Archive for the ‘Insurance’ Category

Do you have more than the minimum?  Currently the majority of the states only require a minimum ($25,000 per person / $50,000 per accident an $10,000 in property damage) of liability coverage.  If your agent has sold you this amount of coverage then the only thing they are protecting you from is a ticket if you get pulled over.

As an insurance advisor, I have to recomend coverage that would properly cover you and I don’t know about you, but there is not much you can get done for $25,000 if you were seriously hurt in a crash, not to mention $10,000 doesn’t cover much with the price of vehicles on the road today.

I do have to give props to the state of Wisconsin though,  I just saw an article that the minimum limits allowed by law have been increased from 25,oo0 / 50,000 to 100,000 / 300,000 in the state of Wisconsin.  Not only does this more accurately reflect the minimum policy that one should have in todays dollars, but more often than not depending on what company you are with, there is another company that will give you the higher limits for less than what you are paying for your state minimums.

I guess my point is, just as in all my posts.  Take time to interview the person whos job is to look after your best interest, not the one just trying to sell you a policy on price.

While I do enjoy saving people money, properly protecting them is my first priority.  In most situations I can do both really well, properly protect and save a good chunk of money.

There is never any charge for answers to your questions, an the only dumb one is the one you won’t ask so give me a call (816-254-6100) and let me show you what a real insurance advisor should do.

Until next time

Travis

To my clients, friends, and family,

THANK YOU!

Thank you for your trust and appreciation with your referrals!  By referring your friends, family and co-workers to me, it lets me know that we are doing something right.  If we were not serving you like you should be served, we wouldn’t have all the awesome referrals that we do.

With that being said, we want to show our appreciation even more for your referrals.  We (as in the Mochel Insurance Agency) have started our 2010 Referral Program to thank you for your continued referrals.

2010 Referral Program

Send us someone to quote we send you a $10 Gas Card! (Even if we don’t write a policy!)

Quarterly $100 VISA Gift Card drawing (For every referral you get one entry)

42″ Flat Screen TV! (Anyone who provides a referral from Jan 1st through December 10th is eligible to win!)

There is no limit for the number of entries you can receive!  Please only refer truly interested parties – Thanks!

Have questions or know of someone who we can help  Call 816-254-6100 or send me a message here

As a business owner, do you know if your employees understand the true value of the benefits that you provide to them?

Chances are they do not understand the true value of the total package.

When I am sitting down with someone who has either lost or quit their job for what ever reason, the biggest coment I hear when looking at the cost of health insurance is:

I only paid $150 per month at my old job, why is it $600 per month now when I am getting it on my own?

There are some that do understand that their employers pay half, if not most of their health benefits, but most of them do not.  This is where the education factor comes in and why we use an employee benefits statement.

Using an employee benefits statement not only shows how much their compensation is, but it can also show how much their total compensation package is for working at your business.  You know that what you pay them every week or month is not the total cost and by your employees knowing what their total benefits package is makes them appreciate you and their job that much more.

By using a statement like the one above, your employees now feel more valued because they understand it’s not just the $23,000 that they take home, they actually are being compensated almost $31,000.

Now wouldn’t you feel more appreciated at a job that pays you almost $31,000 as apposed to a job that only pays you $23,000?  You are already paying them that, let us help you communicate that to them for free.

By a vote of 60-39, with all Democrats & Independents voting Yes and all Republicans voting No, the Senate invoked cloture, which will allow them to move forward and begin formal debate on health care legislation & amendments. Debate will begin after the Thanksgiving recess.

http://www.c-span.org/

The debate began at 2pm today.  You can watch it live on C-Span.  The fact that the Democratic Leaders brought this up for debate indicates that they have the votes to pass it.  The debate is scheduled to last for 4 hours.