Are You Ready for Valentines Day (And Beyond)?

Valentine's Day is right around the corner. Have you already gotten that special someone the perfect gift that shows how much you love them? Or are you like me who knows when every single holiday is coming, yet still manages to wait until the day before to try and find the right gift? Personally, gift shopping is my Achilles heel. I am a terrible gift buyer and I don't try to deny it. My wife has come to terms with this over the years, and thankfully she still loves me anyways!

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There is one thing though that will make Valentine's Day, and the rest of the year for that matter, a lot more peaceful around the house (And keep you from getting this face and the embarrassment that comes with it)!

Here's a riddle to see if you can figure it out:

It's something you don't ever think about until you need it the most.

But seeing as you are on my website and reading this blog, there's a pretty good chance you already know what it is......

The answer is: ​INSURANCE

Pretty obvious, I know. But really ask yourself, when was the last time you truly looked at your insurance policies? Do you even know what you have (or is it still up to date)??

Before I got into the insurance industry I only knew 3 things about my policies:

1. How much my monthly payment was
2. When my monthly payment was due
3. How much my deductibles were if I had to file a claim

I kid you not, I didn't know ANYTHING about the policies or what any of the different coverages even meant. The thing about it is, YOU aren't supposed to know all of that. Your AGENT, the one who went through the licensing process with the State and has to do continuing education to keep their license, does. The biggest issue right now in the insurance industry is agents not really doing the full job for their clients and just trying to sell them the cheapest possible thing to hit a quota. Also, with the rise in technology, more and more people are now purchasing their insurance 100% online without having a clue of what they are getting (This is frightening)! Without knowing it, one bad day could end up causing you to be in financial ruin, which many times could be avoided by something as little as $10 per month.

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