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Are You Making These Insurance Blunders?

When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.

Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."

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Ingredients

•    3 cups oats
•    1/2 cup pecans, chopped
•    1/4 cup blanched almonds, chopped
•    1/3 cup sunflower seeds
•    1/3 cup sesame seeds
•    1/3 cup wheat germ
•    1/4 cup canola oil
•    3 tablespoons dark brown sugar
•    3 tablespoons maple syrup
•    1 teaspoon vanilla
•    1 teaspoon cinnamon
•    1/4 teaspoon salt
•    1/2 cup diced dried apples
•    1/2 cup dried dates
•    1/2 cup raisins

Preheat oven to 300? F. Mix together oats, pecans, almonds, sunflower seeds, sesame seeds and wheat germ. In a separate bowl, mix together canola oil, brown sugar, maple syrup, vanilla, cinnamon and salt. Pour over oat mixture. Spread in foil-lined 10” x 15” pan. Bake, stirring every 15 minutes, approximately 40 minutes or until golden. Add dried apples, dates and raisins, toss well, and cool.

4 Essential Rules for a New Year Insurance Checkup

As the New Year approaches, it is only natural to reflect on changes that took place over the past year. It’s also the perfect time to assess your insurance needs and take steps to protect your financial future for the year to come.

Schedule a time to speak with your insurance agent if any of the following apply:

Change in marital status: Everything from auto coverage to beneficiaries on life insurance may need to be updated to reflect a change in marital status. Other policies likely to be impacted include medical, homeowners and ancillary policies. Be sure to notify agents about any name changes as well.

Relocation: It’s easy to forget to change insurance information during the hustle and bustle of moving, but auto insurance and other policies are impacted (for better or worse) by zip codes. Make sure all contact information is up to date for all forms of insurance.

Children: Whether you have just welcomed a new addition to the family or sent the last one off to college, children make a big difference when it comes to insurance. Other commonly encountered situations that impact insurance include new drivers and teens traveling on their own.

Change in employment status: Retirement, starting a new business, unemployment and other lifestyle changes require extensive re-evaluation of insurance needs. Everything from auto mileage discounts to medical coverage is likely to be impacted by employment status.
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