Term Life Rates at All Time Low


In today’s life insurance market term rates have hit an all time low and  are very affordable.

The average family has a mortgage and two children to put through college. How would your family do it without adequate life insurance coverage?

You could easily secure a policy within a month of application. Below are sample rates of how easy it would be to protect your families financial security for years to come.

Sample rates for a 20 year term policy:

Male (35 years of age)                                        Female (35 years of age)

$150,000 = $11.62 per month                            $150,000 = $10.96 per month

$250,000 = $14.96 per month                             $250,000 = $13.86 per month

$500,000 = $23.32 per month                             $500,000 = $21.12 per month

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Fraud and Embezzlement in the Workplace

Fraud and embezzlement in the workplace is on the rise.  We have seen an increasing trend involving Employee Dishonesty.  The Association of Certified Fraud Examiners estimates business losses due to employee theft at $400 billion per year.  Small companies can be especially affected by theft and embezzlement because they can’t afford extensive safeguards and aren’t large enough to absorb losses.

So, what can a business do to prevent this potentially devastating outcome?  First, be more vigilant with the oversight of employees that handle accounts and mon

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ey.  Create internal controls and stick to them.  Look for warning signs that indicate an employee may be stealing funds or inventory:  Changing lifestyles, unusual behavior, or reluctance to take vacation time, for example.  Installing these and other adequate controls are sound business practices to help deter theft.

Fidelity or Employee Dishonesty coverage is an inexpensive way to help protect your company assets from employee theft.  This, and the increasing trend in workplace fraud, make Fidelity coverage something we highly recommend to our clients.

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Fruit Punch Slush

6 ripe bananas

1 (6 oz.) can frozen lemonade, thawed, undiluted

1 (12 oz.) can frozen orange juice, thawed, undiluted

1 (46 oz.) can pineapple juice

3 cups water

2 cups sugar

2 (32 oz.) bottles lemon-lime carbonated beverage, chilled

Combine bananas and fruit juice concentrate in container of electric blender; blend until smooth.  Combine banana mixture, pineapple juice, water and sugar in a large mixing bowl; mix well.  Pour into plastic freezer containers.  Freeze to serve.  Thaw until mushy.  Add carbonated beverages.  Garnish with orange slices.

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Vacation Checklist for Your Home

A vacation is your time to relax and enjoy life.  These tips will help to get your vacation off to the right start and ensure that your home will be safe while you’re away.

• Make sure all electrical appliances are turned off.
• Clean out the refrigerator of all perishable foods and take out the garbage.
• Lock all windows and doors.
• Arrange to have the newspaper and mail held until your return, or have them picked up by a trusted neighbor.
• Arrange to have your lawn mowed while you’re away.  Ask a neighbor to set out your trash on collection day and then retrieve empty cans and recycling bins the same day
• Let a trusted neighbor know you will be away and have them keep an eye on your home for you.  It’s a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.  It is also helpful to leave the card of your insurance agent with them, in case something should happen and they need to call regarding an emergency claim situation.
• Never leave your house key hidden outside your home.
• Set timers on interior lights.
• Make sure to unplug televisions, computers, and appliances that are susceptible to lightning and power surges.
• Advise your alarm company and local police if you will be gone for an extended period.
• Store jewelry and valuable papers in a safe deposit box.
• Arrange for the care of pets.
• Set the heating system to provide a minimum heat of 55 degrees, should you be away during the winter months.


*From Travelers Insynch Tools

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Health Savings Accounts Under Attack in Congress

Brian McManus of the Health Care Freedom Coalition and Dan Perrin of the HSA Coalition, both member organizations of Consumers for Health Care Choices, are mobilizing a defense of Health Savings Accounts (HSAs) against a new threat in Congress.

Click Here for the Full Story

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Apply for Individual Health Insurance Online

Did you know that you can apply for Individual Health Insurance online?  There are many different options and types of plans.  It is always best to call our office and let us review your plans prior to applying online.  You can click on the logo’s below to apply online.


Permanent Health, Short Term and Dental Plans

Click here to shop and apply online

Assurant Permanent and Short Term Plan

Aetna Permanent Plan

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