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Insurance Fun Facts

We don’t always want to be serious and beat a dead horse about how much we want you to have the right insurance policies and always keep them updated!

We also like fun stuff – we promise!  Check-out these super silly insurance-related facts we found on the wonderful internet – some of them might be worth your time to explore further.  The stories that go along with the facts a quite interesting and entertaining!

The Padres have signed the same handicapped ball player 20 years in row so he doesn’t lose his health insurance. San Diego has signed former left-hander Matt LaChappa to a minor league deal each year since 1996, when LaChappa suffered a heart attack while warming up in the bullpen for a Class-A game.

Top and bottom. Ugly Betty star America Ferrera had had her teeth insured by her sponsor, Aquafresh, for $10,000,000 while Jennifer Lo has insured her butt for $27,000,000.

A French man, Max Herve-George, has an insurance policy that lets him trade stocks based on last week’s prices. It has been called the stupidest contract ever signed, and may end up with him owning the insurance company.

Dolly Parton first insured her famous 40DD breasts in the 1970’s for the then princely sum of $ 600,000.

The Apollo Astronauts, unable to qualify for life insurance and not insured by NASA, resorted to ‘insurance autographs’, signing just before launch in the expectation that the value would skyrocket in the event of their deaths.

Hiding behind teeth lies the tongue, and Gene Simmons, bassist for 70’s band, Kiss, once insured his for $1,000,000.

Iran eliminated its kidney transplant waiting list by incentivizing unrelated donors with financial compensation and health insurance.

Coffee taster Gennaro Pelliccia has had his taste buds insured for $10 million by employer Costa Coffee.

Amish refuse to pay the premium or accept the benefits of social security.

No insurance company will underwrite Jackie Chan’s productions.

Hawaii has required employers to pay health insurance benefits to employees who work 20 hours or more per week since 1975.

“Lord of the Dance” Michael Flatley insured his legs for $40 million.

Japanese life insurance will pay, even if you commit suicide. One of many reasons for the high suicide rate in Japan.

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Sources:

25 Interesting Facts About Insurance

http://trafalgar-intl.com/interesting-weird-and-quite-possibly-useless-insurance-facts/

 

 

 

American Dream

How would you describe the American Dream?

By definition, it is the ideal that every citizen of the United States should have an equal opportunity to achieve success and prosperity through hard work, determination, and initiative. The terms was originally coined in 1931 by writer and historian James Truslow in Epic of America. He wrote:
“The American Dream is that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement. It is a difficult dream for the European upper classes to interpret adequately, and too many of us ourselves have grown weary and mistrustful of it. It is not a dream of motor cars and high wages merely, but a dream of social order in which each man and each woman shall be able to attain to the fullest stature of which they are innately capable, and be recognized by others for what they are, regardless of the fortuitous circumstances of birth or position.”

There are so many opportunities available to you for your own American Dream. Is what you have now what you dreamed it would be?
Regardless of the path you chose or are currently choosing in pursuit of your personal American Dream, you want to make sure you include insurance coverage and protection. For example, a big part of many people’s dream is to become a homeowner. You pinch pennies, tighten the budget, and save-save-save – finally you buy a home!!

Immediately – Get Homeowners Insurance! Homeowner’s insurance is a specific type of property insurance that protects your home against damages or to your possessions in the home. It also provides liability coverage against accidents in the home or on your property. So, if your buddy drinks a little too much, trips over your dog, and falls down the stairs – you are protected! However, ‘acts of god,’ war, aliens, earthquakes, floods, zombies, and many others are not covered and you may have to seek different policies for some of those items. You can’t just pick any homeowners policy. There are seven forms of homeowners insurance that offer various levels of protection depending on your needs. The best way to choose your level of coverage is to work with you insurance agent. They can evaluate your needs as a homeowner and recommend the best level of coverage.

There is so much more of your dream to protect than just your home. Evaluate where you are – where you are going – where you want to be – and get that insurance so your American Dream stays protected!

American Dream
American Dream

Meet Debbie.

Meet Debbie.
Debbie is going to share the story of Bob.

Bob was a man from a large family, with a lot of drive, and successful in business and at home life.
When Bob’s father died, he left his family penniless and Bob decided that he would never leave his own family in that same state of affairs. He made sure that he had insurance all of his life and was able to make it have a cash value that could be borrowed at a decent rate. This story is a real example of why it is so important to have life insurance.

Travel Time

Any time is a good time to travel. Sure, it depends on where you want to go and the weather season, but for most of us, everything from a quick getaway to an extended exotic vacation is something we love to do and can’t ever come soon enough.
You find the perfect location, plan your adventure, book the tickets, and upon check-out you are ask if you would like to purchase insurance to protect your trip.

Would you? Should you?

Often times not only do you wave goodbye to your family when departing for your vacation, but also to your insurance coverage – especially as soon as you leave the United States.
The most common items (deemed reasonable) covered by travel insurance include medical emergencies, visitor health insurance, delayed, lost, or stolen baggage, and trip cancellation/interruption (death, bodily injury, illness, disease, pregnancy complications, termination of employment, deployment, prohibition of travel to the destination, evacuation from the destination). Sometimes additional policies can be purchased for more specific needs such as pre-existing conditions, elective treatments or surgery, war, and terrorism. An added bonus of travel insurance is it is often there to help 24 hours a day/7 days a week.

So do you need it?

If you are a worrier, this might be a good way to give you peace of mind. If your trip is just a couple days domestically, you probably don’t need it. We gave you some of the pros and the type of coverage you can get, but there are also reason why you might decide not to get travel insurance. For example, you might already be covered on your current insurance, your credit card might already offer additional travel protection, or maybe you just aren’t worried about any type of loss. It all depends on the individual.

It is definitely worth the time to do some research about the coverage available and the health care services available at your destination. As always, it is better to be over-prepared.

Travel Without Worry
Travel Without Worry

Think Before You Act

I watched a report on television tonight about drugs and alcohol abuse. It wasn’t just one of those statistical reports that spouted off mindless numbers and socioeconomic causes. The show interviewed numerous different people:

Current addicts
Former addicts
People currently in rehab centers
People in hospitals due to permanent damage from substance abuse
People in jail due to killing someone because of substance abuse
Friends, family, and loved ones affected by users/abusers

I have experienced people I love go down the road of addiction. Sometimes an intervention worked and other times it didn’t. This show reminded me of that. It was painful and sad to watch, but also a major eye opener. Addiction or abuse of drugs and alcohol aren’t the only issues that plague the health and wellbeing of those closest to us. A loved one that you knew at one time could have been perfectly healthy and on the right track and the next thing you know, they have made a sudden decision that altered their life forever. While abusing drugs and alcohol is no joke, this sudden shift from the right track to the wrong one can be the unfortunate case in some many other aspects in life. It only takes one small movement or ripple to cause a massive wave in our own lives and in the lives of those around us. Sometimes we fail to look at the big picture and don’t truly understand cause and effect.

Take a minute to reevaluate the decisions you think you are going to make today or don’t be so quick to leap before looking. Your life is so much more important than that – and so much more important to those that love you than you can ever imagine.

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Doomsday – oops, Black Friday!

Happy Thanksgiving!!  Well, happy day AFTER Thanksgiving – or better known as Black Friday.

Black Friday.

The one day during the year where some people rush through the holiday family meal where they are supposedly giving thanks to/for all they have, only to go stand in line for hours to get a “deal” on items which, they more often purchase for themselves – and forgetting what it is that they were thankful for in the first place.

I am a fan of putting money into business, but unfortunately it is days like today that can sometimes bring out the worst in people.  Later this evening we will be hearing news reports about people getting in fights, trampled, or even worse.

It is sad, disappointing, and scary.

On another note, this is the perfect time to remind you that you need to either get insurance that you don’t already have (and need) or update your current polices.  There is not better day than Black Friday to make sure your car is protected during gridlock traffic around the mall, your health insurance will cover an injuries that may occur or flu bugs you pick-up while standing next to that sick lady in line, and your life insurance – well, just in case.

All jokes aside, we wish you a happy holiday weekend and season and hope you have all the insurance you need for the moments that you need it the most.

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Gobble, Gobble

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Here comes Thanksgiving!

In a few days we will all be sitting down with our favorite people (hopefully they rank among our favorites) and eat all the delicious food.  However, there are the dangers of Thanksgiving that one must be aware of (cue ominous music). For example, the classic, “Who poisoned the sweet potatoes and marshmallows?” Or, or… you know, you could accidentally get a turkey leg stuck in your throat and choke. People have been known to display extremely gluttonous behavior on this wonderfully hazardous day!

Or…

A tribe of angry Native Americans could charge into your family gathering, wielding spears packed with the wrath of centuries worth of being misunderstood and segregated, then having a holiday created in their name depicting what really happened as something worth celebrating.

We are just kidding – we hope! We just wanted to give you a laugh and a smile, but also wanted to express the importance of the various types of insurance you need to protect you during the holidays – and on all days!  Happy Thanksgiving everyone!

So Little Time

Wake. Workout. Eat. Shower. Coffee. Makeup. Hair. Coffee. Clothes. Drive. Coffee. Work, Work, Work, Work. Eat. Work, Work, Work, Work. Drive. Eat. Makeup. Hair. Clothes. Drive. Socialize. Eat. Drive. Sleep. REPEAT.  (sometimes I forget about the whole eating and sleeping thing)

That is just a ‘normal’ day. That doesn’t include my to-do list.

Life is full of schedules, activities, appointments, routines – and then some.  If you are like me, then you know that slowing down is not an option.  I am working hard to build a career for myself and attempt to have something that resembles a social and love life.  I don’t have time to stop and a read bunch of paperwork or add additional appointments to my schedule.  I don’ want to be bogged down with information that is overly technical and that doesn’t give me exactly what I need in a few short bullet points or paragraphs.  When I need to get something done, I want to do it in the most effective and efficient manner possible.  Time is the most precious commodity.  MY most precious commodity.  I don’t want it wasted.

When it comes to purchasing an insurance policy, I need to know that whether it is for auto, home, earthquake insurance, flood insurance, jewelry, renters, condo, house, life, or health insurance the entire process with be efficient, knowledgeable, and straight to the point.  With our business, online, over the phone, or in person – purchasing the insurance YOU need insurance has never been easier.  There are numerous methods to find quotes and purchase inventory – online, over the phone, thru an app, and even in person (GASP!). With so many options, there really isn’t a time excuse.  You can choose what will best fit in to your schedule. I mean, I can choose what will best fit in to my schedule.

I know the importance of having the proper insurance coverage, which means I also know I need to make the time to get it!

I am busy.  You are busy.  Let Susman Insurance Agency do the work for you, so you can use your time for that crazy-busy schedule.

Nobody Has Time For That!
Nobody Has Time For That!

Keeping Your Home Safe

Our previous blog was about protecting and keeping your children safe on Halloween.  There is something else you need to keep safe as well – your home.  Whether you stay home to hand-out candy or join your kids in the neighborhood, you still need to take steps to keep you home out of harm’s way as much as you can.  It is unfortunate that property crime increases on Halloween, but you can still try to decreases the incidences.

Start by reviewing your insurance.  You want to make sure you are covered in the event of vandalism or burglary – the two mist popular crimes on Halloween.  If something happens, you will want that policy to be updated well in advance.  You also want to review your car insurance policy. If you park your car outside, it is worth it to make sure you are protected from vandalism to your vehicle.

Don’t turn-off all your lights.  Some people do this to let other know they aren’t handing out candy.  Other do it when they leave to take the kids out.  Either way, leave a light and television on to make people think someone is home.  A couple of rings of the doorbell might be annoying, but not as much as a break-in would be.  Yes – break-ins happen all the time on Halloween, because there are so many people walking around that hardly anyone notices what is going on. KEEP LIGHTS ON!

Stay off of social media.  Announcing where you will be and when gives criminals the perfect opportunity to find you or your empty home.

We hope you have a safe and happy night!

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Trick-or-Treat Safety

Halloween will be here in three days. I remember when I was younger, I would count down the days until I would be able to show-off my costume at school and then spend the evening filling a pillowcase with candy from the house around my neighborhood. While Halloween doesn’t seem to be the same huge event as it was during my day, there are still tons of families that celebrate and take their children trick-or-treating. Now, more than ever, it is important to plan ahead and keep you children safe and always have a chaperone.

You can protect your children and allow them to have fun by starting with a safe costume that fits. Make sure it has some sort of reflective capabilities so it can be seen a night – especially by drivers. You always want to opt for face paint over a mask and make sure your child can see clearly. For extra safety, have everyone carry a flashlight.

While walking the neighborhoods, always cross in the appropriate areas and look both ways – multiple times. Make sure kids stay on the sidewalks or walking paths and consider putting a temporary ban on all electronic devices to keep eyes and heads up and alert.

If you opt to drive through the neighborhood, stay off your phone and watch the road. Children can be unpredictable and dart into the street at any time. Go slow and use hazards if needed. Drive on the correct side of the road and avoid blocking any entrances or exits.

It is VERY possible to be safe and have a great time!

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