ALWAYS check- in with your Agent

We have said it before and we will keep saying it (because it's that important!), it is extremely important to make sure you check-in with your Agent at least once a year for an annual policy review. Don't just take our word for it, here is what an Allstate Agent in Kansas says about the importance of annual reviews. 

"Many homeowners purchase an insurance policy when they first move in, but they may not understand the importance of periodically reviewing it or reassessing their needs. It's an oversight that can ultimately lead to a gap in their coverage. 

For instance, you may have insured your home for $200,000 when you first bought it. A decade later, your home may cost $300,000 to rebuild. That's a $100,000 gap in coverage—which could leave you without the proper resources to rebuild in the event of a loss. 

A home renovation or upgrade is another reason you may want an insurance review. It can help ensure that your home and belongings are fully protected, and that your coverage is keeping up with your current needs. Everything from new furniture to a kitchen upgrade can affect the value of your family's home, and may even qualify you for additional discounts on your insurance policy. 

One way to evaluate your needs is to conduct a home inventory, a detailed catalog of all your possessions. There are tools and even smartphone home inventory apps, like Digital Locker, that can streamline the process."

As Agents, we understand that customers will shop around for "better rates". Some things to keep in mind while you are shopping is to make sure you know your current coverage inside and out. If you have been having your Annual Reviews with your agent you should know the coverage's and discounts that you are currently getting. A better price sometimes mean less coverage, yikes! 

We recommend that you ALWAYS check with your Agent before you start shopping and most defiantly before you switch to another insurance company. More often then not there are discounts that have not been applied to your policy that could save you money so you can stick with your current company. If you have shopped around and you are thinking about changing your company it is ALWAYS recommended that you bring a copy of that quote into your existing Agent so they can review it with you and make sure you are keeping the best coverage possible for your family. 

As Agents, we strive to not only provide you with great insurance coverage and excellent customer service, but we ALWAYS do what is in the best interest of our customers. 

When you find an Agent that you are comfortable with, utilize them! They work for you :) 

Uinta Valley Plaza Anniversary

Time flies when you are having fun. It's true, we can't believe that it has already been 1 year since our Bridger Valley office moved into their new building. We have had so much fun building new memories with our customers over this past year!

Lets take a walk down memory lane..... 

We started this year with the open house and 1st annual Chalk our Block event!

It was so fun to see how much talent we have in this Valley by so many young kids. This event was the perfect way to celebrate the opening of the new building. It was also a great way to get to know the new "neighbors", Big County Properties who are renting the office space next to Allstate. 

October brought some really fun things to the building. 

The Hunting Contest:

Our customers LOVE this one. Upload a picture of your hunt and win a prize! We also love to see so many of our customers participating and having fun! 

Our Annual customer Halloween Costume contest and Trick or Treating at the office. So many fun costumes and happy kids! 

This year we also had our first ever Agency costume contest. This was probably one of the funnest days at work! We had Mayhem and his Allstate Cheerleader, Zombie Bride, 2 Flapper girls and the winners of the contest a Scuba Diver and her Mermaid! 

December came with another year of Christmas on Us. We had more kids then we could have ever hoped for. With the help of local businesses we were able to give over 70 kids Christmas. It is a very emotional day to see so many happy smiling faces. We can't wait for this year! 

We hope that everyone had a chance go come and see the Christmas lights! It was so fun to have them programmed to the music. 

We had some fun throwing a Casey a surprise birthday party! It took a lot of tricking to get her to the office and she probably almost had a heart attach when she thought all of her employees had called in sick that day.... It was the perfect birthday surprise! 

What could be a better week then our customer appreciation week! We went around the communities in Bridger Valley, Evanston and Green River doing Random Acts of Kindness! You would be surprised at how many people think you are joking when you show up to pay for their groceries! 

Easter came with another successful Easter Egg Coloring Contest. This is another really popular event with our customers! We are always so blown away with the talent and creativity we see each year! Its so hard to pick a winner!

Lots of training for the Agency happened this last year! Even when we are working we have a blast. There is nothing better then learning how to better take care of our customers!

Lets not forget the birth our of newest and cutest Agency Mascot... Baby Enzo! 

#adoption

We hope that you enjoyed the walk down memory lane as much as we did. Keep checking our blog for all of the upcoming events. As you can see, we have a blast! 

Life Insurance Awareness Month

September is Life Insurance Awareness Month

Did you know that more then 40% of Americans do not have life insurance? This is according to the 2015 Insurance Barometer Study by Life Happens and LIMRA.  That is why each September the insurance industry brings awareness to Life Insurance as a reminder of the INVALUABLE role that life insurance plays to the American family. 

Life insurance can be a hard subject to talk about, or so many people may believe. Instead of looking at the subject with dread, depression and anxiety, just remember;

  It's not about you, it's about THEM. 

As Insurance Agents one of our biggest fears is having the widowed mother of 3 small children walk into the office and say "Please tell me you had a life insurance policy on my Husband." Having to tell that young mother, is who grieving the lose of her husband, No; that will haunt us forever. It's a harsh reality for a family who has lost the main income, because unfortunately the bills keep coming no matter how long you take to grieve. 

Have you ever given a thought to the stay at home mother or father? It is also extremely important to have a policy in place for them as well. They may not bring in the "money" but what price would you put on everything else they do on a daily basis?

* Taxi service

* Housekeeper/Maid

* Daycare/Babysitter

* Cook

* Dog walker

*Loving the children unconditionally (Priceless)

The list could go on. Have you second guessed your decision to not purchase life insurance yet? 

We wanted you to be aware of the main excuses that we hear daily as to why people don't want to have the life insurance conversation. In the bullet points we have some great responses we hope will make you think twice about putting off looking into life insurance. 

1. I can't Afford life Insurance: 

• How much money do you spend each month on cable, cell phone bills, and coffee? Many people spend much more on those things then they would spend on life insurance.
• Imagine how hard it would be for your family to pay the bills without your salary.

2. I have Life Insurance through work:

• It is important to know how much coverage you currently have through your employer to make sure it is enough to sustain your family after you pass.
• If you change jobs or retire, it may be difficult to find an individual policy at an affordable rate, especially if your health has changed.
• With group insurance, the healthy people end of subsidizing the unhealthy people. When you purchase your own policy you pay premium based on your own health, not everyone else's.

3. I will take care of that later:

• Buying life insurance when you are young and healthy can save you a lot of money over time. The younger you are the lower the rate! 
• Life insurance is like a parachute. If you don't have it when you need it- it may be to late to buy it. 

4. Life Insurance is too complicated:

• Insurance agents are her to help. Life insurance is important and we want to make sure you understand it before you make any decisions.
• We can walk yo through the entire process to make sure everything makes sense.

If you don't remember anything else, remember this:  

The excuses you give to your agent today will sound ridiculous to your widow tomorrow. 

In today's society it seems like everything has a value. 

Car- $30,000

House- $300,000

Boat- $15,000

Family- PRICELESS

Why would you make sure to have insurance on your car, home and toys but not protect your most priceless possession?

Allstate has some really great life and retirement products that are extremely affordable. Please call us today to book your Life Insurance appointment. 

307-786-2886 * 307-789-1541 * 307-875-7544