Nelles Insurance Solutions

Mutual of Omaha

Life insurance is for the living. It gives you and your loved ones:

A financially secure future
Life’s necessities and the little extras
A good night’s sleep

In addition to providing death benefits so your loved ones can carry on financially without you, certain types of life insurance can build cash value to secure your own financial future. Life insurance benefits help:

Satisfy final expenses
Replace income after a breadwinner’s death
Send children to college

Pay off a mortgage or business loan
Build financial security

Whether you’re married or single, chances are, there are people in your life that depend on you for financial support. If you were to die, that financial support could die with you. Proper financial planning, including adequate life insurance protection, can help provide for your loved ones in the event of your death.
And proceeds from a life insurance policy are provided to beneficiaries tax free. Life insurance is one of the only ways to provide assets to your surviving family members without the burden of paying additional taxes.
If you’re married, or married with children, life insurance proceeds can help your surviving spouse/civil union partner pay outstanding debts, maintain the home purchased for the family, and put your children through college.
If you’re a single parent, life insurance benefits are invaluable. Planning for the unexpected can give you peace of mind in knowing that your children will be protected after your death.
If you’re single, you may be caring for a parent that may continue to need support in the event of your death, or, you may want to leave money to your church or favorite charity.
No matter your situation, life insurance allows you to keep your promises to your loved ones. We provide life insurance options to meet your specific needs.

Nelles Insurance Solutions in Lynchburg, VA offers ERIE’s affordable Identity Recovery coverage which quickly restores the credit and reputation of identity theft victims
While the overall economy remains sluggish, it’s boom time in the shady business of identity theft.

There are more than 10 million victims of identity theft each year, and the Identity Theft Resource Center [1] predicts that rising unemployment will drive more people to commit identity fraud in 2010. The organization predicts that, while online scams will persist, more thieves will turn to low-tech methods such as stealing Social Security numbers, dumpster diving or “phishing” for credit card numbers.

Criminals will also take advantage of increasing unemployment rates by tricking people who are searching for job listings. The fake job listings and work-at-home scams will eventually end with the job seeker providing a Social Security number or other personal information to criminals. The thieves will then use the information to open new accounts or tap into existing ones.

Terry McConnell, Personal Lines Underwriting manager at ERIE, says that identity theft is “trending upward” with criminals using Social Security numbers and other personal information to set up false accounts or access lines of credit.

“Once that happens, they are on the way to ruining your credit rating,” he adds.

Ways to Protect Your Identity
Consumers can take preventative measures by shredding documents, being wary of sharing personal information online or over the phone, and not using Social Security numbers as passwords. Yet, with widespread security breaches becoming increasingly common, there’s no surefire way to guarantee your identity won’t be stolen.

Fortunately, ERIE Customers can fight back and protect their identities by adding an affordable Identity Recovery endorsement to their homeowners insurance coverage.

If you become a victim of identity theft, ERIE’s identity restoration experts work to “get you back to where you were before your identity was fraudulently used,” McConnell says.

“They know exactly what to do and can stop the bleeding very quickly,” McConnell says.

Identity recovery experts handle a complex process that can be overwhelming for consumers who lack the coverage. The Federal Trade Commission estimates that, for individuals, the recovery process could take about 500 hours and cost $3,000.

Specifically, if you have ERIE’s Identity Recovery coverage and someone steals your identity, experts will quickly work to track down any instance in which your name was fraudulently used. They then work with credit agencies, financial institutions, government offices, and credit card companies to clear your good name. The coverage also includes up to $25,000 in reimbursement for fraudulent use of credit cards. ERIE Customers with homeowners insurance can add the endorsement for a low annual fee.

“It’s an exceptionally good deal for what you get,” McConnell says. “Anyone who has had to endure the process of having your identity stolen would say it’s one of the best purchases they’ve ever made.”

Customers with the coverage can report suspected identity theft by calling ERIE’s Identity Recovery Hotline at 1-866-ERIENOW.

Contact Nelles Insurance Solutions today to have Identity Recovery coverage added to your ERIE policy today.