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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Why Health Insurance Is a Good Investment

You’ll not make a better decision in your life than investing in health insurance. Even if you’re healthy today, you may fall ill in the future, more so as you advance in age.

In such times, your health insurance policy will cover your medical expenses, saving you from the ever-rising healthcare costs in the U.S.

As insurance experts from Maschoff Insurance in Ankeny, IA, will tell you, investing in health insurance is an excellent plan because of the following reasons:

You’ll Avoid Paying Huge Hospital Bills

Generally, healthcare costs are high in most states, and Iowa is no exception. If you don’t have health insurance, you’ll feel robbed every time you have a medical expense.

When you have big hospital bills, you may have to draw from your savings. But with a good health insurance plan, all your hospital expenses will be fully covered.

Saves Your Family From Mental and Financial Distress

When you fall sick, your immediate family members get concerned. Especially if you get admitted to the hospital for a serious disease, your family may worry sick.

But when they know that your hospital bills are covered, they’ll not have financial distress. This will allow them to seek the best healthcare services for you so you can recover fast.

Complements Employer-Sponsored Health Insurance

You can buy health insurance to get extra coverage on top of your employer’s plan. Your employer-provided health insurance may not provide the coverage you seek, or you may have added a dependent who is not covered under your current plan.

Speak to a Professional at Maschoff Insurance in Ankeny, IA

When buying health insurance policies, you’ll benefit from the knowledge and experience of insurance experts at Maschoff Insurance.

You can trust that we will get you a health insurance policy that works best for you and your family. Give us a call today, and we’ll take it from there.

Why life insurance matters

Life insurance matters because it is a gift to your loved ones. Every person has a different need and a different financial situation. That is what makes life insurance so important. At Maschoff Insurance in Ankeny, IA we are an independent insurance agency whose focus is on our customers. By getting to know our customers, we are better able to help them choose the right life insurance products. 

When you are planning your future, your financial future plays an important part in those plans. Financial planning helps you to make sure that not only are you financially stable today but also in the future. It is never too early to think about retirement and having the kind of later years that are free from money worries.

Life insurance has a role in these plans for the future. There is more to life insurance than just the death benefit. The death benefit is there to make sure that if you are not there, your family will be able to continue to live the life they had when you were alive. This means you have to provide the funds they will need to take the place of your income. 

Depending on the type of life insurance you choose, you may also be earning dividends and, in addition to the death benefit, you will have cash value to draw on if you don’t die. This is a double benefit. Especially when you are young and not prone to saving, having a whole life insurance policy allows you to save for the future while having the safety of the death benefit. 

Life insurance matters to your dependents but it also matters for you. Having a plan for the future is the best way to guarantee that you will be financially secure, not only today but tomorrow. 

Contact Maschoff Insurance in Ankeny, IA to discuss your life insurance needs. 

Full Coverage Auto Insurance

Full coverage auto insurance typically provides liability, collision, and comprehensive coverage. This coverage protects you from damages associated with an accident, acts of nature, and theft. Full coverage is often more than the minimum state requirements; however, many Ankeny, IA lenders require full coverage during the loan term. 

Call the agents at Maschoff Insurance today to discuss full coverage auto insurance options available. 

What Is Full Coverage Auto Insurance?

Full coverage provides several coverage options together to build a complete auto insurance policy. Typical full coverage policies include liability, collision, and comprehensive coverage. In most situations, full coverage also includes personal injury protection, uninsured and underinsured motorist coverage. 

How Much Does Full Coverage Auto Insurance Cost? 

In addition to what your policy includes, many factors affect the cost of auto insurance premiums. These factors include driver’s age, driving record, insurance company, deductible, coverage limits, geographic location, and vehicle (make, model, mileage, and age). On average, full coverage costs around $350 per month. 

Do I Need Full Coverage Auto Insurance? 

No one auto insurance policy fits every driver on the road or fits all your driving and insurance needs. There are times when you may wish you had full coverage auto insurance, but it is too late. Reasons why you may need full coverage insurance include: 

  • You bought a new car
  • You live in a high-risk area
  • You cannot afford to repair or replace your vehicle

Full coverage auto insurance may not be the best option if you rarely drive your vehicle or the car is not worth a lot of money. 

Insuring your vehicle in Ankeny, IA is essential to protect yourself financially in the event of an accident or theft. Call Maschoff Insurance today to discuss your auto insurance needs and to determine if full coverage is the best option for you. 

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