Home, Business and Lake Living EXPO 2018

Come see me at my American National booth at the Home, Business and Lake Living EXPO and enter my giveaway!! The Home, Business, and Lake Living EXPO is “the place to be” for the latest innovations, offerings, and ideas in the home building, landscaping and remodeling industries! Lodge of the Four Seasons Friday, February 23, 2018 – …

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The post Home, Business and Lake Living EXPO 2018 appeared first on Ashley Swegle Agency.

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Life Insurance Jefferson City MO

The post Life Insurance Jefferson City MO was first published at Ashley Swegle Agency, Representing American National

Protect Your Family With Life Insurance

When it comes to choosing the right life insurance for your needs, working with a licensed and knowledgeable life insurance agent can make all the difference. It can be overwhelming to think of everything you want to consider in the event of your death. Life insurance can ensure that those you leave behind are looked after and comfortable after your passing. Whether you want to leave money to a local charity or you want to ensure your children have funds for college, there’s a life insurance policy for you.

What are the Different Types of Life Insurance Policies?

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The Cost of Raising a Child AKA Why You Need Life Insurance

The post The Cost of Raising a Child AKA Why You Need Life Insurance was first published at www.lifehappens.org

Each year the government (the USDA to be exact) publishes how much it costs to raise a child to 18. The number is staggering. It’s more money than most of us can imagine coming up with, which is why life insurance is so important. You can cover that sum—$233,610—for a modest monthly premium. A healthy 30-year-old, for example, can get $250,000 of term life insurance coverage for 20 years for about $13 a month. That is a small price to pay for both peace of mind, and having your child be OK financially if something were to happen to you.
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Get a Life Insurance Quote in Camdenton MO

If you live in the Camdenton area and would like a life insurance quote contact Camdenton MO Insurance Agent Ashley Swegle at (573) 317-4535

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Dam at Lake of the Ozarks to receive $52-million structural upgrades

Bagnell Dam, the hydroelectric dam that created Lake of the Ozarks from the Osage River, will receive structural upgrades starting this spring, Ameren Missouri announced Tuesday.

The structure will be outfitted with 68 new anchors to hold it into the bedrock, while new concrete will also be added to the downstream side of dam, including an overlay to replace “worn and cracked concrete” on its eastern and western sections.

“Adding more than 66 million pounds of new concrete along with the new anchors pulls the dam down towards bedrock, which is what holds back the incredible force and pressure of nearly 100 feet of water,” said Warren Witt, the utility’s director of hydro operations, in a news release. “Combining these new anchors and additional concrete achieves the best result in the most cost-effective way possible.”

The $52-million construction project will begin in March and is expected to last 18 months. Witt said construction would be scheduled for weekdays, in consideration of lake residents.

See the original article here

Ashley Swegle Agency, Representing American National

155 US-54

Camdenton, MO 65020

(573) 317-4535

Major League Fishing at Lake of the Ozarks

The article Major League Fishing at Lake of the Ozarks was first published here
The Lake of the Ozarks Area Business District of Camden County (TCLA) along with Bassin’ Bob Bueltmann and Bob Renken at Old Kinderhook, sponsored the number one television show on the Outdoor Channel, Major League Fishing.
The Lake of the Ozarks hosted 24 of the nation’s top professional anglers this past June 6th thru June 10th, 2016. In addition to the national television coverage of the outstanding fishing at the Lake of the Ozarks, several of the top pros filmed destination promotional spots, covering some of the Lake’s features and attractions. While we can’t say who won, we can say there was a record number of pounds caught during the event. It couldn’t have been better timing on the filming of the show, as the fishing was outstanding. Millions of viewers will witness what we all know, that the Lake of the Ozarks is truly one of the top fisheries in the country.
The Outdoor Channel has begun airing the Lake of the Ozarks episodes. The first episode aired last Saturday, December 31st, 2016. They will run this episode again on Friday, January 6, 2017, at 8:00 a.m. The remaining episodes will air each Saturday at 1:00 p.m., with the last episode airing on Saturday, February 4, 2017. If you miss an episode on one of the upcoming Saturdays, they replay them on Sundays at 3:00 p.m. or Fridays at 8:00 a.m.
Ashley Swegle Agency, Representing American National
155 US-54
Camdenton, MO 65020
(573) 317-4535
www.ashleyswegleagency.com
https://plus.google.com/100815304857071414282/about

Do You Really Need 10x Your Salary in Life Insurance?

The article Do You Really Need 10x Your Salary in Life Insurance? was first published here.

If you’ve spent time looking at information about choosing the
right amount of life insurance, you’ll have found some fairly standard
answers, but also a lot of ambiguity. That’s because the amount of life
insurance a person needs varies on a case-by-case basis. Still, just
like with other kinds of financial management, industry experts have
weighed in on what they feel is best for the average consumer.
One of these rules of thumb is taking out life insurance coverage
equal to five to 10 times your salary. To many of us, that sounds like a
lot of money. It’s only when you get into the details of figuring out
how people use money over time that you realize that five to 10 times
salary can actually be a pretty conservative estimate.
Here are some of the considerations you’ll want to think about and take into account:

When you get into the details … you realize that five to 10 times salary can actually be a pretty conservative estimate.

1. Replacing salary in the home. One of the most
basic ideas about life insurance is that you need enough to last a
certain number of years, when your salary won’t be coming in. This
involves calculating a person’s “time to retirement” and how much money
they are projected to earn in the next five, 10, 15, 20 or more years.
Another way to put this is that you can try to figure out how much
the household will have to deal with in terms of expenses each year, and
multiply that by the number of years you’ll need coverage for. This is a
fairly straightforward way of doing life insurance calculations.
For a working idea of your life insurance needs based on some straightforward inputs, trying using this easy Life Insurance Needs Calculator.
2. Living on interest.
There’s another interesting idea that a lot of experts have put out
there: The idea that with a large enough death benefit (what the policy
pays out), a family would be able to live on the interest for a long
time.

Take a death benefit of an even $1 million. Using a very simple
calculation, you’ll find that at a 5% interest rate, that $1 million
dollars would generate $50,000 per year. Then take a look at your
current stock market, trust fund and investment fund opportunities, and
see whether you can get something close to 5%.
After adjusting for market circumstances, you can figure out how your
household might achieve capital gains on the proceeds of a life
insurance policy that’s roughly even with the projected salary.
3. Age of dependents. Another major issue is the age
of dependents in your household. For example, if your two kids are 15
and 17 years old, you may only want a few years of coverage. On the
other hand, parents with new babies and toddlers will want policies that
provide for a much longer time.
All this is to suggest that when it comes to life insurance, you may
need more than you think you do. Plus with the low cost of premiums for
most life insurance policies, it makes sense to get an amount that’s
really going to pay off if it’s needed. After all, that’s just what this
is—insurance.
If you have any doubts, talk with qualified insurance agent or advisor to figure out how to get the coverage you need at prices you can afford. And that chat won’t cost you a dime.

If you are in need of an insurance agent in Osage Beach MO contact Ashley Swegle in Camdenton.

Ashley Swegle Agency, Representing American National
155 US-54
Camdenton, MO 65020
(573) 317-4535
www.ashleyswegleagency.com
https://plus.google.com/100815304857071414282/about