2006 KJT Website Homepage

LIfe Insurance

Note: The Catholic Union of Texas “The KJT” Insurance policies are available only in the State of Texas.

KJT Insurance Services, LLC Go Ahead, Rock The Boat . . .
By State Vice President David Wagner

As we all look for ways to save a little money each month, something you might want to consider is reevaluating your current insurance policies. Granted most people quickly think of their home and auto insurance, yet most folks overlook the other articles/property they have insured.

We are pleased to announce that KJT Insurance Services, LLC, has carriers that accept RV, travel trailer, boat, motorcycle, scooter and ATV policies. Many of these policies are Actual Cash Value policies and need updating every couple of years.

So, what does “Actual Cash Value” mean? In summary, each year the insured item depreciates. Yet, what most agents won’t tell you is that you need to lower your coverage amount (thus lowering your premium) to match the current value of the insured item. If this is done every couple of years you will successfully insure the item for what the “Actual Cash Value” of the item truly is.

With that being said you can see why reviewing these policies are very important. If not reviewed and reconciled, you are paying for coverage that you will never receive during a claim.

Honestly, property and casualty insurance can become mind blowing at times. If you have questions and need someone to talk to, please do not hesitate to call. Overall, your money is your business, yet there are more deserving charities (or a church) than an insurance company.

Review your policies and make sure your not donating money to your current insurance carrier. In the mean time, we are only a phone call away . . .

KJT Insurance Services, LLC What Were We Thinking?
By State Vice President David Wagner

When the first thought of creating our wholly owned insurance agency (KJT Insurance Services, LLC) originated, there needed to be an overall goal. I’m not talking about reaching certain sales or monetary goals, but an overall goal of helping our fellow KJT members. The fact is, any agency can write new business and churn old business. We know there are many places our members could go to get insurance but are they getting the right insurance done correctly?

After three months of talking with our members and helping them with their insurance needs, here is what we have found . . .

Auto: As it has always been, we know this line of business is the most volatile. For the most part we have been able to write 50% of the clients we have quoted. No fault of theirs, but the other 50% of the policies we have quoted, we have not been able to acquire due to their policies not being written properly. Some Agents have the ability to play the game with how they rate vehicles and where they rate vehicles. I guess it’s not a problem until it’s time to pay a claim! Playing dumb is a luxury we do not wish to hold. Your protection is our utmost concern, and we will make sure that coverage is there when it’s needed most. Therefore, we
can help . . .
Home: We have found that most people have their homes underinsured. Most people have their homes insured for $50 to $70 per square foot. Did you know that it costs approximately $100 per square foot to build a home? So, when you lose your home to a fire you will only receive 50% to 70% of what you will need to rebuild. Look at it this way – would you sell your home for 50% or 70% of the value?
Medicare Supplement: The bottom line is all Medicare Supplement policies will eventually increase rates. As a consumer you will need to find a good carrier with lower premiums or absorb the cost of your current company’s rate increase. We have seen certain companies rates skyrocket; for the most part we have been able to find more coverage for lower premiums for our clients. If you have questions, we are a phone call away.

If you would like information on any of the above products, or just want to make sure your properly insured, give us a call at the Home Office. We offer a no obligation quote for any of these products.




	Home President Spiritual Advisor State Officers Insurance Marketing Director Sales Representatives Life Insurance Events Calendar Culture Benefits Forms Contact Us Activity Center Links		Insurance KJT Kapital Accounts Prescription Savings Program LIfe Insurance Note: The Catholic Union of Texas “The KJT” Insurance policies are available only in the State of Texas. KJT Insurance Services, LLC Go Ahead, Rock The Boat . . . By State Vice President David Wagner As we all look for ways to save a little money each month, something you might want to consider is reevaluating your current insurance policies. Granted most people quickly think of their home and auto insurance, yet most folks overlook the other articles/property they have insured. We are pleased to announce that KJT Insurance Services, LLC, has carriers that accept RV, travel trailer, boat, motorcycle, scooter and ATV policies. Many of these policies are Actual Cash Value policies and need updating every couple of years. So, what does “Actual Cash Value” mean? In summary, each year the insured item depreciates. Yet, what most agents won’t tell you is that you need to lower your coverage amount (thus lowering your premium) to match the current value of the insured item. If this is done every couple of years you will successfully insure the item for what the “Actual Cash Value” of the item truly is. With that being said you can see why reviewing these policies are very important. If not reviewed and reconciled, you are paying for coverage that you will never receive during a claim. Honestly, property and casualty insurance can become mind blowing at times. If you have questions and need someone to talk to, please do not hesitate to call. Overall, your money is your business, yet there are more deserving charities (or a church) than an insurance company. Review your policies and make sure your not donating money to your current insurance carrier. In the mean time, we are only a phone call away . . . KJT Insurance Services, LLC What Were We Thinking? By State Vice President David Wagner When the first thought of creating our wholly owned insurance agency (KJT Insurance Services, LLC) originated, there needed to be an overall goal. I’m not talking about reaching certain sales or monetary goals, but an overall goal of helping our fellow KJT members. The fact is, any agency can write new business and churn old business. We know there are many places our members could go to get insurance but are they getting the right insurance done correctly? After three months of talking with our members and helping them with their insurance needs, here is what we have found . . . Auto: As it has always been, we know this line of business is the most volatile. For the most part we have been able to write 50% of the clients we have quoted. No fault of theirs, but the other 50% of the policies we have quoted, we have not been able to acquire due to their policies not being written properly. Some Agents have the ability to play the game with how they rate vehicles and where they rate vehicles. I guess it’s not a problem until it’s time to pay a claim! Playing dumb is a luxury we do not wish to hold. Your protection is our utmost concern, and we will make sure that coverage is there when it’s needed most. Therefore, we can help . . . Home: We have found that most people have their homes underinsured. Most people have their homes insured for $50 to $70 per square foot. Did you know that it costs approximately $100 per square foot to build a home? So, when you lose your home to a fire you will only receive 50% to 70% of what you will need to rebuild. Look at it this way – would you sell your home for 50% or 70% of the value? Medicare Supplement: The bottom line is all Medicare Supplement policies will eventually increase rates. As a consumer you will need to find a good carrier with lower premiums or absorb the cost of your current company’s rate increase. We have seen certain companies rates skyrocket; for the most part we have been able to find more coverage for lower premiums for our clients. If you have questions, we are a phone call away. If you would like information on any of the above products, or just want to make sure your properly insured, give us a call at the Home Office. We offer a no obligation quote for any of these products.