Contemporary Insurance, Inc.
What makes our independent agency different?
Contemporary Insurance is committed to excellence. We strive to be the local business you can depend on not only to ensure peace of mind but in bringing you prompt and efficient claims service at the time of a loss. We are proud of the broad scope of coverage we can offer you through our insurance companies, some of the largest and most progressive companies in the country.
We strive persistently for excellence in serving you at Contemporary Insurance. Our agency offers a total commitment of our resources, including our knowledgeable agents, our secure products, and our local expertise. We take the time to guide you on the coverage or combination of coverage through a complete review of your needs to understand what is required to protect your most treasured assets.
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We are there for you in your time of need.
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As an independent agency, we are here to help you find the right coverage.
Real clients. Real reviews. Real coverage.
“Contemporary Insurance has been a joy to work with, as well as Erie Insurance themselves. Darlene gives solid advice and has a no-nonsense approach that we greatly appreciate.”
– Douglas D.
“Darlene is the best! She is so helpful in every way, trustworthy, and hands down a great person. If looking for a great insurance agent who is awesome at her job, Darlene is just that.”
– Brandi W.
“From the beginning, I was not treated like another customer. I was treated like family, I was listened to, and received the coverage I wanted at a great rate!”
– Monica M.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Providing for Your Family
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Life Insurance 101
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