Get Real Value with The Lowest Life Insurance Prices Anywhere

Women are doing more than ever; working full time, chief buyer for most households, chief caregiver, head accountant, but we still insure most women like it's 1950. Inexplicably women are still underinsured.

The times they are a changing and we need to keep up. Women comprise 57% of the U.S. labor force and are the primary breadwinner or co-breadwinner in 64% of households. If Mom were to have an untimely death most households would be devastated both emotionally and financially. Yet women have 31% less life insurance than men. Time for that to change! As an added bonus, we can cover most women without an exam!

Healthy Female 20 Year Guarantee Term $500,000 - 20 Year Term Female 35 - $19 Monthly Female 45 - $38 Monthly Female 55 - $85 Monthly

Healthy Female 40 Year Guarantee Term $250,000 - 40 Year Term Female 35 - $29 Monthly Female 40 - $49 Monthly Female 45 - $78 Monthly

Female NO EXAM NEEDED 15 Year Guarantee Term $1,000,000 - 15 Year Term Female 50 - $77 Monthly Female 60 - $186 Monthly Female 69 - $518 Monthly

Female Lifetime Coverage with 4% Long Term Care Coverage Added $250,000 - Lifetime Coverage w/ LTC Female 40 - $116 Monthly Female 50 - $181 Monthly Female 60 - $299 Monthly

Whether it's for Yourself or Your Family Member, Start Saving Money Today! http://www.DougMyrick.com

Doug Myrick

Is it stress you're feeling - find out now

Sometimes the holidays can have you feeling more stressed or overwhelmed.  CareOptions can help you, a family member or friend with early detection of possible anxiety concerns with the interactive Anxiety Assessment. 

According to the National Institute on Mental Health, anxiety affects approximately 40 million American adults or about 18.1% of the adult population, and it is the most widespread mental health problem in the world today. The stress of the holidays can make things even worse.

Millions suffer with anxiety that is severe enough to interfere with their everyday lives. By being proactive and taking the Anxiety Assessment, concerns may be detected early and can then be addressed appropriately with a mental health professional before they become unmanageable.

Enjoy the holiday season, don't stress over it!  Take the Anxiety Assessment here along with all the other assessments available to you and your family in CareOptions. Early detection and prevention are key to keeping yourself and your family healthy.

Have a happy and healthy holiday season!

Log on to www.CareOptions.net and
enter your Passcode BK4801

Holiday Greetings

It is the time of year to spend time and create memories with the ones you care about most: Family, Friends, Kids, Grand Kids and if you're really lucky Great Grand kids!

Whether you are celebrating a holiday or not. Please have a happy and safe holiday season!

We are truly blessed to have been able to work with you this year,
and we look forward a great 2019. 

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Three Useful Tips For Preventing Common Workplace Accidents

Don’t leave anything to chance where workplace safety is concerned. It’s an all-encompassing challenge, but here are three solid tips to start with today:

• Keep your floors clear of all cords and wires. Lots of office injuries are due to people’s tripping over electrical cords that they didn’t see while walking through the workplace.

• Secure all desk and filing cabinets to the floors or wall. You don’t want them to tip over if they become overloaded or unbalanced, or topple in the event of a storm or earthquake.

• Keep storage areas clean. Shelves should be organized and orderly. Don’t leave boxes or equipment on the floor. Stored items should be clearly labeled so employees can find what they’re looking for easily, without having to move things around or clutter up the area.

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What to budget monthly if you become a dog owner

A new Rover.com survey of 1,500 Americans found that we underestimate how much a new furry dog is going to cost us monthly.

If you want a friend, get a dog, people who love dogs like to say. Their tail-wagging companionship can brighten a hard day at work and make the gloomiest evenings easier to bear. But this new friend comes with a hefty price tag. As a new Rover.com survey of 1,500 Americans found, we underestimate how much this furry addition to our lives is going to cost us.

Dogs cost a monthly average of $153

While most people thought owning a dog would simply cost them $25-76 dollars, the survey calculated that the average monthly expense was $153. To prevent yourself from getting sticker shock, it’s good to research how much maintaining a dog is going to actually cost you. Citing the North American Pet Health Insurance Association, Cozy.co, Chicago Tribune, among others, here’s what the survey calculated what average monthly expenses for your dog will be:

• Food  — $40-$60
• Toys — $10/toy
• Flea and tickworm prevention — $40-200
• Heartworm prevention — $24-120
• Treats —$6
• Poop bags —$6-20
• Tooth care/dental chews —$10

And those are just monthly expenses. One-time costs like adoption fees, which can cost up to $600, or spay and neuter surgery, which averages about $200-800, according to the report, can put a hole in your wallet before you even meet your new pet. But for people who want a dog, this is all worth it. The survey participants said they would be most willing to give up alcohol, takeout and coffee to have their dog.

And once they have their pets, these committed owners are willing to make more financial sacrifices to keep them happy. Dog lovers enjoy showering their pets with expensive gifts. One in three dog owners saying they would spend more than $250 on a special gift for their dog, and one in four admitted they had bought a massage, not for themselves, but for their dog, suggesting that for some of us, self-care comes from what we can give our beloved pets.

This Holiday Season - Protect Your Vehicle

We are well immersed in the holiday shopping season! While the holidays bring tidings and joy, they also bring heightened opportunities for thieves. Below are some tips to help protect your vehicle and your packages this holiday season:

1. Don't leave packages unattended!

Loading up on all those gifts is a sign of progress in the holiday shopping, but if those packages are left out in the open once in the car, your car has become a likely target for thieves. Remember the old cliche "Out of sight, out of mind?" The same idea applies to items in your car!

2. Always lock your vehicle!

Unlocked cars are an easy target! Breaking into an empty car isn't worth a thief's time. However, anything left in plain view—from your holiday gifts to spare change, sunglasses, CDs, cell phones or briefcases—may tempt a thief

3. Anti-Theft Devices!

Help prevent your vehicle from being stolen by always locking your car and using anti-theft devices. 

Following these tips can help make your holiday season merry and bright! Happy shopping! 

Nine Things Snowbirds Should do Before Heading Home for the Holidays

For those who own a Florida vacation home, moving south for the winter is almost a given. However, family gatherings around the holidays may mean that a shift back north – even just temporarily – is expected. Before you pack up the car or arrange for a ride to the airport, here are a few things to think about.

1. Leaving your house unoccupied in the middle of “high season” may not be necessary. You can consider renting it out and make some revenue off of your Florida home. Just make sure you have someone local who is willing to keep an eye on things, and don’t forget to set up renter’s insurance.
2. If you opt to leave your home empty, don’t forget to pause mail and newspaper delivery. Nothing says “empty house” like a full mailbox and papers piling up on the porch.
3. Arrange for lawn care. Keeping your lawn looking great may require a mowing or two while you’re away. If you have a sprinkler system, put it on a timer and make sure a neighbor knows where the water cutoff is in case a head were to break.
4. Remember to call your financial institutions to let them know you are about to be on the move. Having your credit card frozen over the holidays because you stopped for gas mid-trip can cause a lot of unneeded stress.
5. Unplug, unplug, unplug. Anything that doesn’t need to be plugged in can be disconnected from an outlet, especially chargeable devices. This can help decrease the chances of fire while you are away.
6. Double check your medical prescriptions before you leave. Being in one state when your thyroid medication is in another can play havoc with your holiday plans.
7. Secure your Florida residence. An alarm system can provide you with some peace of mind when you’re away. Would-be burglars often take note of signage and steer clear.
8. Properly store any flammable materials. Gas cans should be stored safely, and any vehicles (including lawn equipment and golf carts) covered and locked away.
9. Review or renew your homeowners insurance policy, if needed. If you’ve made any home improvements or large purchases, you may want to talk to your agent about revising your policy.

By following these steps before leaving Florida to enjoy the holidays with friends and family at home, you can help protect your investment and make the transition from one state to another as smooth as possible.

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Peace of mind

When it comes to life insurance, getting a policy isn't the scary part. It's what happens when you don't get one. #lifeinsurance #itsaboutwhoyoulove #protectyourfamily #protectyourfarm #peaceofmind

What You Need to Know About Safe Evacuation in Case of a Florida Hurricane

A massive storm system headed for the Florida coast may cause an official evacuation order. In some cases, you may have a day or two to prepare, while other situations might call for an immediate evacuation. 

Thinking ahead and discussing a potential evacuation with your family is vital to ensuring that you can evacuate quickly and safely in case of a major weather event. 

Prior to an Evacuation 

In Florida, the most likely reason for an evacuation is for an anticipated hurricane landfall or high risk of a storm surge. You should:  

• Have a go-kit packed and in the trunk of your vehicle in case of an evacuation. This should include basics like flashlights, batteries, a weather radio, a spare set of clothes, nonperishable food, and water bottles. Keep your tank full of gas as there may be a shortage of fuel. 
• Keep a secondary grab bag in the house, filled with important documents and extra cash (as ATMs and card processors may stop working during a bad storm).  
• Decide on a central meeting place, and a plan put together to stay in touch with each other, assemble as a family, and secure needed items.  
• Stay on top of the latest severe weather alerts and messages from authorities. If an evacuation order is pending, determine if it would be wiser to head out in advance of a mandate.  
• Secure your home, if there is time, by unplugging all electrical appliances and possibly flipping the main breaker to your home. Tape windows and secure loose outdoor furniture and grills. 

During an Evacuation 

The evacuation itself can be hazardous, as roads become packed with cars and people are stressed out and distracted. You can:  

• Be familiar with alternate routes and other means of transportation out of your area. 
• Know where your nearest shelters are along your exit route in case you run out of time to evacuate. 
• Make sure your vehicle has an emergency supply kit and that you bring any needed medications for your family. 
• Have flotation devices for everyone in case of rising flood waters. 
• Plan ahead if you have pets as only service animals may be permitted into a shelter. 

After the Evacuation 

Before you return home: 

• Check local news to ensure the route home is clear. 
• Acquire extra cash, gas, and batteries before heading back into an affected zone.  
• Charge up devices and power banks. 
• Let friends and family know before you leave and when you arrive. 
• Bring non-perishable food and plenty of clean water. 
• Watch for downed power lines and report them immediately; they may be live. 
• If you need to use a generator, position it well away from your home and never try to hook it to your home’s power grid. 

Evacuation in advance of a hurricane that doesn’t actually end up making landfall isn’t wasted time and effort. It’s better to have evacuated when not necessary than to fail to evacuate and be caught in a catastrophic event. Being prepared for a hurricane – including a potential evacuation – is the best way to protect yourself and your family.