07/22/2025
I do all (4) lines of AUTHORITY / business
Auto both personal (SUV , RV Motorhomes, Motorcycle, QUADS, BOATS under 50 feet) and commercial - like “hotshot” trucking and courier (deliver small packages and food) RIDESHARE (UBER , LYFT)
Business owners insurance like general liability (you teach lessons out of your home). and bonds (people always say licensed and bonded) for businesses to get contracts - cleaning businesses always need to get a bond to insure their work gets done and they don’t damage anything
LIFE insurance. Term. Or accident only. Whole life. IUL and annuities Older people just want burial insurance (that’s called whole life final expense). Other people want to invest tax free. That’s called an index universal life (IUL). When people retire they can move their 401K to an annuity. And avoid penalties and taxes
Health insurance. Both under age 65 (the marketplace) and Medicare ADVANTAGE (over age 65). Dental vision hearing. / Hospital indemnity (if you go to a hospital for an accident it pays you a lump sum) Cancer stroke heart attack (if this happens to you it pays you a lump sum) . Medicare Supplements (people that have PARTS A , B and D) but don’t have a C.
And occupational health insurance like accidents and disability (job related injuries) this covers you where WORKERS COMP does not / usually workers comp has a waiting period of six months. A personal disability policy (you purchased yourself) can be activated in as soon as two weeks after a mishap
Home owners insurance (they live in the home). Landlord (they own the property but rent it out to others). Renters insurance (they live in apartment). And business owners insurance (BOP) - you own a small business like an auto mechanic shop. Or retail store. You own the building or are paying a mortgage on the building. So you want to protect your loan. Your business tools and protection against lawsuits (slip and fall) / (dog bites) / (something falls on a client while conducting business)
Pet Insurance is under the umbrella of property / but they will not cover preexisting conditions
Errors and Omissions. You are a barber for example . And want to protect against lawsuits from razor burns Or you are a musician. And you want to protect against copyright
All four lines of authority / business :
AUTO (it’s called casualty, anything with a motor)
HEALTH (get paid for having a sickness misfortune)
LIFE (like investments and retirement planning)
PROPERTY (protect your personal property even if you travel or it’s in your car)
(FACEBOOK , INSTA , TIK TOK)
My user name on all of them is >
RONNIERON702
https://dot.cards/ronnieron702
