Insurance

Special Risk
Accident & Health

Special Risk Participant Accident Insurance from Don P. Baker Financial Group provides accident protection for members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities.  Benefits include Excess Accident Medical, Accidental Death & Dismemberment and Temporary Total Disability.  Maximum benefits, deductibles and benefit periods for Accident Medical coverage vary by request.  This coverage is an excellent complement to general liability insurance which may be discounted with the existence of a participant accident program.

People choose Don P. Baker Financial Group car insurance services  for a number of reasons. They save money. They like how they’re treated. They get rewarded for being a customer.

And 9 in 10 would recommend Don P. Baker Financial Group to friends. (Thanks!)

Thinking of making the switch? Here’s a preview of what you’ll get with your Don P. Baker Financial Group car insurance services:

Savings you can feel confident about

Rest assured, you’re getting a low price that includes the auto insurance discounts that apply to you.

Little extras to make your life easier

Life is a little sweeter as a Don P. Baker Financial Group car insurance customer:

• Enjoy free policy reviews. Plus, we apply new discounts whenever you become eligible.
• Earn Loyalty Rewards, like accident forgiveness, starting from day one.
• Get convenient, free glass repairs. You can choose to have your windshield fixed at work, at home or at a shop.

Convenience when it matters most

You’re in charge of car insurance decisions that impact you, like:

• Guaranteed repairs 
•  Flexible payments: Choose, and change, the due date for your auto insurance payments to suit your schedule.

What is life insurance?

The best way to answer that is for you to think about who depends on you and for what. Your family may count on you for such things as house payments, education expenses and a certain lifestyle. The right amount of life insurance (it might be term life insurance, universal life insurance, whole life insurance or a combination) can help guarantee all these things for your family in the event of your untimely death.

Why do you need life insurance?

Life insurance can help:

• Replace income your family would need to maintain their standard of living.
• Pay off your mortgage loan or other personal and business debts. If you rent your home, it can create a fund for future rent payment.
• Create an education fund for your children.
• Pay final expenses, such as funeral costs, credit-card debt and taxes.
• Create a family emergency fund.
• Protect future insurability - no matter what your future health, your policy will stay in force as long as premiums are paid.
• Build cash values on a tax-favored basis - in permanent life insurance plans. When the policy is properly funded, these cash values can be borrowed through policy loans.

Term life insurance is temporary insurance and is for people who want:

• To supplement life insurance from work
• A fixed benefit amount for a specific period of time
• Competitive premiums
• A death benefit protection with a Return of Premium Option
• Insurance from a trusted company
• To adapt to a family's changing needs, in-force term life insurance may be converted to permanent life insurance without additional evidence of insurability.
• Term life insurance, simply put, is life insurance that lasts for a specific period of time.
• Because people's needs vary even within the term life insurance category, we offer term product choices - so that the term coverage you select best matches your needs.

Whole Life Insurance

Why Choose Whole Life Insurance?

• Premiums don't increase as you grow older
• Helps protect your loved ones from financial hardship
• Cash value builds over time
• Affordable premiums fit your budget
• Whole Life insurance protection provides:
• Permanent insurance protection over an individual’s lifetime
• Tax-deferred cash value accumulation
• A level premium and coverage as long as you continue to pay

Homeowners

Unlike other policies, Don P. Baker Financial Group responds with a higher level of protection for fine homes and lifestyles.

Ordinary policies do not protect you when skyrocketing building costs exceed the amount of coverage in your policy. Be wary of policies that cut corners if rebuilding costs are higher, leaving you with something far less than expected.

Home - Full Cost Replacement Coverage:

Pays for a home of a like kind and quality at its current price to replace with no deduction for depreciation -- even when costs exceed coverage amount. A cash settlement option is available.

• Personal Property - Replacement Cost Coverage
• Pays for contents of a home at the current price to replace with no deduction for depreciation. A cash settlement option is available.
• Replaces structures, such as unattached garage or fences.
• Increased Costs Required by Code Changes
• Guards against any cost increases for repairs or construction as a result of changes in building, zoning or land use codes.