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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.

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?

Only Human

Things in our lives are constantly evolving, changing. It’s inevitable. There are many people who crack under the pressure and stress of change, making complicated situations even worse and slowing the growth process.

We currently have numerous opportunities afforded to us that our ancestors quite possibly couldn’t even comprehend. I think those “perks” make the wheels of change turn even faster than they once did. Life is fast-paced and hectic. We often convince ourselves that we have the strength and endurance of superhero. Certainly we can argue that we’re all superhero material in our own way, but we still have to remind ourselves that failure can and will happen. We are only human after all. Sometimes change comes in the form of a sudden event – illness, car accident or any event that can turn life upside-down in the blink of an eye. When those moments strike, we don’t want you worrying about ANYTHING other than getting back on your feet.

Take a moment and look at life insurance through a different lens. Buying life insurance doesn’t have to be stressful. We underst and the struggles of comparing life insurance companies and policies, because we’ve been there. It can be confusing and frustrating, which is why we are here for you now. We wanted to make it easy for you to feel financially protected and we have done just that. We can offer protection whether you’re old or young, sick or healthy, male or female, gay or straight, married or single.

No matter what, we’ve got you covered.
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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

 

Plan and Prepare

There are numerous ways you can plan, prepare, and do to ensure a long and healthy life.

*Eat healthy – Veggies, fruit, whole grains, lean protein, low fat dairy *Find a physical activity – CrossFit, basketball, football, baseball, running, kickboxing, boot camp, muai thai, MMA or other martial arts, even walking with a friend on a consistent basis). Pick one. *Find your bliss or mix and match – he options are endless. *Put your head in a good place mentally – the power of positive thinking; what you believe you attract *Choose happiness – no matter what life throws at you, choose to find a piece of good in all things

New information is thrown at us daily in regards to ways we can learn about new tricks to staying healthy and living a long life.  However, sometimes, fate steps in and takes the reins for a moment or two, often mangling our plans in extreme ways. There’s nothing you can do to stop the inevitable, but you can plan appropriately. Again, the key word being PLAN.

We know that it is hard for some people to be comfortable with the idea of purchasing life insurance. Knowing the inevitable can still be a hard pill to swallow – but you have to.

You can do everything possible to live a healthy life, but you still have to take the extra steps to protect yourself and more importantly, protect your family.

Life insurance, disability insurance, critical illness insurance ( and more) are all polices you should make part of your entire plan. Knowing you are living a healthy life isn’t enough to plan and prepare for the future. Financial planning and protection must be part of your daily health plan as well.

Plan  and Prepare
Plan and Prepare

“Fall” Into a Policy

Just like that…September is over.

Bring on PUMPKIN TIME!

I LOVE October. The weather finally starts to cool off (a little), the leaves change, and pumpkin foods fill the stores.  Costume and c andy time will come at the end of the month, but until then it is all about fall weather and pumpkins for me.  Beside Halloween, it is pretty much the last month of relaxation and mellow time before the holiday frenzy sets in.  It is probably a really good time to create your monthly to-do list and re-prioritize.  The more projects, err ands, and such that you complete during October, the less stress you will experience during November and December.  After all, who doesn’t want to feel more focus when planning the holidays and doing all that shopping?

If you didn’t put this on your list at the beginning of September, it is no time to put it at the top of your to-do list for October – IT IS TIME TO GET A LIFE INSURANCE POLICY.

Come on…no more procrastinating or excuses. There is absolutely no reason for you to continue without a policy.  Do it today and get it out of the way.  You will have the rest of the month to work through your remaining to-do list and can do it without the stress of worry about a life insurance policy.

Fall into a Policy
Fall into a Policy

Don’t Be Afraid

Don’t be afraid! Getting Life Insurance is NOT scary!

Stop worrying. Just fill-out the form to get a quote.

Do Something. Doing nothing and avoiding it only causes problems.

We just need a little bit of information to get you started. We aren’t asking for a sample of your DNA or the use of your first born child. We just want to know a little bit about you so we can help YOU find the coverage and policy that best fits your needs.

We don’t ask a bunch of unnecessary questions. Topics that aren’t our business don’t apply. We aren’t nosey. Promise.

Again, we are only here to help.

Worried about being denied? Don’t be. We work hard to get you approved.

Scared about the results of a medical exam? Don’t be.

We specialize in finding policies for all unique situations. Besides, how do you know if you will be accepted if you don’t try in the first place.

We are unlike any other insurance company. To be honest, we think we are the best! We are straightforward and professional, but very friendly and personal. We underst and that no two situations are alike and treat each new client as a st and-alone case. No comparisons or judgments.

We just wanted to offer you the assistance with purchasing a life insurance policy that you haven’t experienced with another agent.

Don’t be afraid to contact us!

change

Get One Already

Why do you not have life insurance?

Health insurance in now required. That is your body you are protecting and making sure it is covered in case a medical emergency arises. You wouldn’t know what to do if there was a major medical expense due to your health and you didn’t have coverage. Therefore, you get health insurance to stay protected. Why? It is the right thing – the responsible thing to do.
Car insurance – required. In almost every state, it is required by law. This covers the physical property of your vehicle, as well as drivers and passengers. A car is a tangible item that gets you from point A to point B. For many of us, it is something that we cannot live without. Most of us need a car to ‘survive.’ What do you do? You insure it. Why? It is the right thing – the responsible thing to do.
So…you are going to protect yourself and have coverage for everything from a cold to major surgery? You are going to make sure your car has protection so you never have to go without personal transportation? Additionally, you choose to cover your house, your dog, your valuables, and more!

So I ask again…
Why do you not have life insurance?

Is treating a cold more important than protecting your family after you are gone?
Is making sure you can get a replacement vehicle a priority over making sure your loved ones aren’t stuck with your debt? How do you think that makes them feel that they are less important than your car? How would it make you feel if you weren’t a priority to you loved ones?
Perhaps it is time to reprioritize and decide what really needs to be protected – now and for the future. Time to get a life insurance policy.

Get One Already
Get One Already