Financial Services

read moreOur dedicated staff of insurance professionals are here to assist you in securing a life insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way. We've successfully served hundreds of customers and are determined to treat each individual with respect and compassion.

read moreWhat is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months or a year.

read moreWhy do you need insurance for your motorcycle? You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Your Independent Agent is an advocate for finding insurance that meets your specific needs. Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

read moreCoverages and benefits listed below may not be available in your state. If available, some optional coverages and benefits might be offered at an additional charge. Contact CLARKSVILLE INSURANCE AGENCY today to learn more. A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge. A benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness.

read moreThere are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

read moreAs a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.

read moreRecreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities. Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others.