518-608-5797 Facebook Twitter Linkedin Google+ YouTube Blog

Twin Bridges Insurance Agency

 mobile-navigation

HOW CAN WE HELP YOU?

mobile-callClick to Call
Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

google-mapGet Directions
Family in automobile

Monthly Archives: October 2025

I am older and don’t have life insurance. Is it too late?

Posted on by

Life insurance can be a powerful tool for managing your financial needs, supporting loved ones, and planning for the future. However, understanding which type of life insurance policy best suits your situation is crucial. Life insurance offers a variety of benefits to address both your living needs and those of your loved ones after your passing. At NY Twin Bridges Insurance Agency, we are committed to helping our Albany, NY, clients, both current and prospective, find the answers they need regarding life insurance.

Term Life vs. Whole Life Insurance

Life insurance policies are typically offered as term policies, which last for a set period, or whole life policies, which provide coverage for your entire life. Term policies often span a decade or more and can cover expenses such as end-of-life costs, final expenses, and more. Both types of policies allow you to designate beneficiaries who will receive a lump sum of money after your passing. Beneficiaries are free to use this money as they see fit, whether for funeral costs, debt repayment, or other financial needs.

I’m Older and Don’t Have Life Insurance. Is It Too Late?

While many people invest in life insurance before reaching retirement age, it’s never too late to consider a policy. Older adults can still benefit from life insurance, which can cover final expenses, ease the financial burden on loved ones, and provide peace of mind. Although premiums may be higher for older individuals, the benefits remain valuable. At NY Twin Bridges Insurance Agency, we are committed to helping clients of all ages find the right policy. We understand that lifestyle needs evolve with age, and we are here to help you determine the best type of coverage for your situation. Contact us today to learn more. We are ready to assist you.

Will Commercial Insurance Cover Storm Damage?

Posted on by

Commercial insurance in Albany, NY, typically provides coverage for various events; however, it may not cover everything you need, such as inventory or specific types of storm damage. Understanding your policy before a natural disaster strikes is essential.

Common Coverage

Most commercial insurance policies offer standard coverage for storm-related damage. This includes property damage caused by wind, lightning, fires, and electrical fires, such as those resulting from power surges during storms. An agent at NY Twin Bridges Insurance Agency can help you learn more about these coverage options.

Common Exclusions

Many policies have exclusions that you should be aware of. For example, flood damage—caused by rising water—is often excluded. If a hurricane leads to heavy rainfall and flooding, the resulting water damage would typically be classified as flood damage and not covered under standard policies. Additionally, damage from named storms, such as hurricanes, may require separate coverage to ensure your commercial insurance adequately protects your business.

Some policies also exclude tornado damage. Depending on your location, you may need to meet specific requirements to qualify for coverage. For instance, areas prone to hurricanes may require storm windows and doors, while regions susceptible to winter storms may require proof of a backup generator to address power outages.

How to Tell

It’s essential to take the time to understand your policy thoroughly. Read the fine print to identify exclusions and research common natural disasters in your area to perform a risk assessment.

Once you’ve assessed the risks, contact an agent at NY Twin Bridges Insurance Agency to explore your options. We proudly serve the Albany, NY, area and are here to help you find the coverage you need.