Life Insurance Premiums

Factors that Affect Life Insurance Premiums


Factors that affect life insurance premiums
Bogle Agency Insurance, answering all of your questions about life insurance

Factors that affect life insurance premiums include health and habits. Some factors may only increase your premiums slightly, but others can create a big difference. Anything viewed as a risk to your health and lifespan will affect the cost of your insurance policy. If you are worried about your eligibility or the cost of an insurance policy take the time to sit down with your NJ insurance agent. Your agent will be able to explain the differences between policies and what risks you have that will affect your premiums.

Personal Habits that Can Affect Insurance Policies

Habits that will affect your insurance include smoking cigarettes, drinking heavily, and overall risky behavior. Your age is an important factor as well. Purchasing a policy in your twenties is certainly cheaper than purchasing one in your forties. Usually, health concerns include high cholesterol levels, excessive weight, and disease.

Policy Details that Can Affect Insurance Prices

Another factor that affects life insurance premiums is the length of the policy; typically, a 30 year term is going to cost you more than a 10 year term. The longer the policy the more likely death could occur within its term, therefore higher premiums. All of the factors that affect the cost associated with a life insurance policy will be discussed with your Bergen County insurance agent. Take the time to evaluate your needs in a policy and what your goals are while also determining the risk you pose as the insured.

Why call Bogle Agency Insurance?

Bogle Agency Insurance is the authority on personal and business insurance in Bergen County and throughout New Jersey.  Contact our team today to learn more about life insurance and what you might expect to pay with your health and habits in mind. Our Bergen County insurance agents are educated, knowledgeable, and available to answer all of your questions. Let our team at the Bogle Agency help you feel comfortable with your life insurance options. We can help you choose the right New Jersey life insurance plans for you and your family.

Why Use an Insurance Agent?

Bergen County NJ Insurance Agent | Bogle Agency Insurance


NJ business insurance
Bogle Agency Insurance, your Lyndhurst NJ insurance experts

Most people search for everything online these days, and insurance agents are no exception. However, it’s important to realize that search results simply cannot replace human interaction and local knowledge. If you are looking for a particular type of insurance in Bergen County, our independent insurance agents at Bogle Agency Insurance can help you find the coverage you need.

 

What Do Insurance Agents Do For The Customer?

In the simplest terms, an insurance agent works as a liaison between you and the insurance company, providing all of your administration needs and helping you find coverage that suits your needs. There are two types of insurance agents: captive and independent. Captive agents represent one company and independent agents provide a conduit to numerous agencies. Bogle Insurance Agency acts as an independent insurance agent, offering you access to numerous products from a variety of companies, ensuring that you get the coverage you need from the insurance company that will provide you with the best value and service. Insurance agents act on behalf of the insurance companies they are representing.

An insurance broker is a licensed and educated individual who has the ability to analyze the needs of a business. This is similar to an independent agent but in this case, a broker is required to hold a broker’s license. As a result, there is a higher liability associated with the license and the expertise a broker provides. There is often a charge associated with a brokerage as well in addition to the commission realized from the insurance company. Brokers represent the insured.

 

Deciding How To Choose Your Insurance Representative

 

The choice of whether you go with a Bergen County insurance agent or a broker is yours. Your top priority should be getting the coverage you need at a fair price and choosing a company with a solid reputation matters. Bogle Agency Insurance has extensive experience selling insurance in Bergen County. We represent a large number of insurance companies allowing us to help our clients select the best possible coverage and obtain the best pricing at the same time. In addition, our Bergen County insurance agency is a member of the American Insurance Marketing and Sales Society (AIMS), Independent Insurance Agents of America (IIAA), and Professional Insurance Agents Association (PIA). We have access to a limitless number of resources, are highly knowledgeable, and look out for the best interests of our clients.

Contact our team of Bergen County insurance agents today to learn more about your insurance options.

Bergen County Insurance, Coverage for Roofing Contractors

Bergen County Insurance, Coverage for Roofing Contractors


Bergen County Insurance
Bogle Agency Insurance, Bergen County insurance coverage for home & business

Bergen County Insurance exists to cover individuals and businesses when casualties and unforeseen events occur. Roofing contractors are a prime example of a company benefiting from insurance. Roofing companies need quality coverage.  This protects liability with a product once installed, as well as any associated damage or defects. Having the right coverage is imperative.  Your NJ insurance agent will help you make sure your policy is comprehensive.

Roofing contractors in Bergen County can rest easy knowing their needs are met by Bogle Agency Insurance. Roofing issues that occur can trickle down to other aspects of a home, including the foundation. When issues go this far it is not only a big deal for a homeowner but for the roofing contractor as well. No roofing company wants to be caught without a Bergen County insurance policy in this event. A roof is an essential asset for any home.  When a roof replacement is fraught with issues a homeowner will react. If you own a roofing company in Bergen County NJ you need the right insurance coverage.

Bogle Agency Insurance will not only match your company with the right insurance package but also be there for you in the event a claim needs to be filed. What should you expect your policy to cover? Leaking, injuries, and issues related to design of the roof for starters. Protecting yourself, your company, and your employees is essential to running your Bergen County business.

Contact Bogle Agency Insurance TODAY

Contact our team at Bogle Agency Insurance today to learn more about Bergen County commercial insurance policies that will protect your roofing company. We welcome the opportunity to sit down and explain your options and determine the coverage that will keep your company safe. Let our knowledge and experience serve as your guide to Bergen County insurance, making sure you understand your coverage completely.

New Jersey Insurance Plans, High or Low Deductible

New Jersey Insurance Plans – High or Low Deductible?


New Jersey Insurance Plans
Bogle Agency Insurance, Bergen County New Jersey Insurance Plans experts

An examination of New Jersey insurance plans may have you wondering whether to go with a high or a low deductible. This is a good question to ask yourself and your insurance agent when purchasing a plan.Customers should always weigh out the pros and cons of a high deductible vs. a low deductible carefully before signing up for a Bergen County NJ insurance policy.

A major benefit of a high deductible is the lower premium. This is great for a person who has a rainy day fund available. For those living paycheck to paycheck, higher deductibles could be a huge setback. Although no one can force the use of insurance, the reality is that it exists for protection against the unforeseen.

Low deductibles are available to help keep money in your pocket during an unfortunate event. This can offer great peace of mind in the event something occurs. However, a low deductible means a higher monthly premium. Consider your insurance policy carefully and discuss your options with your NJ insurance agent. The decisions you make now could affect you down the road.

Contact Bergen County insurance experts today

Contact our team at Bogle Agency Insurance today to learn more about a variety of personal and business insurance policies available. Our Bergen County insurance agents are educated, knowledgeable and available to help answer all of your questions. Let our team help you feel comfortable with your insurance options. We can be your guide to choosing the right New Jersey insurance plans for you, your family, and your business.

BOGLE AGENCY SELECTED BEST PRACTICES AGENCY FOR ELEVENTH YEAR

 BOGLE AGENCY SELECTED BEST PRACTICES AGENCY FOR ELEVENTH YEAR

 

Announcement

In August 2014, Bogle Agency Insurance was selected as a Best Practices Agency!  This is our Eleventh Consecutive Year Being Selected!

bestpractices

 

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency.

Each year the Independent Insurance Agents & Brokers Association (IIABA) and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading insurance agencies.  The purpose of the Best Practices Study is to compile the operating statistics of the country’s leading insurance agencies.  To achieve this objective, the insurance agencies included in the annual study must first be nominated for participation by their peers and/or insurance companies to participate in this study group.  The insurance agency must then submit detailed financial and operational information which is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence including growth, profitability, productivity, and financial stability.

Our insurance agency qualified for participation in this status by ranking among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting.  Of the thousands of insurance agencies in the United States in 2014 less than 200 insurance  agencies scored high enough to qualify for this award.

We are pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the past 11 years.

Participation in the Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies.  Our inclusion with these other outstanding insurance agencies clearly recognizes us as an industry leader.

BestPracticesAgency_2013

 

Sincerely yours,

 

Bogle Agency Insurance

Philip R. Bogle

BOGLE AGENCY INSURANCE TEAMS UP TO SUPPORT COMMUNITY HEALTHCARE

FOR IMMEDIATE RELEASE:

 

Bogle Agency Insurance, Agency Network Exchange

201-939-1076

prbogle@bogleagency.com

 

 

BOGLE AGENCY INSURANCE AND AGENCY NETWORK EXCHANGE SUPPORT COMPREHENSIVE BEHAVIORAL HEALTHCARE THROUGH MATCHING GRANTS FROM THE SELECTIVE INSURANCE GROUP

 

 

Lyndhurst, NJ, August 4, 2014 – Bogle Agency Insurance, in conjunction with Agency Network Exchange and The Selective Insurance Group Foundation, joined forces to support the positive efforts of Comprehensive Behavioral Healthcare through a $1,000 grant.

 

“As part of the Lyndhurst business community for 95 years, we take pride in giving back through opportunities like this,” said Philip R. Bogle, owner of Bogle Agency Insurance and member of Agency Network Exchange. “We are proud of the work that Comprehensive Behavioral Healthcare does locally and throughout the state of New Jersey in helping people with mental illness, and we support them wholeheartedly. We also thank Selective for making this matching grant possible.”

 

The grant represents a $500 donation from Bogle Agency Insurance and Agency Network Exchange, matched by a $500 grant from The Selective Insurance Group Foundation.

boglegrant

 

“The matching grant program allows us to partner with our agents to support the needs of the communities we serve,” said Chuck Musilli, Senior Vice President, Chief Field Operations Officer for Selective.

 

Bogle Agency Insurance is an independent insurance agent that has served the northern New Jersey community since 1919, through four generations of the Bogle family. Agency Network Exchange (ANE) is a network of independent, growth-oriented agencies with the scale to increase contingent income, access broader markets and provide exclusive programs – all without giving up control of their agencies!

 

Selective Insurance Group, Inc. is a holding company for ten property and casualty insurance companies rated “A” (Excellent) by A.M. Best. Through independent agents, the insurance companies offer primary and alternative market insurance for commercial and personal risks, and flood insurance underwritten by the National Flood Insurance Program. Selective maintains a website at www.selective.com.

 

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FIREWORKS SAFETY – July 2014

Fireworks Safety – July 2014

 

At Bogle Agency Insurance, one of the things we strive for is your safety under all circumstances! And during our country’s independence month, firework safety is very, very important.

 

We know everybody likes to have a little fun over the July 4th holiday, especially with the vast array of firecrackers, colorful bottle rockets and high-flying missiles available for purchase, but we urge and stress you to DO IT SAFELY. With that said, here are some great guidelines to maintaining the fun, while maintaining your fingers too!

fireworksafety

The safest way to enjoy fireworks is to attend a public fireworks show put on by professionals. Stay at least 500 feet away from the show. Many states outlaw most fireworks. If someone is setting fireworks off at home, they should follow these safety steps:

–Never give fireworks to small children, and always follow the instructions on the packaging.

–Keep a supply of water close by or fire extinguisher as a precaution.

–Make sure the person lighting fireworks always wears eye protection.

–Light only one firework at a time and never attempt to relight “a dud.”

–Store fireworks in a cool, dry place away from children and pets.

–Never throw or point a firework toward people, animals, vehicles, structures or flammable materials.

–Leave any area immediately where untrained amateurs are using fireworks.

 

For a complete list of the local fireworks displays throughout the state of New Jersey, click here: www.nj.com/news/index.ssf/2014/07/july_4_events_2014_nj_fireworks_parades_music_and_more.html

And if you need any more tips, or further information concerning fireworks safety, please visit the Consumer Product Safety Commission at this website: www.cpsc.gov/en/Safety-Education/Safety-Education-Centers/Fireworks/

 

Thank you, and have a wonderful Fourth of July!!

Bogle Agency Insurance

 

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#Throwback Thursday: The Importance Of Tradition For Bogle Agency Insurance

#Throwback Thursday: The Important Of Tradition For Bogle Agency Insurance

 

 

At Bogle Agency Insurance, we’ve been around the Lyndhurst, New Jersey community for a long time, and we’re very proud of it!

Exactly how long you ask? Since 1919, and on this “Throwback Thursday” we’ve got the pictures to prove it.

Horace R. Bogle, pictured below, founded The Bogle Agency, Inc. in 1919. We have since been providing insurance to the businesses & families of New Jersey for over 95 years! Since then, we have gained the trust of thousands of clients throughout the years. Just recently, we have succeeded in keeping our great tradition alive by now becoming a fourth generation agency. As an Independent Agency, we hope to continue following in the same path as our ancestors in maintaining as well as creating stable relationships for years to come.

horacebogle

 

How did we look back in the early days of Bogle Agency Insurance? How about these photos, that currently adorn the conference room in our state-of-the-art, eco-friendly new office building at 200 Stuyvesant Ave. in Lyndhurst, New Jersey! We even advertised back then!

 

oldboglebuilding oldboglead

 

So, the next time you have an insurance need or question, why not consider us! We’re all about protecting you and your family with the decades of experience that “our” family can provide. Our personnel are not only licensed and trained in the field of insurance, they are also friendly, courteous and responsible.  After all, servicing our clients is what has made our agency one of the most prestigious agencies in New Jersey.

 

“As the president of this agency, it would be our pleasure to administer your insurance program in any way possible. We look forward to keeping excellent contact with our clients. After all, you deserve an insurance agency that is dedicated to understanding the insurance industry and how it is related to you as the customer.”

Sincerely yours,

Philip R. Bogle, owner

Bogle Agency Insurance

 

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Bogle Agency "Refer A Friend" Returns

Refer a friend to our agency and get a complimentary $25 Visa gift card!

 

25visagiftcard.jpg

Here at the Bogle Agency, we’re looking for new business, and we are willing to pay you to help! 

 

If you refer a friend, who activates a new personal or commercial policy with us any time in September or October, we will send you a $25 Visa Gift Card as a reward. It’s that simple, but there will be a limit of one reward per household, and it must be on a new policy, not a renewal or existing policy. 

 

This is just our way of saying Thank You to the best clients in the business and we hope you’ll share that opinion with your family and friends.

 

To claim your reward, just make sure your friend mentions this program when they call the office for a quote at 201-939-1076 or 1-877-453-7358.  They can also e-mail us at: philbogle@bogleagency.com or send us a message via Facebook on our Fan Page, and while you’re there, make sure to LIKE us too!

At Bogle, we strive to give our clients the best possible service at the best possible price.  That’s what we’re here for, and we hope to hear from you soon.

Thank you!

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BOGLE AGENCY INSURANCE RECEIVES BEST PRACTICES AWARD FOR TENTH STRAIGHT YEAR

BOGLE AGENCY INSURANCE RECEIVES BEST PRACTICES AWARD FOR TENTH STRAIGHT YEAR

 

In August 2013, Bogle Agency Insurance was selected as a Best Practices Agency. This is our Tenth Consecutive Year Being Selected!

thankyou.jpg

Bogle Agency Insurance is part of an elite group of independent insurance agencies around the United States selected as a Best Practices Agency. Since 1919, we’ve proudly served Garden State residents with all of their New Jersey insurance needs

Each year the Independent Insurance Agents & Brokers Association (IIABA) and Reagan Consulting, an Atlanta-based management consulting firm, join forces to study the country’s leading insurance agencies. The purpose of the Best Practices Study is to compile the operating statistics of the country’s leading insurance agencies. To achieve this objective, the insurance agencies included in the annual study must first be nominated for participation by their peers and/or insurance companies to participate in this study group. The insurance agency must then submit detailed financial and operational information which is analyzed, scored, and ranked objectively for inclusion in the study on the basis of operational excellence including growth, profitability, productivity, and financial stability.

Our insurance agency qualified for participation in this status by ranking among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting. Of the thousands of insurance agencies in the United States in 2013 only 213 insurance agencies scored high enough to qualify for this award.

We are pleased to have retained our Best Practices Agency Status, as one of the top performing insurance agencies in the country for the past 10 years.

Participation in the Best Practices Study has become a prestigious recognition of the superior accomplishments of the top insurance agencies. Our inclusion with these other outstanding insurance agencies clearly recognizes us as an industry leader.

Thank you to our clients and staff for making this award possible!

Come see why Bogle Agency Insurance should be the one stop you make for all your insurance needs. Call us today at 201-939-1076 or 1-877-453-7358, or just visit our website for a free quote or insurance review at: www.BogleAgency.com.

 

Sincerely yours,

Philip R. Bogle,

Owner, Bogle Agency Insurance

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