Protecting What You’re Most Thankful For

Each year in November, we take a moment to step back and count our blessings, recognizing the many things we are thankful for. We move about our busy lives, but rarely do we stop to “smell the roses” and practice gratitude.

One of the things that I am most thankful for is my family and the ability I have to provide and care for them.

That’s why I have life insurance coverage to protect them in case the unthinkable happens.

While talking about this difficult subject is not a conversation that many people are eager to have, I want to encourage you this Thanksgiving to have a conversation with us if Life Insurance is not currently a part of your Insurance portfolio.

In the event of a tragedy, having life insurance can do some pretty amazing things for your family:

  • It can buy loved one’s time to grieve.
  • It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate.
  • It can keep families in their homes.
  • It can fund a child’s college education.
  • It can keep a family business in the family.
  • It can provide a stream of income for family to not stress about expenses.

Covering your family’s well-being with life insurance is one of the most crucial insurance policies to own.

Most families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones. We do not want this to happen to you! We are here to answer any questions you might have and guide you to the coverage that is right for your family.

Call our office TODAY to discuss how we can help you and your family prepare for the future.

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October is National Breast Cancer Awareness Month

Each year, October is recognized as National Breast Cancer Awareness Month.

Breast cancer awareness is an effort to raise awareness of breast cancer and reduce the disease’s stigma by educating people about its symptoms and treatment options. Supporters hope that greater knowledge will lead to earlier detection of breast cancer, which is associated with higher long-term survival rates, and that money raised for breast cancer will produce a reliable, permanent cure.

Most all of us know someone, a mother, aunt, sister, or friend, who has battled breast cancer. Breast cancer is a disease that reaches many of us on a personal level and we have a special interest in fighting this disease.

It is critically important that we support this cause and do what we can to raise awareness for breast cancer.

For more information about breast cancer, including how you can show your support, visit the National Breast Cancer Foundation website at www.nationalbreastcancer.org.

Did you know…

  • The older a woman, the more likely she is to get breast cancer.
  • Men can get breast cancer. Out of every one hundred cases of breast cancer, one will occur in a man
  • Breast cancer is the second leading cause of cancer death for women in the U.S, after lung cancer
  • The National Cancer Institute estimates that a woman in the United States has a 1 in 8 chance of developing invasive breast cancer during her lifetime

Call Our Office Today for Information About Breast Cancer Insurance.

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Changing Seasons

September is one of my favorite months. Maybe it’s the fighting spirit inside me, but I like to root for this ‘underdog’ month. Think about it…September is the month right before all the major holidays start, and I think September doesn’t get the attention it deserves.

The heat of summer staves off and we welcome fall. After the hot summer we’ve had, I’m ready for there to be a bit of a chill in the air. If you’re a fan like me, you’ve likely been counting down the days until football season, which is finally here! Leaves may be starting to change colors or fall from the trees. I think many parents enjoy September most of all (if their kids are back in school!) Parents, if you have teenage drivers going back to school who will be driving for the first time, make sure you’ve got the proper coverage to protect your family. Let us review your current coverage and make sure you’re properly protected.

There is one pretty neat thing that happens in September that you might not know about. You might remember from grade school that each equinox and solstice we experience is an astronomical event, caused by Earth’s tilt on its axis and orbit around the sun. We have an equinox twice a year – spring and fall – when the tilt of the Earth’s axis and Earth’s orbit around the sun combine in such a way that the axis is inclined neither away from nor toward the sun.

Additionally, we have a solstice twice a year – summer and winter – when the sun reaches its highest and lowest points in the sky.

When we experience the September Equinox on September 22nd, Earth’s two hemispheres will be receiving the sun’s rays equally. How’s that for a science lesson from an unlikely source?

I hope that you enjoyed a fun-filled summer with your family and are enjoying all that the changing of seasons brings.

Wishing you all the best this fall!

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Our Agency Will Help You Protect What Matters Most

I recently heard a story from a friend of mine who is also an Insurance Agent. I wanted to share it with you to help stress how critically important having the proper Life Insurance coverage for your family is.

Last spring, tragedy hit very abruptly. My friend’s agency had quoted a customer and his family for a Life Insurance policy that would have cost them less than what an average cup of coffee costs per day. The husband had come to the agency to talk about increasing his Life Insurance coverage (he already had a very small policy through his work in place, but not sufficient to fully protect his family), but decided he needed to wait and speak with his wife about the decision first.

That was a Wednesday morning. Saturday afternoon the husband was driving, and his car was hit by an oncoming driver who crossed the center line on a two-lane road. He was killed instantly, unexpectedly, and of course, very tragically.

As a result of all the family’s bills and costs after the husband’s death, on top of losing her husband and children’s father, the wife was forced to sell her home to get an apartment. The children were taken out the school they had always gone to, leave all their friends behind, and move across town. Not to mention, going from a stay-at-home mom to a full-time worker for the first time in years, as the husband had been the family’s only breadwinner. Stories like this one do not have happy endings, nor do they have the financial stability to allow the family to properly grieve and try to continue living their lives as normally as possible after their loss.

While it is easy to overlook, life insurance is an absolute necessity to protect yours and your family’s financial future. Life insurance is a necessity that you need today to help you prepare for tomorrow. In the event of a tragedy, life insurance can help make an extremely difficult time just a little bit easier, giving your loved ones the financial security, they will need.

Your family can use a life insurance payout to cover your mortgage or other routine bills that may burden your family while they recover from the loss. It can also help finance the future needs of your family, stepping in to cover the costs of college or your spouse’s retirement.

Even if you already have a life insurance policy, please consider reviewing your coverage this month to ensure that you have the proper policy for yours and your family’s needs. Many big life events, such as having children or buying a home, can affect your life insurance needs, and we’re here to help make sure you’ve got the protection you need, no matter what life throws your way.

September is Life Insurance Awareness month so give us a call or come by the office this month to make sure you have the proper insurance you need to protect yourself and your loved ones.

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Changing Seasons

September is one of my favorite months. Maybe it’s the fighting spirit inside me, but I like to root for this ‘underdog’ month. Think about it…September is the month right before all the major holidays start, and I think September doesn’t get the attention it deserves.

The heat of summer staves off and we welcome fall. After the hot summer we’ve had, I’m ready for there to be a bit of a chill in the air. If you’re a fan like me, you’ve likely been counting down the days until football season, which is finally here! Leaves may be starting to change colors or fall from the trees. I think many parents enjoy September most of all (if their kids are back in school!) Parents, if you have teenage drivers going back to school who will be driving for the first time, make sure you’ve got the proper coverage to protect your family. Let us review your current coverage and make sure you’re properly protected.

There is one pretty neat thing that happens in September that you might not know about. You might remember from grade school that each equinox and solstice we experience is an astronomical event, caused by Earth’s tilt on its axis and orbit around the sun. We have an equinox twice a year – spring and fall – when the tilt of the Earth’s axis and Earth’s orbit around the sun combine in such a way that the axis is inclined neither away from nor toward the sun.

Additionally, we have a solstice twice a year – summer and winter – when the sun reaches its highest and lowest points in the sky.

When we experience the September Equinox on September 22nd, Earth’s two hemispheres will be receiving the sun’s rays equally. How’s that for a science lesson from an unlikely source?

I hope that you enjoyed a fun-filled summer with your family and are enjoying all that the changing of seasons brings.

Wishing you all the best this fall!

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Back to School in 7 Easy Steps

It’s school time again! You’re probably feeling excited and maybe a little sad that summer is almost over.

Some kids feel nervous or a little scared on the first day of school because of all the new things: new teachers, new friends, and maybe even a new school. Luckily, these “new” worries only stick around for a little while.

Here are seven tips to keep in mind to help keep things running smoothly.

     

  1. Get a Grip. Your relationship with your children has a great effect on them. It’s important not to act overwhelmed about the return to school. Build in extra time, put extra projects on hold, stay rested, and try to spend more time with your kids.
  2. Don’t Completely Clean the Slate. While change is good, be careful about overdoing it. Too much too soon can make any child complain. Focus on getting comfortable with a school schedule and revisit other issues after you and your kids feel more settled.
  3. Be Reassuring. Be sure to listen to your child’s worries and don’t minimize or dismiss them. These fears are real to your child.
  4. Set the Stage. Shopping for supplies and clothes should be fun, but overdoing this can be boring and a little scary to kids. Be sure to take it slow. You should also try and set aside a space for homework, so your child can have a place that is quiet and comfortable for them.
  5. Meet the Teacher. When parents and teachers have regular discussions about school or home events, kids feel a more trusting connection with the school as a whole and tend to try harder both socially and academically. Most good schools would rather know sooner than later if you are worried about your child’s school experience.
  6. Set Homework Ground Rules. Be sure to set some ground rules for homework. Set aside a certain time each day for your child to do their homework. Depending on your child’s schedule, you may have to set homework time before or after you eat in the evening. Just be sure to remember that regularity is key.
  7. Watch for Signs of Frustration. No learning can take place if your child is angry or upset. Pay attention to your child and step in if it looks like they’re getting frustrated over homework or school.

In the end, the most important tool you can use is to know your own child. Observe the situation, but also try to keep it all in perspective.

For most kids, back-to-school jitters will melt away as easily as summer slips into fall.

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Tips to Know Before Exploring the Great Outdoors

During this time of year, many of us are spending a lot of time outside, and summer is particularly enjoyable for hiking and camping.

One real risk you face in spending an increased amount of time outdoors or in wooded areas is encountering what I like to call “problem plants”, such as poison ivy, oak, and sumac.

While coming into contact with any of the three wouldn’t be any fun, in case you do, knowing the signs of irritation and what to do if affected are very important.

Go online and research what each of the plants look like and where they are commonly found if you plan on spending much time outdoors. A great resource is the American Academy of Dermatology’s website at www.aad.org.

If you come in contact with poison ivy, oak, or sumac, the irritated skin will be red, swollen, and itchy. In severe cases, small blisters can crop up, and clear fluid may seep from the skin.

What to do if you get poison ivy, oak, or sumac …

  • Do not scratch or rub the inflamed skin. Compresses of cool, clean water can be soothing. Aspirin and similar pain relievers can reduce pain.
  • Steroid ointments will speed healing. Mild preparations such as hydrocortisone are available over the counter, stronger medications by prescription. If you have a severe case, your doctor may prescribe a steroid pill such as prednisone.
  • Remember that the best treatment is prevention.

Stay out of the way of these problem plants and keep your summer a happy, healthy one.

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Is Umbrella Insurance Right for You?

Have you ever worried what would happen if you got in an accident and got sued for thousands or even a million dollars, a lot more than your coverage offers?
 
How would you pay the difference?
 
How would you be able to survive?
 
You would be wiped out financially and lose everything.

Getting an umbrella policy is the answer to your worries. An umbrella policy would ensure that you are covered completely.
 
Many people with major assets do not buy the extra coverage or do not buy enough, while many others do not know about umbrella policies at all. Umbrella policies are something that you need. Plus, adding one to your current insurance package is so inexpensive that it’s a real no-brainer.
 
You’re probably wondering just what umbrella coverage is.
 
These policies do exactly as the name implies. They’ve got you covered by providing excess liability coverage, an extension coverage of your current home and auto insurance. It takes care of your liability for the lawsuits and medical bills of things like an auto accident victim, or an accident that takes place on your property.
 
Umbrella coverage is a serious and vital part of any insurance protection package. Always remember that accidents can happen to you; they happen to people all the time.
 
If you don’t have an umbrella policy, call or come by the office to learn more about what an umbrella policy can do for you. If you don’t have this policy, then you’re not covered in areas that could potentially wipe you out. And if you do have it, make sure that you have recently updated your assets with us so that we can ensure your current coverage is enough.
 
If an accident happens, the last thing you want to worry about is whether you’re insured or not. Come talk with us about umbrella policies. Let us give you the peace of mind that comes with knowing that you’re covered completely, no matter the situation.

Call Our Office Today for more information about how adding an Umbrella Policy to your Insurance Portfolio can guarantee your protection, no matter what.
 

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Boating Safety

In addition to watching out for other boaters, docks, and shallow water, boaters need to be on the lookout for submerged items that hover close to the surface due to lower water levels. Whether you own a fishing vessel, runabout, personal watercraft or a pontoon boat, boaters should look at their marine insurance policies to assure proper coverage for property damage and liability. Items on boats that should be covered include GPS tracking systems, fish finders, fishing equipment, life jackets, and other personal property left on the vessel.

The U.S. Coast Guard and the National Safe Boating Council recommends that boaters:

  • Take a boating education course. We may be able to offer a discount to boaters who have successfully completed qualifying boating courses from groups such as the U.S. Coast Guard, U.S. Coast Guard Auxiliary, and U.S. Power Squadron.
  • Wear life jackets as a rule. Most laws require having U.S. Coast Guard-approved life jackets on board your vessel for all passengers.
  • Do NOT mix drinking and boating.
  • Know the weather and water conditions.
  • File a float plan. Give the information to a friend or relative who can call for help if you do not return as scheduled.
  • Observe the nautical “rules-of-the-road”, including speed limits.
  • Get a courtesy vessel safety check.
  • Report emergencies via Ch. 16 on a marine VHF-FM radio.
  • Do NOT discharge oil, trash or sewage into the water.
  • Properly insure the boat and make sure it has sufficient coverage.

 

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Summertime Safety Tips

Summertime revolves around things like grilling, fireworks, camping, and lazy afternoons in the hot sun. Also, it can mean burns from grills and fireworks, plus bug bites!

Let’s focus on barbecuing… There is nothing better than burgers and hotdogs right off the grill right? Well, grills are more dangerous than you might think. According to Consumer Reports, over 5,000 people went to the emergency room in 2018 due to grill related injuries.

Here are a few tips that could help keep YOU out of the Emergency Room:

  • Never grill in an enclosed area. Keep your grill in an open area.
  • If cooking with charcoal, never spray the grill with lighter fluid after the fire is lit. Flames can follow the fluid back to the container in your hand.
  • Keep the grease pan empty. Grease catches on fire and can cause flare-ups.

Since summer is here, mosquitoes, ticks, horseflies, bees, and wasps are out in full force… AND don’t underestimate the little bugs; according to MSNBC, over 500,000 people end up in emergency rooms each year with potentially fatal allergic reactions.

How can you have fun outside without getting eaten alive?

  • Think bug spray. If you’re uncomfortable with the chemicals used in traditional bug spray, there are several organic brands with natural ingredients.
  • MSNBC suggests spreading a 3 foot layer of wood chips between your yard and the woods. Ticks normally won’t cross the chips and will stay out of your yard.
  • Be sure there is no standing water in your yard (including gutters). Standing water is a breeding ground for mosquitoes.

And finally, fireworks! Who doesn’t love fireworks? They may be fun but they are dangerous.

According to the Center of Disease Control, 2018 saw over 12,900 people in the emergency room over firework related injuries. There were 8 deaths.

Fireworks are a great addition to any celebration, but it’s vital that you use them safely.

Here are a few tips you can use:

  • The CDC Reports that more injuries occur with sparklers than rockets. Surprised? I sure was. Watch children carefully when they are using sparklers and never light or combine more than one at a time.
  • Never try to re-light a firework that doesn’t go off. It is recommended that you wait 20 minutes, then soak it in a bucket of water.
  • Always have a fire extinguisher or bucket of water close by in case of emergency.

With all the exciting things that we can do during the summer months, it’s no surprise that accidents increase, but all it takes is a little prevention to dramatically lower our risk.

 

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