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Top Five Reasons:

1) It could save your life.

2) Disasters are traumatic.

3) A support network will be in place.

4) You will have more control.

5) You expectations will be more realistic.

Having a plan could mean the difference between life and death.  Having a plan can help to reduce stress and anxiety. Knowing who you can count on brings peace of mind. You may not have control over a disaster, but being prepared for one can give you some control in the aftermath.  It is easier to put your life back together when you know what to expect.

Young Adults – Must be convinced of the value of health insurance.  These are young, healthy, have never been married or had children. Majority are enrolled in school, are establishing careers and independence. Do not anticipate the need to medical care.

Young Newlyweds  – Want minimal coverage for the lowest cost.  These do not anticipate frequetn doctor visits. Have active lifestyles. Have no immediate plans for children.  Beginning to plan for their future and understand their value of insurance.

Families – Want affordable, comprehensive family care. Planning a family or have a least one child under 18.  Anticipate frequent doctor visits and want comprehensive coverage.  Are budget and value conscious; may have growing assets to protect and want to ensure their future financial security.

Empty-Nesters & Pre-Retirees – Are shifting away from family coverage and want asset protection.  May have assets to protect and want to ensure financial security.  May use medical care more frequently and want comprehensive coverage.  Priorities shift from their children to life insurance, personal insurances and possible luxury items.

How to find the right health insurance plan for your Life Stage http://www.hendersoninsurances.com/pages/health.php

Natural catastrophes are low-probability with high-consequence events.  What makes some people plan for them while others do not?  And how does a person\’s understanding of risk affect their actions?

People who live in an area that regularly experience natural disasters are more likely to feel at risk and to prepare.  It is important to recognize that your past experiences with disasters may not always be a reliable guide to your future experiences.  Don\’t be lulled into a false sense of security.  The reality is it could happen to you. 

Peoples\’ attitudes about natural disasters has found that Americans are an optimistic bunch!  We do not concentrate on the negative, nor do we expect bad things to happen in our lives.  While that positive attitude is to be applauded, it means many of us have a tendency to avoid planning for \”what if\” events. 

When it comes to preparing for natural disasters, it may seem easier to hang on to the belief that \”it will never happen to me\”.  But there are compelling reasons to have a plan that protects in case it does happen to you. 

Here are some resources:

www.fema.gov

www.ready.gov

As insurance brokers our job is to help our clients prepare for the \”what if\’s\” and planning for a Disaster it not something people tend to think about on a daily basis.  Over the next couple of weeks we will discuss the different types of \”what if\’s\” or better put, Disasters to prepare for.

Today we will discuss about how having a family conversation can make a difference.  Although we cannot control natural disasters, we can – to some extent- control how they affect us.  By communicating with your family, friends and neighbors and preparing in advance, you can more safely and confidently deal with natural diasters.  Planning can lesson your stress and help prevent loss of life and reduce property damage or loss. 

Insight from a Claims Adjsuter:

          \”I think most people are of the opinion \’It can\’t happend to me\’. Although they may have made some modest preparations, I find that, generally, folks are unprepared to deal with a natural disaster.\”

Diasters and Older Adults: Benefits of Planning –

     Disasters are frequently the time when we see the very best in people – strength, bravery, generosity and compassion.  People of all ages rise to the occasion.  Older adults are ofter resilient in the face of disaster.  Their experience and judgment, which increase with age, are important attributes when responding effectively to crises.

When it comes to preparing for – and responding to – disasters, many older persons play important community roles.  Their skills and talents are invaluable for such things as:

•  Identifying and supporting people in their neighborhoods who need assistance.
• Volunteering for direct disaster relief roles in their communites
• Assisting in shelters.

Because disease-related conditions and the functional limitations they cause may be more prevalent in later life, older adults as a group are particularly vulnerable during emergencies and disasters.  Recent history tells the story all too clearly.  Nearly three quarters of the people who died in the New Orleans area as a result of Hurricane Katrina were age 60 and over, although only 15 percent of the population of New Orleans fell into that age group.  This painful experience underscores the important need for older adults to have a reliable plan for immediate, easy and safe evacuation in the event of a disaster. 

For more information visit the following wesbites:

American Red Cross – www.redcross.org

Centers for Disease Control and Prevention – www.cdc.gov