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Love Your Heart

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Love Your Heart

February is quickly approaching and it’s American Heart Month!

While the month is close to being over, thoughts of forgetting about heart health should be far from your mind. After all, there is a direct link between your heart health and your life insurance coverage.

Did you know that heart disease is the leading cause of death for both men and women?
To better underst and the status of your current heart condition, first schedule an appointment with a medical professional. It is always best to know the medical facts first. After your doctor visit, consider making the following changes:

1. Increase or add exercise to your daily routine
2. Cook heart-healthy meals and avoid BAD FOODS
3. Stop smoking
4. Underst and the medication that you take and learn how it affects your heart
5. Avoid high-stress situations

That list can go on and on, but the one item that the majority of the people seem to have questions about concerns a heart-healthy diet.

Take the following advice under consideration:
1. Plan a healthy menu ahead of time and only buy food for those meals
2. Always control portion size. Use smaller sizes of plates and bowls, eat slowly, and never stuff yourself. Eat larger portions of smaller calories/healthy foods and smaller portions of high calorie foods.
3. Limit how much bad fat you consume
4. Load up on vegetables and be careful about eating too much fruit
5. Choose whole grains
6. Add more fiber
7. Eat proteins that are lower in fat
8. Dramatically reduce your sodium intake
9. Be careful about which condiments you use – READ LABLES
10. There is no such thing as a cheat day!
11. Allow yourself to have a treat (not every day), but don’t go overboard

Don’t forget that while February focuses on heart health, there are still eleven other months in the year where you should be treating your heart with as much love as possible. Changes in lifestyle, diet, and exercise can help make your heart the strongest it has ever been. Commit now to a healthy lifestyle that includes preventative measures to keep your heart healthy, your life long, and your premiums low.

The More You Know

Insurance can be one of the most confusing items in your life – but it shouldn’t be. If you know what questions to ask and can find someone to give you the right answers, you will find all the clarity you need. Here are some things we think you should know or ask in regards to various types of insurance:

What type of insurance do I need?
Once I have guaranteed replacement coverage for my home, do I need anything else?
If I have a home office/business, do I need any special insurance?
Does homeowner’s insurance cover me if, say, someone slips on my front steps, breaks a leg and sues me?
How do I decide the amount of coverage I want or need?
How much or how little is covered?
Should I just let the bank pick my policy?
How do I know if an item needs additional coverage?
Are all accidents in my home covered?
What discounts do I get if I have added safety features?
Is coverage for legal assistance included?
Is car insurance an absolute must?
What about life insurance?
How can I figure out how much life insurance I need?
Can I control the cost of coverage?
Does health insurance help if I’m sick or injured and laid up for a while?

There are so many other questions and items to consider for all of the various insurance you may need. We can answer all of those questions for you and give you the knowledge and control to enable you to make the most informed decisions.

The More You Know
The More You Know

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

Yes, You NEED Car Insurance

Have you ever been in a car accident? I have.
Luckily, I have never been at fault, but unfortunately, I have been hit more than once by a driver that didn’t have insurance.

Imagine this scenario:
You are the first car at a complete stop at the red light of a major intersection. While listening to your favorite radio station and waiting for the light to turn green, SMASH!
You get rear-ended.
The driver behind you was busy looking at a text on his cell phone and didn’t realize he needed to actually stop his car prior to hitting you.
Once the realization of the hit and whiplash registers, you step out of your car. There is severe damage to your vehicle, yet barely a dent to his. Of course. You start the process of exchanging information, but notice that he starts to get really uncomfortable. Clearly, he doesn’t have proper car insurance. In fact, he admits that he doesn’t have any auto coverage.

Car insurance is important and necessary.
Why?
To start, it is the law. Most states require that all drivers carry minimum liability coverage. Driving without insurance means you are breaking the law and if you get caught, it can result in substantial fines, increased insurance premiums, and even a suspended license. Outside of it being the law, your vehicle is a very important part of your life. They are an expensive investment that need protecting. You would probably have a very hard time functioning without your car. Cause an accident and be at fault – it could get so expensive that you can’t afford your other bills and worst-case scenario, have to file bankruptcy. Making a small monthly payment toward your total premium now, can save you a ton of money later on. HUGE expenses can results from being in a car accident. With over 6.5 million car accidents happening every year in America alone, you need the coverage for you, the car, the passengers, and property. It provides peace of mind knowing that you are financially protected and have the assistance of an insurance agent to help you through the claim process.

Do you still need other reasons?
Your car insurance provides a level of legal protection between you and other drivers that wouldn’t hesitate to sue you for even the most ridiculous reasons.
It also offers protection from the nasty acts of Mother Nature. Hail, flood, icicles piercing your windshield, swept up by a tornado, etc.…you really want to have that coverage in case Mother Nature strikes!
Bottom line – ALWAYS HAVE CAR INSURANCE!

YIKES! Got Car Insurance?
YIKES! Got Car Insurance?

New Year Update

As humans, people, consumers, etc… We love to constantly update our life status, as well as be up-to-date on the latest and greatest. It can be the newest cell phones, techno-gadgets, movies, and fashion – whatever. We like to appear to our social universe as being interesting, exciting, fresh, and new. It is a competition of who can post and update first or who can get the newest ‘it’ item. Nobody wants to finish last or be left behind. It is all about the update!

Do you know what else needs to be updated?
Your insurance policies.

The start of the year is always a good time to review all of your polices and make any necessary changes. However, it is almost entering the third month of the year – have no fear! There is still plenty of time to update, but don’t procrastinate.
I know a woman that updates her policies almost a dozen times per year. She is always reviewing coverage to ensure that it matches with her current coverage needs and lifestyle. Marriage, divorce, children, pets, change of job, business ownership, and health – all of these events create a change in insurance policies. She consistently updates, because she knows that as life goes through changes, the amount and type of coverage for each policy must also change.

Have you made any major purchases? Save your receipts and educate yourself on inflation and exchange rates (for items purchased overseas) and how those might affect the value of your items and the replacement value as well. On the other side, be aware of insured items that have potentially depreciated. You don’t want to be paying a ton of extra money for being over-insured.
Did you do any major home renovations? Added solar panels? Updated your security system? Yes – you need to update!

Don’t get discourage or confused and feel like you have to go at this alone. Yes, there is plenty of information you can find on the internet, but our recommendation is to contact your agent and allow them to assist. Updating isn’t a difficult process, but it is an important one that deserve a lot of attention to detail. The right changes can save you money – now and in the future.

NOW might be a good time to review and update all your policies and make sure everything is still in alignment with your lifestyle. Then you can be the first among your friends to brag and update your social status!

Update NOW!
Update NOW!

We All Need a Doctor At Some Point

What are the chances you will get sick soon?  We all need to see a doctor at some point, which means we all need health insurance.  When searching for health insurance coverage, make sure you know your options.  Underst anding the different types of policies is extremely important and can affect the amount you pay and the type of coverage you receive.  It now goes WAY beyond just in or out of network.  Purchasing the cheapest or even the most expensive policy isn’t always the best idea either.

If you aren’t currently employed or have very little money, there are still some affordable health insurance options available:

  • COBRA – Consolidated Omnibus Budget Reconciliation Act
  • Workers’ Compensation
  • Medicaid
  • Medicare
  • The Health Insurance Marketplace for Pre-Existing Conditions
  • Short Term Health Insurance Coverage
  • Group Insurance from Organization Memberships
  • Group Health Expenses Sharing Plan
  • Health Care Sharing Ministry
  • Health Insurance Discount Cards

 

If you are looking to lower your insurance costs, it is important to remember the following things:

There are alternatives to buying individual health insurance

Know what you need and can afford

  • Make sure you plan has these essentials: Outpatient care
  • Emergency room visits
  • Inpatient care in a hospital
  • Care before and after your baby is born
  • Mental health and substance abuse services
  • Prescription drugs
  • Lab tests
  • Preventive services

Compare ALL plans and costs

Shop around

Pick the plan that best meets your individual healthcare needs.

Susman Insurance has a group of health insurance professionals to help you find the perfect policy and the most affordable price.  Please contact us as soon as possible so we can get you covered.

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Protecting What’s Valuable

When you look down, so you see a beautiful, sparkling diamond on your finger? Perhaps there is an amazing piece of jewelry hanging around your neck? Maye you have heirloom earring that always catch everyone’s attention? How about one-of-a kind fur coat, silver serving utensils, or unique patterned china?

Maybe your most prized possessions differ from that list, but regardless of what they are, they need to be insured. I am sure you would be devastated to lose any of those items, but knowing you have at least some protection will provide you with HUGE piece of mind.

Don’t just consider getting valuable items insurance – actually get it!

Okay – you might be thinking to yourself that you already have homeowner’s insurance and/or renters insurance. That is great and you should have those policies, but often times even those policies have limits on coverage – especially if there is theft.  A major dispute can erupt between you and the insurance company if your home gets damaged and the property inside, including the valuables, aren’t properly documented and inventoried.  While you can’t replace one-of-a-kind items, there is still opportunity for you to receive some sort of financial payout for the valuables lost.

This type of insurance offers additional protection for your most valuable possessions – diamond rings, fin art, collections, and more. The coverage provides the protection you need if there is loss through theft, accident or natural disaster. There is usually some type of coverage for such items offered for personal property under the typical homeowner’s policy.  However, that inclusion to the basic policy may not cover some types of loss that may be important to you. Most homeowner’s policies set dollar limits on the amount of protection offered.  It is optional to you to get add-on coverage to the homeowners and exp anded protection for special property.

You can get Floater Insurance – A type of insurance that covers property that is easily movable and provides additional coverage over what normal insurance policies do not. This can cover anything from jewelry to expensive equipment.  You can also look at getting Blanket Insurance which is a single policy on an insured property that covers more than one type of property at the same location, the same kind of property at more than one location, or two or more kinds or property at two or more locations.

If you still feel like your valuable items aren’t protected enough, then you need to seriously speak to your insurance agent (SUSMAN!) about getting a specific policy for those items.

Protect Your Valuables
Protect Your Valuables

Stop Seeking Clarity – It’s Right Here

Insurance.

Simply defined, it is:

  1. a :  the business of insuring persons or property
  2. b :  coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril
  3. c :  the sum for which something is insured
  4. 2 :  a means of guaranteeing protection or safety <the contract is your insurance against price changes>

(Merriam-Webster, 2016)

Again, that is just the simple definition.

For some of us that is just a bill we automatically pay each month or a deduction that comes immediately out of our paychecks.  For others, it is a lifeline and security for the future.  For all of us, it is extremely important.

Sometimes it is difficult to know which policy is the right policy.

Do you have what seems like endless questions regarding insurance coverage?

You are not alone.

You are not the only person to wonder about the who, what, when, where, why, and how?

Who needs insurance?  Who do I talk to about coverage?

What are the types of insurance?  What do I need to do to get insured?  What will it take to get the coverage I need?  What are the best rates?

When do I need to get life insurance?  When will my policy become active?

Where do I find a reliable insurance broker?  Where can I compare rates?  Where is my money going?

Why is insurance so important?

How much is insurance?  How do I know I will be approved?  How long before my coverage begins?

The questions seem endless and it all can be so confusing.

However, the right insurance agent already has the answers and can take the infinite list and narrow it down to just a few simple statements.  Education is the key to choosing the right policy/policies for you and your loved ones.  The types and varieties of insurance policies are almost infinite.  They include different features, coverage, and most definitely, costs.  It takes a certain amount of research – and patience – to find the right policies.  This is not something that you can go into blindly or just haphazardly sign on the dotted line without being completely educated.  The best thing to do is NOT go at it alone.  Yes, spend the time educating yourself, but also invest in partnering with an insurance agent – that you trusts and make you feel comfortable.  This partnership can last a life time and greatly decrease the amount of confusion and stress that can surround the purchasing of various insurance policies.
A competent and successful independent insurance agent can and will provide you with clarity, information, quotes, and a policy.  Please contact us today.  We have all of your insurance needs covered.

Time to find some clarity
Time to find some clarity

 

Living a Fulfilling Life

Jody and Dennis tried for a long time to exp and their family before finally being able to adopt multiple children. Dennis developed a great relationship with his insurance agent and Jody knew that they had a huge need for life insurance to protect their children. Jody and Dennis chose to live a very fulfilling life, while making the future of their children their number one priority.

https://vimeo.com/167034269

Got Questions? We Got Answers…and Policies!

So tell us…

Are you old?
Are you young?
Are you afraid of health exams?
Are you are over 50?
Are you are over 80?
Are you gay?
Are you single?
Are you married?
Are you fighting cancer?
Are you a parent?
Are you a pet lover?
Are you on a budget?
Are you are a smoker?
Are you are HIV positive?
Are you are a man?
Are you are a woman?

Our list of questions could go on and on!

If you answered “yes” to any of the questions above, guess what…we have low cost life insurance for you! To take it one step further, we want you to rest easy knowing we also offer life insurance for your kids and your pets!
Educating yourself on life insurance policies can be discouraging, exhausting and painfully overwhelming, but don’t pull your hair out! Don’t even w ander away from this screen because we are here to help you! Choosing to secure your future by purchasing life insurance is one of the smartest ( and now one of the easiest) decisions you’ll ever make. In fact, it really is a no-brainer. Our insurance policies extend well beyond the reaches of just life insurance.  You can provide he protection you need both personally and professionally.  Please, get it touch with us and let us help you apply for life insurance and update all you current policies – NOW. You will be so very glad you did.

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