Shield Referral Program
Your referral can make a difference for Roslyn. Shield Insurance is helping Roslyn by donating $25 for each non-client who gets a quote from us! No purchase necessary! CLICK HERE to get a quote and we’ll donate $25 to her! (Be sure to mention Roslyn in the comment section!) You can also call or text the office and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros!
More great stories featuring Roslyn…
Shield Insurance Agency & Foremost Insurance Company present Insurance Terms
Every industry has its own unique language – and insurance is no exception. Here are some key insurance definitions and terms you might come across as you consider insuring yourself or your stuff.
Stress Awareness Month – April 2021
Stress can be debilitating, and it can cause and/or aggravate health problems. And since stress is a normal part of human existence — nobody is immune to it — it’s important to arm ourselves with knowledge so that we recognize when stress rears its ugly head. (Amazingly, we don’t always notice it’s happening to us.) Stress Awareness Month happens each April. It’s important to learn some strategies for coping with this particular silent scourge. You’ve come to the right place for that. Let’s get started!
STRESS AWARENESS MONTH TIMELINE
HOW TO OBSERVE STRESS AWARENESS MONTH
1. Practice meditation
One of the most effective ways to deal with stress is to learn how to silence the mind. Meditation is one of the most popular methods of achieving this quiet.
Another way to battle the debilitating effects of stress is to exercise. Whether you’re a jogger, bicyclist our just like to take long walks, be sure to get some fresh air and exercise into your daily routine.
3. Visit your doctor
They’re really in the best position to get your started on the path to a stress-free lifestyle. Make an appointment today.
4 STRESSFUL FACTS YOU NEED TO KNOW
- Stress can help — sometimes
- According to the National Institute of Mental Health, “stress can motivate people to prepare or perform and might even be life-saving in some situations.”
- It’s sickening — literally
- People under stress – especially those prone to chronic stress — are more susceptible to a variety of ailments, from headaches and insomnia to high blood pressure and heart disease.
- Stressed? Here’s why
- A survey by the American Psychological Association found that the five factors most often cited as a source of stress were money, work, family, economic outlook, and relationships.
- America’s highest and lowest stress states
- A report on WalletHub found that the most stressed-out states in America are Louisiana, New Mexico, and West Virginia. The least? Minnesota, North Dakota, and Utah.
WHY STRESS AWARENESS MONTH IS IMPORTANT
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Get Gardening Muscles in Shape and Prevent Injuries. Before digging, pruning, and planting, make sure you’re ready for the work
by Susan Moeller, AARP, March 15, 2021
Christine Zellers tries to run five miles every day and, at 53, considers herself to be in shape. But even she admits that gardening can leave her sore and achy.
“I feel it, especially in the beginning of the season,” she says.
Zellers, an assistant professor of family and community health sciences with Rutgers Cooperative Extension of Cape May County, New Jersey, teaches gardening, leads group exercise classes, and grows vegetables and herbs in her own garden in Ocean City, New Jersey. To protect her body, she tries to remember to stretch and limber up before heading out to dig, plant, or lug big pots around.
“You want to be thinking about the kind of movement you’re going to do and make sure you’re strengthening those body parts, like your core and your back and your legs and your quadriceps,” she says. “So you want to warm up a little bit just like you would if you were going for a run or doing an exercise class.”
Gardeners and health experts warn against jumping into gardening activities without some pre-game preparation to build strength, stamina and aerobic power and prevent injury.
For example, if your core body strength is off, your balance is also off, making falls a risk, says Maura Daly Iversen, a physical therapist and dean of the College of Health Professions at Sacred Heart University in Fairfield, Connecticut. And you need aerobic capacity to do the work, she says.
“My friends that don’t garden think it’s light work,” says Iversen, who admits to being an “over-50” gardener. “But it can be pretty hefty work when you’re removing bushes and whatever. So I think cardiovascular fitness is also important.”
No gym membership needed
Dave’s Easiest Money-Saving Tip
4 MINUTE READ | DECEMBER 17, 2020
Everyone loves saving money—especially after the year we’ve just come out of. 2020 was a rough one, and there’s no denying people are looking for even more ways to save a buck or two going into the new year.
You probably already know some of the usual ways to cut back on your expenses—everything from packing brown-bag lunches to having an extreme no-spend month. But here’s an easy one you might not have thought of yet. And it could save you a lot of money.
So, what’s the secret we’ve got up our sleeve here? Shopping for insurance with the help of an independent insurance agent like Shield Insurance Agency! (Didn’t see that one coming, did you?) Hear us out, though. This easy saving tip is worth your time!
The Difference Is in the Name
Why is an independent insurance agent such an easy money saver, you ask? It’s all in the word independent. They’re not limited to a single insurance provider’s options. With access to a whole network of insurers, an independent agent casts a wider net to find you the best deals on the coverage that’s right for you. It’s like having your own personal shopper . . . but for insurance. Connect with Shield Insurance Agency today and save more.
And you can feel confident knowing your independent agent doesn’t have a stake in the game when it comes to which provider or policy you choose. They don’t get paid extra for helping you choose a specific one—so, at the end of the day, the choice is yours!
Old Policies Aren’t Always Better
The only constant in life is change, right? We all know that. But a lot of people treat their insurance policy like a bottle of wine that just gets better with age. Spoiler alert: Insurance doesn’t work like that.
Never taking a second look at your insurance policy is a mistake that could cost you. In fact, a recent survey found that one out of every three Americans with homeowner’s or car insurance have never shopped around for better coverage. Ever. That means they could be missing out on new discounts that apply to where they’re currently at in life.
Did Junior get good grades this semester? Did you get married recently? Drive a different car these days? All of that might impact your insurance rates.
After 15 years with the same auto insurance company, Zach D. decided to give an independent agent a try. Now his family is saving $1,200 a year on the exact same coverage.
It’s About More Than Your Bottom Line
You also shouldn’t have to sacrifice your coverage quality to save a buck. Saving money is awesome. But cutting costs shouldn’t mean cutting corners. A true pro takes time to walk you through your coverage options so you can make the decision that’s right for you.
Sadly, this basic level of service isn’t always part of the package. Many people don’t fully understand the details of their insurance policies at all. And if you’re confused about what’s covered and what’s not, that could really cost you. Things like floods, earthquakes, and normal wear and tear are not usually covered under a basic homeowner’s policy.2
So be sure you know what you’re paying for. No one wants to be surprised in the middle of a crisis when they’re trying to file a claim. Take our 5-Minute Coverage Checkup to make sure you have the right kind of coverage you need.
Brandi’s insurance premiums went up 10%. With help from her independent insurance agent, she cut her rate by 20% and got increased coverage with lower deductibles.
Start Saving Today
What would you do with an extra $700 or more to your name? That’s how much people save on average by having an insurance Endorsed Local Provider (ELP), like Shield Insurance Agency, check out their rates. With that kind of extra money, you could knock out your debt snowball, boost your retirement fund, or get hustling on paying off your mortgage. The possibilities are endless! So what are you waiting for?
Parents encouraged to talk to teen drivers about the importance of driving safely
How Parents Can Help Teen Drivers
Motor vehicle crashes are the leading cause of death for teens 15-18 years of age in the United States, ahead of all other types of injury, disease, and violence. Inexperience and risk-taking behavior are factors that increase the crash risk for teens.
“Parents can help protect their teens by talking with them about how to avoid risky driving behaviors,” said Michael L. Prince, OHSP director. “Because of their lack of experience, teen drivers are at a greater risk of being killed or injured in a crash. That is why it is so important to start a conversation with teens and encourage safe driving practices.”
In Michigan, teens and young adults age 15-20 years old, accounted for 7.6 percent of all traffic deaths in 2018, with 55.4 percent of those deaths being the driver. In addition, 9,637 teenagers and young adults were injured in motor vehicle crashes in 2018, representing 12.7 percent of all people injured in a crash.
Michigan, and other states, have adopted Graduated Driver Licensing (GDL) laws for teen drivers as a way to promote safety behind the wheel and reduce serious injury and death in a crash. Teens face the greatest risk of a crash during their first year of driving. GDL programs limit high-risk driving among teens and can reduce teen crash risk by as much as 50 percent. For more information on the GDL program in Michigan, visit: www.michigan.gov/teendriver.
A unique opportunity for teens to teach other teens about safe driving, is the Strive for a Safer Drive (S4SD) program. Students at every Michigan high school can participate in S4SD, with cash prizes awarded to the top five winning entries. Parents and teachers are urged to discuss the opportunity with teens and encourage participation in the program. Applications are due Nov. 14. Application information, including examples of winning campaigns, can be found at: https://www.michigan.gov
The National Highway Traffic Safety Administration also provides information parents can use to help keep teens safe including tips on seat belt safety, distracted driving, impaired driving, and speeding. For more details on Teen Driver Safety Week, including safe driving tips for parents and teens, visit: www.nhtsa.gov/road-safety/teen-driving.
Be sure to visit our informative insurance Blog for more great articles!
“If you’re looking to save hundreds, even thousands, on your insurance costs, consider Dave’s number-one tip: Purchase your coverage through an independent insurance agent, which is an agent who represents several insurance companies instead of working for just one carrier.” – Dave Ramsey
Shield Insurance Agency is a 3rd Generation Agency providing all Independent Agents
In today’s economy we cut coupons, look for BOGO’s, and try to find the best insurance coverage for our buck. With insurance agents, there are two types – Captive and Independent.
A captive agent is one who works for one specific company and is able to provide one companies products.
An independent agent is one who sells insurance products for several different companies but does not work for a specific company. So as we spend our time looking for ways to trim costs, one easy way to do that is to contact your local independent insurance agency and see how they can help.