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Saturday Night Dinner

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Saturday in Los Angeles

What a beautiful day to live in Los Angeles! And so many things to do and I can’t decide! Who has a good suggestion for 330pm on a Saturday?

Karl

Dropcam loves Susman Insurance Agency

We are proud to announce that Dropcam is now highlighting our office as a featured Public Cam!  Come on over and see us live, in HD, any time 24/7.  So next time you’re bored and want to see how exciting the life of an insurance agency can be, you can have a look for yourself.  Our office is also now showing up as a default camera when downloading the iPhone application.  We are currently taking a survey to see if we should enable the sound of our camera or not.  What do you think?  Leave a comment below.

Life Insurance – live forever

The human quest for immortality has led us down many roads–religion, science, exploration, meditation and just about anything else we could think of that might give us some glimmer of hope that we might manage to miss our final destination. Maybe we’re missing the obvious answer, though. Maybe we just need to buy life insurance.

Have you ever walked around downtown in a major city? The next time you do, look up at some of those big, beautiful, expensive buildings. Notice the names on them. You’ll see a common theme, with names like Prudential, AIG and Kemper appearing on some of the biggest. Insurance companies can’t build modern day palaces like that if they’re losing money. Since the idea behind life insurance is that you pay the insurance company until you die, then they pay your family the only way for the insurance companies to be making so much money is for the insured to be staying alive, right?

Oh sure, you could make the argument that the insurance companies just charge more to offset the cost of paying out death benefits, but the fact is that life insurance rates have actually been coming down over the last several years according to an article in USA Today. Perhaps a better argument is that people are living longer, meaning that insurance companies get to collect your premiums for a few more years before they have to pay up.

But maybe there is a link between owning life insurance and living longer. A life insurance company will use a number of factors to set your premium amount. An article on CNN.com explains that insurance companies will look at your health, lifestyle, occupation, family history and more, basically with the goal of determining exactly how likely you are to die at a young age. Really, if you want to know when you’re going to die, don’t talk to a fortune teller; talk to an insurance adjuster–they’re far more accurate. Anyway, the more likely you are to die young, as determined by the insurance adjuster, the higher your premiums will be. The logical conclusion would be that if you were really likely to die soon, your premiums would be so high that you couldn’t afford them. Therefore, the fact that you can afford life insurance might mean that you are not very likely to die soon. And if you can still afford your life insurance 50 or 100 years from now–so be it.

So the bottom line is that life insurance companies are in the business of knowing when you’re going to die, so if they’re willing to offer you life insurance as a decent price, the odds are that your number is going to be up for quite awhile. As for immortality, well, make friends with an insurance adjuster and I’m sure they’ll do what they can.

See Susman Insurance Agency Live and In Color

Did you know there are over 400,000 insurance agents in the United States? And more people are entering the field each year. According to the US Bureau of Labor Statistics, it’s one of the fastest growing industries. And yet, for the most part, insurance agents are pretty nameless and faceless. Everybody knows an insurance agent, but no one knows an insurance agent.

Until there’s a problem.

People often only talk to their insurance agent when they have a problem: They wrecked the car. A tree fell on the house. They want a cheaper insurance rate, etc. You’ve noticed that your insurance agent is always happy to hear from you. Of course, you probably think it’s because it means they’re going to get PAID.

But that’s not the only reason your agent is glad to hear from you. No, really, we’re serious. Believe it or not, most agents like people, and one of the main reasons they got into the insurance biz is because they *gasp* want to help people. They are available to assist when you need help like we mentioned above, but they are also available to answer any insurance-related questions you might have as well. We can even answer some non-insurance-related questions, such as, the best route to get to Rodeo Drive or the best recipe for Lemon Bars.

When most people need to chat with their insurance agent, they pick up the phone and call. Or, if they happen to be in the area, they might stop by. But we offer a third way to chat with us: video chat. Yes, you can contact us and see live video your from home or work. There are no extra fees for this service, we just want to offer as many entertaining options for you to contact us as possible.

Think about how much fun this could be. Yes, we said “fun” in an insurance blog post. But seriously, think about it.

  • You just want to know what your insurance agent looks like. Anyone could put anyone’s picture on the side of a bus or on a shopping cart, but it’s hard to fake face-to-face chat.
  • You’re curious about what an insurance agent’s office looks like. You’re actually doing us a favor. Since you can call in at any time, Karl has to keep his office neat and tidy. It also means Karl has to take a lunch break and leave his desk. Maybe even leave the office. We love Karl, but he needs to get out more.
  • Did we mention the Lemon Bars? You can see them for yourself. They’re yummy!

So, the next time you need to “see” Susman Insurance or anyone on our staff here, give live video a try! It’s a great way for us all to become better acquainted.

Brush Fire in Kern County

KABC is reporting a brush fire burning in the hills of Kern County, CA.   As of just about an hour ago, over 750 acres are said to have burned.   The fire broke out around noon today just off the 5 Freeway.

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