Life insurance protects, offers peace of mind

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having life insurance is key to taking care of their family financially. These are just some of the findings from …

Earthquake: Tips to protect your family

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a number of tips to help you prepare for an earthquake. BEFORE AN EARTHQUAKE Create a disaster plan to protect you and your family. Take steps to …

Strengthen your data privacy practices

Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your cyber protection. Free government resources are available to help protect your customer, employee and business data. The U.S. Federal Trade Commission publishes an online Cybersecurity for Small Business website …

Knowledge is power in protecting yourself from fraud

While you work hard to earn money, criminal enterprises are working hard to steal it. So let’s take a minute to brush up on the latest tricks, scams and methods criminals are using to steal data and money from you and your customers. Internet fraud is the use of internet services – or software with internet access – to defraud …

Holiday shopping? Tips for the store or online

Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to join the crowd, here are some tips to protect yourself and your identity. REDUCE YOUR ONLINE SHOPPING RISKS Take precautions whenever you shop online, not …

Term vs. permanent life insurance: Which is right for you?

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options. Here are a few questions to consider: How will the money from this policy be used? Do my life insurance needs span my entire …

Halloween: Tips to make your celebration a treat

As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property. Keep the following tips in mind to ensure Halloween is safe and happy for your family and guests. AROUND YOUR HOUSE Make sure sidewalks, driveways and stairs are well-lit for …

Personal insurance: Trends in construction costs

Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be …

Know the basics of employment practices liability

Like any business, your club has exposure to employment practices liability. Even in the most professional work environment, there are opportunities for an employee to become disgruntled with employment practices. Many times, the result is a lawsuit or administrative charge, so even a small, seemingly insignificant mistake by a manager can lead to significant financial losses for your club. Here are …

Don’t put it off: Assess your life insurance

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if a primary wage earner died. …