Author: Alison Jensen

Life Insurance Companies

If you don’t get life insurance through work or want to purchase more coverage than your employer offers, it pays to do your homework. They evaluate life insurers on financial strength, customer complaints, policy options and riders, and ease of application.


A high financial stability rating adds value, and a smooth claims process can mean the world to grieving beneficiaries. Compare these metrics and other important factors to find the best Life Insurance Companies Las Vegas.

Life insurance is a way for you to protect your loved ones against financial hardship in the event of your death. It pays a lump sum to your beneficiaries upon your death in exchange for premium payments you pay during your lifetime. It can help your family cover funeral expenses, living costs, lost wages, debts, mortgages, and more. While no amount of money can ease the grief of losing a loved one, life insurance can help your family get by without you.

The most important aspect of life insurance is the death benefit, which is a lump-sum payment that your beneficiary or beneficiaries receive upon your death. You can choose to buy a policy that has a guaranteed face amount or one that increases in size over time, depending on your needs. The policy can also offer living benefits, such as a cash value that you can borrow against or use for special expenditures (such as an education fund) or even transfer to another company, subject to certain restrictions and limitations.

Many people choose to purchase life insurance in order to provide a financial safety net for their families in the event of their unexpected death. It is also an excellent tool to help with estate planning and to supplement retirement savings. However, deciding on the type and amount of coverage you need can be difficult. A life insurance calculator is a useful tool to help you determine the best coverage for your unique situation.

There are several factors that influence the cost of life insurance, including your health, lifestyle and driving history. In addition, some occupations and hobbies can increase the risk of death, which may result in higher rates. Generally, the younger and healthier you are, the lower your rate will be. Many employers offer group life insurance as part of their employee benefits, and it can be an affordable option for those who do not want to pay out of pocket. You can also find independent insurance brokers who specialize in life insurance to shop around for the best deal on your coverage.


A life insurance company promises to pay a lump sum known as the death benefit to beneficiaries when the policyholder dies. In exchange, the policyholder pays premiums that the insurance company uses to cover outstanding liabilities and make sure beneficiaries receive the payouts they’re owed. Premiums also help life insurers cover operating expenses like salaries, benefits and office space. Some life insurers use a portion of premiums to invest in the company, which can boost future earnings.

Each life insurance company weighs different factors differently when evaluating applications. They might consider your age, gender, medical history, occupational hazards and high-risk hobbies when calculating the cost of premiums. The younger you are, the less your premium will be. However, many life insurance companies will increase your premiums as you grow older to reflect a decrease in your life expectancy.

Depending on the type of life insurance coverage you choose, you may have to pay monthly, quarterly, semi-annually or annually. Some policies even offer a one-time payment option, called a single premium policy. Some insurers will allow you to add riders to your policy, which can alter the way a death benefit is paid out and increase your premium.

While it’s important to choose a life insurance policy that meets your needs, you should also be mindful of how much you can afford. Choosing a premium amount that’s above your financial ability can cause your policy to lapse, which means your beneficiaries will not receive the death benefit. In most cases, you can reinstate your lapsed policy by paying the overdue premium plus interest within a grace period.

While each life insurance company’s evaluation process is unique, most will require you to take a medical exam and submit your medical records to assess the level of risk you pose. A company might refuse to sell you a policy if it believes your health or habits are too high of a risk. In such a case, you might be able to find another company that offers life insurance coverage with more flexible underwriting and acceptable health criteria.


While life insurance is typically seen as a death benefit, it can also provide financial protection during the insured’s lifetime. Riders add to a policy and can offer supplemental coverage during specific life events, such as an accidental death or a chronic or terminal illness. However, riders do come with an extra cost and should be carefully considered before they are added to a life insurance policy. An experienced financial advisor can help you consider if life insurance riders fit into your family’s financial planning goals.

Most life insurance companies allow their customers to customize their policies with riders. However, the availability and cost of riders varies by life insurance company and policy type. Riders can include additional death benefits, accelerated payments, premium waivers and other features. Some riders are permanent, while others are temporary and may be subject to conditions, such as needing a medical exam or age limits.

The most common riders are available on term and whole life insurance policies and include options such as accidental death and a disability waiver of future premiums. These riders typically pay a small death benefit in the event of an accident or can waive future premiums on the main breadwinner’s policy in the case of a disabling condition. Other riders can be added to a whole life or term policy, such as children’s and spouse’s riders that pay out a small death benefit in the event of their deaths.

Some riders are considered living benefits and can be accessed during the insured’s lifetime. These can include riders that accelerate the death benefit in the event of a critical or chronic illness, as well as long-term care and retirement income riders. These can be a great way to supplement a pension or social security benefit, or even help pay for long-term care expenses. These riders will usually increase the death benefit of a policy and can be paid out on a lump sum basis or as an ongoing monthly payout. They can also be a good way to avoid the expense and hassle of applying for a new life insurance policy when a qualifying event occurs.


When a policyholder dies, beneficiaries file a claim with the life insurance company to collect the death benefit. Usually this involves submitting a certified copy of the death certificate and completing a short claims form. The life insurer typically reviews the claim and the death certificate and might investigate the cause of death to ensure that it is covered under the terms of the policy. Most companies process the claim within a week once they have all of the necessary information.

It is important for beneficiaries to get in touch with the life insurance company as soon as possible after a loved one’s death. This is especially important because the company may not know that the person died, and it will need to verify the death before it can pay the benefit. The financial representative who handled the life insurance policy can help you with this, or you can contact the company’s customer service department. The representatives will explain the specifics of how to submit a claim, and they can also provide or point you to the appropriate forms.

Most life insurance policies have a two-year contestability period, which means that the insurance company can review the information on the application to look for fraud or material misrepresentation. This can delay the life insurance payout if the insurance company discovers that the policyholder gave false information on the application. In addition, life insurance companies will often review the cause of death to ensure that it isn’t a suicide.

Depending on the type of life insurance policy, there are different rules about who can be designated as a beneficiary. In general, spouses, children and other relatives can be named as beneficiaries on a life insurance policy. However, the beneficiary designations in a life insurance policy are not legally binding and can be changed at any time. If a beneficiary is deceased, the life insurance company will send a check to the next in line according to the beneficiary list on the policy. If there is no named beneficiary, the benefits will go to the estate, which includes any debts owed by the insured’s family.

Hydro Jetting – Get Rid of Clogged Drains and Sewer Lines

Unlike commercial drain cleaners, which can eat away at your pipes, Hydro Jetting Los Angeles uses no chemicals. Your plumber inserts a specialized nozzle downstream into your plumbing system. This nozzle connects to a durable hose that’s capable of withstanding high psi forces.

Hydro Jetting

The powerful blast of water removes any debris that’s stuck to your pipe walls. This prevents future blockages and helps your pipes last longer.

Unlike store-bought drain cleaners that contain chemicals that can corrode your pipes, Hydro jetting does not use any harmful ingredients. Instead, it uses a jet of pressurized water to clear away the grime and blockages. The high-powered water can easily penetrate even the deepest of clogs and blast them away. This method is safe and effective for your pipes and the environment.

This powerful cleaning process can remove all types of buildup, including grease and soap scum, as well as tree roots. It is also effective for clearing out stubborn drain clogs caused by sewer backups. A clogged sewer line can lead to sewage and waste backing up into your home, creating a health hazard for you and your family. If you hear gurgling, bubbling or hissing noises coming from your plumbing system, this is a sure sign that there’s a major clog somewhere in the system. Typically, this type of clog can’t be removed with a snake or plunger, and requires the assistance of hydro jetting.

It can even clean the insides of your pipes, which will reduce their clogging potential in the future. Using hydro jetting can eliminate bacteria that accumulates on the walls of your pipes, which can cause health and odor problems. Hydro jetting is especially useful for homes with older pipes that are often the source of clogs and drainage issues.

If you have old pipes, it’s best to consult a professional plumber before considering hydro jetting. They will perform a video inspection to locate the clogs and see if your pipes can handle the pressure of the high-powered water. If they can’t, the plumber will recommend other more gentle drain cleaning solutions.

A hydro jetting service is an excellent way to keep your piping system in good condition and to prevent costly repairs or replacements down the road. It is also a great option for businesses with large drain lines that are subject to a lot of wear and tear. For more information about our hydro jetting services, contact us today! Our licensed, experienced plumbers will thoroughly inspect your pipes and advise you of the best options for addressing your clogs.

It’s Effective

Whether you are experiencing slow drains, gurgling sounds in the toilet or raw sewage backflow, you can count on hydro jetting to get your sewer lines cleaned quickly and thoroughly. The pressurized water scours the walls of your pipes, dislodging and destroying any built-up materials. It also dissolves and breaks down tree roots, which can cause serious blockages. The powerful water pressure can help extend the life of your drain and sewer lines as well.

Unlike chemical drain cleaners, Hydro jetting doesn’t use any harsh or toxic chemicals to clean your pipes. The high-pressure water can remove all types of buildup, including grease, debris, and tree roots. This leaves your pipes free of the corrosive gunk that can lead to premature breakdown and costly repairs. Hydro jetting is a green and eco-friendly alternative to chemical drain cleaners that can harm the environment.

The power of the water also makes hydro jetting ideal for old or fragile pipes. However, it may not be enough to dislodge severe obstructions caused by damaged or bellied pipes. A professional plumber should evaluate the condition of your pipes before starting any work.

Before the hydro jetting process begins, a plumber will snake a small video inspection camera down your drain line to see where the clog is located and what it is made of. This will allow the plumber to make an informed decision about how to proceed with the cleaning process. For example, if the problem is a large clump of tangled tree roots, the plumber might need to break them up first with a snake before jetting the line.

Hydro jetting is very effective in ALMOST ALL cases of clogged or blocked drains and sewer lines. If you are experiencing slow drains, gurgling in the toilet or smelly raw sewage backing up into your home, it’s time to call for a hydro jetting service.

Getting your plumbing in tip-top shape will save you money in the long run and ensure that your home is safe and comfortable. Be sure to shop around for the best rates and services available. Obtaining multiple quotes will help you compare prices, experience and included services. Bundling hydro jetting with other plumbing repairs or services can also result in a discount on your total bill.

It’s Affordable

If your drains are frequently clogged and you’ve tried snaking and plunging, it may be time for hydro jetting. This powerful cleaning technique uses high-pressure water to clean pipes and remove clogs from grease deposits, hair, soap scum, mineral build up, tree roots, and other debris. The pressurized water is so powerful, it cuts through the clog and blasts the debris out of your drain line and into the municipal sewer system.

The highly pressurized water also flushes out any bacteria growth in your pipes. This means that your pipes are cleaner and won’t re-clog for years. The use of this method eliminates the need for chemical solutions and is safe for your family and pets. HB Home Service Team can provide this service for your home or business.

Hydro jetting is an affordable option to consider if you have frequent clogged pipes or have a serious clog that just won’t go away with snakes and plungers. Because it is so effective, it may be worth the initial investment to avoid costly damage to your pipes down the road.

Using hydro jetting, a plumber can reach even the hardest-to-reach spots in your home’s plumbing system, such as inside your walls. This method is much more flexible than traditional methods of unclogging pipes, which require cutting into the drywall and exposing the insides.

A professional plumber can also evaluate your piping system to ensure that it is in good condition before proceeding with hydro jetting. This is important because the high-pressure water can be damaging to older, brittle pipes and could cause leaks or breaks.

If you’re tired of dealing with clogged drains, give us a call at HB Home Service Team. Our plumbing experts have the skills and equipment to perform a thorough inspection and hydro jetting of your entire plumbing system to prevent future problems. Contact us today to schedule an appointment. We’re your local plumbing company that offers a wide range of services to help keep your home and family healthy, clean, and safe. We’ll work hard to get your plumbing back on track and make sure that it stays that way.

It’s Eco-Friendly

Unlike snaking or chemicals, Hydro Jetting leaves your pipes completely clean. The blast of pressurized water breaks up sludge and leaves the pipe’s inner surface free of residue, which can cause clogs in the future. While the process takes longer than snaking or chemical treatments, it leaves your pipes healthier and better able to handle regular use.

The process is also eco-friendly because it uses only water. While some people may think the large amount of water used can be a waste, it’s actually less damaging to the environment than other techniques. The only other ingredient used is soap to wash away the debris that’s washed down the drains. And, since no toxic substances are used, this technique is perfectly safe for households that connect to a public sewer system.

A hydro jetting machine typically shoots a jet of water from 2,000 to 4,000 psi. The plumber will adjust the pressure as needed to prevent damage to your pipes and to ensure that the clog is fully removed. If there are tree roots causing the problem, for example, the plumber can set the pressure higher to break them up and blast them out of the pipe.

Frequent clogs are a sign of a serious problem in your sewage line, and they can cause unpleasant odors, health issues, and raw sewage backup in your home. If you’re experiencing recurring problems, call a plumber to perform a video inspection of your sewage lines to find the source and address the issue.

For homeowners who are concerned about the environmental impact of traditional clog removal methods, Hydro jetting is an eco-friendly solution that provides long-term results. It can help you avoid costly repairs and cut down on your water bills by making it easier for water and waste to flow freely through your plumbing system. The high-powered water jets can clear accumulated grease, hair, soap scum, mineral deposits, soil, and tree roots from your pipes. It can even help you avoid the infamous London “fatberg” by breaking up the buildup of fatty food scraps and fats.