Share the road with motorcycles

Objects More Vulnerable than they Appear

Today, more people are riding motorcycles than ever before. Motorcycle riders represent almost every demographic group in the country. Riders now tend to be more affluent than 30 years ago. The average age of riders has increased, and more women are riding than ever before. In 2010, 4,502 motorcyclists were killed –while this is a decrease of 15% from the 5,312 motorcyclists killed in 2008, saving more lives is the ultimate goal. 1

Now that warmer weather has covered most of America, motorcyclists everywhere will soon be out in full force

In response to this increase, the NHTSA has proclaimed May as “Motorcycle Safety Awareness Month” During this time – and during the rest of the year – motorists and other road users are reminded to safely “share the road” with motorcycles, and to be extra alert to help keep motorcyclists safe. Changing the driving habits of motorists and motorcyclists alike will help decrease the numbers of motorcyclist killed and injured in crashes. Motorcyclists are reminded to make sure that they are visible to motorists, and that they follow the rules of the road. All road users are reminded to never drive, ride, walk or bicycle while distracted.

 Motorcycle safety is a Two-Way Street

Two Way Street

Automobile drivers need to be vigilant to look for motorcycles as they are harder to see, and are far more vulnerable to road hazards and impacts. Drivers of cars, trucks and buses are reminded to look out for and share the road with motorcycle riders. Things as simple as always using your turn signal, even if you don’t see another vehicle around, and scrupulously checking mirrors and blind spots before changing lanes can potentially avert disaster.

Motorcyclists have responsibilities too, in that they are reminded to obey traffic laws, wear DOT-compliant helmets and other protective gear, and make themselves visible by wearing bright colors and using reflective tape. In addition, motorcyclists are responsible for being alert to the actions of other drivers, and never EVER getting behind the handle bars while impaired. After all –Drinking slows down a riders reactions to curves.

Increasing safe riding and cooperation between all road users and motorcyclists will help to reduce the number of fatalities and injuries on our nation’s highways.

Share the road with motorcycles with these safety tips: Continue reading

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

How will you remember your prom?

Spring has sprung, which means blooming flowers, weddings and baseball season, but for teenagers across the country it means one thing — Prom.

While your teens are probably more concerned with what they will wear and who are they going to the prom with, talking to them about the importance of making safe and responsible decisions on Prom night should be your top priority.

Chances are your teen is worried too: 90 percent of teens felt that their peers would drive drunk after prom — that is a number that is WAY too high. In 2009, more than one-third of the alcohol-related fatalities of those under the age of 21 occur during prom and graduation season.1

Why teen drivers scare the bejesus out of me

Not only are we dealing with drivers who are inexperienced, if a risky variable such as  underage drinking the consequences can be lethal.  Not to mention the new safety epidemic that affects drivers of all ages and is considered to be just as dangerous (if not more) than drinking and driving: Distracted Driving

I think of vehicles as weapons of mass destruction — both have incredible power and speed — and the ability to take away life.  Car accidents due to inexperienced driving is understandable as well as somewhat unavoidable — it’s simply a fact of life than can be tolerated.  But when a driver decides to get behind the wheel with distractions, booze and selfish decisions their car becomes a “loaded weapon” — is intolerable and 100% preventable.

Talk to your teen — laying down the rules isn’t easy — but then again, neither is saving lives

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: