Term life insurance is one of the most popular types of life insurance. It works very differently from another type called whole life insurance and comes with its own advantages and disadvantages. Many people choose this type of insurance to protect their loved ones after they pass away. However, term life may not be right for everyone interested in life insurance. Some people prefer the benefits of whole life policies, while others find that term life better suits their needs. To learn more about term life insurance, contact Wenatchee Insurance Agency in Wenatchee, WA.
A Set Period
Term life insurance gets its name from the set term of time during which the policy remains active. These policies have a specific expiration date, which can range from 10 to 25 years, among other options. Once that term has passed and the policyholder is still alive, the policy expires. At that point, the policyholder would need to purchase a new policy to maintain coverage. The trade-off is that term life policies are highly budget-friendly and more affordable for many people who may not be able to afford a whole life policy.
The Death Benefit
Term life insurance functions similarly to other types of life insurance, as it pays a death benefit to beneficiaries upon the policyholder’s passing. This is the primary purpose of life insurance, as it provides financial support for loved ones left behind. The amount of the death benefit is determined at the time the policy is written. Generally, higher coverage amounts are accompanied by higher premiums.
Get Life Insurance in Wenatchee
If you don’t have life insurance, now is the time to get a policy to protect your loved ones. To get started with a policy of your own, contact Wenatchee Insurance Agency in Wenatchee, WA today.
Since Wenatchee Insurance is located in the Apple Capital of the World, we do our best to meet the Orchards and small businesses in our area. One of the ways that we are able to is by visiting their fruit stand during harvest. We do our best to carry cash to lower transaction fees. If you want fresh fruits & vegetables while putting money directly into farmers hands then this is one of the best ways to do it.
While there are some very large tourist driven stands, we have been doing our best to visit the smaller operations. Some of these we have been visiting 20 plus years while others it has been our first stop. We are doing farm house rules by purchasing something fresh and something preserved.
Eagle Rock Fruit Stand: address 4911 Selfs Motel Rd, Cashmere, WA 98815 : Phone: (509) 470-6292 Facebook Page; Just did their 20th Anniversary. One of the most affordable that we found for cherries.
The Peachman (formerly Tonz Ochards): address is 4820 Cascade Ln, East Wenatchee, WA 98802: Phone (509) 630-4674 Facebook Page One of the few places where we were able to find Pie Cherries. They had a great selection of pickled goods. We pulled a bottle of Peach syrup out of here.
Miller Orchards: address is 7306 US-97, Peshastin, WA 98847 : phone (509) 669-3784 Facebook Page Yes, this is where Matt can find his Santini Cherries. They have very high quality produce and we were able to get some amazing blueberries from here as well.
Lake Entiat Fruit stand: address 14360 US-97 ALT, Entiat, WA 98822 ; phone number (509) 393-0539 websiteFacebook We had some amazing strawberries out of here. Seriously, our car smelled delightful from the ride home. Matt also picked up marinated mushrooms which is hard to find.
Homestead Fruit Stand: address 7920 State Highway 97A, Wenatchee, WA 98801; phone number (509) 665-8243. They had some great produce and we were able to pull some ripe tomatoes. This is the first stand into Entiat from Wenatchee. They had a good selection of Lavender.
DeLap Fruit Stand: addressmilepost 275 Hwy 97 Malott, WA, United States, Washington 98829; phone number (509) 422-3145; Facebook page; They have some fruit that you may not have had before. You can find Apruims and Pluots. They have one of the dancing guys and are an easy stop off Hwy 97.
Estes Fruit Stand and Flowers: address 13656 US-2, East Wenatchee, WA 98802; phone (509)884-2034; Facebook page ; This was one of my mother’s favorites. They have this amazing flower selection and this was the earliest that that I spotted this year’s apples as they had some early varieties.
E & E Fruit Shack; address 4th St SE, East Wenatchee, 98802. There is no website or Facebook page. It is however right next to the family’s orchard. We were able to pick up some great plums, they also had peaches, and a bunch of zucchini. If you want to put money directly into a farmer’s hands then this is where you want to pick up fruit here at least once during the season.
Bonus: The Local Granola: address 1408 Main Street Oroville, WA, United States, Washington 98844; phone number (509) 476-7037; webpageFacebook They offer a small natural foods selection. The Granola is worth the stop. We also got beard supplies.
Rules for fruit stand visits.
Bring cash. The smaller operations will appreciate you as they don’t have to make transaction fees.
Don’t be afraid to call ahead or ask if you don’t see something. It’s literally how I got Pie Cherries.
When you find one that is awesome then take a picture and share them on Facebook. Bonus points if you tag them so that more people can find them.
If we missed a favorite one then let us know in the comments.
At Wenatchee Insurance, we lend a hand to farms and orchards with a wide background. Insuring your family business can be tricky and adding crop insurance requires some skills. Some folks are looking for a Multi- Peril Crop Insurance where others are needing Whole Farm Revenue Protection. Living in the Apple Capital of the World, we have have run between the trees more than once.
We will ask questions so that we can get a better picture about your orchard or farm to make sure that you are not creating a coverage gap. For us, we believe that insurance should be:
Affordable. If you can not pay for it then it doesn’t make sense.
Understandable. This creates big problems if someone has something that they don’t know how it works.
Useable. If an emergency arises then we want you to be able to use it.
Crop insurance questions
What is the address of your orchard or farm?
What is the name of the orchard or farm?
Who has an interest in the orchard beyond yourself?
What is your and any other people with interest’s SSN?
What is the business’ EIN (If individual SSN or RAN is fine)
Are you leasing the orchard?
If so what is the % agreement?
What fruit or crop are you growing?
How many acres do you have of which crop?
What are the last 5 years of production? We will need it by block if possible
If new farmer can you procure the previous farmer’s records?
Are you tearing out any part of your orchard for next year? Or is there any new tree you think will produce this year?
Anything you think I should know?
What’s next to insure your crops?
After collecting the information, we go looking for coverage that covers your needs. What works for Farmer Fred’s potatoes in Quincy may completely miss Oliver Pear Orchard in Cashmere. Not everyone needs or can get crop insurance. We do our best to be responsive whether it is you talking or if you are sending your spouse.
When you are ready let’s talk. We have found that a conversation is a great way to begin.
At Wenatchee Insurance, we lend a hand to business owners with a wide background. Business insurance can be tricky. Some are just starting their journey where some have been running their family business for five generations. We even got involved with lending a hand with assisting Enterprise For Equity to help people better insure their business.
We will ask questions so that we can get a better picture about your business to make sure that you are not creating a coverage gap. For us, we believe that insurance should be:
Affordable. If you can not pay for it then it doesn’t make sense.
Understandable. This creates big problems if someone has something that they don’t know how it works.
Useable. If an emergency arises then we want you to be able to use it.
Retail business insurance questions
1) What is the official name of your business?
2) What is the address where you operate? Is it online only home based?
3) Do you have a different mailing address? If so What?
4) What is a your business phone #?
5) How much do you think you’re going to be making this year?
6) Does anyone else own a stake in the business?
7) Do you use your car to make deliveries?
8) What is the product/s you sell?
9) How many employees will you have?
10) Are there any additional insureds? (Landlords/owners)
11) Anything you think I should know?
What’s next to insure your business?
After collecting the information, we go looking for a good insurance company that fits your business. Some insurance companies may charge more or even not cover something that you need. What works for Farmer Fred in Quincy may completely miss Oliver Orchard in Cashmere. Not everyone needs crop insurance. The old company that your grandfather used may not cover the drones that you are using today.
When you are ready let’s talk. We have found that a conversation is a great way to begin.
In our area we have a select few dentists and orthodontists that accept Apple Health. When our son needed braces, every six weeks we would make the drive from Wenatchee to Ellensburg so that he would have his teeth worked on. It took a lot of coordination between his pediatric dentist and the orthodontist to get the approval.
Where to find Apple Health Dental care?
OK, have you been to the Dentist Link Set up by the Healthcare Authority? It provides an excellent search tool to find a dentist accepting Apple Health Dental in your area. You can also call or test a referral specialist 844-888-5465 from 8 am to 4:30 pm on weekdays.
What does Apple Health Dental cover for adults?
If you have Apple Health as an adult it covers more than people think. Yes, it really does take care of fillings, front teeth root canals and dentures. There are some things that it doesn’t cover by it’s self like Dental Implants and Adult Orthodontics.
How do I enroll?
Suzie and Matt have been assisting people enroll for over a decade into Apple Health plans. We have never charged a fee and do not get paid for enrolling people in these plans. We do it because people in our community use healthcare and it is expensive to go without. There are no enrollment periods with Apple Health and it is based on our income level.
Children have expanded access to Apple Health using the Children’s Health Insurance Program (CHIP). Some will be zero cost or there will be a $20 or $30 monthly charge per child fee. We have a lot of families where the parents are on a paid health plan and the kids are on Apple Health. The important thing is that the family is being covered.
What happens if I am no longer eligible for Apple Health Dental
We have the conversation. We have access to several dental plans that a person can enroll year round. Some with waiting periods and some without. We even have plan that can assist adults with getting braces after a waiting period at Wenatchee Insurance. We make it as easy as possible to review your options.
There are times when it get’s incredibly busy for healthcare so you may have to wait a little bit longer in the Fall.
For Medicare the Annual Enrollment Period for Medicare Drug Plans and Medicare Advantage plans is October 15th through December 7th.
For Medicare’s Initial Enrollment it is three months before you turn 65, the month of your birthday and three months after.
For Healthcare the Open Enrollment Period is November 1st through December 15th. (some states may have an extension so do not hesitate to ask).
Yes, people set appointments early in the year for fall appointments to insure that they are able to have a conversation about the changes to their health plan.
For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.
