Hello ... my name is Bob!

You know this blog really started out as an educational platform for the everyday person to better understand insurance and though I share experiences and thoughts on many subjects it remains the Beginner's Guide to Insurance.  So I thought we'd spend a minute talking about life insurance. 

I just want to put a thought in your head ... what happens if you die?  I know, I know, you've got a ton of life insurance and your loved ones won't ever have to worry or work again, right?

But I'm talking about real stuff, like who do they call?  How long will they have to wait for their benefits?  What should they do with the money?  Should they pay off bills?  Should they put it in the bank?  Buy a new TV ... come on!  Have you talked about this stuff?  or better yet have you written it down? 

Start out by writing down all the life insurance you have through work, on your credit cards, and that you personally own ... put the contact numbers for the agent next to each.  If the contact number is some 800 number that goes to India where a faceless "Bob" will butcher your family name and make you repeat everything twice then perhaps you should consider calling a local agent that you know.  Because a local agent will care that you've just lost someone and they will be easily accessible if you have questions.  They will work with you to figure out what the best use of the money is.  Once you've got that together write down a plan ... what bills to pay and what ones to wait on, what to save and what to spend.

Just a few minutes of discussion and some hand written notes put together in a folder in the lock box will be a comforting reminder that you and your lost love one had a plan even if the worst thing happened.  Who knows may karate lesson will be in the plan.

J

Lets talk about you life insurance program!

The Funny Thing About Food ...

Did your mom and dad make your food fun?  I remember my parents making me meals that looked cool and that seemed to make them taste great.  You know what I mean, fried bologna that looked like pac man, hot dog octopus and broccoli trees.

Not only did we have fun with our food, there was always plenty of it.  Sadly, this is not the case for all kids today.  According to the USDA, over 16 million children lived in food insecure (low food security and very low food security) households in 2010.  This means that they live in homes were they aren't sure where their next meal is coming from.  In fact during 2010 there were over 20 million kids that received free or reduced lunches at school but during the summer when school is not in cession only 2.3 million kids got feed through the USDA's summer food service program.

So only 10% of the kids that get free or reduced lunches at school are getting the same lunch benefits in the summer months.  We want to change that!  Our church and other churches in our town are banding together with others in the county and using the USDA's summer food service program to get those kids in need a free lunch Monday through Friday and perhaps a little fun too.  This summer EVERYONE gets feed!!!  This summer no one goes hungry!  This summer we will be the hands of the church, reaching out to make a difference in the lives of the children of our community.

J

Stop Knocking on Wood!  Call or email me to understand what your coverage is ... No matter who you're with, know what you have!