Financial Planning Starts Here

At Janet Smart Insurance Agency, we understand the significance of being financially literate. That’s why we offer tailored financial solutions designed to fit your needs and goals. Whether it’s retirement planning, investment strategies, or insurance coverage, we’re here to guide you towards a more secure tomorrow. And with tax season officially behind us, as the dust settles from filing deadlines, individuals and businesses alike can now focus on mapping out their financial roadmaps for the year ahead.

Also, let’s not forget our graduates! As they embark on their professional journeys, the landscape of financial planning can seem daunting. We believe that establishing a solid foundation early is key to long-term financial success. Whether they’re stepping into their first job, navigating student loan payments, or contemplating their future investments, we’re here to provide personalized guidance every step of the way. Our team understands the unique challenges and opportunities facing young professionals, and we’re committed to helping them build a bright financal future.

The following article provides 7 easy steps to start your road to financial planning. We also encourage you to start your journey with us!

7 Steps To Get Your Financial House In Order

Looking for reliable dental and vision insurance? Look no further! At Janet Smart Agency, we’re thrilled to offer comprehensive vision and dental plans, making us a one-stop shop for all your insurance needs. If you haven’t already obtained this coverage, now is the time to do so, as many services have a 6-month wait period. 

Benefits of our dental and vision plans include but aren’t limited to:

• Preventive Care Coverage: Dental and vision insurance often cover routine check-ups, cleanings, and eye exams, helping catch problems early and preventing costly treatments later.
• Affordable Access to Services: Insurance helps offset the costs of dental procedures, vision correction, and eyewear, making essential care more accessible and affordable.
• Work Performance: Poor dental health and vision problems can affect productivity and performance at work or school. Having access to dental and vision care ensures that individuals can maintain optimal performance in their daily activities.

For more information check out our latest podcast! 

We have also reinstated our healthcare and Medicare plans. Find out more!

Are you planning a trip overseas and considering renting a car to explore your destination? While it’s an exciting prospect, navigating car rental insurance in a foreign country can be daunting. Understanding the ins and outs of insurance coverage is essential to avoid potential pitfalls and ensure a smooth and worry-free journey. Here’s what you need to know about car rental insurance when traveling out of the country:

Understand Your Existing Coverage: Before purchasing additional insurance, review your existing policies. Your personal auto insurance policy or credit card may offer coverage for rental cars abroad. However, coverage specifics can vary significantly, so it’s crucial to know exactly what is covered and what is not.

Research Local Requirements: Insurance requirements for rental cars vary by country. Some countries may mandate certain types of coverage, while others may not. Research the specific insurance requirements of your destination country well in advance to ensure compliance.

Know the Types of Coverage: Car rental agencies typically offer several types of insurance coverage, including Collision Damage Waiver (CDW), Theft Protection (TP), and Third-Party Liability Insurance. Understanding the purpose and scope of each type of coverage will help you make informed decisions.

Collision Damage Waiver (CDW): CDW is designed to cover damage to the rental vehicle in the event of a collision. While it can be expensive, especially when purchased directly from the rental agency, it provides peace of mind by reducing or eliminating your financial liability for damage to the rental car.

Theft Protection (TP): TP covers the theft of the rental vehicle or its components. Like CDW, it can be costly, but it can save you from substantial expenses in the event of theft.

Third-Party Liability Insurance: This coverage protects you against claims from third parties for bodily injury or property damage resulting from an accident involving the rental car. In many countries, third-party liability insurance is mandatory, so ensure that you have adequate coverage.

Consider Excess Insurance: Excess insurance, also known as Super Collision Damage Waiver (SCDW) or Super Theft Protection (STP), covers the deductible portion of CDW or TP policies. Purchasing excess insurance can reduce or eliminate your out-of-pocket expenses in the event of damage or theft of the rental vehicle.

Review Exclusions and Limitations: Read the fine print of your insurance policies carefully to understand any exclusions, limitations, or conditions that may apply. Common exclusions may include driving under the influence of alcohol or drugs, off-road driving, or reckless behavior.

Evaluate Rental Agency Coverage Options: Rental agencies often offer their insurance coverage packages. While convenient, these packages may be more expensive than alternatives available through third-party insurers. Compare the cost and coverage of rental agency insurance with other options to find the best value.

Consider Language Barriers: If you’re traveling to a country where English is not widely spoken, ensure that you fully understand the terms and conditions of your insurance coverage. Consider translating important documents or using translation services to avoid misunderstandings.

Document Pre-Existing Damage: Before driving off with the rental car, thoroughly inspect it for any pre-existing damage, and document it with photographs or videos. This documentation can prevent disputes over damage responsibility when returning the vehicle. Keep this information for approximately 3 months after your trip.

Keep Important Contact Information Handy: In case of an accident or emergency, have essential contact information readily available, including the rental agency’s contact details, local emergency services, and your insurance provider’s hotline.

By understanding the intricacies of car rental insurance and taking proactive steps to ensure adequate coverage, you can enjoy your travels with peace of mind, knowing that you’re protected against unforeseen circumstances on the road. Safe travels!

Wondering whether to purchase rental car insurance every time? Listen here.

As the grip of winter loosens and the promise of spring emerges, so too does the potential for severe weather. From thunderstorms to tornadoes, the arrival of spring brings with it a heightened risk of storms that can wreak havoc on communities. So we wanted to share a blog we received from our friends at ServiceMaster Restore. They cover all the essential tips, strategies, and resources to ensure you and your loved ones are equipped to weather any storm that comes your way this spring.

Do your policy holders know how to prepare for Spring storms?

🌟 Exciting News! 🌟 Janet Smart Agency is delighted to share a major development with our valued clients: we’ve reinstated our comprehensive healthcare and Medicare plans! But that’s not all – we’re thrilled to introduce Shellie Roberson, the newest addition to our team. Shellie brings decades of experience in the insurance industry, having worked with both captive agencies and large health insurance companies. We’re confident her expertise will be a tremendous asset to our agency and, most importantly, to you, our clients.

Meet Shellie Roberson

Shellie joined our team in February, and after settling in, she’s now fully committed to assisting people with their healthcare and Medicare needs. A bit about Shellie: she was born in Searcy, grew up in Southside, and currently resides here with her fiancé Trent and their two dogs, Keyro and Toot. As a proud mom, she’s eagerly looking forward to her daughter Emily completing her nursing degree in May. When not passionately helping clients navigate insurance, Shellie enjoys riding ATVs and motorcycles, boating on the lake, and nurturing relationships with close family and friends.

Elevating Your Healthcare Experience

With the reintroduction of our healthcare and Medicare plans, we aim to provide you with exclusive coverage options designed for your well-being. Here are the key features of our Health Insurance and Medicare plans:

• Comprehensive Coverage: Our plans cover a wide range of medical expenses, ensuring you have access to top-notch healthcare services.
• Affordable Premiums: Quality healthcare shouldn’t break the bank. Our plans come with competitive and affordable premium rates.
• Flexible Options: We understand that each individual’s healthcare needs are unique. Choose from a variety of plans that best fit your lifestyle and requirements.
• Expert Guidance: With Shellie on board, you have a seasoned professional by your side, ready to guide you through the intricacies of health insurance and Medicare.

Ready to learn more or get a personalized quote? Call or text us at 870.793.5757, and our team will be happy to assist you on your journey to comprehensive healthcare coverage.

Here’s to a healthier and happier future together at Janet Smart Agency!