http://www.insurance-simplified.com/blog/View Griffioen Agency's Website Blogen-uspostmaster@www.insurance-simplified.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:06d54d87-5f78-4e34-a1be-9e44a2bf5697urn:uuid:a636abed-e626-4837-8ad5-97e500bfdb15Last week, Andy mentioned Selective and the welcome addition it is to our home and auto insurance carrier list.&nbsp; Our clients have been as pleased as we have with this addition. Last week we had a chance to compete with American Family on a hous...Mon, 20 Feb 2012 16:09:41 -0600Last week, Andy mentioned Selective and the welcome addition it is to our home and auto insurance carrier list.&nbsp; Our clients have been as pleased as we have with this addition.<br /> <br /> Last week we had a chance to compete with American Family on a household that has insurance on a home, two autos, and a rental property.&nbsp; <br /> <br /> Since this family was bundling their policies and qualified for the home/auto discount, Selective saved them 25% off their total annual American Family bill!&nbsp; Just as important we&nbsp;<em>added&nbsp;</em>some needed property coverage.&nbsp; All told the savings was in excess of $700 and I know they are happy to use that money elsewhere.<br /> <br /> Give us a call for an insurance quote and see what Selective (or one of our other "A" rated carriers) can do for you!urn:uuid:3dae77b0-9643-4486-a79b-a600b8793c21<img src='http://www.insurance-simplified.com/img/~www.insurance-simplified.com/Selective%20Logo.jpg' align='left' />We are excited to announce the addition of a new Home and Auto insurance company to our agency: Selective Insurance!&nbsp; We've worked with Selevtive on Commercial Insurance accounts for the past few years with great success.&nbsp; They have prove...Tue, 07 Feb 2012 09:32:03 -0600<span style="font-size: 16px;">We are excited to announce the addition of a new Home and Auto insurance company to our agency: Selective Insurance!&nbsp; <br /> <br /> We've worked with Selevtive on Commercial Insurance accounts for the past few years with great success.&nbsp; They have proven to be second to none on claims resolution and helpfulness, and they are always competitively priced.<br /> <br /> We are one of only a few agencies in all of Northwest Ohio that can write home&nbsp; insurance and auto insurance through Selective, and the results so far have been wonderful.&nbsp; We are glad to add them to&nbsp;the&nbsp;growing list&nbsp;of&nbsp;"A" rated insurance companies that we can offer you.&nbsp;<br /> <br /> Call for a free insurance quote to see if we can help you save on your insurance.&nbsp; With the dozens of insurance companies we work with, we can ensure you save money without sacraficing quality or reliability.<br /> <br /> </span><img alt="" width="309" height="97" style="width: 266px; height: 97px;" src="/img/~www.insurance-simplified.com/Selective%20Logo.jpg" />urn:uuid:ff77a745-a2eb-44da-84ab-8669d07effbd<img src='http://www.insurance-simplified.com/img/~www.insurance-simplified.com/fenderbender.jpg' align='left' />Sooner or later it will get cold, and snowy, and there will be more car accidents.&nbsp; It's one of the things you come to terms with when you decide to live in the Toledo area. As a broker for auto insurance we frequently get questions about what ...Mon, 16 Jan 2012 15:12:10 -0600<p><span style="font-size: 16px;">Sooner or later it will get cold, and snowy, and there will be more car accidents.&nbsp; It's one of the things you come to terms with when you decide to live in the Toledo area.<br /> <br /> As a broker for auto insurance we frequently get questions about what to do after a car accident.&nbsp; One of our many carriers (Travelers) makes it simple:<br /> <br /> &nbsp;&nbsp;&nbsp;&nbsp;1. Move out of the way of traffic and turn on your hazard warning lights.</span></p> <p><span style="font-size: 16px;">&nbsp;&nbsp;&nbsp;&nbsp;2. <strong>Call the police even in a minor accident</strong>. If someone is injured, request medical assistance. If fire is involved, request fire department aid.</span></p> <p><span style="font-size: 16px;">&nbsp;&nbsp;&nbsp;&nbsp;3. Do not discuss the accident with anyone other than the police..</span></p> <p><span style="font-size: 16px;">&nbsp;&nbsp;&nbsp;&nbsp;4. Exchange necessary information with the other driver(s). Be sure to write down the other driver's name, address, phone number, license plate number and insurance information. Also write down the contact information of all witnesses.</span></p> <p><span style="font-size: 16px;">&nbsp;&nbsp;&nbsp;&nbsp;5. Report the accident as soon as possible. The faster you report your claim, the sooner we can get you back on the road.<br /> <br /> If you are in an accident and the commotion creates confusion please call us.&nbsp; We are here to help and want to make a difficult situation as simple as possible.<br /> <br /> <img alt="" width="338" height="210" style="width: 300px; float: left; height: 214px;" src="/img/~www.insurance-simplified.com/fenderbender.jpg" /><br /> <br /> </span></p>urn:uuid:d735ff02-7832-449f-843a-958cf391fe24Which cars were most frequently stolen, in 2010? (They're probably not the ones you'd expect!) According to the NICB, they are: 1994 Honda Accord 1995 Honda Civic 1991 Toyota Camry 1999 Chevrolet Pickup (Full Size) 1997 Ford F...Fri, 06 Jan 2012 13:38:06 -0600<span style="font-size: 16px;">Which cars were most frequently stolen, in 2010? (They're probably not the ones you'd expect!)<br /> <br /> According to the NICB, they are:<br /> <br /> <div class="alignright"></div> <ol> <li><span style="font-size: 18px;">1994 Honda Accord</span></li> <li><span style="font-size: 18px;">1995 Honda Civic</span></li> <li><span style="font-size: 18px;">1991 Toyota Camry</span></li> <li><span style="font-size: 18px;">1999 Chevrolet Pickup (Full Size)</span></li> <li><span style="font-size: 18px;">1997 Ford F150 Series/Pickup</span></li> <li><span style="font-size: 18px;">2004 Dodge Ram</span></li> <li><span style="font-size: 18px;">2000 Dodge Caravan</span></li> <li><span style="font-size: 18px;">1994 Acura Integra</span></li> <li><span style="font-size: 18px;">2002 Ford Explorer</span></li> <li><span style="font-size: 18px;">1999 Ford Taurus</span></li> </ol> <br /> See the video below, for additional information.<br /> <br /> </span> <object style="height: 390px; width: 640px;"> <param name="movie" value="http://www.youtube.com/v/e1cr09B_f-0?version=3&amp;feature=player_detailpage"> <param name="allowFullScreen" value="true"> <param name="allowScriptAccess" value="always"><embed src="http://www.youtube.com/v/e1cr09B_f-0?version=3&amp;feature=player_detailpage" type="application/x-shockwave-flash" allowfullscreen="true" allowscriptaccess="always" height="360" width="640"></object>urn:uuid:9164cda8-1d71-4dc6-b7aa-f039d27f21a4FYI, our agency will be closed Monday December 26th in observance of Christmas. We will also be closed on Monday January 2, in observance of the New Year. Merry Christmas to everyone, and a Happy New Year! Wed, 21 Dec 2011 09:48:25 -0600<span style="font-size: 16px;">FYI, our agency will be closed Monday December 26th in observance of Christmas.<br /> <br /> We will also be closed on Monday January 2, in observance of the New Year.<br /> <br /> Merry Christmas to everyone, and a Happy New Year!<br /> </span>urn:uuid:360d71a4-0014-4b3d-9576-fda182ce903eCongratulations to Lisa Leggett, the most recent winner of the Perrysburg Schools Golden Excellence Award. Hans presented her with a gift certificate a the School Board meeting. We're happy to help recognize her for her efforts right here in our tow...Tue, 13 Dec 2011 08:19:15 -0600<span style="font-size: 16px;">Congratulations to Lisa Leggett, the most recent winner of the Perrysburg Schools Golden Excellence Award.<br /> <br /> Hans presented her with a gift certificate a the School Board meeting. We're happy to help recognize her for her efforts right here in our town. <br /> <br /> <img alt="" src="/img/%7Ewww.insurance-simplified.com/Golden%20Excellence%20-%20Leggett.jpeg" /><br /> </span>urn:uuid:60f83efd-e13d-491f-9417-0c978fd5c301There is less than a week left in the 2011 Medicare Annual Election Period! In years past Medicare participants had from mid-November up until the end of the year to make changes to their Medicare Supplement (MediGap), Medicare Advantage, and Prescr...Thu, 01 Dec 2011 10:14:03 -0600<span style="font-size: 16px;">There is less than a week left in the 2011 Medicare Annual Election Period!<br /> <br /> In years past Medicare participants had from mid-November up until the end of the year to make changes to their Medicare Supplement (MediGap), Medicare Advantage, and Prescription Drug Plans.&nbsp; The rules changed begining this year.&nbsp;&nbsp;Beginning 2011, the Annual Election Period (AEP) runs from October 15th, and runs until December 7th.&nbsp; That's right, less than a week away.<br /> <br /> If you are a Medicare participant, will soon be going on Medicare, or know someone who is,&nbsp;there are a lot of options available to you, and we can help you find the plan that fits you best.&nbsp; Give us a call before time runs out!</span>urn:uuid:126dae5a-a7b1-4523-b517-eae4ed4796e1<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/thank_you.jpg' align='left' /> Thanksgiving is only a few days away. And at this time of year, we like to express our gratitude to every one of our customers. Thank you for your trust, for your friendship, for your kind words and referrals, and for choosing to work with us and...Tue, 22 Nov 2011 07:26:55 -0600<span style="font-size: 16px;"><img alt="" width="251" height="166" src="/img/%7Ewww.insurance-simplified.com/thank_you.jpg" /><br /> <br /> Thanksgiving is only a few days away. And at this time of year, we like to express our gratitude to every one of our customers. <br /> <br /> Thank you for your trust, for your friendship, for your kind words and referrals, and for choosing to work with us and our office. <br /> <br /> You have many choices for your insurance. And we never take you for granted. Please let us know if we can help you in any way - whether it's for policy service, or getting a quote on a car that you're considering. <br /> <br /> We are here to help you. <br /> <br /> Thank you!<br /> </span>urn:uuid:6fb809c4-fda5-463e-99aa-4c675e47e3f5A few weeks ago, Nichole was working with a former customer, who had left our agency to be insured with a relative who was new in the business. The relative left the business, which opened the door for us to work together, again. Yesterday, Nichole...Tue, 08 Nov 2011 09:02:09 -0600<span style="font-size: 16px;">A few weeks ago, Nichole was working with a former customer, who had left our agency to be insured with a relative who was new in the business. The relative left the business, which opened the door for us to work together, again. <br /> <br /> Yesterday, Nichole received a thank you card in the mail. Below is the message inside (shared with permission):<br /> <br /> <span style="font-size: 18px; color: #7030a0;">Thank you so much for all your help finding the right solutions for our home and cars. <br /> <br /> It is refreshing to be back with our hometown pros we count on! (Smiley face)<br /> <br /> Jessica D.</span><br /> <br /> Helping people with their insurance is what we love most about this job. We're glad to have you back, Jessica!<br /> </span>urn:uuid:1391582d-0c89-4197-82d1-212bcde98c76<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/speedometer.jpg' align='left' /> Exceeding posted speed limits accounts for nearly one-third of all fatal car crashes. Next time you are rushing to get somewhere and find yourself speeding, consider the following facts from the National Highway Traffic Safety Administration (NHTSA...Wed, 05 Oct 2011 22:17:49 -0500<span style="font-size: 16px;"><img alt="" width="232" height="199" src="/img/%7Ewww.insurance-simplified.com/speedometer.jpg" /><br /> <br /> Exceeding posted speed limits accounts for nearly one-third of all fatal car crashes. Next time you are rushing to get somewhere and find yourself speeding, consider the following facts from the National Highway Traffic Safety Administration (NHTSA):<br /> <span style="font-size: 18px; color: #c00000;"><strong><br /> Don't Let Low Traffic Fool You:</strong></span> Speeding-related fatalities are twice as likely to happen in rural areas as they are on urban streets. In fact, only 12 percent of speeding-related fatalities occur on Interstate highways.<br /> <br /> <span style="font-size: 18px;"><strong><span style="color: #c00000;">Ten Miles Per Hour Makes a Difference: </span></strong></span>The probability of death or a debilitating injury doubles for every additional 10 mph when a vehicle is traveling 50 mph or faster.<br /> <br /> <span style="font-size: 18px; color: #c00000;"><strong>Wear Your Seatbelt:</strong></span> One in three drivers killed in car accidents are not wearing safety restraints.<br /> <br /> <span style="color: #c00000;"><strong><span style="font-size: 18px;">Talk to Your Teen:</span></strong></span> The likelihood of fatality in a speeding-related crash is highest for divers in their teen years. Young men are particularly at risk. They have twice as many fatalities from speeding when compared to women.</span>urn:uuid:db21ef97-e46a-4cd6-a78b-5f93b2a96c0bYesterday we got an email from one of our individual health insurance companies, notifying us that they've stopped writing new policies in Michigan. They cited the health care reform MLR requirement, that forces them to pay out a certain percentage...Thu, 29 Sep 2011 13:55:38 -0500<span style="font-size: 16px;">Yesterday we got an email from one of our individual health insurance companies, notifying us that they've stopped writing new policies in Michigan. <br /> <br /> They cited the health care reform MLR requirement, that forces them to pay out a certain percentage of their revenue for claims. The problem is that in individual insurance, the administrative costs are significant, because every policy has to be approved and processed one-by-one. Smaller companies also have fewer policies to spread their expenses over. <br /> <br /> The bottom line is that we have one fewer option for our Michigan customers. Thankfully we have other carriers (for now). But I worry about the long-term implications of the law on health insurance. Fewer competitors means less choice and higher prices for consumers. And that's the opposite of what we want!<br /> <br /> One lesson: stay informed, about what's going on in the news, and in Washington. Sooner or later, it affects you personally.<br /> </span>urn:uuid:f63d5171-f8f8-43bb-b330-47b0616a6552<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/230.jpg' align='left' /> Kaylee is a little girl with progeria. She lives right here in NW Ohio, and you can help her fight this disease. (You may have seen her on TV with Barbara Walters, and on a TLC special.) Her annual 5K run, and research fundraiser is coming up on O...Wed, 21 Sep 2011 07:29:31 -0500<span style="font-size: 16px;"><img alt="" src="/img/%7Ewww.insurance-simplified.com/230.jpg" /><br /> <br /> Kaylee is a little girl with progeria. She lives right here in NW Ohio, and you can help her fight this disease. (You may have seen her on TV with Barbara Walters, and on a TLC special.)<br /> <br /> Her annual 5K run, and research fundraiser is coming up on October 8, in Monclova. Please consider supporting Kaylee in this good cause.<br /> <br /> We've never met them, but she and her family have touched our hearts. <br /> <br /> Learn more about Kaylee, and progeria, at <a href="http://www.sweetkaylee.com">www.sweetkaylee.com.</a><br /> </span>urn:uuid:3a817025-3217-4383-b841-e8cd8272bb95<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/appleorange.jpg' align='left' /> When you get quotes on your car or home insurance, you might find it difficult to compare them against each other - or to what you currently have. Today we talked to someone who was moving to Michigan. He thought he had a better rate elsewhere, un...Fri, 16 Sep 2011 15:18:26 -0500<img alt="" width="336" height="225" src="/img/%7Ewww.insurance-simplified.com/appleorange.jpg" /><br /> <br /> <span style="font-size: 16px;">When you get quotes on your car or home insurance, you might find it difficult to compare them against each other - or to what you currently have.<br /> <br /> <span style="color: #1f497d;">Today we talked to someone who was moving to Michigan. He thought he had a better rate elsewhere, until he realized that he'd been given 6-month quotes from the other agent, and annual quotes from us. </span><br /> <br /> We're glad to have him as a customer, but he almost paid too much because there can be so many variations between companies. <br /> <br /> <span style="color: #ff0000;">So when you get quotes, be sure to check things like the duration of the policy, and the coverage amounts. If you don't, you may end up paying a lot more than you had to. </span><br /> <br /> And better yet, work with an independent agency like ours. We can quote your coverage with over two dozen different companies, and do most of the comparing for you. That saves you valuable time - and money.</span>urn:uuid:9d835018-288f-4f8f-a002-90f2fe2cf986According to a National Highway Traffic Safety Administration (NHTSA) report, each year an average of 19 school-age children lose their lives in traffic crashes related to school transportation. With a new school year approaching, help stay safe by f...Wed, 31 Aug 2011 10:58:57 -0500<span style="font-size: 16px; color: #1f497d;"><strong>According to a National Highway Traffic Safety Administration (NHTSA) report, each year an average of 19 school-age children lose their lives in traffic crashes related to school transportation. With a new school year approaching, help stay safe by following these tips:</strong></span><span style="font-size: 16px;"><br /> <br /> <br /> <strong><span style="color: #c00000;">Red Means Stop...Really.</span></strong></span> <span style="font-size: 16px;"> When you see the red flashing lights on a school bus, don't be tempted to sneak past. Stop and stay stopped until the lights no longer flash or until otherwise signaled by the school bus driver.<br /> <br /> </span> <span style="font-size: 16px; color: #c00000;"><strong>Slow Down Near Schools. </strong></span><span style="font-size: 16px;">Remember to slow down in accordance with the reduced speed limits in school zones. Watch for designated crosswalks and children who may not be paying attention.<br /> <br /> </span> <span style="font-size: 16px; color: #c00000;"><strong>Conduct a Car Check. </strong></span><span style="font-size: 16px;">Check headlights, oil, turn signals, and tires before letting your son or daughter embark on their journey to college. You never know when these vehicle essentials may break down!<br /> <br /> </span> <span style="font-size: 16px; color: #c00000;"><strong>Stay Back, Don't Pass</strong></span><span style="font-size: 16px;">. It is illegal to pass on the right side of a bus. With many different stops on a bus route, remember to be alert when children are loading and unloading the bus.<br /> </span> <span style="font-size: 16px; color: #c00000;"><strong><br /> Stay Alert. </strong></span><span style="font-size: 16px;">Children are unpredictable. Near a bus or in a school zone, you never know when they'll run into the street unaware of drivers. Be one step ahead and anticipate a child's move.</span>urn:uuid:d3e4c622-bc92-4e40-85f6-366f1ab8f9e9<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/flooded-living%20room.jpg' align='left' />It seems like you see it on the news regularly - floods destroying homes and possessions. Could it happen to you? No-one has a crystal ball. But you can insure for it. If your bank doesn't require flood insurance, you might still consider it because...Tue, 16 Aug 2011 22:35:23 -0500<span style="font-size: 16px;">It seems like you see it on the news regularly - floods destroying homes and possessions. Could it happen to you? No-one has a crystal ball. But you can insure for it.<br /> <br /> If your bank doesn't <em>require</em> flood insurance, you might still consider it because the cost goes down with the reduction of risk. <br /> <br /> For example, a good flood insurance policy might cost you $365 to $405 per year. <br /> <br /> And if you <em>do</em> need it, we can put a quote together for you quickly, and issue it over the phone, with a credit card. Think about it, and contact us if you have any questions.<br /> <br /> <img alt="" width="444" height="295" src="/img/%7Ewww.insurance-simplified.com/flooded-living%20room.jpg" /><br /> </span>urn:uuid:11024499-23cb-4f0d-8584-3245a647cc00<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/teenage%20driver%20insurance.jpg' align='left' />More people ask us about teenage drivers than almost anything else. They want to keep the costs down, and to know what to expect when their child gets behind the wheel. Nichole found this interesting article on MSN, showing the cost of adding a teen...Mon, 08 Aug 2011 10:03:34 -0500<span style="font-size: 16px;">More people ask us about teenage drivers than almost anything else. They want to keep the costs down, and to know what to expect when their child gets behind the wheel.<br /> <br /> Nichole found this interesting article on MSN, showing the cost of adding a teen driver in different states. Make sure you're sitting, before you read it.<br /> <br /> We're glad to be an independent agent, with the ability to quote so many insurance companies for our customers. It's the best way to keep the costs down. So if a teen driver is coming up in <em>your</em> life, contact us and we'll try to help.<br /> <br /> <a href="http://money.msn.com/auto-insurance/article.aspx?post=af0aaf0f-7fc1-4d16-aa63-c78584d67af8&amp;gt1=33033">MSN article about teen driver costs</a><br /> <br /> <img alt="" width="227" height="341" src="/img/%7Ewww.insurance-simplified.com/teenage%20driver%20insurance.jpg" /><br /> </span>urn:uuid:8d9b398b-27bf-4290-8397-f9765333b60c<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/Lord%20of%20the%20Rates%20with%20Agency%20Logo.jpg' align='left' />Did you see us in the Perrysburg Messenger last week? In case you missed it, Andy did a great job photo-shopping us into Hobbits. Of course, we've never really set out to save the world, but we do come into work every day to save you money, and mos...Wed, 03 Aug 2011 21:54:52 -0500<span style="font-size: 16px;">Did you see us in the Perrysburg Messenger last week? In case you missed it, Andy did a great job photo-shopping us into Hobbits. <br /> <br /> Of course, we've never really set out to save the world, but we <em>do</em> come into work every day to save you money, and most importantly, to make sure you get the insurance protection you need.<br /> <br /> <span style="color: #366092;"><strong>So whether you need home, car, health, or medicare supplement insurance, please call us for a quote. Or request a quote online. We'll go to the ends of the earth, to help you out!</strong></span><br /> <br /> <img alt="" width="531" height="545" src="/img/%7Ewww.insurance-simplified.com/Lord%20of%20the%20Rates%20with%20Agency%20Logo.jpg" /><br /> </span>urn:uuid:1031bfb1-aeb0-4b9c-9dd2-25ad8c2c9733<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/MEDICARE1.jpg' align='left' /> The Annual Enrollment Period for Medicare may still be two months away, but our office is already excited and prepared to help our clients choose a plan that fits them best. Andy and I have re-certified for the 2012 season and already this week we...Sat, 30 Jul 2011 17:55:00 -0500<span style="font-size: 16px;"><img alt="" src="/img/%7Ewww.insurance-simplified.com/Medicare%20maze.tiff" /><img alt="" width="445" height="349" src="/img/%7Ewww.insurance-simplified.com/MEDICARE1.jpg" /><br /> The Annual Enrollment Period for Medicare may still be two months away, but our office is already excited and prepared to help our clients choose a plan that fits them best. <br /> <br /> Andy and I have re-certified for the 2012 season and already this week we have helped some people enroll in Medicare supplement plans, and helped others enroll in Medicare advantage plans. <br /> <br /> One couple we met with this morning decided not to make any changes to the Medicare plan, and we were just happy to help them feel more comfortable with what the have. <br /> <br /> This year we will have Advantage Plans (Medicare Part C/Medicare Replacement) from Aetna, Humana and maybe even Anthem.&nbsp; For Medicare Supp we work with Anthem, UHC AARP, Medical Mutual, Anthem and Humana.&nbsp; <br /> <br /> Please feel comfortable calling us for help with your own Medicare coverage questions. </span>urn:uuid:0fd0bf1c-620f-45b7-893c-a8bf08f77b7cHave you ever rented a car while on a trip outside the country? If so, you know the insurance to cover that car can be quite expensive. Today we learned that one of our insurance companies has a package for your car insurance that covers you when y...Mon, 18 Jul 2011 16:11:35 -0500<span style="font-size: 16px;">Have you ever rented a car while on a trip outside the country? If so, you know the insurance to cover that car can be quite expensive. <br /> <br /> Today we learned that one of our insurance companies has a package for your car insurance that covers you when you rent a car internationally. <br /> <br /> That could save you some money on your next big trip. If you want to learn more, just contact us.<br /> </span>urn:uuid:f10fa62d-5b0b-4837-bab3-21728e36b28aWe love having so many companies to quote for you. No matter what kind of insurance you need, we can check multiple options for you. This saves you time and money, and means that we have happier customers. It's a win/win! See the video below, for a...Mon, 13 Jun 2011 13:06:22 -0500<span style="font-size: 16px;">We love having so many companies to quote for you. No matter what kind of insurance you need, we can check multiple options for you.<br /> <br /> This saves you time and money, and means that we have happier customers. It's a win/win!<br /> <br /> See the video below, for an overview of what's in it for you:<br /> <br /> <br /> </span><object width="520" height="370" align="middle" id="video_tool" codebase="https://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=9,0,0,0" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000"> <param name="allowScriptAccess" value="sameDomain"> <param name="allowFullScreen" value="false"> <param name="FlashVars" value="xml_policy=https://www.travelersagentvideo.com/SWF/crossdomain.xml&amp;xml_ref=https://www.travelersagentvideo.com/XML164A00.aspx"> <param name="movie" value="https://www.travelersagentvideo.com/SWF/video_tool.swf"> <param name="quality" value="high"> <param name="bgcolor" value="#ffffff"> <embed src="https://www.travelersagentvideo.com/SWF/video_tool.swf" flashvars="https://www.travelersagentvideo.com/SWF/crossdomain.xml&amp;xml_ref=https://www.travelersagentvideo.com/XML164A00.aspx" quality="high" bgcolor="#ffffff" name="video_tool" allowscriptaccess="sameDomain" allowfullscreen="false" type="application/x-shockwave-flash" pluginspage="https://www.macromedia.com/go/getflashplayer" align="middle" height="370" width="520"> </object>urn:uuid:3e3a72af-c68e-47b6-9549-f3f0281125dd<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/life-insurance.jpg' align='left' />A few years ago, an employee at one of our health insurance groups passed away unexpectedly. His family was, of course, devastated to lose him so suddenly. When his group life insurance claim was processed, his wife was horrified to discover that t...Fri, 10 Jun 2011 08:58:06 -0500<span style="font-size: 16px;">A few years ago, an employee at one of our health insurance groups passed away unexpectedly. His family was, of course, devastated to lose him so suddenly. <br /> <br /> When his group life insurance claim was processed, his wife was horrified to discover that the beneficiary listed on his policy was an <em>old girlfriend</em>!! He had never updated his beneficiary designation, after getting married. <br /> <br /> Talk about adding insult to injury.<br /> <br /> So where ever you have life insurance - at work, or on your own policies - double-check and make sure that your <em>current</em> wishes are reflected in who you have listed there. Remember, life insurance beneficiary designations override any other instructions. You want to get this right.<br /> <br /> <img alt="" width="252" height="167" src="/img/%7Ewww.insurance-simplified.com/life-insurance.jpg" /><br /> </span>urn:uuid:25df5b7b-c1cb-42bc-8363-45d03bf6c056As the video below mentions (starting at about the 1:30 mark), only 1 in 4 of these Toledo families had renters insurance. This kind of coverage is so affordable - make sure you, and those you know, have it. Tue, 07 Jun 2011 09:13:08 -0500<span style="font-size: 16px;">As the video below mentions (starting at about the 1:30 mark), only 1 in 4 of these Toledo families had renters insurance. This kind of coverage is so affordable - make sure you, and those you know, have it.<br /> <br /> <br /> </span><object width="400" height="268" id="otvPlayer"> <param name="movie" value="http://cdn.abclocal.go.com/static/flash/embeddedPlayer/swf/otvEmLoader.swf?version=&amp;station=wtvg&amp;section=&amp;mediaId=8174393&amp;cdnRoot=http://cdn.abclocal.go.com&amp;webRoot=http://abclocal.go.com&amp;configPath=/util/&amp;site="> <param name="allowScriptAccess" value="always"> <param name="allowNetworking" value="all"> <param name="allowFullScreen" value="true"><embed id="otvPlayer" type="application/x-shockwave-flash" allowscriptaccess="always" allownetworking="all" allowfullscreen="true" src="http://cdn.abclocal.go.com/static/flash/embeddedPlayer/swf/otvEmLoader.swf?version=&amp;station=wtvg&amp;section=&amp;mediaId=8174393&amp;cdnRoot=http://cdn.abclocal.go.com&amp;webRoot=http://abclocal.go.com&amp;configPath=/util/&amp;site=" height="268" width="400"></object>urn:uuid:b5099a17-91c0-470f-ad63-28a8ac9c2445<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/Golden%20Excellence%20-%20May%202011.png' align='left' />Join us in extending congratulations to local resident Jennifer Barkley. She was recently nominated by her peers and selected as the Perrysburg Schools Golden Excellence recipient. You can read the attached article from the Perrysburg Messenger for d...Tue, 31 May 2011 10:15:05 -0500<span style="font-size: 16px;">Join us in extending congratulations to local resident Jennifer Barkley. She was recently nominated by her peers and selected as the Perrysburg Schools Golden Excellence recipient. You can read the attached article from the Perrysburg Messenger for details.<br /> <br /> We have one more award to give out for the 2010-2011 school year, and we'll be sure to post it here.<br /> <img alt="" src="/img/%7Ewww.insurance-simplified.com/Golden%20Excellence%20-%20May%202011.png" /><br /> </span>urn:uuid:ff628772-5465-4675-800a-ba65eb7b5d10<img src='http://cdn.newsoxy.com/2011/05/homeowners-insurance-e1305121963539.jpg' align='left' />Article taken from Newsoxy By: Kara Gilmour - Staff Writer Published: May 11, 2011 Are you making the top homeowners insurance mistakes? We have a list of common mistakes people make when buying a policy for their new homes. You may be surprised on ...Wed, 11 May 2011 13:51:22 -0500Article taken from Newsoxy<br /> By: Kara Gilmour - Staff Writer<br /> Published: May 11, 2011 <p><img width="300" height="250" src="http://cdn.newsoxy.com/2011/05/homeowners-insurance-e1305121963539.jpg" alt="Top Homeowners Insurance Mistakes" class="alignleft size-large wp-image-24097" /><span style="font-size: 16px;"><br /> Are you making the top homeowners insurance mistakes? We have a list of common mistakes people make when buying a policy for their new homes. You may be surprised on what it actually covers.</span></p> <p><span style="font-size: 16px;">1. Not understanding the amount you are insured for. You are insured for the amount it would take to rebuild your house.</span></p> <p><span style="font-size: 16px;">2. Not understanding what is insured. Remember, you are insuring your dwelling and its contents, not the land. </span></p> <p><span style="font-size: 16px;">3. Buying inadequate coverage for your personal belongings. You can choose among &ldquo;replacement cost,&rdquo; &ldquo;actual cash value&rdquo; or &ldquo;guaranteed or extended replacement cost&rdquo; policies, according to the Insurance Information Institute (III). Actual cash value will replace your possessions minus a deduction for depreciation. </span></p> <p><span style="font-size: 16px;">4. Forgetting to insure against damage from natural disasters. Disaster coverage is not included in a standard policy and must be purchased separately. </span></p> <p><span style="font-size: 16px;">5. Assuming mold that results from water damage will be covered by home insurance. According to III, mold is generally not covered by a standard home policy. </span></p> <p><span style="font-size: 16px;">6. You home business<a style="font-weight: normal; font-size: 100%; text-decoration: underline; border-bottom: 0.075em solid darkgreen; padding-bottom: 1px; color: darkgreen; background-color: transparent;" class="itxtrst itxtrsta itxthook" href="http://www.newsoxy.com/business/top-homeowners-insurance-mistakes-24081.html#" id="itxthook0" rel="nofollow"></a> is not covered by standard home insurance.</span></p> <p><span style="font-size: 16px;">7. Underinsuring your valuables. Art and jewelry, or anything else particularly valuable, should be insured separately under riders to your home insurance policy<a style="font-weight: normal; font-size: 100%; text-decoration: underline; border-bottom: 0.075em solid darkgreen; padding-bottom: 1px; color: darkgreen; background-color: transparent;" class="itxtrst itxtrsta itxthook" href="http://www.newsoxy.com/business/top-homeowners-insurance-mistakes-24081.html#" id="itxthook1" rel="nofollow"></a> so that they are fully covered. </span></p> <p><span style="font-size: 16px;">8. Not keeping a list of your belongings. If your property is damaged, you&rsquo;ll wish you had a comprehensive home inventory of everything you own.</span></p> <p><span style="font-size: 16px;">9. Lacking appropriate liability insurance. If you have assets and potential liabilities, like a swimming pool, consider an umbrella policy in addition to your home and car<a style="font-weight: normal; font-size: 100%; text-decoration: underline; border-bottom: 0.075em solid darkgreen; padding-bottom: 1px; color: darkgreen; background-color: transparent;" class="itxtrst itxtrsta itxthook" href="http://www.newsoxy.com/business/top-homeowners-insurance-mistakes-24081.html#" id="itxthook2" rel="nofollow"></a> insurance policies. Read more about how umbrella policies extend your coverage.</span></p> <p><span style="font-size: 16px;">10. Assuming your insurance will always cover dog bites. Some home insurers have lists of breeds and crossbreeds they will not insure or charge more for certain &ldquo;biting&rdquo; breeds such as pit bulls.<br /> <br /> http://www.newsoxy.com/business/top-homeowners-insurance-mistakes-24081.html</span></p>urn:uuid:eae952b2-1518-4b11-b365-7ffe25b4db27<img src='http://www.insurance-simplified.com/img/%7Ewww.insurance-simplified.com/The-Royal-Wedding-Prince-William-and-Kate-Middletons-b.jpg' align='left' />Are wedding bells in your future, or the future of a family member? Well, you can get insurance for that. Rates start as low as $160. It's easy to rate and apply. See the link for details about the coverage, and pricing. And call us if you have any q...Thu, 05 May 2011 08:20:57 -0500<span style="font-size: 16px;">Are wedding bells in your future, or the future of a family member? Well, you can get insurance for that. Rates start as low as $160. It's easy to rate and apply. See the link for details about the coverage, and pricing. And call us if you have any questions, or to start a policy.<br /> <br /> <span style="font-size: 16px;"><a href="http://www.travelers.com/personal-insurance/wedding-insurance/index.aspx">Click here for coverage info, and rates.</a></span><br /> <br /> <img alt="" src="/img/%7Ewww.insurance-simplified.com/The-Royal-Wedding-Prince-William-and-Kate-Middletons-b.jpg" /><br /> </span>urn:uuid:13f15895-6a04-402b-a90c-37c6abcaa2c7<img src='http://badge.facebook.com/badge/173395376042579.1586.1794182274.png' align='left' />Have you visited our Facebook page yet? If not, please check us out, there. And if you feel so moved, please "like" our page. It's one more way you can keep in touch with us. Griffioen Insurance Agency&nbsp;|&nbsp;Promote Your Page Too Wed, 20 Apr 2011 13:00:20 -0500<span style="font-size: 16px;">Have you visited our Facebook page yet? If not, please check us out, there.<br /> <br /> And if you feel so moved, please "like" our page. It's one more way you can keep in touch with us. <br /> <br /> </span> <!-- Facebook Badge START --><a title="Griffioen Insurance Agency" style="font-family: &quot;lucida grande&quot;,tahoma,verdana,arial,sans-serif; font-size: 11px; font-variant: normal; font-style: normal; font-weight: normal; color: #3b5998; text-decoration: none;" target="_TOP" href="http://www.facebook.com/griffioenagency">Griffioen Insurance Agency</a><span style="font-size: 11px; line-height: 16px; font-variant: normal; font-style: normal; font-weight: normal; text-decoration: none; font-family: &quot;lucida grande&quot;,tahoma,verdana,arial,sans-serif; color: #555555;">&nbsp;|&nbsp;</span><a title="Make your own badge!" style="font-family: &quot;lucida grande&quot;,tahoma,verdana,arial,sans-serif; font-size: 11px; font-variant: normal; font-style: normal; font-weight: normal; color: #3b5998; text-decoration: none;" target="_TOP" href="http://www.facebook.com/business/dashboard/">Promote Your Page Too</a><br /> <a title="Griffioen Insurance Agency" target="_TOP" href="http://www.facebook.com/griffioenagency"><img alt="" width="360" height="124" style="border: 0px none;" src="http://badge.facebook.com/badge/173395376042579.1586.1794182274.png" /></a><!-- Facebook Badge END -->urn:uuid:92410d11-5d27-46ae-bae2-ac29fe120febHans found this video, which made us laugh. You can jump to about 25 seconds in the video. And not long after that, he says how happy he was to be drafted into the NFL, so he wouldn't have to sell insurance. Isn't it funny how insurance used to be th...Wed, 20 Apr 2011 08:13:31 -0500<span style="font-size: 16px;">Hans found this video, which made us laugh. You can jump to about 25 seconds in the video. And not long after that, he says how happy he was to be drafted into the NFL, so he wouldn't have to sell insurance. Isn't it funny how insurance used to be the go-to career if you couldn't do anything else? (And maybe real estate sales.)<br /> <br /> Who knows - maybe he would have been an awesome agent. But all of us at the Griffioen Agency love our jobs, and would rather be in insurance than pursue NFL careers. So we can't help you much with football (other than discussing it). But you can call us for help for insurance quotes or service.</span> <br /> <br /> <iframe width="640" height="390" frameborder="0" title="YouTube video player" src="http://www.youtube.com/embed/1pz5rQSEOPM"></iframe>urn:uuid:df16684d-16eb-44b5-a433-cde62ccc00e4Bill came across this article about teen-driver crashes. Excessive speed, and distractions were two big contributors. Take a look, and then drive carefully, everyone! Read the article here. Tue, 12 Apr 2011 14:43:49 -0500<span style="font-size: 16px;">Bill came across this article about teen-driver crashes. Excessive speed, and distractions were two big contributors. <br /> <br /> Take a look, and then drive carefully, everyone!<br /> <br /> <a href="http://www.insurancejournal.com/news/national/2011/04/11/194018.htm?ref=et">Read the article here.</a><br /> </span>urn:uuid:ea3a155a-b2b9-4060-b812-7b741658984eThe Wall Street Journal just released its list of best (safest) cars for teens to drive. Is yours on the list? Follow this link to read the article for yourself. And whatever car you or your teen uses, please drive carefully! Thu, 07 Apr 2011 08:12:12 -0500<span style="font-size: 16px;">The Wall Street Journal just released its list of best (safest) cars for teens to drive. Is yours on the list? <br /> <br /> <a href="http://online.wsj.com/article/SB10001424052748703712504576244871890273248.html">Follow this link</a> to read the article for yourself.<br /> <br /> And whatever car you or your teen uses, please drive carefully!<br /> </span>urn:uuid:127ce244-baf2-494b-827b-96a31f37e550IntelliDrive is a great option for people who&hellip; Are looking for savings on their auto insurance; Want peace of mind on how their children are driving; or &nbsp; Don&rsquo;t drive as much as they used to. How does it work? When y...Mon, 28 Mar 2011 08:56:40 -0500<span style="font-size: 16px;"><strong>IntelliDrive is a great option for people who&hellip;</strong><br /> </span> <ul> <li><span style="font-size: 16px;">Are looking for savings on their auto insurance;</span></li> <li><span style="font-size: 16px;">Want peace of mind on how their children are driving; or &nbsp;</span></li> <li><span style="font-size: 16px;">Don&rsquo;t drive as much as they used to.</span></li> </ul> <span style="font-size: 16px;"><strong>How does it work?<br /> </strong><br /> When you sign up with IntelliDrive you receive an immediate 5% discount. Low mileage drivers may be eligible for an additional discount at renewal &ndash; up to 20%.<br /> <br /> <span style="color: #0070c0;">Travelers mails to you a little device that you plug into your car's on-board computer. And even if you drive LOTS of miles, you still get the 5% discount for using their system. You can't lose!</span><br /> <br /> You can also set it up to help you monitor the driving habits of your teenagers. For example, you can set it up to send you a notification if the car is driven above a speed limit that you specify. <br /> <br /> Call us for a quote, or to add this discount to your car insurance if you're already with Travelers.<br /> </span>urn:uuid:2d50b2f8-c313-4ffc-bd14-2a40b8a90a3fCongratulations to Dan Creps, recipient of February's Golden Excellence Award. Hans Griffioen presented the award to Dan at the school board meeting. You can read about Dan in the attached article, clipped from the Perrysburg Messenger Journal. We'...Mon, 21 Mar 2011 13:46:17 -0500<span style="font-size: 16px;">Congratulations to Dan Creps, recipient of February's Golden Excellence Award. Hans Griffioen presented the award to Dan at the school board meeting. You can read about Dan in the attached article, clipped from the Perrysburg Messenger Journal. <br /> <br /> We've been sponsoring this award with Perrysburg Schools for almost 11 years now. Where does the time go?<br /> <br /> <img alt="" src="/img/%7Ewww.insurance-simplified.com/Golden%20Excellence%20-%20Feb%202011.jpeg" /><br /> </span>urn:uuid:6d1088b6-9a86-4db4-8bc4-00577d060bdf March Madness is appropriate for so many reasons.&nbsp; Obviously the tournament is about to get started and madness will ensue.&nbsp; The weather in March is pure madness, and it creates potholes which lead to not just madness, but frustration and ...Wed, 16 Mar 2011 13:18:13 -0500<span style="font-size: 16px;"><br /> March Madness is appropriate for so many reasons.&nbsp; Obviously the tournament is about to get started and madness will ensue.&nbsp; The weather in March is pure madness, and it creates potholes which lead to not just madness, but frustration and anger.<br /> <br /> Thankfully for the Toledo area Majestic Automotive is helping reduce the impact of cracked rims, and flat or worn tires.&nbsp; In addition, they will discount suspension repairs 10%.&nbsp; This offer will be available through April, 2011.&nbsp; Hopefully by then the city will have had some time to repair the roads.</span> <span style="font-size: 16px;"><br /> <br /> Majestic Automotive will also offer 10% off any auto repair for&nbsp;Griffioen Agency&nbsp;clients (limited to a total of $100 off) excluding oil changes.</span> <span style="font-size: 16px;"><br /> <br /> We've known the people at Majestic Automotive for many years, and we're glad to pass along these savings to you, our customers.</span> <span style="font-size: 16px;"><br /> <br /> Hans</span>urn:uuid:8bbf4a7c-a438-45e8-9c43-8c0482c1595eFor appliances and furniture, President's Day weekend features great prices.&nbsp; Black Friday has no end of fantastic deals that people will wait in the cold for hours just to have a shot at one of them, and every haggler knows that December is the...Mon, 21 Feb 2011 19:21:12 -0600<span style="font-size: 16px;">For appliances and furniture, President's Day weekend features great prices.&nbsp; Black Friday has no end of fantastic deals that people will wait in the cold for hours just to have a shot at one of them, and every haggler knows that December is the best time to buy a car.<br /> <br /> Remarkably, for as much as people spend on insurance most do not know when they stand to gain the most by shopping.&nbsp; There are a few things to keep in mind as you consider quoting your insurance.</span> <span style="font-size: 16px;"><br /> <br /> Insurance companies are more sophisticated than ever and thus there is not a weekend that we can promise better rates.&nbsp; Your rate is based off your demographic and driving history.&nbsp; Thus, you will see the biggest change in your rates with demographic changes.</span> <span style="font-size: 16px;"><br /> <br /> Carriers consider the number and value of the cars being insured, they look at the number of drivers in each household.&nbsp; Then, they compare how many drivers there are with the number of cars and each drivers history.&nbsp; Then, after considering the coverage requested they release a quote.</span> <span style="font-size: 16px;"><br /> <br /> As long as those factors do not change the carriers will not make dramatic changes to their quotes.&nbsp; However, when one of those factors change (a teenage driver comes on or off the policy, or you add or remove an accident) the rates for most all of the carriers will change significantly.</span> <span style="font-size: 16px;"><br /> <br /> The good news is that you are in control.&nbsp; You do not have to hope that a store manager will get aggressive and red tag every item in the store.&nbsp; You can drive safely and have accidents or tickets fall off your record without adding new ones.&nbsp; Just remember to call us when you go through one of these changes and we will be happy to keep our best foot forward.</span> <span style="font-size: 16px;"><br /> <br /> Hans</span> <span style="font-size: 16px;"><br /> </span>urn:uuid:49824133-f64b-4541-b4a5-acff1a0a528aEarlier this year the director of the Congressional Budget Office (CBO) reported to the House Budget Committee on his agency's recently completed in-depth study of the affects of Health Care Reform laws passed in 2010.&nbsp; He explained that the CBO...Wed, 16 Feb 2011 13:36:45 -0600<span style="font-size: 16px;">Earlier this year the director of the Congressional Budget Office (CBO) reported to the House Budget Committee on his agency's recently completed in-depth study of the affects of Health Care Reform laws passed in 2010.&nbsp; He explained that the CBO estimates that the Health Care Reform laws of 2010 would reduce employment by 800,000 jobs by 2021.&nbsp; Here is the text of the exchange:<br /> </span> <p><span style="font-size: 16px;"><strong>Rep. [John] Campbell</strong>: Thank you, Mr. Chairman, we'll -- and Dr. Elmendorf -- and we'll continue this conversation right now. First on health care, before I get to -- before I get to broader issues, you just mentioned that you believe -- or that in your estimate, that the health care law would reduce the labor used in the economy by about 1/2 of 1 percent, given that, I believe you say, there's 160 million full-time people working in '20-'21. &nbsp;That means that, in your estimation, the health care law would reduce employment by 800,000 in '20-'21. Is that correct?&nbsp;</span></p> <p><span style="font-size: 16px;"><strong>Director Elmendorf</strong>: Yes. The way I would put it is that we do estimate, as you said, that...employment will be about 160 million by the end of the decade.&nbsp; Half a percent of that is 800,000.</span></p> <span style="font-size: 16px;"> Here is the Link to the article quoting the text on the Weekly Standard Website:<br /> <a href="http://www.weeklystandard.com/blogs/cbo-director-says-obamacare-would-reduce-employment-800000-workers_547288.html">CBO Says Health Care Reform Would Reduce Employment by 800,000 Workers</a></span>urn:uuid:a95a58b0-5a73-419d-b76c-0de15e9dab35We hate to give anyone bad news. And one of our least favorite situations is when we have to tell someone that - due to their pre-existing health conditions - they cannot get approved for health insurance coverage. Of course, most people with pre-e...Wed, 16 Feb 2011 12:53:03 -0600<span style="font-size: 16px;">We hate to give anyone bad news. And one of our least favorite situations is when we have to tell someone that - due to their pre-existing health conditions - they cannot get approved for health insurance coverage. <br /> <br /> Of course, most people with pre-existing conditions CAN get coverage with us. But things like diabetes, past or current heart problems or cancer, can sometimes be a huge obstacle. <br /> <br /> In some circumstances, people in this situation can get coverage through the Ohio Risk Pool. It's not available through agents like us. You have to go directly to the state for it. You also have to meet certain conditions, like being <em>without</em> coverage for six months. But if it's a fit for you, it could be a lifesaver.<br /> <br /> For more information, or to apply, visit <a href="http://www.ohiohighriskpool.com">www.ohiohighriskpool.com</a>.</span>urn:uuid:9f6f01b0-700f-4f92-a0ab-46da50c03ba5As featured in the Perrysburg Messenger Journal. Congratulations, Rachel! Thu, 03 Feb 2011 07:50:48 -0600<span style="font-size: 16px;">As featured in the Perrysburg Messenger Journal. Congratulations, Rachel!</span><br /> <br /> <img alt="" src="/img/%7Ewww.insurance-simplified.com/Golden%20Excellence%20-%20Jan%202011.jpeg" />urn:uuid:817da4fb-26a8-4168-9cc4-d5f7b318bea6You can often judge something&rsquo;s value by it&rsquo;s cost. An experience with one of my customers has reminded me recently that health insurance is one of those things. It can be expensive, but it can also be very much worth it. Last summer, I ...Wed, 02 Feb 2011 10:11:56 -0600<span style="font-size: 16px;">You can often judge something&rsquo;s value by it&rsquo;s cost. An experience with one of my customers has reminded me recently that health insurance is one of those things. It can be expensive, but it can also be very much worth it.<br /> <br /> Last summer, I sat down with this customer - a gentleman I&rsquo;d been acquainted with for about 10 years. He was getting a new job, and wanted help figuring out what to do about health insurance for the three months before his new coverage began, at his new employer.<br /> <br /> We looked at COBRA from his old employer, as well as several other options. He even considered going without coverage, since the time period was so short, and because neither he nor his wife had any health issues.<br /> <br /> In the end, he settled on a lower-cost HSA with a solid insurance company, and he started his new job.<br /> <br /> Then, two weeks before his work coverage was to kick in, he suddenly had a massive stroke. Thankfully he survived. But he was in the hospital for over a month, and then had extensive rehabilitative therapy to endure. <br /> <br /> <span style="color: #ff0000;"><strong>One hospital bill alone was for over $200,000.</strong></span> And of course many other doctors sent their own bills too. <br /> <br /> The important thing is that he got the care that he needed, and because of his health insurance, his finances are going to be just fine. He can keep that policy until age 65 if he wants, so he doesn&rsquo;t ever have to worry about losing health insurance.<br /> <br /> It&rsquo;s a good reminder to me that insurance (of any kind) is really for those large, unexpected, potentially devastating costs. Even though you may go years without any claims, if you have just one, the coverage can save the day. And even if you don&rsquo;t have claims, you can have the peace of mind of knowing that your affairs are in order, and that you are protected. <br /> <br /> On a personal note, when this customer&rsquo;s wife said I could share their story with you, she was kind enough to add, &ldquo;You have been a great insurance agent and friend during this time.&rdquo; <br /> <br /> These are the experiences that make me feel really proud of what we do here. And my thoughts and prayers are with this couple, for the recovery ahead.</span>