The Margiloff Agency
Individual Insurance & Employee Benefits
Business Tax Credits
(207) 771-5670 (cell)
www.SusanMargiloff.com
DON'T LET A CLAIM RAIN ON YOUR PARADE.
Request a Free Personal Umbrella Insurance Quote
Fill out this form
GET A QUOTE!
INSURANCE
Home & Renter's
Insurance
Homeowner’s coverage doesn’t have to be difficult to understand. A basic
Homeowners Insurance Policy will cover the following:
-
The structure of your home
-
Replacement costs
-
Personal possessions (up to a set limit)
-
Living expenses in case of a disaster
-
Liability
You can also add supplemental policies such as:
-
Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
-
Flood policies
-
Umbrella policies (additional liability)
HOURS & LOCATION
Location
While our office is in Nashville, TN, we have insurance licenses in multiple states
Hours
Monday - Friday
8:30 am to 7:00 pm
​
Saturday
11:00 am to 3:00 pm
​
Or by Appointment
-
Classic Car Insurance – Your classic car is an icon. Insure it well.
-
RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
-
Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
-
Auto Insurance (Personal and Commercial Vehicles) – Get the right insurance coverage for vehicles, whether 4-wheels or 18-wheels - we've got you covered!
-
Motorcycle Insurance – Ride safe and insure your motorcycle.
-
ATV and Motorsport Insurance – Insurance policies that cover all your toys.
The insurance protection you need when you’re on the move:
Automobile
Insurance (Personal & Commercial)
Life Insurance & Annuities
Life insurance is a crucial step in planning for your future and the future of your loved ones. There are 3 primary types of life insurance:
-
Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes called Mortgage Protection Insurance, but it can be used for any number of reasons. It is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
-
Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life policies often have "living benefits", which allows you to access the some of the policy's cash value in the event you are diagnosed with a terminal illness or have long term care needs.
-
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
Annuities
Annuities are investment vehicles that can provide you with a monthly, quarterly or annual payment to supplement your Social Security benefits and retirement savings. When purchased at a younger age, the purpose may be for "accumulation" (to accumulate money, save for retirement) or at a later age, for "income" (to provide the periodic payments to supplement your other retirement resources). However, some older adults do not need the income and so they purchase annuities for accumulation and possibly to pass on to their heirs.
​
Annuities offer tax deferred, compounded growth, which is one compelling reason why people purchase them instead of leaving the funds in the stock market. For instance, once you take your RMD (required minimum distribution) from a 401K or IRA, that money enters your brokerage account and becomes taxable, leaving the gains on your investments subject to annual federal and possibly state taxation.
​
Annuities are also a perfect solution for your RMD's or cash that may be in a low-interest-bearing financial institution.
​
Contact me to discuss your options.
Dental & Vision
Insurance
Everyone needs to keep their pearly whites (and the gums that hold them in place) healthy. Our dental plans have maximum annual coverage ranging from $1250 to $5000. We currently have 3 carrier options for you to choose from. Our vision plans are affordable too! Click on the links to the right for more information on dental and vision products and rates.
Dental Insurance Options:
NationalCare Dental (Nationwide or MetLife)
Ameritas Dental/PrimeStar
Spirit Dental & Direct Vision
Vision Insurance Options:
Pet Insurance
Fido and Fluffy provide you with unconditional love. One in 3 pets will need unexpected medical care each year. When they get sick or injured, Pet insurance can help you manage the costs of their medical care.
​
We have several plans available to choose from. Please click on the Pet Insurance tab at the top of the page or on the white box, below, for more options.
Accident & Disability
Insurance
Many people, especially the self-employed, don't have an accident or disability policy to help cover their salary and medical bills if they are injured. It's often after people experience an injury that sidelines them for several months that they realize they should have had disability coverage. We have plans that cost less than $100/month that provide $2000/month in income replacement, and other, more expensive plans that provide much higher levels of income replacement. Call today for a quote!
Critical Illness Insurance
A critical illness policy pays you a lump sum of money upon diagnosis of a serious health condition such as: Cancer, Heart Attack, Renal Failure, Major Organ Transplant, Multiple Sclerosis, Artery Bypass Surgery, Alzheimer's ALS, Terminal Illness. We offer plans from several different insurance carriers. Click the link, below, for a sample plan with $15,000 in coverage, or call us so that we can run other quotes for you.
​
LegalShield (Pre-Paid Legal)
IDShield (ID Theft Insurance)
For just $29.95/month, LegalShield enables you and your immediate family to pick up the phone and call directly into your Provider Law Firm without worrying about the high hourly cost of attorneys. Your personal / family membership includes the following at no charge: consultation and advice on an unlimited number of legal matters, contract and document review (up to 15 pages per issue), traffic ticket representation, Will, Living Will, Healthcare and General Power of Attorney, 60+ hours of trial defense, 24/7 emergency access to an attorney for covered "emergency" matters, and a lot more! Anything not specifically covered at 100% will be covered with a 25% preferred member discount, such as: bank robbery, bankruptcy, contested custody and divorce cases, and some pre-existing situations.
LegalShield also offers supplemental plans such as the Gun Owners Supplement, Trial Defense Supplement, Home Business Supplement, and Rideshare/Delivery Driver Supplement ($14.95/mo each when added to the legal plan).
​
Additionally, there is a plan for Commercial Truck Drivers ($32.95/mo) and for Business Owners ($49 to $169/mo, depending on level of coverage).
Click the link, below, for more information and pricing and to start your membership today!
Identity Theft has been the number 1 consumer complaint for many years. Identity theft has evolved from credit-related to several other forms of identity theft, including: social security fraud, medical identity fraud, unemployment fraud, social media account fraud, criminal identity theft and much more.
IDShield provides comprehensive monitoring of your credit, your social media, passport, SS#, bank and financial institutions and more.
​
IDShield also includes TrendMicro Internet Security Software to protect your devices, plus a VPN for surfing at public places such as coffee shops and airports, as well as a Password Vault to enable you to have unique passwords and keep them safe and accessible to you at all times.
IDShield offers unlimited consultation and advice from licensed private investigators. if you are a victim of identity theft, you will be assigned a licensed private investigator who will handle your case from start to finish, working tirelessly to restore your identity to its pre-theft state.
Rest assured with IDShield, that if you are ever a victim of identity theft, you've got the best professionals on your side to resolve the matter so you can focus on work, fun, and family!
​
Click the link, below, to learn more about this top rated service, voted #1 by Forbes Magazine in 2021!
NEED CREDIT COUNSELING SERVICES???
Purchase both the LegalShield legal plan and the IDShield Identity Theft Plan and you'll also receive Credit Counseling Services for FREE!!!
DOES YOUR EMPLOYER OFFER THESE BENEFITS?
*Both LegalShield and IDShield can be offered as voluntary employee benefits, so if you own a company or work at one and would like to see these benefits offered in your workplace, reach out to us directly.