David Starns Insurance

We are here to educate, provide advice, and protect your assets, not just sell you something.

[David Starns Insurance @DSInsuranceKC]

Life insurance helps protect your loved ones, financially, in the event of your death.

If anyone relies on your income, you need a life insurance policy.

David Starns Insurance can get you started in Kansas City with information and FREE quotes.

#lifeinsurance #KCinsurance

[David Starns Insurance @DSInsuranceKC]

Whether you'd like to...

-Help Family Maintain Lifestyle
-Pay College Costs
-Leave a Legacy for Future Generations

... David Starns Insurance has options to fit your needs and budget!

#KCinsurance #lifeinsurance

[David Starns Insurance @DSInsuranceKC]

You can invest the cash value element into a mutual fund, and you could see the big returns.

These policies are far more complex than the others, but if you’re willing to pay some fees and assume greater risk, it could be a rewarding choice.

#universallife #insuranceagent

[David Starns Insurance @DSInsuranceKC]

The cash value component of indexed life is tied to one or more stock market indexes.

When you pay premiums, part of the money pays your policy fees.

The rest go toward your cash value.

#universallifeinsurance #lifeinsurance

[David Starns Insurance @DSInsuranceKC]

The most common is funeral arrangements.

Even a basic funeral can cost between $7,000 and $10,000, so your beneficiary can use the funds to help with that—and carry out your final wishes in an organized fashion while grieving your loss.

#finalexpense #lifeinsurance

[David Starns Insurance @DSInsuranceKC]

Lawsuits for injury or damage by pets or children, sports, or a home or auto accident can result in injuries, property damage, wrongful death, and legal expenses that can take your home, investments, retirement fund, and even future earnings.

#umbrellapolicy #umbrellainsurance

[David Starns Insurance @DSInsuranceKC]

Simplified issue final expense does not require a medical exam like other life insurance policies.

With guaranteed issue final expense, you don’t have to answer any questions about your health.

#finalexpence #insuranceagent

[David Starns Insurance @DSInsuranceKC]

Your premiums will stay fixed no matter how well the index performs—the interest rates are set from the origin of the policy.

So it’s the least risky universal life insurance policy.

The downside? There’s not much cash value in it.

#gauranteeduniversallife #lifeinsurance

[David Starns Insurance @DSInsuranceKC]

Think if you died in a sudden accident—would your family be able to keep up with the monthly mortgage payments?

That’s where mortgage protection insurance can help.

We will get you started in Kansas City with information and FREE quotes.

#mortgageprotection #KCMO

[David Starns Insurance @DSInsuranceKC]

This type of insurance is designed to pay off all, or a percentage of, your mortgage.

Optional riders like disability income are available in most states, and you can customize the protection to fit your family’s needs and budget.

#mortgageprotection #homeinsurance

[David Starns Insurance @DSInsuranceKC]

Your condo association’s insurance covers parts of the building structure but, typically, doesn’t cover your furniture, clothes, and electronics.

It will help you repair or replace your possessions if they’re damaged by fire and smoke, theft, and more.

#HOA #insurance

[David Starns Insurance @DSInsuranceKC]

Once you sign up for a whole life policy, you will be covered until you pass away (unless you continually miss your monthly payment).

The death benefit for whole life can be anywhere from $200,000 to more than $1 million.

#wholelife #insurance

[David Starns Insurance @DSInsuranceKC]

If you use your condo as a second home and it’s vacant for more than 30 days, your standard policy may not cover damages that happen while you’re gone.

If your condo is a vacation home or a second home, you’ll need a second home insurance rider.

#insurancerider #coverage

[David Starns Insurance @DSInsuranceKC]

Your condo insurance policy may help pay for costs resulting from or caused by:

Theft
Vandalism
Fire and smoke
Sudden, accidental water damage from plumbing or household appliances

#kccondo #MOcondo

[David Starns Insurance @DSInsuranceKC]

Interior Walls
The inside structure, cabinets, etc. for which you are responsible.

Liability
For lawsuits against you, like a dog bite.

Personal Property
Your clothes, furniture, TVs, rugs, and more.

For more questions about Condo Insurance, send us a message!

#condo #KC

[David Starns Insurance @DSInsuranceKC]

Condo owners need insurance, too, but your typical homeowners policy won’t work.

Our condo insurance meets HO-6 requirements.

David Starnes Insurance can help you get started in Kansas City with reliable information and fast, FREE quotes.

#KC #insurance

[David Starns Insurance @DSInsuranceKC]

You choose the coverage amount of 10 to 30 years.

When it expires, you may renew it or in some cases, sell your policy.

If you cancel or outlive your term life policy, you don’t get your money back.

#termlife #insurance

[David Starns Insurance @DSInsuranceKC]

If something happens to your belongings or someone inside your space, you’ll receive financial compensation.

The average annual cost of condo insurance in Missouri is $897.

In Kansas, it is $908.

With such a low price tag, having coverage is pretty much a no-brainer.

#KS #MO

[David Starns Insurance @DSInsuranceKC]

At David Starns Insurance, we know what it takes to help families like yours stay protected from the uncertainties of life.

We’re committed to providing you with excellent service and treating you as one of our own family members.

#familyinsurance #KCMO

[David Starns Insurance @DSInsuranceKC]

Want more coverage?

You have a few options to add onto it, called riders.

You can also ask us about replacement cost coverage, scheduled personal property riders, pet damage riders, and identify theft coverage.

#morecoverage #rentalinsurance