The Safe Road to Santa’s Workshop

Cheer is in the air as the holiday season approaches. Just don’t overlook increased risks of being out on the road! As you head to Aunt Judy’s Christmas dinner or Bob’s Ugly Sweater Party, it is increasingly important to drive safely.This time around, take a safe trip with Santa’s elves as they follow the cement road to his workshop. You’ll learn how (and why!) to stay away from dangerous driving practice.

Be Safe This Holiday Season - The Safe Road to Santa's Workshop

Infographic courtesy of Road Traffic Signs

The holidays should be a time for celebration, not tragedy. NHTSA has compiled these facts for you to keep these facts and more in mind while you’re behind the wheel this holiday season.

  • In December, an average of 25 people a day die in drunk driving crashes. That means that for approximately 775 families, a typically joyous celebration ended in disaster.
  • In 2010, more than 10,000 people were killed in drunk driving crashes.
  • In December 2010, almost 1 out of every 4 cards involved in a fatal crash had a drunk driver behind the wheel.
  • In December, 60% of fatal crashes between midnight and 3 a.m. involve a drunk driver.

Before you head out for to celebrate this holiday season, be sure to follow these simple steps to ensure your holiday celebrations don’t end in tragedy –or get you put on Santa’s ‘Naughty’ list:

  • Plan ahead; be sure to designate a sober driver before the party begins.
  • If you will be drinking, do not plan on driving. Even one drink too many increases the risk of a crash while driving a motor vehicle. If you are impaired, find another way home. Use a taxi, call a sober friend or family member or use public transportation.
  • Be responsible. If someone you know is drinking, do not let that person get behind the wheel. If you see an impaired driver on the road, contact law enforcement. Your actions may save someone’s life, and inaction could cost a life.

If you live in Indiana and would like to discuss your insurance with me Click Here.

1.  NHTSA | I didn’t know that

A coverage checklist for home insurance

As a homeowner, it is imperative that you understand what is covered, or more imporantly — what’s NOT covered.

Not all policies are created equal

There are many different options with home insurance, so it is important to first know what is included in a standard home insurance policy. Simply because you have a policy does not mean you have obtained proper protection, and sadly most people only come to realize this when it is most important — when you need to file a claim.

For example: One common exclusion in standard home insurance policies is damage caused by water back-up of sewers and drains. However most insurers provide the option to add the coverage back for a nominal cost. I include this coverage on every single proposal I deliver. If the client opts to decline and sign off on this coverage it is because they have made the decision to remove the coverage — not because I made the decision for them in an effort to be the cheapest.

I never want to find myself on the phone with an angry client standing in two inches of their own crap, wondering why in the hell I wouldn’t have told them about this inexpensive coverage in the first place. That would be, well…crappy.

Do you’re homework and find out how well you are (or aren’t) protected:

Facts about LIFE

Life HappensLife is unpredictable—that’s why we say LIFE Happens. And while you can’t control the future, you can take steps to protect your family financially and safeguard the good things that you’ve created in your life with proper life insurance planning.

Each year millions of Americans endure unnecessary financial hardship as a result of loved ones dying with little— or no life insurance

The number of Americans with a life insurance policy has declined to an all time low as 41 percent of the population (95 million) stated they have no life insurance at all!1

Also Scary: 4 in 10 of those who DO have life insurance only have it through group life insurance coverage

Let me be the first to tell you — this is bad planning.  Sure, it’s great to have your employer provide you with a life insurance policy in which they are paying for — but don’t let that be your only protection! Think about it — do you know for sure that you are going to be with that employer for the rest of your working years?  There is no way to know for sure, but what do you think happens when you leave your employer (Along with your life insurance policy) behind, and you are now 20 years older? Or worse, your health has deteriorated and you are no longer considered to be the “Insurable” candidate you once were? The thing about life insurance is that you aren’t bound to keep it forever — if your lifestyle changes and you don’t feel you need the coverage — you can opt to cancel the policy.  That is A LOTeasier to do than trying to find a  policy with unfavorable health conditions.

Life insurance should serve as the foundation of your family’s financial security

Life Insurance ensures that your loved ones will have the same lifestyle and opportunities, even if you’re not here.  While it cannot replace you, it can provide your family with funds they need to:

√ Pay final expenses
√ Make adjustments in their life
√  Replace the income you provide
√  Keep your family in their OWN World (i.e: Home, Neighborhood, School)
√ Create a college fund
√ Provide for financial emergencies
√ Provide for child care and/or home care

Standing up to the future means making sure you and your family can carry on, even in the face of a disaster. That’s where life insurance and other forms of insurance come in.

Life insurance won’t guarantee you’ll never face a tragic situation, just as wearing a seat belt won’t keep you from crashing your car. But it will provide your family with financial protection. And whatever hopes and dreams you have for your loved ones can still be realized, even if the worst were to happen.

That’s why we say LIFE Happens — because it really does — no matter what the future throws at you.

This infographic does an excellent job of highlighting some of the important facts and figures about life insurance: Continue reading

The Worst Times to Drive

Recently I posted about the most dangerous days of the year to drive a car, but now we may be able to narrow it down even further by examining the most dangerous times of day to drive.

It appears as if the month of October is one of the most dangerous months for teen drivers, with reports noting a 15% increase in incidents compared to other months! has put together this infograhic to help display the worst times to drive: