Monday, October 3, 2016

October fun in West Volusia

It's officially fall! We can feel it in the air, and on our calendars, too, as they fill with fun events throughout West Volusia.

Here are a few of those very kinds of happenings you may want to add to your schedule as we welcome October!

  • NOW THROUGH OCT. 31 -- Heritage Farms, 1338 W. Plymouth Ave., DeLand is operating a corn maze and pumpkin patch through October 31. Visitors can enjoy the corn maze during the daytime or evening hours, scavenger hunts, hay rides and more. Call 386-631-3127 for more details.
  • OCTOBER 7 -- The DeLand Area Chamber of Commerce is hosting the 4th Annual Wine and Tapas event on Friday, Oct. 7, from 6-9 p.m. on Indiana Avenue in Downtown DeLand. The event includes tastings featuring a variety of domestic and international wines, savory tapas fare prepared by Central Florida chefs, and entertainment by local jazz artists. More details are available at 
  • OCTOBER 14 -- Do you love a parade? The DeLand Bulldogs are hosting the annual celebration of DeLand High School's homecoming events. Show your hometown pride and cheer on the DeLand High Bulldogs during their annual homecoming parade and game. The parade begins at 2 p.m. on Woodland Blvd, and the game will be at 7 p.m. at Spec Martin Stadium.
  • OCTOBER 29 -- The DeLand Breakfast Rotary Club is hosting its 26th Annual Turkey and Trap Shoot - Saturday, October 29, from 9 a.m. - 2:30 p.m. Family fun for adults and kids! No admission, and no RSVP required. Proceeds to benefit the Police Athletic League.
  • OCTOBER 31 -- The annual, not-so-spooky Monsters on Mainstreet Trick-or-Treating event with downtown merchants will be Monday, Oct. 31, from 6 - 8 p.m. Enjoy safe fun with the merchants and a kids dance party with a live DJ. 

What factors play into your life insurance rate?

Do you wonder if you need life insurance, or wonder if your age or health make it a good choice for you?

As a general rule, it's best to purchase life insurance when you're younger and healthy. It makes sense that as we get older, life insurance companies view older potential policyholders as greater risks, and those risks are met with a higher premium. The younger you are when you secure the policy, the more affordable it will be. But no matter your age, if you need life insurance -- and it will help financially secure the future for your spouse and dependents -- you will find it to be worth the investment.

While age is one of the primary factors in determining life insurance rates, there are others to keep in mind, too. Below is a list of items that typically affect life insurance premium calculations. Which of these apply to you, and which of these can you change?

How healthy are you? When you apply for coverage, your current health condition is factored into your life insurance premium. Results from recent medical questionnaires or medical exams usually are factored in, as may be the health of your family.

Do you live a healthy lifestyle? Do you smoke or use recreational drugs? If you do, expect your life insurance premium to be higher.

What do you do for a living? If you are in a high-risk occupation, such as a firefighting or law enforcement, it may affect your life insurance rate.

The type of policy also plays a role. Are you part of the group requesting life insurance, are you seeking an individual policy? Are you looking for term or cash-value insurance? The type of insurance policy you seek can have a bearing on its rate.

As we mentioned, your age at the time of application for life insurance coverage is a critical factor. The number of years you'll be around to pay into the policy factor greatly into the policy rate, and some policies will become better options for you. If you're older, you may find that term life insurance is a better choice, for example.

Contact us at Ryan Insurance & Financial to learn more at 386-738-2000.