Neal Truesdale

Personal Services


Auto Insurance

For some people, a car expresses the essence of their being. To others, it's an object to get from point A to point B. Neal-Truesdale Insurance offers a variety of coverage packages and companies to choose from, based on your specific needs.

Depending on the company you choose, you may qualify for discounts:

- Being a Good Driver
- Being a Good Student
- Driving a Safe Car
- Having a Homeowner's Policy with your auto insurance carrier

Other advantages you could enjoy:

- Free Windshield Repair
- 24-Hour Claims Hotline
- Guarantee on Repairs
- Flexible Payment Options

Advantages vary from company to company, and some require the purchase of certain coverages. We'll review your options to find the company and coverage that are right for you.


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Homeowner & Renter Insurance

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. Neal-Truesdale Insurance can help you determine which of several companies best meets your needs and provides the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you may qualify for discounts:

- Having a burglar alarm
- Having a newer home
- Being claim free in the past
- Insuring your vehicles with the same company

Other advantages you could enjoy include:

- Repair Guarantees
- 24-Hour Claims Hotline
- Flexible billing?including coordination with your mortgage company
- Living expense if your home becomes uninhabitable due to a claim


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Health & Life Insurance

Neal Truesdale Insurance can get you the best rates on your health insurance. Covering medical, dental, disability and long-term care, we will help you customize your own individual policy.

Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family by providing a death benefit to your family in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living.

Advantages of the Death Benefit
- Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind.

- Provides business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits
- The cash value growth of a permanent life insurance policy is tax-deferred 1, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.

- Loans 2 or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

1 Accumulated growth may be taxable upon withdrawal. If the policy is a Modified Endowment Contract (MEC), tax penalties may apply prior to age 59 ?. Consult a tax advisor on your specific situation.

2 Policy loans and withdrawals reduce cash value and the death benefit and may be subject to other charges outlined in the contract.

Assessing Your Need
The amount of life insurance you select should be dependent on your personal and financial needs. Neal-Truesdale Insurance assists in determining an appropriate coverage amount and helps you decide on which type of life insurance is right for you.

Generally, you should consider life insurance if you have:

- A spouse
- Dependent children
- Aging parents or a physically challenged relative who depends on you for support
- Retirement savings that is not sufficient to ensure your spouse's future financial well being
- A sizable estate
- A business

Life Changes -- So Should Your Policy
As events happen in your life, your life insurance coverage may need to change to adapt to your current needs. Some life changes that may require you to reevaluate your coverage include: marriage, divorce, a new baby, purchase of a new home and retirement. Whatever your age or lifestyle, Neal-Truesdale Insurance will help find the perfect life insurance plan for you.

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Renter's and Condominium Owner's Insurance
As a renter or condominium owner, you have special insurance needs that are not served with a traditional homeowner's policy. We can provide you with insurance protection for your furniture, appliances, clothing and other personal possessions.

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Recreational Vehicle Insurance
We offer policies for a wide variety of boats, motorcycles, motor homes and trailers. We will recommend the protection that's right for you.

Personal Umbrella
Monetary damage awards from lawsuits continue to increase. Personal Umbrella policies provide you with an extra layer of liability coverage above and beyond what your auto, home or boat policies provide. Check with us to see if an Umbrella Policy makes sense for you.

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