’re a driver in Baton Rouge, LA and you suddenly find yourself in a car accident. Now what? Believe it or not, most people don’t really know the answer to this question. So a simple breakdown of exactly what to do when you are in a car accident in Baton Rouge is listed below, so that if you do ever find yourself in the midst of a wreck, you won’t panic.

MAKE SURE YOU AND EVERYONE ELSE IS ALRIGHT

First check yourself and everyone else. If you are in pain, try not to move unless you must away from the accident for your own safety. Check on others who were involved and make sure they are OK as well. Don’t worry about fault yet, that will be figure out later. Call the authorities or an ambulance if necessary so they can tend to more serious injuries.

CALL YOUR INSURANCE COMPANY

Call your local Baton Rouge LA insurance company, like Cordell Insurance who serves the area, and tell them exactly what happened and how bad the damage is or the injuries are. The more information you can give them the better, because your word getting in first can often be the difference of who is or is not at fault and who will pay for the damages. Of course, you may want to keep it somewhat vague as they will probably do an investiagtion of their own.

GET THEIR INSURANCE

Regardless of who is at fault, get the other person’s or peoples insurance and make copies so you can get in touch with their insurance company as necessary. You also want to do this to make sure they have insurance, which means if they are at fault they will be paying for it. If they don’t you will be the one who unfortunately ends up paying for everything. 

What Isn’t Usually Covered in a Homeowner’s Policy

You own a home in Baton Rouge, LA. That’s awesome! While you undoubtedly have at least some form of insurance for your property, it’s all too easy to just sign the paperwork without really knowing the depths of your coverage. In that spirit, Cordell Insurance has listed a few instances of things that are usually not covered in a standard policy.

Natural Disasters

This is a tricky topic because what is and isn’t covered varies by policy and region. The general rule of thumb is that earthquakes, floods, and mudslides are not covered by a standard homeowner’s policy. Even this can change if you’re in a high-risk area, but you should never assume that these are included. In most cases, if it’s a concern, you can add coverage for any of these instances.

Maintenance

When major damage is caused by something included in your policy, you can count on the policy to do its part in getting problems fixed. This does not, however, apply to routine maintenance. Seasonal routines like changing air conditioning filters or winterizing pipes are not part of your insurance plan. Uncovered issues also include clogged drains, faulty appliances, rust, pest problems, mold, rot and general wear and tear. The insurance plan is there to protect you from calamity, but the responsibility of normal care still falls on the shoulders of the homeowner.

Personal Liability

It is not at all uncommon for a policy to cover you in the case of third-party injuries. In fact, you should double check and make sure you have at least some of this coverage because you never want to be fiscally responsible for injuries that happen on your property. There is another side of personal liability, though, and it doesn’t fall under the umbrella of a homeowner’s policy. This is the side of personal liability that relates to defamation, slander and the like. For the most part, there aren’t many insurance policies for homeowners that would cover these issues, but if you want to dig deep, you can always talk to your Cordell Insurance representative to see what might be available. Living in Baton Rouge, LA can often be an adventure after all.

First Time Homeowners in Baton Rouge: What You Need To Know

Homeowners insurance policies can be hard to understand, but as a first-time homebuyer, you are in a more difficult position; trying to find an insurance plan designed to protect your largest asset, without knowing the basics of what it covers. Being under-insured can leave you dangerously exposed when you need protection the most. Here’s what you need to know about homeowners insurance.

Is Homeowners Insurance Flood Insurance?

This is a common misunderstanding among Baton Rouge, LA first-time homebuyers. Homeowners insurance isn’t the same thing as flood insurance. Flood insurance will protect your residence and property against damage caused by water, such as flooding, snow melt, rain, etc. Homeowners insurance doesn’t offer protection for this event. If you happen to live in a flood zone, you will be required to carry flood insurance by your mortgage lender. The coverage is optional, but recommended, if you do not live in a flood zone.

What Are Limits and Deductibles?

A deductible is the amount of out-of-pocket money you will have to pay for an insurable incident. Your policy may have more than one. Your insurance policy won’t offer a benefit payment unless the amount of your claim exceeds the deductible.

Limits are the maximum amount of benefits stated in your policy that your insurance company will pay out in the event of a covered incident. They should reasonably cover the value of your home and possessions, as well as exposure to liability claims. To increase your limits, ask Cordell Insurance about adding an umbrella policy for extra coverage.

Is My Personal Property and Contents Covered?

In addition to providing financial reimbursement for damages and losses to your home, homeowners insurance also offers protection for the value of your home’s contents and your personal property. This includes furnishings, electronics, clothing, music purchases and intangible software. You may need to purchase additional coverage for jewelry, art or antiques.

What is Liability Coverage?

You may be responsible for paying damages such as medical expenses and lost income if someone is injured in your home or on your property, even if the injury wasn’t a result of intentional negligence on your part. Homeowners insurance offers protection from these liabilities so that you can relax and not worry about inviting people into your home.

What Else Do I Need To Know About Homeowner’s Insurance?

There are a variety of events and incidents which are and are not covered by each specific homeowners insurance policy. In order to determine which policy limits and deductibles are necessary to fully protect your new Baton Rouge, LA home, and to learn what types of incidents are insurable, contact our office today. At Cordell Insurance, we’ll help you arrive at the perfect amount of homeowners insurance coverage for your individual needs.

Buying and Insuring a Used Car in Baton Rouge, LA

Buying a used car is somewhat of a risk unless you know every owner the car had. One of the problems many people face when buying a used car in Baton Rouge, LA is flood damage. There are many cars sold at auction that have been through floods and are not in the best condition. Superficially they look ideal but check under the hood and throughout the interior, and you will find water marks where the car was submerged.

Buying the Right Car

When you begin to look for a used car, be careful who choose to deal with. Always use reputable dealers who will verify the history of the vehicle. Inspect the vehicle you are looking to buy thoroughly to uncover any potential problems or past damage. You need to find the right car for the right price, that will last you for an extended period.

Getting the Right Insurance

Once you have a vehicle picked out, talk to your insurance agent to see if they can find out anything about the vehicle’s past. Your insurance agent should be able to tell you if the vehicle has anything wrong with it that would prevent them from providing you sufficient coverage. They will also help you get the best possible deal for your money.

Call Cordell Insurance if you have any questions on how to get your “new” used car insured. Serving the residents of Baton Rouge, LA, our office works to make sure each of our clients has the right amount of insurance for the type of car they have purchased. We can also help you uncover possible damage to the car before you buy. Ask your agent today how we can help protect you and the investment you make when you purchase a used vehicle.

Keep Your Home in Tip-top Shape in 2017

The holidays have passed and now is the time that many of us make New Year’s resolutions. We plan to work more towards getting in shape, eating right, getting organized, or finally achieving a goal we have set.  In addition to setting personal goals, have you thought about goals for your home? At Cordell Insurance of Baton Rouge, LA, we care about our clients’ personal lives and also their homes. We hope you will use these tips to keep your home in tip-top shape throughout the year of 2017.

Quarterly Maintenance Tips

Some tasks are performed quarterly. Do these at the beginning of each new season to keep it simple:

  • Check the water heater’s pressure relief valve.
  • Clean the range hood filter.
  • Clean out the refrigerator and freezer.

Monthly Maintenance Tips

Monthly tasks must be performed often for good home maintenance. These include checking the HVAC air filters and changing them out. Test your smoke alarms and electrical outlets on a monthly basis. It is critical to your home’s safety that these are functioning properly. To keep up with home maintenance, yet not overload yourself with chores, set up a schedule of tasks to perform each month. Here is an example for the first six months of 2017:

January – check and repair caulking on windows, bathrooms, and kitchens.

February – check water drainage around the home.

March – get AC inspected.

April – clean gutters and check for damage.

May – clean interior and exterior vents, including HVAC vents.

June – clean window surfaces, sills, and screens.

At Cordell Insurance of Baton Rouge, LA, we hope your home stays in tip-top shape all year long.  If you have an issue we can help with, contact one of our knowledgeable insurance agents.    

What You Should Know About Flooding and Home Insurance in Baton Rouge, LA

If you live in Baton Rouge, LA, you know that flooding is a distinct possibility at any time. You should make a point of being aware of what kinds of damage home insurance will actually cover in the state of Louisiana if you want to make sure that you have the appropriate coverage to protect your home and belongings.

One common misconception is that home insurance policies will cover damage that occurs as the result of a flood. Generally speaking, home insurance will not cover this damage. In order to have your home protected financially in the event of a flood, you will need to purchase a flood insurance policy in addition to your home insurance policy. The Federal Emergency Management Agency (FEMA) has said that flooding is the number one in terms of natural disasters in the United States, and this is especially applicable to the state of Louisiana, which is considered by FEMA to be a flood zone. As such, you should make sure that you are prepared for the event of a flood. You cannot rely solely on your home insurance policy to help recover your home and belongings in the event that they are destroyed by a flood, so you will need to purchase a flood insurance policy as well.

If you are a resident of Baton Rouge, LA, and you are interested in knowing more about home insurance and how it applies in the event of flooding, you can feel free to contact the professionals at David Cordell Insurance. The agents at David Cordell Insurance can tell you everything that you need to know about home insurance in the state of Louisiana and answer any questions that you might have. They can tell you what you need to do in order to be able to ensure that you will not lose your home and everything you own in the event of a flood.

Reasons You Need RV Insurance

Whether you live in an RV full time or simply use one for recreational purposes, purchasing RV insurance is of the utmost importance. A low-cost way to protect one of your most expensive investments, purchasing a quality RV insurance policy now can save you tons of time, money, and effort in the future. Are you curious about the benefits of RV insurance? You’ve come to the right place. 

Much-Needed Coverage

Although many believe that their auto insurance policy provides enough coverage for their RV, they are often mistaken. Given the value of the average RV as compared to the average vehicle, it is clear that the costs to repairs accidents related to an RV could be quite a bit costlier than that of an accident caused by a smaller vehicle. Therefore, purchasing an RV insurance policy is the best way to protect yourself from expensive claims and lawsuits. 

Cover a Vast Array of Vehicles

Whether you use your RV for recreation, as a home, have a detachable trailer, an array of connected appliances, or any other combination of factors, RV insurance allows you to make sure each and every part of your vehicle is covered. 

Customizable Packages

As with general auto insurance, clients are able to purchase customized packages that provide the level of coverage they are seeking. This means you are free to pick the policy that provides the coverage most suitable to your financial status as well as coverage goals. 

Overall, if you are seeking quality RV insurance in Louisiana , Cordell Insurance is here to serve you. Offering customizable packages for recreational vehicles of all kinds, call, email, or stop in today to get your customized quote and find out how you can save!