Hayes and Associates

Hayes and Associates Hayes and Associates focuses on Final Expense Insurance. If you would like to become a licensed insu

07/05/2023

The Time Value of Money is a concept that cash flows of equal dollar amounts separated by a time interval have different present values because of the effect of compound interest.

With Life Insurance the “Evidence of Insurability” is a statement of the prospective policyholder’s physical health and ...
07/03/2023

With Life Insurance the “Evidence of Insurability” is a statement of the prospective policyholder’s physical health and other information, such as assets and income, which helps the insurance company decide whether the applicant is eligible for insurance, the amount of risk they pose to the company and what premium the company will charge.

06/15/2023

A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-deferred earnings and provide a guaranteed death benefit for your beneficiaries.

06/07/2023

Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Fast Fact: Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and buri...
06/01/2023

Fast Fact: Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for.

“The greatest mistake you can make is to be continually fearing that you’ll make one.” —Elbert Hubbard
05/26/2023

“The greatest mistake you can make is to be continually fearing that you’ll make one.” —Elbert Hubbard

Whole life insurance provides permanent protection for the whole of life, from the date of policy issue to the date of t...
05/24/2023

Whole life insurance provides permanent protection for the whole of life, from the date of policy issue to the date of the insured's death, provided that premiums are paid.

The basic BOP offers business property for both building and contents, and liability insurance protection for the operat...
05/23/2023

The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Around 65% of adults that don’t have life insurance say they don’t know how to buy a policy or aren’t sure what life ins...
05/22/2023

Around 65% of adults that don’t have life insurance say they don’t know how to buy a policy or aren’t sure what life insurance is right for them.

Thinking: the talking of the soul with itself. Plato
05/19/2023

Thinking: the talking of the soul with itself. Plato

Life Insurance 101: Specific policies, including simplified issue coverage have no medical exam requirements for underwr...
05/18/2023

Life Insurance 101: Specific policies, including simplified issue coverage have no medical exam requirements for underwriting. Instead, you only have to answer a series of questions about your medical history. It benefits those that may have a pre-existing condition.

05/17/2023

Question: When are gift taxes due and who pays them? Answer: Gift taxes are due on certain transfers of wealth. If and when gift taxes are due, the donor is liable for them. The recipient of the gift is not taxed. (Note that gifts to charity are not subject to gift taxes.)

Address

Montgomery, AL
36117

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm

Telephone

+13344130015

Website

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