In all my years in the Life Insurance business, I have NEVER been able to offer a way to buy life insurance that didn't involve medical exams, blood draws, and weeks of underwriting. https://agents.ethoslife.com/i......

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Not only is it important for you to know about emergency preparedness, but it’s important for your kids, too! This resource provides tools and information to help teach them what to do before, during and after disasters....

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If you run a small business, or if you are new in business, we can help you get the coverage you need. Though our association with Hartford-- one of THE premier providers of Small Business Insurance we can get you...

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It's winter. It's drab. We don't want to go to a gym because we don't want to expose ourselves to Covid-19. What do we do?Walk.That's right. Walking.According to one meta- analysis aggregating 300000 participants...

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You've finally decided on your new home. Now begins the work. Mortgage companies and their agents points, closings, title search, realtors commissions.... oh, and homeowners insurance. Who do you call? Well, it does...

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With so many suffering with the devastating effects of the Corona19 virus, there are many ways for us to reach out to help others with either our time or our donations.Here are a few of my favorite local Charities you...

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Cooking is a common cause of home structure fires and home fire-related injuries. Whether preparing for a family dinner or making a quick snack, practicing safe cooking behaviors can help keep you and your family safe. ...

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We can shop your insurance for you with little effort and time on your part. Why should you want to spend your time going to various company websites or agencies to obtain the best coverage and price when all you have...

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When you purchase insurance, you take the risks that we all face and, for a premium, transfer these risks to an insurance company. As the new year approaches, it is always a good time to review just what risks you may...

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What is perhaps an after thought to most customers is the most affordable and important part of your car insurance policy. The other day I spoke with a personal injury attorney who confirmed my thoughts: Under insured...

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Let's face it. A lot of folks are jumping into renting out a room in their homes OR renting out their ENTIRE home on short term basis. With so much going for it, Chattanooga is a great place to visit. HOWEVER, did you...

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Ever wondered what your coverage really means? You want a quote and so you call around or get an online quote. What coverage is MOST important to you?What should concern you more than anything else?Bodily Injury. Pure...

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Most of us are safe drivers. With safe driving comes better rates and more discounts. Now there is a way for you to actually earn an even better rate and be rewarded for your safe driving.How?Many companies we represent...

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Many times when someone calls for a homeowners quote they can be confused about what replacement value means. I will try to give you a brief explanation.First, the cost of replacing your home entails many many factors,...

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Liability? Uninsured? Comp????? AHHHHH, help me please!!! Buying the correct coverage for your car is more complicated than it seems. While some companies say it's all done in umm 15 minutes or you can simply point a...

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OK. I get it. If you are lucky enough to have a job with benefits, you probably are eligible for a nice group sponsored term life plan for either no cost or very little cost. So, while that's a great benefit and...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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Most folks have taken a ride share to get around either in your own town or while on vacation. In fact, many people are supplementing their income or even working full time as a driver for Uber or Lyft. When my wife and...

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Ah Summer! Swimming, vacations, Camps and cookouts. Sounds great right?Summer is probably everyone's favorite season. You know it is with the kids! Many families fly to their destination and then rent a car. I want to...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Most of us don't really give a thought to our water heater. As long as it gives us nice hot water it's the last thing on our minds.. BUTWater heaters, like everything else in our homes, do wear out and simply get old....

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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There are four lawyers in my family so I know a bit about how they think and what there job is. There job is to protect their clients. If you've ever wondered why you might need an excess liability or umbrella policy,...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Chattanooga, Tennessee, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for...

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From genetically modified crops to the environmental and health effects of pesticides, more and more Tennessee residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in Tennessee, it may be a good time of the year to...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Beene Insurance Agency, we know you want to protect what's important. That's why we're offering these tips...

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While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At Beene...

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of Tennessee. If you are gearing up to travel...

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Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in Tennessee. Football brings with it a whole host of seasonal activities...

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Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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The end of summer in Tennessee means many things, such as cooler weather, shorter days and ... the start of football! But most important, it means kids are headed back to school. And that means we all should be extra...

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You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Beene Insurance Agency we want you to be...

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For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories - whether at home or away But for some families, the holiday is a nightmare. Each year, homes in...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Beene Insurance Agency, we thought it would be fun to give you a...

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Spring is a time of new beginnings in Chattanooga - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Beene Insurance Agency, some of...

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Daylight Saving Time begins Sunday, March 10, 2013, for most places in the United States, so don't forget to set your clock forward one hour. We here at Beene Insurance Agency want to remind you it's also a great time...

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It goes without saying that keeping yourself and your family healthy through the winter months in Chattanooga can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around...

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If you're a snowbird and you're headed away from the cold this winter to a sunnier and warmer spot, you can move on to the next article. Just know that we here at Beene Insurance Agency wish you a safe journey - and...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Beene Insurance Agency, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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It's a night full of treats for both kids and adults in Chattanooga. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean...

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It's an exciting time when your child heads off to college. Whether they're attending school in Tennessee or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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There's nothing quite like taking a road trip in an RV. Whether you're headed to somewhere nearby or somewhere farther away this summer, Beene Insurance Agency wants you to get the most out of your travels. General...

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Whether you're planning a trip to a local attraction in Tennessee this summer, or headed all the way across the country, you want your vacation to be relaxing. It's a getaway from work, not to mention your day-to-day...

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Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Tennessee, you may own much more...

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When purchasing a trailer in Tennessee or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft....

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You don't have to be directly hit by a tornado in Tennessee to experience damage. Taking some time to prepare could save you thousands of dollars and hours of clean-up. Know What Your Insurance Covers and How Much You...

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With the days getting longer and the weather getting warmer, we're starting to think about spring. (Or at least hoping that springtime is coming, anyway.) And whether spring arrives on time, we've got you covered with...

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Rain, fog, sleet, snow, ice and wind... bad weather is the enemy of every driver in Tennessee. Beene Insurance Agency wants you and your employees to be safe. Even if you are satisfied that your vehicle and all of its...

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Buying a new car is an exciting time - but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features you need. We can't really help you become...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues here in Tennessee, and they're not only annoying - they also cost you money in decreased energy efficiency and higher utility bills. Would you like...

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Summer has ended, but there's no need to fret: Fall brings with it crisp, cool days, wonderful colors - and football season! It also brings with it a few maintenance tasks that Beene Insurance Agency recommends to help...

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Your identity belongs to you. Here are some suggestions from Beene Insurance Agency to help you protect it. One smart and effective way to protect yourself against identity theft is to prevent it. If your identity is...

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If the unthinkable happens, Beene Insurance Agency understands that your most valuable assets are more than just items on a balance sheet. That information is critical during a time of catastrophe. Sites to Check Out...

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How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance in Tennessee. Before you buy If you're thinking of...

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Business news often reports that it's difficult for teenagers to find work here in Tennessee but nonetheless, as summer approaches thousands of teenagers will enter the workforce, many for the first time. This is an...

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