Questions To Consider For Insurance Checkup 02/21/2012
 One recent insurance survey suggests that over 30 million U.S. households own insurance policies that are seriously out-of-date. As a result, the following questions should be asked. If the answer to one or more of these questions is yes, then you should contact your insurance agent as soon as possible so your insurance policies can be appropriately updated. ● Has your house undergone major renovations or improvements? If so, your home may be underinsured. ● Has your marital status changed? If you have married, for example, you may now qualify for a multi-car discount on your auto insurance. ● Have you purchased new valuables or collectibles? If so, you may be seriously underinsured for these items. Specialty policies or endorsements can properly cover them. ● Are you now participating in a carpool? If so, your exposure to injuring passengers has grown and your liability limits may need to be increased. ● Are you now retired? If so, your auto insurance premium will likely drop since your annual mileage should decrease. ● Have you added a burglar alarm with central station reporting for your home? If so, you could qualify for a homeowners premium discount. Get more personal lines insurance and risk management tips and ideas from IRMI. Copyright 2008, International Risk Management Institute, Inc. Add Comment Alzheimer's Awareness Month 11/25/2011
 November is Alzheimer's awareness month. Alzheimer's is a fatal brain disease that causes a slow decline in memory, thinking and reasoning skills. There are 10 warning signs of Alzheimer's. Please remember every individual is different and some people may experience one or more of these signs in varying degrees. If you observe any of them or are concerned please see a doctor. Early detection of Alzheimer’s is the best way to slow the disease and maintain a high quality of life for your loved ones. 1. Memory changes that disrupt daily life. 2. Challenges in planning or solving problems. 3. Difficulty completing familiar tasks at home, at work or at leisure. 4. Confusion with time or place. 5. Trouble understanding visual images and spatial relationships. 6. New problems with words in speaking or writing. 7. Misplacing things and losing the ability to retrace steps. 8. Decreased or poor judgment. 9. Withdrawal from work or social activities. 10. Changes in mood and personality. For more information visit The Alzheimer’s Association Website  If you depend upon a customer, supplier or other “contributor” for a large portion of your business income, then you should consider examining this important coverage. Dependent Properties Loss of Income coverage is used to insure against your drop-off in revenue and extra expenses when loss or damage strikes not your business – but rather strikes something or someone that is a “contributor” to your business. Some Examples of contributors to your business are: Manufacturers, Suppliers, Shippers, Subcontractors; inter-dependent locations; and lead stores for insureds located in malls or office complexes. This coverage should also be considered for any off-site event which is relied upon by you for a major portion of an your annual income (for example trade shows, exhibitions). In addition, Critical Machinery that you use in your process can sometimes pose a special risk as well. Some examples of claims: Your primary supplier sustains damage preventing them from supplying you with a critical product or component and you are unable to stay fully operational. Your resulting loss of income (from the shutdown) would be covered. A customer that represents 75% of your annual income loses most of their plant in a storm and must split their Manufacturing between their three other plants located in other states while it takes them over a year to rebuild. Your resulting loss of income (from the loss of a major customer for over a year) would be covered. When you are highly dependent upon someone or something in your business process, you need to contact your insurance agent and review this all important coverage. November is Lung Cancer Awareness Month 11/11/2011
 November is Lung Cancer Awareness Month. The LCA (Lung Cancer Alliance) has several resources listed for raising awareness, distributing educational material, and support communities. The American Cancer Society sponsors the Great American Smoke-Out every year on the third Thursday of November. This year it will be on 17 of November. If you go to their site you can find several ways to help you or a loved one quit. Including quizzes, journals, guides to quitting, and how to support a loved one while they try to quit. Quitting smoking will increase the quality of your life and put extra money in your pocket by drastically lowering your health insurance premiums. American Diabetes Month 11/04/2011
 November is American Diabetes Month and is to help raise awareness about this disease. Every 17 seconds someone in the United States is diagnosed with diabetes. And is is estimated that 1 in every 3 American’s will have diabetes by 2050 if something isn’t done to stop this disease. Diabetes is a serious disease and it takes the lives of more Americans that breast cancer and aids combined. For more information visit Stop Diabetes to learn how to halt diabetes in its tracks. There is a great section on Holiday Meals and how to eat heather year round. Lowering your risk of diabetes can help you live a fuller life and put more money in your pocket by lowering your insurance costs. 20 Tips on Keeping Safe This Halloween! 10/27/2011
 Read the following 20 Halloween tips on keeping safe and then click the link to play the Official Halloween Safety Game!
 and lastly.......Don’t eat all of your candy at once you’ll get a belly ache! So do you think you remember everything about Halloween safety? Play this safety game to find out! For more safety tips including yard decorations, parties, and even pet safety please visit Halloween Safety Guide! Happy Haunting! You protect everything in your life right? Your home, car, and maybe even your life. But what if you become disabled? 3 in 10 people will become disabled for 90 days or more before the age of 65. Call your insurance agent today to insure that you have the necessary funds to take care of you and your family if you become disabled.  This week is National Fire Prevention Week. Do you know what to do if a fire happens in your home. your neighbors house, or at work? Try the quiz below to see how much you already know about fire safety. Once completed you can visit Fire Safety to learn more. For even more materials to help you prepare your family and community visit the National Fire Protection Association website. They have entire sections for Teachers, Parents, Employers, and Families. October is Breast Cancer Awareness Month 10/04/2011
 Breast Cancer effects millions of women and their families every year. About 1 in 8 women in the United States (12%) will develop invasive breast cancer over the course of her lifetime. The Susan G. Coleman Foundation has developed a calender of events to encourage involvement, support, and education during October. This month is to bring awareness to ways to prevent, diagnose early, and treat breast cancer, so that our mothers, daughters, sisters, and wives can live longer and healthier lives. Please take this month to schedule your yearly health exam (Women AND Men). If money is what keeps you from making your appointment, check with your insurance agent, most health plans fully cover preventive health screenings. You can also ask about specific cancer policies to give you more protection and coverages if you or a family member becomes sick. For more information about Breast Cancer visit the Susan G. Coleman Foundation and The American Cancer Society. For information on local Cancer Support Groups Please Call 731-668-1668  Almost 73 million American homes have a pet and 70% of these owners say they would pay whatever it takes to take care of their beloved companion. For pet owners, there are more procedures and options available to chose from than ever. As pet care has increased exponentially, so has the cost. Some of these devoted owners have found that now an overnight trip to the vet can cost well over 500 dollars and if it's an extended illness the costs can reach well in to the thousands. Many owners are unable to pay the costs associated with the care and have to make difficult decisions. 1% of pet owners however, do not have to make any decisions based on costs. These owners insured their pet. Policies range from accident-only policies to other policies that pay for checkups and preventive care. Policies are very affordable and available for all types of animals. Check out our page on Pet Insurance and call us today for a free quote! | Allison InsurancePeriodically staff members will write and post articles covering our products, insurance news, and how you the consumer can reduce and manage daily risks. ArchivesFebruary 2012 CategoriesAll |
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