WEDDING INSURANCE HELPS MAKE THINGS RIGHT WHEN SOMETHING GOES WRONG
 You've always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong--things that are beyond your control.
What if your reception venue goes out of business a month before the wedding, and you lose your deposit and have to find another location? Or a hurricane causes your wedding to be postponed? What if your bridal shop closes, leaving you without a gown?
A wedding is an investment, and as the average cost of weddings rises, now up to $27,000 wedding insurance is needed more than ever. After all, you wouldn't buy a new car that costs that much without insuring it against damage.
For as little as $160, your wedding insurance policy can cover a variety of situations, such as:
-No Dress. You can get repair or replacement cost if the bride's wedding gown or groom's tuxedo is lost or damaged.
-Lost Deposits. We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.
-Lost Rings. You can receive repair or replacement cost if the bride or groom's wedding bands are lost or damaged.
-Severe Weather. If severe weather (such as a hurricane) forces you to postpone your wedding we can provide reimbursement for non-recoverable expenses.
-Transportation Shutdown. If you have to postpone the wedding because a commercial transportation shutdown prevents the bride, groom or their parents from getting there, you can receive reimbursement for non-recoverable expenses.
-Ruined Photos. If your photographer's film is defective, or negatives are lost or damaged, we can help cover the cost to re-take new photos.
-Call to Duty. If the bride or groom is unexpectedly called up to active duty, or has her or his military service revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.
-Damaged Gifts. You can get repair or replacement cost if your wedding gifts are damaged.
-Sudden Illness. If the wedding needs to be postponed because sudden illness prevents the bride, groom or their parents from attending, you can receive reimbursement for non-recoverable expenses.
-Venue Requires Insurance. As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.
-Liquor Liability. As an individual liability option to your policy, you can add this coverage to protect yourself against liability arising from alcohol-related occurrences (subject to policy conditions and exclusions).
-Additional Expenses. If a vendor suddenly becomes unavailable for your event but you can find a last-minute replacement, we can reimburse you for the difference in cost.
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With any luck, most of us will live a long life. When that happens, we get old. When we get old, there is a good chance we may need care. When we need care, our family members must bear the consequences of this and the effect on the family can be horrendous if you don't have a plan. MTM can help you with a plan to protect your family's financial, physical and emotional well-being. 
shareholder, the surviving partners and owners of a business could face a myriad of financial hurdles that may jeopardize everything they have worked so hard to build. For this reason, it is important that businesses talk to MTM about obtaining a Buy-Sell Agreement and funding it with a life insurance policy. A Buy-Sell Agreement is a contract among business owners that requires them to purchase the ownership interest of the deceased owners share. With a Buy-Sell Agreement, the business purchases and is the direct beneficiary of a life insurance policy it takes out on each of the owners. If one of the owners should unexpectedly pass away, the life insurance proceeds are paid directly to the business in one lump sum. The business can then use the life insurance proceeds to purchase the deceased owners share from his estate or heirs. Using life insurance to purchase ownership interest frees the company from having to take out a loan or use its own capital to buy the deceased owner's share from their estate. In addition to helping a business transfer ownership of the company without suffering a financial hardship, life insurance proceeds can also be used to cover the untimely death of key individuals in a company. For example, if a key employee passes away, a business may have unanticipated costs to replace that individual such as expenses to hire and train a replacement employee or expenses from having to hire temporary staff until a permanent replacement is found. Some businesses can even lose sales or experience a decrease in revenue in the event a key individual passes away. Life insurance can be used by businesses in a variety of ways and is an excellent tool for protecting the financial health of a business in the unexpected death of an owner or key individual.