Brooks, Todd & McNeil Insurance

“Life insurance is not just about covering funeral costs; it’s about securing your family’s future, paying off debts, maintaining their standard of living and leaving a legacy...No matter your age or situation, life insurance is a crucial safety net that offers peace of mind and financial security when it’s needed most."

5 Types of Insurance You Need To Protect Your Financial Future, According to Experts Without the right insurance coverage, you could end up facing unexpected medical or repair bills, which can wipe out your savings or force you to turn to high-interest credit cards. However, deciding...

Today is the beginning of Life Insurance Awareness Month! Read our latest blog to learn about why primary caregivers should be considering a life insurance policy. With escalating child care costs, this is a must read!

Why Primary Caregivers Should Consider a Life Insurance Policy - Brooks, Todd & McNeil It's that time of year again! September is Life Insurance Awareness Month, and we want to remind you why buying life insurance

Have a safe and happy weekend!

Life Insurance Awareness Month is just around the corner! Now is the time to assess your needs and consider the times in your life when life insurance matters most. An independent insurance agent can go over the various policy options and help develop a comprehensive plan that fits your and your family's unique needs.

A wonderful time at our annual BTM company picnic! Good food, fun activities and an amazing team! Thank you to our incredible staff who go above and beyond every day. 😎

"You should always buy insurance for one simple reason -- because usually at the point when you start thinking to yourself, 'Wow, I hope we have insurance,' it's one minute too late," Green said. "Hurricane season is the perfect example of that. Once a hurricane is named, you generally can't make any claims related to the hurricane if you didn't already buy a policy."

Experts say travel insurance is crucial: Here's how it actually works Whether illness or weather derails your plans, trip insurance policies can cover a range of issues.

"I had heard about wealthy people using their policies as a way to rack up extra income or add to their retirement benefits. In an effort to make sure I get the right plan, I asked financial advisors how to get the most out of life insurance. Here's what I learned."

Financial planners say rich people do 4 things to get the most out of their life insurance Your life insurance policy can potentially be a valuable way to build wealth and give you a solid plan for retirement.

Gov. Ned Lamont announced that he has declared a state of emergency in response to the significant flooding that is impacting portions of Connecticut due to the historically severe rainfall that began yesterday afternoon and has caused extensive structural damage to roadways.

1 Dead, 1 Missing During Historic Flood, More Storms, Flooding Expected Monday Numerous roads are closed and have been washed away by flood waters. Here is a live look at the major roads closures across Connecticut.

"Many manufacturers handle dangerous materials and operate heavy machinery that can cause accidents and fires, which has always meant paying hefty premiums. This is especially true for smaller manufacturers, who are generally viewed as posing more risks by insurers."

US manufacturers hit by soaring property insurance costs James Kirsh expects the cost of the property and casualty insurance for his family-owned foundry in Wisconsin to at least double when it's up for renewal this fall. He’s been told it could triple.

"While 8 in 10 (80%) Americans correctly recognize that the most affordable time to buy life insurance is when they are young and healthy, the number one reason keeping individuals from buying life insurance is cost, with nearly half (45%) of those who do not have coverage saying cost was a reason for why they have not yet purchased a life insurance policy."

Many Americans Know the Basics of Life Insurance, Yet Nearly 60% Either Don’t Have Coverage or Are Unsure If They Do According to new research from Corebridge Financial, many Americans have a good understanding of key life insurance principles, yet nearly 6 in 10 eit

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"Car insurance prices have already spiked by 15 percent in the first half of 2024, but it doesn't look like that's anywhere near the end of the price pains drivers are in store for.

The prediction means the average car insurance rate would hover at $2,469, and states that experience severe weather could soar as high as 61 percent for car insurance rates."

This is why your car insurance is about to get more expensive The prediction means the average car insurance rate would hover at $2,469.

This is why flood insurance is so critical. Speak with one of our independent agents about your flood coverage. Remember, homeowners policies do not cover floods so you may be at risk.

10 city forecasts as Debby threatens floods from S.C. to Vermont The National Hurricane Center is warning of the potential for “considerable” flooding in the Carolinas, Mid-Atlantic and Northeast.

"More than 8% of Americans did not have health insurance during the first months of 2024, according to new survey findings published by the Centers for Disease Control and Prevention, breaking a streak of record-low uninsured rates following the COVID-19 pandemic."

Number of Americans without health insurance rises in 2024, breaking streak of record-low figures Compared with a year ago, 3.4 million more Americans do not have health insurance.

Thank you Brooks, Todd & McNeil Insurance!

"Every employee needs to understand his or her obligation to protect company data. Employees also need clear expectations about behavior when it comes to their interaction with data. For that to happen, your data security policy needs to be published, understandable and enforceable. It should outline practices that help safeguard employee, customer, company and third-party business data and sensitive information."

9 Key Elements of a Data Security Policy | Travelers Insurance A data security policy helps protect your data from cyber breaches. Help keep your company's data secure by following these essential elements of a data security policy.

You're getting ready to buy a home and know that you'll need insurance to cover your house and all your belongings that go along with it. Knowing you have insurance coverage in case of theft, fire or other unexpected occurrences may help you sleep better at night. But how much insurance should you consider? Understanding the basic coverages and the ones you can add on to your policy can make it easier to determine what you need.

How Much Homeowners Insurance Do I Need? | Travelers Insurance Here's an overview of what's typically included in a homeowners policy and other things to consider based on where you live and what you own.

Living in Connecticut, you’ve likely worked hard to build a happy and enjoyable life for yourself and your family. You’ve accumulated assets, established a career, and created a secure future.

Why You Need Personal Umbrella Insurance in CT - Brooks, Todd & McNeil A lawsuit exceeding your homeowners or auto insurance limits could leave you vulnerable to financial ruin. Here's where personal umbrella insurance steps in

"The proportion of work-related injuries among newly hired workers increased from 2017 to 2022, with workers under 25 reporting more frequent injuries than those 55 and older, according to a report released Thursday by the Workers Compensation Research Institute."

Younger workers injured more often than those nearing retirement: Study - Business Insurance The proportion of work-related injuries among newly hired workers increased from 2017 to 2022, with workers under 25 reporting more frequent injuries than those 55 and older, according to a report released Thursday by the Workers Compensation Research Institute.

The summer season has the potential to bring fun-filled days and enjoyment for many boat owners. Experienced mariners know fickle weather is a fact of life, but some weather events have the potential to seriously damage or even destroy your vessel. If a tropical storm or hurricane is forecast on the horizon, having a plan in place can help you to prepare your boat for many possible circumstances — whether you plan to haul it out to dry storage or keep it in the water.

Developing a Storm Preparedness Plan for Your Boat | Travelers Insurance A boat in a storm can be very dangerous. Learn what to do if you are on a boat in a storm with these tips.

Connecticut’s diverse geography is the perfect setting for summer homes that allow you to unwind on the beach, visit charming coastal towns, or enjoy the lush countryside. To make the most of Connecticut summer living and protect summer retreats from common risks, comprehensive homeowners insurance in CT is a must.

Safeguarding Your Summer Home in Connecticut: - Brooks, Todd & McNeil To protect Connecticut summer living from common risks, comprehensive homeowners insurance in CT is a must.

Homeowners looking to protect their homes during hurricane season should take extra steps to ensure their policies cover the total cost of the home. Many homeowners found themselves without adequate coverage over the last few years after being hit by natural disasters like hurricanes and floods.

Here's how to evaluate homeowners insurance coverage amid hurricane season To prepare for hurricane season, homeowners need to make sure their policies cover potential damage.

Wind may not seem like it can present a significant risk, but strong wind deserves special consideration from drivers. Strong wind can occur just about anywhere, but it can be more common in wide-open spaces. Areas for concern also include highway overpasses, tunnels and “road cuts” through mountainous areas that can act as funnels for wind.

How to Drive Safely in Strong Wind and Rain | Travelers Insurance When driving in heavy rain or wind, be aware of your surroundings and take steps to help you arrive safely to your destination. Learn more from Travelers.

Have a safe and happy Independence Day weekend!

Our offices will close today, 7/3 at 3:30 PM and reopen, Monday, 7/8 at 8:00 AM. Have a safe and Happy 4th of July!

Since even a small amount of unwelcome water in a home may lead to thousands of dollars in damages within hours, installing water leak detection devices should be one of a homeowner’s top priorities.

How Water Leak Detectors Help Protect Your Home from Water Damage - The Andover Companies If you have a water leak, you need to know right away so you can address it immediately. Water leak detection devices can alert you to a problem instantly.

If you've noticed that your auto insurance cost has spiked higher over the past year or two, you aren't alone. According to one report, full coverage auto insurance rose by 26% in 2024 for the average driver. Even U.S. Consumer Price Index (CPI) data found that car insurance rates increased by 21% in the 12-month period that ended in February. This is the most rapid rise in insurance costs since 1976.

Why Is Your Car Insurance Getting So Expensive? Have you noticed the cost of insurance has increased dramatically? Read on to find out why.

Fewer Americans are buying life insurance than in the past, which suggests households may be at financial risk in the event of an unexpected death, experts said.

Fewer Americans are buying life insurance. Here's when you might need it Fewer Americans have bought life insurance in recent decades. That may put some households at financial risk.

On this year’s National Insurance Awareness Day, let’s talk about coverages and what you need to know to keep you and your loved ones protected.

June 28th is National Insurance Awareness Day: How Well Do You Understand Your Coverage? - Brooks, Todd & McNeil On this year's National Insurance Awareness Day, let's talk about coverages and what you need to know to keep you and your loved ones protected.