Pet Insurance for your dog and cat
Family
pets are a part of your life. They are your companions, guardians and
best friends. But just like any loved one, they can fall into harm's
way. You should be aware of the dangers your pet can come across and
the financial strain it will put on your savings.From bee stings and
allergic reactions to swallowing a foreign object or breaking a bone,
your pet could easily be hurt or injured and veterinary treatments may
cost you more than thought. The last thing you need to worry about is
an unexpected expense.
PetCare Pet Insurance Programs start
at under $11/month. It's a small investment that will help you prepare
for a secure and happy life for both you and your pet!
Contact our agency if you have any questions. Click here to see the benefits of these programs today!
March of Dimes - Walk America
America is facing an epidemic. During the past two decades the
number of babies born prematurely has jumped from 9.4 percent to 12.1
percent - and no one knows why. Each year, more than 470,000 babies are
born premature, that's roughly one of every eight births. Premature
infants are more likely to have developmental and long-term health
problems. Hospital costs for a premature baby average is a startling
$75,000, compared to $1,300 for newborns without complications.
Who pays this bill? We do. All healthcare players, public and
private, bear this expense, from employers to large private health
plans to government programs such as Medicaid. The March of Dimes has
stepped up to take on this issue by sponsoring research into the causes
of prematurity and to find solutions that will reduce the number of
babies born too soon.
Farmers is proud to announce that it is a 2005 national sponsor of
the March of Dimes' largest fundraising event, WalkAmerica, pledging to
raise more than $1 million for this worthy cause, while also working to
raise awareness of the issues surrounding premature births.
Andrew J. Flanagan & Associates Insurance would like to invite
you to join us in support of the March of Dimes. Farmers Agent Andrew
Flanagan will be participating in the event, with a goal of raising
$1200.
Please visit my walker's page: http://www.walkamerica.org/flanagan
The official website is: www.walkamerica.com
I invite you, if you have
the means, to support my walk for this worthy cause. Or better yet,
join me for the lovely 6 mile stroll along the lake. Our agency would
like to promote community awareness and support of worthy causes.
Andrew J. Flanagan & Associates Insurance also supports:
LiveStrong - Lance
Armstrong Cancer Research- Ask us about Life Insurance today. We
provide each new Life Insurance a yellow "LiveStrong" bracelet.
Andrea Haberman Scholarship Fund (St. Norbert College) - Our agency will make a quarterly donation on behalf of our new customers to benefit aspiring college students.
Please feel free to contact our office or visit our website if you have any questions
Insurance "Quote" of the month.... (Life Insurance)
"Get
a policy and hold on to it. It means self-respect, it means that
nobody will have to put something in a hat for you or your dependent
ones if you should be snatched away from them."
- President Grover Cleveland
Don't forget about our AFFINITY DISCOUNT programs...
Farmers offers auto insurance discounts to the following special groups of drivers:
- Teachers
- Nurses
- Police Officers
- Firemen
- Doctors
- Engineers
Please
contact our office today for a quote! Let's us reward you with a
5% discount on your auto insurance. See our AFFINITY DISCOUNT page for more information.
Why do we offer life insurance to ALL of our cusomters?
Because we care enough to ask... here's a story.
Sometimes,
when I am right in the middle of an interview and my enthusiasm carries
me away, I see in the eyes of my prospect an expression of wonderment,
almost amazement, and I stop and say:
“Mr. Prospect, I can see that you are amazed by my enthusiasm for insurance is and does”
Let
me tell you the story of Gordon and Marjorie Wells, of Helen and Bobby
Wells, of a modern day miracle in which I played a modest part.
Gordon Wells and I were classmates. We knew each other well and spent a great deal of time together. After we graduated we went our separate paths. But
a dozen years later chance decreed that we should work within a few
blocks of each other, and to lice across the street from one another. Our friendship was renewed. We saw each other often. Our wives became close friends and our children played together.
I remember the day as clearly as if it were yesterday. It was a Saturday, for Gordon and I had tickets to the football game. Our wives didn’t want to go.
About five o’clock that morning I was suddenly awakened by the sound of screeching breaks and sliding tires. The darkness of night was just giving way to the light of day. I
looked out of my bedroom window and saw a car across the street and a
man, carrying a small black bag hurrying up to the door of the home of
Gordon and Marjorie Wells.
The doctor was there again at ten. At noon the ambulance arrived and took Gordon to the hospital were he was placed under an oxygen tent. At three o’clock that afternoon he died.
Now sir, that was Saturday. I was a pallbearer at the funeral on Monday. Tuesday
afternoon, exercising the privileges of an old friend I rang the bell
at the home of Marjorie Wells and was admitted by 8-year old Helen
Wells. “Where’s your mother?” I asked.
“She’s in the kitchen,” Helen said.
I
walked out to the kitchen and there found Marjorie trying desperately
to go about the housework while quietly sobbing her heart out.
“You must brace up Marjorie”, I said, “Gordon would want you to if here were here. I know in some small way how difficult things must be for you.”
“I know, I’ve tried,” she said. “But I’ve looked at our bank book and we have only $1,200. We owe over $43,000 on this home. I don’t see how I’ll ever be able to feed the children and keep up the payments on the house, even if I could get a job. You see, I’ve never worked a day in my life.”
“Why Marjorie,” I said, “Don’t you know about Gordon’s life insurance?”
She
looked at me blankly and shook her head, and then I realized, for the
first time, that Gordon and I had always discussed his life insurance
at his office…and that it might well be that Marjorie knew little or
nothing about his life insurance program.
“Why
Marjorie,” I said, “I came over to tell you that my company is going to
deposit $100,000 in your bank account, and so you will have not $1,200,
but $101,200 in the bank. My company is also ready to pay off that $43,000 mortgage. This home is yours. The mortgage is paid. Besides
that, you will receive a check for $1900 every month until Helen is 23
and Bobby is 18, and then $1,500 a month for as long as you live. When
Helen is 18 and ready for college, you will receive a check for $10,000
for her, and when Bobby is 18, you’ll receive another $10,000 check for
his start at college.”
I had to take Marge by the arm, and help her into the living room until she could regain her composure.
Well, sir, that was five years ago. And
when today, in the fading sunlight of a summer afternoon, I look across
the street and see Helen and Bobby Wells playing on the lawn in front
of their home…their home mind you, right where they have always lived,
then sire, what do think I think of my business?
And
then my glance travels a little further, and I see Marjorie Wells
sitting on the side porch of her home, reading a magazine…her home, not
someone else’s…and when she smiles and waves her hand…then, sir, what
do you think I think of my business?
And
when at the Christmas party we have each year for the children at the
Church, and when, at that party, I see that the presents for Helen and
Bobby Wells are just as big and just as nice as those for the other
children… and when I catch the eye of Marjorie Wells, and smile
“hello”, and when she grips my hand just a little tighter and holds on
just a little longer than she otherwise might...then, sir, what do you
think I think of my business?
NEWS: Traffic Safety and Reduced Insurance Premiums Go Hand in Hand….
As I am sure everyone is aware, safer drivers are rewarded with better insurance rates. In
an effort to reduce the number of car crashes as at intersections as
the result of running red lights, the City of Chicago has installed
cameras at several busy intersections.
Be careful around these intersections, as vehicles recorded violating traffic laws are subject to moving violations. Along
with accidents, having tickets on your driving record can exclude you
from auto insurance discounts, cause you to be surcharged, and even
play a role in determining rates for life insurance.
There are several cameras here on the North Side of Chicago. This article appeared in the Chicago Tribune on October 14th. As
an insurance agent, I am always concerned with my client’s safety, but
I would also like to see everyone keep his or her rates reasonable.
Life….
Although
it can be difficult to discuss, or even see the need for it, but
looking into Life Insurance could be one of the most important
decisions you can make. Let’s take a look at a summary of a recent article from the Chicago Sun-Times by Terry Savage. (If anyone would like a copy of this article, please let me know.)
According to the article, now may very well be the best time to purchase life insurance. Term Life insurance has always been a very affordable way to provide coverage in the event of the insured’s passing. While
this is still the case, prices of life insurance (and/or your ability
to qualify for the “preferred” rates) could be rising due to a few
important factors:
-Cholesterol: Many companies are tightening up on what is allowable for cholesterol levels, as well as the good-to-bad cholesterol ratio
-Blood Pressure: Having high blood pressure, even one point over what your insurance company allows, can disqualify you for preferred rates. Many companies may also require you to hit the target without medication.
-Driving Record: Having incidents on your driving record could disqualify you from receiving preferred rates. Many companies are tightening up on the number of incidents allowed to qualify for preferred rates.
-Family History: While family history has always been a factor in rating life insurance, the process is becoming more extensive. Companies now look to the health history of siblings, as well as the age of parents/siblings at the onset of any disease.
Overall, with life insurance, there will be the “cost of waiting”. This takes into the account the increased premium that you may be likely to pay if you wait to purchase life insurance. By waiting, there is also the risk of a health event that could make you or a loved one uninsurable. There are several life insurance options out there that can be made to fit each person’s individual needs. As Terry Savage said: “It’s
always a good idea to make sure you have enough insurance to take care
of your family or to be held in an insurance trust to pay estate taxes. But rising prices give you an extra reason not to postpone this important purchase.”
Now may be the best time to look into purchasing a life insurance policy. It is likely that you will not ever be able to purchase life insurance at a lower premium than today. Additional insurance can always be purchased in the future as your needs change. Since this can be a sensitive issue, please feel free to contact me at any time. Products offered range from TermLife insurance, to Universal Life Insurance, to Variable Life insurance. Each has distinct features and benefits.
Career & Internship Opportunities
Are you or anyone you know looking for an exciting opportunity?
Flanagan & Associates has opportunities availalbe. Learn the business, work part-time hours, and have the ability to earn full-time money!
- Perfect for business/marketing oriented college students. Flexible hours - days, evenings, & weekends.
- Marketing positions available for high school/college students. (10 hours a week)
-
Payent schedule ranges from hourly wages up to high commissions &
bonus!! Ability to make anywhere from $8 - $25+ per hour!!
(performance based compensation)
- Ability to enter agency career program with Farmers (if interested - own your own business!)
- Potential for residual compensation
Call Andrew J. Flanagan at (773) 775-5997 or e-mail at aflanagan@farmersagent.com for more information. We will have a "Career Opportunities" page on our website soon!
