I went to a fast food resturant the other day and asked for no onions on my hamburger. Onions give me heartburn. The sandwich came with onions, but it got me to thinking. It occurred to me that food and insurance have a lot in common.
The people's approach to fast food is pretty much all the same, by design. It is fast, easy and fills you up until the next meal. It may not have a lot of nutritional value, and it actually may be doing you more harm than good, but it calms the hunger pangs. Ten years from now, you may regret every single fast food meal, but you can't blame the burger. No great expectations, no great rewards, just fast. 
Insurance companies can be just like that. Call an 800 number, get an online quote - and you've just gone through the insurance drive-thru. Don't blame them if you thought a coverage was there but it wasn't. Maybe you just spent an hour waiting for an actual person to tell you that you dialed the wrong number. You bought into an ad, and you got what you paid for. Again, no great expectations, no great rewards. You just got onions on your sandwich. They have a drive-thru on every corner for a reason - just like they have an insurance ad on every channel and a flyer in every mailbox. Their thought is that if you hear it enough you will think "It must be good if it's on TV every night".
Depending on where you buy the food, you may end up with what you don't like, don't need, or might be deathly allergic to. It's the same with insurance. Have a home-based business and get a drive-thru policy and your laptop may not be covered if it's away from the house. (Which only begs the question, what is the point of a laptop that cannot leave the house?) Call an 800 number and you may find your home isn't insured for what you thought when it burns to the ground. Get an online quote and you could find out that "name your price" meant your teenager isn't on the policy (after he wrecks your new truck).
Insurance shouldn't be a drive-thru. You are not a number, or "the meal deal". You are an individual with unique attributes, particular tastes, and specific needs. If you had to lose twenty pounds would you go into a fast food restaurant and ask for a special meal? Of course not - but that's basically what insurance companies want you to think. They want you to think that you can go thru the drive-thru and get a gourmet meal. It CAN'T happen. Their business can't afford to take the time and actually care about you - because it's about the numbers. The guy in line behind you is buying the same exact thing, and so is the guy behind him, and no one is going to complain if they do or don't have onions.
That's the difference with AnCap Insurance. We take the time to assess your insurance needs. When you have a business, a home, a boat, life insurance, health insurance, workers comp, long-term care, Medigap, Medicare or any policy with us - it's not because we have a drive-thru window (and we don't - so please expect to park and stay a while). We care enough about you to make sure that you have the coverage you need, without the heartburn later. Now please keep your elbows off the table, pass the salt, and call us. We like to talk to you. And remember - when the food is this good, you pass it around the table. Tell your friends.
Written by D. Henderson
We know, it's hard to talk about insurance. We also know that the safety and security of your family and friends mean the world to you. What if you could help them not only make sure that they have the proper coverage, but could also save them some money? 
small dinner party, or a large company holiday party. Under the legal principles the social host can be liable for injuries, physical and financial, suffered as a result of a drunk guest who injures a third party . There are some requirements that must be met before the social host is liable. They must have served alcohol to the person who caused the accident, knew the person was intoxicated and that they were planning on driving home. 
