The state of Ohio requires that you comply with the state’s Financial Responsibility (or FR) Law. The FR law requires each Ohio driver to demonstrate an ability to pay for injuries to other people or damages to other people’s property if the driver causes an accident. Buying insurance is one way to show financial responsibility and the easiest way to comply with the FR law.
Depend on Krueger Insurance to provide auto insurance that fits the way you drive:
Homeowners need a homeowner's package to protect their homes and personal property. Tenants need a renter's package to protect their furnishings and other personal property. Both homeowners and renters need liability for accidents that injure other people or damage property.
For added peace of mind protection, have Krueger Insurance quote an umbrella liability policy that will add a minimum of $1,000,000 in additional liability protection over the auto and home/renter/condo policies.
Life insurance provides money to beneficiaries after an insured loved one dies. Most employer sponsored life benefits are only in place while you work for a given employer. The Ohio Department of Insurance urges consumers to regularly review their need to secure life insurance as part of their financial and estate planning.
Term life provides life insurance protection for a specified term of years for a specified premium. The policy does not accumulate any cash value. Term insurance premiums are typically the lowest premium cost.
Whole life insurance provides for a level premium and a guaranteed cash value. Cash values can be accessed through policy loans which decrease the death benefit if not paid back. Premiums are typically much higher than term insurance for the same death benefit.
Universal life insurance provides permanent insurance coverage with greater flexibility in premium payment and potential for a higher internal rate of return. Universal life includes a cash account. Interest is paid within the policy and mortality charges and administrative charges are charged against the cash account.
While many people have health insurance from their employer, there is an increasing number of individuals whose employer can’t afford the cost of providing employee health insurance, individuals who leave a job and exhaust their continuation rights, and individuals who are unemployed and without health insurance.