Akoma Consultants and Risk Advisors

08/25/2022

In a nutshell, the difference between replacement cost and ACV is that replacement cost insurance pays for the full replacement cost of your belongings, keepsakes, and items, whereas actual cash value insurance pays for the depreciated value only.

With replacement cost insurance, you’ll have enough money to replace your belongings.

With actual cash value insurance, you’ll have to make up the difference between the depreciated value and replacement value if you want to replace your belongings.

For more information call Kevin @ Trapp Insurance on
(919) 467-7745

08/22/2022

One of the main benefits of a Paid-Up Addition (PUA) is the rapid acceleration of cash value growth within a traditional Whole or Permanent Life policy. Ordinary Whole Life policies get a bad rap for taking 12-14 years to break even. Adding a Paid-Up Additions rider and funding it to the maximum can cut this breakeven period in half or sooner since over 90% or more of your PUA premium goes straight to your Whole Life policy’s cash value.

For more information call Kevin @ Trapp Insurance on
(919) 467-7745

08/07/2022

08/07/2022

08/07/2022

08/04/2022

The subject of cremation and scattering cremated remains, or ashes, has come up several times lately. If cremation is your preferred choice, please take the time, on behalf of your future surviving family members, to read this info.

Excerpted

Deciding where to scatter the cremated remains of a loved one involves considering the deceased’s personality and how they want to be remembered. As you’re choosing the perfect location, you’ll also need to remember to check where you can and can’t scatter cremated remains.

Recent funeral trends show a growing number of people are choosing cremation over other disposition methods. As cremation becomes more popular, people are getting more creative in planning what to do with cremated ashes. Ideas range from creating jewelry with them to shooting them into the sky with fireworks.

As grand as those ideas may seem, they might not be considered legal in your state. Whether you’re preplanning a cremation funeral service or carrying out your loved one’s wishes, you need to research the legality of your plans.

Options for scattering cremated remains
Before you choose the location for scattering cremated ashes, you should decide how to scatter ashes using one of the following methods:

Casting
This is the technique most people think of when scattering cremated remains. Casting involves throwing cremated ashes directly into the wind.

Trenching
This process involves digging a hole and either placing the cremated remains directly into the ground or pouring them in a biodegradable urn that is buried in the earth.

Raking
This method involves spreading cremated remains across the soil and using a rake to mix them into the earth.

Where cremated remains can be scattered
Whether you want your final resting place to be in a favorite vacation spot or in a location that holds special meaning to you, it is important to know where you can legally scatter cremated remains.

Each state has different laws and regulations for where you can scatter cremated ashes. Research the burial and cremation laws of the state you reside in or the state where you are planning to scatter the cremated remains.

https://www.gwic.com/Education-Center/Cremation/Where-you-can-and-can-t-scatter-cremated-remains

If you, or a family member, have questions about being relieved from the financial burden of an unexpected loss - call Kevin @ Trapp Insurance on 919-467-7745

08/02/2022

Please support this Black owned business.

The Funding Clinic helps new and established business owners get business funding.

07/30/2022

Explaining Cash Value Crediting and the Dividend Rate for Whole Life Insurance - Produced by the Taylor Method

Call Kevin @ Trapp Insurance to find out which permanent, UL or term insurance coverage is best for you or your family member.

You're not promised tomorrow. Prepare for tomorrow today.

919-467-7745

07/30/2022

Buy whole life!

To find out how much whole life you're approved for call Kevin @ Trapp Insurance on 919-467-7745

07/26/2022

You are living under a stone if you haven't noticed that medical expenses are expanding at a disturbing rate.

Hospital indemnity insurance can help. for more information call Kevin @ Trapp Insurance on (919) 467-7745

07/26/2022

Did you know the public average for a hospital stay is 4.5 days, at an average expense of $10,400 each day — that is a sum of $46,800?

Hospital indemnity insurance can help. for more information call your Akoma Consultant Kevin @ Trapp Insurance on (919) 467-7745

07/21/2022

https://www.thefundingclinic.com/consultation

The Funding Clinic helps new and established business owners get business funding.