Christmas Safety Tips

December is such a fun month with Christmas family traditions to look forward to. Most people enjoy the flurry of activity and special events to plan and attend. Here is wishing you a happy and safe holiday season.

We Have Put Together Some Old and Some New

 SAFETY REMINDERS 

to Keep in Mind During Our

• Keep your home well lit when you are not home. Automatic timers that can turn lights off and on in various parts of the house are a good plan. Never set them exactly on the hour. You can even set up a radio or your TV to be on.
• Stand in front of your home once during the day, and once after dark. See what a potential intruder may spot as an easy target. Make adjustments as necessary
• BE VERY CAREFUL WITH SOCIAL MEDIA, this is something our parents never had to consider. Unfortunately, there are people who will scour social media to see when you might be attending an activity, a day trip or spending a few days out of town.  If you must post, post AFTER the fact when you have already returned home. EDUCATE YOUR CHILDREN TO DO THE SAME.
• Remember with social media, many strangers are able to access what you write through friend of a friend of a friend . . . and so on. Vandalism and break-ins are no longer just happening at night. Any time of the day is good for a bad guy.
• Christmas packages need special arrangements and thieves are on the lookout to simply swipe a package before it ever enters your home.  Try to schedule them for when you know someone is home. Speak with a trusted neighbor to keep an eye out for when you are expecting a package and ask them to grab it. Make yourself available to do the same for them. If possible, use of online tracking to better gauge when you package will arrive.
• If your workplace will allow it, have packages sent to you at work.
• Make a special effort to NOT BE DISTRACTED while you are shopping and paying for items. Always keep your purse, wallet, and cell phones close. Do not let the business of the season put you at risk for a moment. Plan ahead in your mind how you will handle many stops and transactions using, cash, debit cards or credit cards. As you hurry through check out lines make sure all your stuff is secure.
• As always the safest place for your holiday packages are in the trunk. Do not tempt a thief to break your car windows because they see something appealing inside.
• Naturally be aware of your surroundings, as you load packages into your vehicle.
• Safest home strategy is to have a good relationship with neighbors and keep an eye out for each other. Discuss how you can best help and protect each other’s home and property. Alert each other of special circumstances that might need extra watchfulness. Make sure you have each others numbers so you can text or call when something is in question. Always better safe than sorry.

I admit a little sadness in having an article like this. I wish everyone would just be so happy and wonderful to everyone else. Focus on the delightful. These reminders were to bring a sense of heightened awareness for your safety and the safety of your family.

Merry Christmas!

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Sopko Farmers Insurance

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News Alert: Teen Drivers Safer with Parent/Teen Contract

Student 

Drivers Ed

Ending?

Teen drivers whose parents take a more active role in passing down their own knowledge make safer drivers.  When communication is open ended rather than sounding like a lecture, teens are more likely to take this experience to heart. Share personal stories of your driving experience; include the funny, the unusual and the bad.  There are also things your teen driver should know.

Teens who can relate that their parents encountered similar situations may be more open to ask questions and share concerns with their parents. As your student is unfolding into their adult role; let them know you are encouraging their independence.

Be sure to never fill them with your own personal fears. Communications should be in a positive light.  If you have something that feels awkward to communicate; try these for openers:

• Of course, you know . . .
• I was so embarrassed when . . . 
• Your almost a man/woman, but my heart sometimes just sees the little boy/girl you used to be . . .
• My friend once did this and it raised a fear in me for when I had children of my own . . . 
• I was so goofy I once . . . (thought, did, tried etc.)
• Ok. Because I'm a Mom/Dad I have to say this . . . 

Your student, excited with new found possibilities, will need you to help them keep sensibly grounded. A Teen Driving Contract, can open doors for discussion and clarify the expectations of both parent and child. When boundaries are known upfront, rather than made up as you go along, a teen has the chance to think more responsibly. You have provided tools for them to consider and discussed your own personal family rules and values.

Part of maturing is learning to respect authority, when your child knows this, they are better equipped to make responsible choices.

ACA/Obamacare Changes Coming Soon?

Winds 

of 

Change?

Get Your Health Insurance Today!

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Worried about changes concerning health insurance?  The affordable care act brought many changes to the health insurance market. Now you are probably wondering what may lie ahead as federal guidelines may bring more confusion to the health care that affects you.

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Our Promise to You:

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Health Insurance - Walk In Enrollment Center

Low Cost Health Insurance

Open Enrollment for Health Insurance
is Here
Get Covered Illinois 
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Enroll At No  Cost to You

   
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     Come in and see how quick and easy it is to find your health care provider.  We will match you with the insurance that is best for you.

     

Or Visit Us At:

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3333 Chicago Road

Steger, IL 60475

www.healthestimates.com 

Medicare Supplement Insurance: Best Service at Medicare Store

GOOD NEWS!

for Seniors looking for Medicare Supplement Insurance, Advantage Plans, Prescription drug plans & Answers to Health Insurance Questions.

The Medicare Store is available to help anyone approaching 65 or older with plans that cover what is most important to you.  Avoid the confusion and hassle of sifting through the overwhelming information that is out there.

Our friendly experts will sit down with you and listen to your health care concerns and help you pick a plan that is a right fit for you. We will  alert you to the best plans, new plans and help you understand the pros and cons of each. You make an informed decision! 

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NOVEMBER 7, 2016

Is the Deadline 

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At No cost to you, we will review your plan and alert you to any plans, changes or processes that will save you money or increase coverage for same amount. We will make sure your  affordable Health Insurance Plan is something you can rely on.

Life Insurance: It's About Life!

Life Insurance:  It’s About Life!

We, as people aspire to reach our dreams and help our loved ones pursue their own dreams.  It is true that the most beautiful things in life cannot be purchased. Moments that make our life worth living add up very quickly.  Having family and friends to share life’s adventures with motivate us to pursue and accomplish, at times, the impossible.

Purchasing Life Insurance protects what we cherish most. It offers us security in knowing that our loved ones goals and dreams can be pursued. Though we hope that tragedy will not visit, we prepare to protect the continuation of what we have built.

We understand that it may be hard to deal with investigating life insurance policies and all that is encompasses. As adults, we know we have to take care of our life and the live’s of those we are responsible for. As adults, we understand that it is too important to let it fall by the wayside.

If you are considering a life insurance policy, our family business is here to serve you with the compassion and up front discussion you need.  We will help you devise a plan that offers you the peace of mind you need to make sure your loves ones are provided for.  Our expert service helps you put in place what you need and advises for things you may not have thought of; assuring future provision for you loved ones.

Call or visit our friendly agents to inquire what steps you need to take to protect your loved ones. Take advantage of our free life insurance reviews that can reveal gaps in coverage or alert you to better services at lower prices.  Your insurance should be reviewed every three years.

Call Today!

Enjoy Peace of Mind Tomorrow!

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Health/Medical Insurance Online or Walk-in Enrollment Center

Find your low priced health and medical insurance. Official Get Covered Illinois Center gives you the best of both worlds. Enroll on line or in person and have access to an agent that deals with you personally now and for any follow-up.  We will help you find a policy tailored to your specific needs At No Cost To You and explain to you all your options in language you can understand.

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To help you be better prepared; following is a list of topics you may have questions about.

1. Single coverage/family coverage
2. Preventative care visits
3. Doctor office visits
4. Emergency room services
5. In-patient hospital facility
6. Out patient care
7. Prescription drug coverage
8. Vision/dental coverage
9. Monthly premiums
10. Deductible level

There are new insurance carriers that offer many selections in health insurance. We have access to all of them and for YOUR ADVANTAGE, we know the pros and cons of each one. That is how we help our customers get the best for less.

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Free Assistance Over the Phone

We can offer cheap health insurance as we understand the health marketplace works and use competition to access the best policy for you and your family.