10 Things You Did Not Know that Life Insurance Can Do for You

#1. Pay for long-term care expenses.

Long-term care insurance is expensive, and adding a rider to a life insurance policy can be an effective way to get this coverage. Specialty products that combine life and long-term care insurance are also available. Whether the coverage comes as a rider or a specialty policy, using long-term care benefits typically reduces the amount of the death benefit.

It can be a good choice for people who want long-term care insurance, but aren't sure if they will need it.

 #2. Provide benefits if you're terminally ill.

Known as living benefits, this perk comes standard on many term and whole life policies. The details vary by plan, but living benefit provisions generally allow those with a life expectancy of 12 months or less to receive a portion of their death benefit in advance.

#3. A source of cash if you're disabled.

Policyholders don't have to be dying to get their death benefit early from some insurers. Many plans offer chronic illness or critical illness riders that may pay out funds if a person becomes disabled or experiences a heart attack, stroke or invasive cancer, among other things. These options can provide a vital safety net to people who are unable to work and have mounting medical bills.

#4. Give one last gift to a favorite charity.

You could leave the money in your savings account as a bequest to an organization, or you could use some of that cash to buy life insurance and give substantially more. Depending on the policy, your age and health, you may be able to turn small monthly premiums into a large donation.

#5. Ride out a bear market.

One of the more novel approaches to using permanent life insurance is as a safeguard against a sagging stock market. This strategy only works with insurance policies that have cash value. Retirees can take a tax-free loan from a policy rather than withdrawing money from retirement funds. Then, when the market rebounds, gains from investments can be used to pay back the loan.

#6. Minimize your taxes in retirement.

Leveraging loans from a whole life policy isn't just something for bear markets. Policyholders can treat that life insurance as their own personal pension, by working out a strategy of withdrawals and loans that will let them create an ongoing stream of tax-free money in retirement. 

#7. Insure the life of a child.

Although parents can buy an insurance policy specifically for their child, they could also add a rider on their own plan. Many insurers offer child protection riders at a low cost and with flexible premiums

#8. Cover a child's college costs.

Another way to use life insurance to help a child is to take out loans from a whole life policy for tuition payments. Often, the guaranteed loan rates [on many policies] are better than the rates for student loans.  Rather than paying interest to a bank or the government, that money goes back into the policy.

#9. Waive your premiums.

Premium waiver riders also come standard with many policies, and these provisions can help those who become disabled keep their coverage. The rider eliminates premiums for those who have a qualifying injury or illness.  

 #10. Return your money if you don't die.

Your life insurance company could return all your premiums if you reach the end of a policy's term and never make a claim. You have to pay extra for a return of premium rider, and it may make more financial sense to invest that money instead. However, some people like knowing they will get all their money back if they end up outliving their life insurance.


Walls Insurance Annual Community Yard Sale

Walls Insurance is hosting its first annual community yard sale!

How it works:

The first 10 insureds (must be clients of Walls Insurance) to sign up for a slot, get to sell their yard sale items at our Smithfield office. Sign up by filling out this form.

Primary Purpose of the community yard sale:

To engage with the community! We want to offer you a safe and organized environment, to be able to sell more of your stuff! Walls Insurance will be providing tarps and water for this event, as well as all the advertisement before and during the yard sale.

Is there a fee?


Any further questions, reach out to jwalls@wallsins.com

Hurricane Preparation Checklist

Essentials Checklist


❏ Store water in plastic containers such as soft drink bottles. Avoid using containers that will decompose or break, such as milk cartons or glass bottles. A normally active person needs to drink at least two quarts of water each day. Hot environments and intense physical activity can double that amount. Children, nursing mothers, and ill people will need more.

❏ Store one gallon of water per person per day.

❏ Keep at least a three-day supply of water per person (two quarts for drinking, two quarts for each person in your household for food preparation/sanitation).* FOOD Store at least a three-day supply of non-perishable food. Select foods that require no refrigeration, preparation or cooking, and little or no water. 

Select food items that are compact and lightweight. Include a selection of the following foods in your Disaster Supplies Kit:

❏ Ready-to-eat canned meats, fruits, and vegetables

❏ Canned juices

❏ Staples (salt, sugar, pepper, spices, etc.)

❏ High energy foods

❏ Vitamins

❏ Food for infants

❏ Comfort/stress foods


Assemble a first aid kit for your home and one for each car.

❏ (20) adhesive bandages, various sizes.

❏ (1) 5” x 9” sterile dressing.

❏ (1) conforming roller gauze bandage.

❏ (2) triangular bandages.

❏ (2) 3 x 3 sterile gauze pads.

❏ (2) 4 x 4 sterile gauze pads.

❏ (1) roll 3” cohesive bandage.

❏ (2) germicidal hand wipes or water-less alcohol-based hand sanitizer.

❏ (6) antiseptic wipes. ❏ (2) pair large medical grade non-latex gloves.

❏ Adhesive tape, 2” width.

❏ Anti-bacterial ointment.

❏ Cold pack.

❏ Scissors (small, personal).

❏ Tweezers.

❏ CPR breathing barrier, such as a face shield. NON-PRESCRIPTION DRUGS

❏ Aspirin or nonaspirin pain reliever

❏ Anti-diarrhea medication

❏ Antacid (for stomach upset)

❏ Laxative

❏ Activated charcoal (use if advised by the American Association of Poison Control Centers)


 ❏ Mess kits, or paper cups, plates, and plastic utensils*

❏ Emergency preparedness manual*

❏ Battery-operated radio and extra batteries*

❏ Flashlight and extra batteries*

❏ Cash or traveler’s checks, change*

❏ Non-electric can opener, utility knife*

❏ Fire extinguisher: small canister ABC type

❏ Tube tent

❏ Pliers

❏ Tape

❏ Compass

❏ Matches in a waterproof container

❏ Aluminum foil

❏ Plastic storage containers

❏ Signal flare

❏ Paper, pencil

❏ Needles, thread

❏ Medicine dropper

❏ Shut-off wrench, to turn off household gas and water

❏ Whistle

❏ Plastic sheeting

❏ Map of the area (for locating shelters)


❏ Toilet paper, towelettes*

❏ Soap, liquid detergent*

❏ Feminine supplies*

❏ Personal hygiene items*

❏ Plastic garbage bags, ties (for personal sanitation uses)

❏ Plastic bucket with tight lid

❏ Disinfectant

❏ Household chlorine bleach


*Include at least one complete change of clothing and footwear per person.

❏ Sturdy shoes or work boots*

❏ Rain gear*

❏ Blankets or sleeping bags*

❏ Hat and gloves

❏ Thermal underwear

❏ Sunglasses

Possessions and Documents

❏ Keep these records in a waterproof, portable container:

❏ Will, insurance policies, contracts deeds, stocks and bonds

❏ Passports, social security cards, immunization records

❏ Bank account numbers

❏ Credit card account numbers and companies

❏ Inventory of valuable household goods, important telephone numbers

❏ Family records (birth, marriage, death certificates)

❏ Store your kit in a convenient place known to all family members. Keep a smaller version of the supplies kit in the trunk of your car.

❏ Keep items in airtight plastic bags. Change your stored water supply every six months so it stays fresh. Replace your stored food every six months. Re-think your kit and family needs at least once a year. Replace batteries, update clothes, etc.

❏ Ask your physician or pharmacist about storing prescription medications.

Hurricane Preparation: Before, During, and After

We are here for you during any kind of storm. If you need help preparing for a storm or if you want a structured list of what we recommend you do before, during, and after the storm, please read this article!


  • Determine how best to protect yourself from high winds and flooding.
    • Evacuate if told to do so.
    • Take refuge in a designated storm shelter, or an interior room for high winds.
  • Listen for emergency information and alerts.
  • Only use generators outdoors and away from windows.
  • Turn Around, Don’t Drown! Do not walk, swim, or drive through flood waters.

Prepare NOW

  • Know your area’s risk of hurricanes.
  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.
  • If you are at risk for flash flooding, watch for warning signs such as heavy rain.
  • Practice going to a safe shelter for high winds, such as a FEMA safe room or ICC 500 storm shelter. The next best protection is a small, interior, windowless room in a sturdy building on the lowest level that is not subject to flooding.
  • Based on your location and community plans, make your own plans for evacuation or sheltering in place.
  • Become familiar with your evacuation zone, the evacuation route, and shelter locations.
  • Gather needed supplies for at least three days. Keep in mind each person’s specific needs, including medication. Don’t forget the needs of pets.
  • Keep important documents in a safe place or create password-protected digital copies.
  • Protect your property. Declutter drains and gutters. Install check valves in plumbing to prevent backups. Consider hurricane shutters. Review insurance policies.

When a hurricane is 36 hours from arriving

  • Turn on your TV or radio in order to get the latest weather updates and emergency instructions.
  • Restock your emergency preparedness kit. Include food and water sufficient for at least three days, medications, a flashlight, batteries, cash, and first aid supplies.
  • Plan how to communicate with family members if you lose power. For example, you can call, text, email or use social media. Remember that during disasters, sending text messages is usually reliable and faster than making phone calls because phone lines are often overloaded.
  • Review your evacuation zone, evacuation route and shelter locations. Plan with your family. You may have to leave quickly so plan ahead.
  • Keep your car in good working condition, and keep the gas tank full; stock your vehicle with emergency supplies and a change of clothes.

When a hurricane is 18-36 hours from arriving

  • Bookmark your city or county website for quick access to storm updates and emergency instructions.
  • Bring loose, lightweight objects inside that could become projectiles in high winds (e.g., patio furniture, garbage cans); anchor objects that would be unsafe to bring inside (e.g., propane tanks); and trim or remove trees close enough to fall on the building.
  • Cover all of your home’s windows. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8” exterior grade or marine plywood, cut to fit and ready to install.

When a hurricane is 6-18 hours from arriving

  • Turn on your TV/radio, or check your city/county website every 30 minutes in order to get the latest weather updates and emergency instructions.
  • Charge your cell phone now so you will have a full battery in case you lose power.

When a hurricane is 6 hours from arriving

  • If you’re not in an area that is recommended for evacuation, plan to stay at home or where you are and let friends and family know where you are.
  • Close storm shutters, and stay away from windows. Flying glass from broken windows could injure you.
  • Turn your refrigerator or freezer to the coldest setting and open only when necessary. If you lose power, food will last longer. Keep a thermometer in the refrigerator to be able to check the food temperature when the power is restored.
  • Turn on your TV/radio, or check your city/county website every 30 minutes in order to get the latest weather updates and emergency instructions.

Survive DURING

  • If told to evacuate, do so immediately. Do not drive around barricades.
  • If sheltering during high winds, go to a FEMA safe room, ICC 500 storm shelter, or a small, interior, windowless room or hallway on the lowest floor that is not subject to flooding.
  • If trapped in a building by flooding, go to the highest level of the building. Do not climb into a closed attic. You may become trapped by rising flood water.
  • Listen for current emergency information and instructions.
  • Use a generator or other gasoline-powered machinery outdoors ONLY and away from windows.
  • Do not walk, swim, or drive through flood waters. Turn Around. Don’t Drown! Just six inches of fast-moving water can knock you down, and one foot of moving water can sweep your vehicle away.
  • Stay off of bridges over fast-moving water.


  • Listen to authorities for information and special instructions.
  • Be careful during clean-up. Wear protective clothing and work with someone else.
  • Do not touch electrical equipment if it is wet or if you are standing in water. If it is safe to do so, turn off electricity at the main breaker or fuse box to prevent electric shock.
  • Avoid wading in flood water, which can contain dangerous debris. Underground or downed power lines can also electrically charge the water.
  • Save phone calls for emergencies. Phone systems are often down or busy after a disaster. Use text messages or social media to communicate with family and friends.
  • Document any property damage with photographs. Contact your insurance company for assistance.

Why Choose an Independent Insurance Agency?

Reasons why Independent Agencies are better

1. Customer Service – If you have coverage questions or worse, need to report a claim, would you rather reach an automated recording or an actual person when you call your insurance provider? More and more companies have switched to automated systems, often making it difficult and time consuming to reach the right person. However, at many independent insurance agencies, an actual person will still greet and assist you. In the unfortunate event of a claim, your agent can help you report the claim as well as explain what exactly your policy covers. If you’ve experienced a significant loss, such as water damage to your business, your insurance agent can help you there as well, connecting you to a reputable remediation company right away.

2. Personal Shoppers – Working with an independent insurance agent can be compared to having a personal shopper. Similar to the way in which a real estate agent sorts through properties to help you find your ideal home, an insurance agent reviews many different insurance companies’ rates and coverage options to help you secure policies that best suit your needs. You may believe that this comes at an additional cost to you, but independent agents do not add extra charges to insurance companies’ rates. So you can choose to work with an independent agent, who will handle your coverage needs, assist you with claims reporting and answer any questions you may have, from billing issues to coverage concerns, always advocating on your behalf, at no additional cost to you.

3. Community Involvement – In addition to assisting you, many independent insurance agents also actively help your local community. As local business owners, many insurance agency principals place a strong emphasis on giving back to the community. From sponsoring fundraisers and donating to local charities, to volunteering and serving as board members for non-profit organizations, there are many ways you may witness your local insurance agents giving back to the community, which can make you feel confident about your decision to do business with them.

4. Local Knowledge – It can be rewarding to witness your insurance agent supporting the community, but another local benefit you may not think of is your agent’s knowledge of your community. As local residents, many insurance agents have lived in your area for years and use their knowledge of the community to help you better reduce your risks and protect your assets. For instance, would an insurance company in the South be as familiar with New England’s high water tables in the spring that increase flood risks? If not, this provider may not be as likely to recommend basement water coverage, which is typically not included in a standard policy. Similarly, many independent agents will provide you with seasonal tips.

5. Understanding – Independent insurance agents understand that insurance can seem complicated and confusing, especially when you don’t deal with it on a daily basis. For this reason, your insurance agent will work to ensure that you fully understand your coverage, from what is and is not included, to the deductibles and limits you should carry. After you purchase your policies, an independent agent’s work isn’t over – instead, he/she is available year-round to help answer your questions, update your policy and make coverage recommendations.

6. One-Stop Shops – At many independent insurance agencies, you can take care of all your coverage needs at once, limiting the number of different companies you deal with and helping you stay organized. For example, if you own a small business, you can likely secure commercial insurance coverage from the same agency that insures your car and home. If you’re looking for health, life, or dental insurance, whether for your family or business, many insurance agents can help you there as well.

7. Reputation – Reputation plays a crucial role in finding a company you can trust, and many independent agencies take pride in the years, if not decades, they have spent serving their local communities. Not only can a company’s many years of service speak to its well-established reputation in the community, but it can also help you feel confident about its financial stability. Although there are many different ways to obtain insurance, would you rather obtain a quote from a startup Internet-based insurance provider that advertised on television, or call a local agent who your friends, co-workers and neighbors could recommend?

8. Knowledge – When you require legal advice, you contact a lawyer, and when a health issue arises, you visit your doctor, so when you need assistance with your insurance coverage, why not rely on an industry expert? In addition to having many years of experience in the industry, independent insurance agents have also worked with many different insurance companies and are knowledgeable about their individual strengths. Although one insurance company may provide unmatched claims service, another may offer more competitive rates. Based on what’s most important to you, whether it be a company’s service, rates, financial stability or a combination of all three factors, an independent agent will find the best match for you.

9. Saving Money & Time – Insurance companies that promise to drastically reduce your rates in minutes may seem cost-effective at first, but working with an independent agent can save you money and time over the long term. Instead of providing you with an instant rate, independent agents will ask questions and take the time to familiarize themselves with your business to ensure that the coverage they design will adequately protect you and your assets in the event of a claim.

10. Protection & Peace of Mind – Above all, working with an independent insurance agent will provide you with peace of mind, knowing that when you save money on your insurance, it won’t come at the expense of comprehensive coverage. When it comes to protecting your home, family, business and other invaluable assets, relying on an independent agent you can trust is a great place to start.

Content written by Acadia Insurance Company

Content written by Acadia Insurance Company

Walls Insurance: Summer Car Hacks

We all know how dirty cars become during the Spring and Summer transition. Everything from Pollen to muddy dogs(and kids), keep our new and/or old gas guzzlers from being pristine. Here are some of our favorite hacks to help keep the inside of Ol' Bess clean. (Hover over each picture to find out more!)

1. Do It Yourself Trash Bin

This particular one is made from a cereal container and a trashcan, which works great too!

This particular one is made from a cereal container and a trashcan, which works great too!

This is one of my favorites. I actually have one of these in my car. What I used was a desk trash can and some Velcro strips, to keep it fastened to my cars carpet, and put it behind my center console(back seat, on floor). Keeps the balled up receipts out of your cup holder and the granola wrappers off your floor.

2. Food Holder

This food caddy is made from a painter's tray, will run you about 60 cents from your local hard ware store!

This food caddy is made from a painter's tray, will run you about 60 cents from your local hard ware store!

During those long road trips and limited amount of time, you always end up having to go through a drive through. Create a little food caddy for your kids to make it easier for them to eat and to keep the mess off your seats! This food caddy is made from a painter's tray, will run you about 60 cents from your local hard ware store!

3. Cup Holder Protector

All this takes is adding three layers of cupcake liner to the inside of your cup holders. This allows for easy cleaning and ensures that you won't have to scrape dirt and goo out of the deep, hard to reach corners in your cup holders.

4. Over the Seat Organizer

One shoe divider runs for about 9 dollars. (Cut it in half and you have enough room for both seats)

One shoe divider runs for about 9 dollars. (Cut it in half and you have enough room for both seats)

 These over the seat organizer provide no excuse for things being left on the floor or on the seat. These are made from shoe dividers 

5. Dog Hammock

Really all you need is some felt (or an old quilt) that would run you less than ten dollars (depends on back seat size) and something to fluff it with. Note: this requires a bit more creativity and craftsmanship (and a little bit of patience)

Really all you need is some felt (or an old quilt) that would run you less than ten dollars (depends on back seat size) and something to fluff it with. Note: this requires a bit more creativity and craftsmanship (and a little bit of patience)

Obviously you have to have a furry friend for this one. This hammock allows your pet to be comfortable and keeps all the hair off the seats! (Not recommended for child use)




                                                      "Protecting What Matters Most"

                                                      "Protecting What Matters Most"

Written by: Jami Kidder-Walls