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Month: July 2014

Posted on Categories Life, Personal, Theme 100, Theme 63Leave a comment on How Much Life Insurance Do I Need?

How Much Life Insurance Do I Need?

In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals. If you have dependents, buy enough life insurance so that, when combined … Continue reading “How Much Life Insurance Do I Need?”

Posted on Categories Life, Personal, Theme 63Leave a comment on What Are The Principal Types Of Life Insurance?

What Are The Principal Types Of Life Insurance?

There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life. … Continue reading “What Are The Principal Types Of Life Insurance?”

Posted on Categories Commercial, Personal, Specialty, Theme 118, Theme 21, Umbrella

Social Host Liability

Be a Responsible Host When It Comes to Serving Alcohol at Parties Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home, if you are planning to serve alcohol at any type of party it is important to take steps to limit your liquor liability and make … Continue reading “Social Host Liability”

Posted on Categories Commercial, Personal, Specialty, Theme 118, UmbrellaLeave a comment on Holiday Party Etiquette: A Good Host Is a Responsible Host When It Comes to Serving Alcohol

Holiday Party Etiquette: A Good Host Is a Responsible Host When It Comes to Serving Alcohol

 Thanksgiving marks the beginning of holiday season and for many that means party time. But hosts who serve alcohol should take steps to limit their liquor liability and make sure they have the proper insurance, according to the Insurance Information Institute (I.I.I.). Social host liability, the legal term for the criminal and civil responsibility of … Continue reading “Holiday Party Etiquette: A Good Host Is a Responsible Host When It Comes to Serving Alcohol”

Posted on Categories Commercial, Personal, Specialty, Theme 118, UmbrellaLeave a comment on Is Your Company Hosting A Holiday Party?

Is Your Company Hosting A Holiday Party?

It is the holiday season, a time for office parties and charity events. While gatherings can provide opportunities for professionals to mingle casually with their co-workers and clients and can help boost employee morale, they can also prove to be a liability for businesses that serve alcohol. That is why businesses should take reasonable precautions … Continue reading “Is Your Company Hosting A Holiday Party?”

Posted on Categories Life, Personal, Theme 23, Theme 63Leave a comment on How To Choose The Right Type Of Life Insurance

How To Choose The Right Type Of Life Insurance

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. You should consider term life insurance if: You need life insurance for a specific period of time. Term life insurance enables you to match … Continue reading “How To Choose The Right Type Of Life Insurance”

Posted on Categories Disaster, Events, Personal, Theme 51Leave a comment on Before An Earthquake

Before An Earthquake

The following are things you can do to protect yourself, your family and your property in the event of an earthquake. To begin preparing, you should build an emergency kit and make a family communications plan. Fasten shelves securely to walls. Place large or heavy objects on lower shelves. Store breakable items such as bottled … Continue reading “Before An Earthquake”

Posted on Categories Disaster, Events, Personal, Theme 51Leave a comment on During An Earthquake

During An Earthquake

Drop, cover and Hold On. Minimize your movements to a few steps to a nearby safe place and if you are indoors, stay there until the shaking has stopped and you are sure exiting is safe. If Indoors DROP to the ground; take COVER by getting under a sturdy table or other piece of furniture; … Continue reading “During An Earthquake”

Posted on Categories Disaster, Events, Personal, Theme 51Leave a comment on After An Earthquake

After An Earthquake

When the shaking stops, look around to make sure it is safe to move. Then exit the building. Expect aftershocks. These secondary shockwaves are usually less violent than the main quake but can be strong enough to do additional damage to weakened structures and can occur in the first hours, days, weeks, or even months … Continue reading “After An Earthquake”

Posted on Categories Disaster, Events, Personal, Theme 51Leave a comment on IN: How To Be Safe Before, During & After An Earthquake

IN: How To Be Safe Before, During & After An Earthquake

Dear Valued Customer, In this issue of the “————–” we focus on preparing for an earthquake, and what to do during and after one. Understand how to increase your preparedness: fasten shelves securely to walls and have disaster supplies on hand. Find out what to do during an earthquake, and, what to do after an … Continue reading “IN: How To Be Safe Before, During & After An Earthquake”