Can Minors Be Life Insurance Beneficiaries?

Many people take out a life insurance policy to ensure their children are cared for in the event that they pass away unexpectedly. However, one of the questions that people often ask us at Insurance Pro Group Inc., serving the greater Suwanee, GA area, is whether minors can be life insurance beneficiaries. Here is what you need to know about this topic. 

Life Insurance Beneficiaries

Minors can be named as a beneficiary on a life insurance policy. However, minor children typically cannot receive the money from the life insurance policy if it pays out while they are still a minor. If you pass away and the child is underage, the money typically is held in an account until the child reaches either 18 or 21, depending on the terms of the policy and the age of majority in the state in which the policy is signed in. 

If you are concerned about your child being taken care of until they reach the age of majority where they receive the money, you can set the policy up so that it has a Uniform Transforms to a Minor clause in it. The money is transferred to the individual who cares for your child to spend on your child’s needs. Once your child reaches the age of majority, they transfer the remaining balance to your child. Unfortunately, no one oversees these policies, so the money needs to go to someone you trust to spend the money responsibly on your child. 

If you are looking to take out a life insurance policy in the greater Suwanee, GA area, Insurance Pro Group Inc. can help you. Contact us today to talk to one of our agents about your life insurance needs or to obtain a quote. 

Beyond Liability: The Importance of Full Auto Insurance

Since we began serving Suwanee, GA, we’ve noticed that many people only choose the bare minimum liability insurance for their vehicles. We, at Insurance Pro Group, Inc., feel it’s important to address the other options available to you. We hope by the end of this post our readers will understand why a fuller policy is the better investment!

What is full auto insurance?

In short, full auto insurance is a package of policies designed to protect you and your vehicle from common hazards. This usually includes protections for liability, collisions, and comprehensive coverage for incidents that are not the direct result of an accident.

  • Liability – Coverage for damage and bodily injury to others in an accident you caused. It does not cover damage or injury to yourself or your vehicle. This is barest minimum coverage required by the state.
  • Collision – Coverage for repairs or replacement of your vehicle after an accident. This usually covers incidents of running into another car, running into objects, or rolling the vehicle. 
  • Comprehensive – Coverage for damaging incidents that are not the direct result of a collision or accident. This can include fire damage, vandalism, theft, falling objects, or natural disasters. 

Why is full auto insurance important?

While a basic liability policy will allow you to drive legally, it can’t protect your assets after an accident. Should you, unfortunately, cause an accident, liability coverage will only cover the expenses of the person you crash into. This means that all damages to your vehicle will have to be paid out of your pocket. These costs can quickly pile up and may make it impossible for you to fix your vehicle.

If you’re a driver in the Suwanee, GA area, allow Insurance Pro Group, Inc. to find you a full auto insurance package to keep you on the road!

Does Your Business Really Need Commercial Insurance?

Whether a business needs commercial insurance can be affected by many things. Some businesses, such as those that are internet-based, may not need to have an insurance policy. That’s especially true if the company is a sole proprietorship and there aren’t any employees to cover. If there’s just the owner, and no customers come to the location where they could probably get hurt, that Suwanee, GA area business probably doesn’t need a commercial insurance policy. But Insurance Pro Group, Inc. can advise you, and let you know whether your business needs that policy or can operate safely without it.

For most businesses, commercial policies are required. They’re designed to protect the business, but also to protect any employees or customers who may become injured at the company’s location. But not all commercial policies are the same, and just getting one to get your business moving forward isn’t going to help you too much. Instead of taking risks by picking a policy you don’t know much about, it’s better to choose a commercial insurance policy that’s right for you. How can you do that? By working with an insurance agency that has knowledgeable agents, and that can give you multiple quotes from different companies.

If you have a business in the Suwanee, GA area and you need a commercial insurance policy or have questions about them, reach out to us at Insurance Pro Group, Inc. We are here and happy to help you find the commercial policy that’s going to work for your needs. Since every business is different, you may need different types and levels of coverage. We understand that and will work with you to ensure your insurance needs are met so your business can grow with security.

Are there ways to get discounts on my home insurance?

Protecting your home in Suwanee, GA is important, and most people wouldn’t dream of going without home insurance. Knowing that your home is protected gives you peace of mind because you know that you are protecting your family. But insurance is an expense, and it never hurts to try to save money so you can spend it on something else. At Insurance Pro Group, Inc., we may be able to help save you money on your home insurance policy.

The best way to get a discount on your insurance is to bundle your policies together. If you bundle your policies together and purchase them in one place, your insurance company will give you a loyalty discount for having multiple policies with them. Policies may differ as to what other kinds of discounts will be offered, but there is a wide range of possibilities you can consider. 

New homes often get an automatic discount, and anyone who goes for a certain length of time without making a claim may be able to ask for an extra discount. There is a wide range of safety discounts that may be available, and you may qualify by having a burglar alarm, smoke detector, or water safety system. Storm shutters may qualify you for an additional discount. Some insurance companies offer an automatic discount for renewing with them for another year, or for paying the annual policy amount at once instead of making monthly payments.

If you would like to discuss a home insurance discount in Suwanee, GA, please call Insurance Pro Group, Inc. today for a free consultation and evaluation.

Do Employers Ever Offer Life Insurance?

Life insurance is something that everyone can benefit from but that not all people have access to. That being said, in some cases your employer may offer some sort of life insurance policy as an incentive or as part of your insurance package. For the most part, your employer is only going to offer basic health insurance, and they are only required by law to provide health insurance if they have a certain number of employees. For those in the Suwanee, GA area, the agents with Insurance Pro Group, Inc. can help you better understand any life insurance coverage that your employer may offer.

So why do some employers offer life insurance while others do not?

The simple answer is that not all employers have the opportunity to offer life insurance at a price that would be reasonable for them to pay. Similarly, not all employers want to purchase life insurance plans for employees. If your employer does not offer life insurance, there are some options that you have to get a great policy. You can always go to an insurance agent and purchase your life insurance policy with the specifics that you are interested in. Life insurance is highly beneficial for all those that hold it.

For those that do have a policy, you can borrow against it if you need money, you can collect on it if you are injured in many cases, and you can also help your family deal with any financial struggles should you pass. Life insurance is something that everyone should consider and taking the time to look at a few different options with the help of an agent is the best way to get the policy that works for you. For those in the Suwanee, GA area, the agents with Insurance Pro Group, Inc. can help.

Auto Insurance for Multiple Drivers

As is the case in the majority of states in the US, motorists are required to meet the minimum level of auto insurance requirements in Georgia. Failure to adhere this requirement attracts punishment that may range from a simple fine to a possible jail term. If you happen to be looking for auto insurance coverage in the Peach State, Insurance Pro Group, Inc. in Suwanee, GA has you covered. We offer a wide range of policies that are tailored to cater to the unique needs of our customers.

What If There Are More Than One Drivers?

But what happens when the car you are looking to insure has multiple drivers? Well, no need to worry. We can still customize the policy to include the person(s) you want to be covered under the policy, whether they’re a family member or not. There are two ways to go about that:

  • Members of the Same Household – Typically, an auto insurance policy covers all the drivers in a household (members of the family) unless the said individual(s) are excluded from the policy. Most insurance providers require that all related drivers in a household are covered under the same policy. 
  • Named Drivers – Persons who are not members of the family or do not live in the same household with the policyholder can still be covered in the policy. This means that friends, colleagues, employees, and any other person or persons who use the car on a regular basis can be added to the policy as a named driver. 

Always reveal all the required information when purchasing car insurance. All available auto insurance options including auto liability coverage, underinsured/uninsured driver protection, collision or comprehensive coverage, and medical payments are available for policyholders with multiple drivers on their policies. For information on how to purchase car insurance for multiple drivers from Insurance Pro Group, Inc. in Suwanee, GA, give us a call and speak to one of our agents or visit our offices.

Your Start-Up Business Could Use Commercial Coverage

If you’re running a start-up business, you’ll need to secure adequate commercial insurance. Insurance Pro Group, Inc. is here to provide coverage, and we want you to know about the best options currently available for start-ups in Suwanee, GA. Among the many policy options out there, it can be difficult to figure out which type of insurance is the most beneficial. Check out these commercial policy options available for today’s entrepreneurs and start-up gurus.

General Liability Insurance

Regardless of how well-trained your start-up’s employees are, you’ll still be vulnerable to liability claims. Liability insurance will provide coverage for the many expenses which start-up owners eventually face. Don’t get wiped out by a settlement or lawsuit. Stay protected, legally, from the beginning.

Property Insurance

Even if your start-up has few property needs, you’ll still need to defend what property you currently own. Your start-up business does operate out of a physical location, and that physical location houses physical assets. Property insurance policies cover business buildings, inventory, equipment, and supplies. As a start-up owner, each of these items is vital to your future growth and success.

A Business Owner’s Policy

A business owner’s policy—often called a BOP—bundles commercial property insurance and general liability insurance together. It offers the best of both worlds. It’s also affordable. A single BOP policy can protect start-up owners against lawsuits, theft, fire, and more. Not all start-ups quality for a BOP, however. Check with your policy provider before considering this option.

If you have any additional questions, feel free to contact Insurance Pro Group, Inc. today. Serving Suwanee, GA, our team is dedicated to the area’s many start-ups. No matter the size of your business, you deserve protection. From bottom to top, the modern business is protected by comprehensive insurance policies. Reach out to our office to get a quote and more information.

Filing a Life Insurance Claim in the State of Georgia

Once a death certificate has been issued to someone who is listed on a life insurance policy, you can file a claim with the insurance company. And once it has been filed, they have 30 days to pay the death benefit. If they fail to do so, you’ll be able to collect interest on the amount until it has been paid.

What You Can Do If a Claim Has Been Denied

Once you file a life insurance claim, they can always deny it, and there may be many reasons why. Life insurance companies make their money off the paid premiums, and they survive by making sure that this amount exceeds what’s being paid out in claims. So, they carefully examine each one to make sure they don’t fall victim to someone who’s trying to commit fraud.

An insurance company may go out of business, but it doesn’t mean that you won’t get paid the death benefit. Every life insurance policy in the state is backed up by the Georgia Life and Health Guaranty Association, so you’ll get paid on a claim even if the insurance company goes out of business. But the guarantee is limited to $300,000 for each individual, even if the deceased had more than one policy.

A Professional Life Insurance Provider in Suwanee, GA

If you want to work with a life insurance provider that’s both experienced and professional, the Insurance Pro Group, Inc. in Suwanee, GA has a team of people that can help you find a policy that will make sure that your family is secure if you should ever pass away. We have expert agents who can assist you with all your insurance needs, and we can help you find a policy that you can afford. If you want to find out how we can help you, please contact the office of the Insurance Pro Group, Inc. today!

What You Should Know About At-Fault Insurance in Georgia

The At-Fault State of Georgia

If you’ve recently moved to Georgia or are just now starting to drive here, then you should know that Georgia is an "at-fault" state, different from no-fault states.

Here’s what that means:

If you get into an accident in a no-fault state, there’s no need to go to a civil claims court or argue with the other driver about whose fault it was or anything of the sort. If you’re using Insurance Pro Group, Inc., for instance, you’d just give your insurer a call and they’d handle your damages, and the other driver’s insurer would handle their damages.

That’s what happens in a no-fault state. Some people disagree with this solution because it means that you can drive like an idiot and it’ll be the other guy’s problem. But, it does clear up the congested courts and keeps things simple.

Now, in Suwanee, GA, you’re going to go the conventional route of trying to figure out whose fault it is. This means there are extra steps, you might have to spend an afternoon in court when you’d rather chill out on the couch watching TV, but on the upside, if an accident isn’t your fault, you’re not going to have to worry about the insurance costs and premiums.

If you’re still looking for coverage or if you’re getting tired of your current provider and are looking to make a switch to another insurer, then you may want to consider giving Insurance Pro Group, Inc. a call. We can help to connect you to the plan you need whether you’re new to Suwanee, GA or you’ve been driving here for years.

Types of businesses that would benefit from commercial insurance

Most business owners, in general, would benefit from having multiple commercial insurance plans backing them up. Keep in mind that most states will require you to have had a minimal amount of liability insurance to cover your employees. To get an idea of which commercial plans that your business will need, please consult with Insurance Pro Group, Inc. if you are in the Suwanee, GA area.


Since kitchens have flames, slippery floors, and lots of raw meat, you know that this sort of business can be on the edge of disaster. Having insurance policies to cover fire damage as well as employee or customer injuries should be essential.


There is a lot of hands-on work and heavy equipment involved, meaning that severe accidents may happen. Liability insurance is a must for accidents on the job or potential lawsuits. Bulk car insurance policies are also needed for all of the company’s vehicles that are being operated by employees.


Manufacturing may involve lots of heavy equipment, moving machines, conveyor belts, and sometimes volatile chemicals. Safety precautions are always taken, but disasters may happen, which may result in injuries or expensive damage done to equipment. Liability insurance for injuries, as well as product recall insurance, should be considered. Vehicles involved with the operation would also need to be covered by commercial auto insurance.

Keep in mind that you should only get the insurance policies that you need for your business to minimize the costs. If you are searching for reliable insurance bundles in Suwanee, GA, you may want to check out Insurance Pro Group, Inc. to get started.