Insurance Complaints

According to The Dallas Morning News, the top insurance carriers with the most complaints (based on Insurance Department complaint index*) were:

1. Old American County Mutual 3.96
2. Fred Loya Insurance 2.40
3. AAA Texas County Mutual 2.06
4. Southern County Mutual 1.95
5. Colonial County Mutual 1.64
6. Home State County Mutual 1.58
7. Geico Indemnity 1.36
8. Liberty County Mutual 1.33
9. Allstate Indemnity 1.29
10. ACCC Insurance 1.28
11. Allstate Fire and Casualty 1.16

*The average index for all companies is 1.0; a higher number would indicate the insurer has more complaints than average. A company with an index of 3.0 has three times as many complaints as the typical company.

The most typical consumer complaint was with respect to delays in handling claims.

Ben Goodwyn Agency – 972.618.0100 shelly@bengoodwynagency.com

 

Prevent Fire - Save Lives

It only takes a few seconds for a lifetime of memories to go up in flames. As we grow older, our risk of dying in a home fire goes up dramatically. If you are 50 or older, please pay special attention to fire safety. For your well-being and others you love.

• Don't smoke when you're sleepy - and really put that cigarette out.
• Keep heaters at least 3 feet from your bed, curtains, or other flammable materials.
• Never wear loose clothing when you're cooking.
• Test your smoke alarms monthly; change the batteries at least once a year.
• Develop and practice a fire escape plan.
• Install home fire sprinklers (if at all possible).

from the Federal Emergency Management Agency (FEMA)

Shelly Guibert

Ben Goodwyn Agency

shelly@bengoodwynagency.com

972.618.0100

Halloween Safe-Driving Tips

Children are twice as likely to be killed by a vehicle on Halloween (versus other days of the year) according to Safe Kids USA. You will be navigating roads crowded with children in the dark.  Take extra care behind the wheel on Halloween and use the following driving tips to keep trick-or-treaters safe.

1. Yield to Trick-or-Treaters: Be prepared for children to run into the street at anytime.
2. Refrain from Passing Idle Vehicles: The driver may be dropping children off. Be patient and take extra caution when traveling near other vehicles.
3. Park Your Mobile Phone: It is especially important to avoid any distractions while behind the wheel with children crowding the dark roads.
4. Communicate with Other Drivers: Use hazard lights when pickin-up/dropping-off trick-or-treaters. And, always use turn signals.
5. Consider Alternate Routes: Avoid driving near trick-or-treaters by taking routes that go around busy neighborhoods, not through them.

Shelly Guibert

Ben Goodwyn Agency

shelly@bengoodwynagency.com

Drive Safely Work Week

It is estimated that one in every four accidents involves a driver who is either talking or texting on a cell phone (according to the Insurance Institute for Highway Safety). That is an alarming statistic and should have you thinking twice about safely driving to and from work. The campaign is for drivers, passengers, cyclists and pedestrians. It also highlights how employers can get involved and focus on training for employees.

Here are a few suggestions for making your work commute safer for everyone.

• Change your voicemail to say you can't take a call because you are driving. When a caller hears it, maybe they'll try doing the same.
• When you have other passengers in your vehicle, the visible act of silencing or turning off your mobile phone may send a message that results in your passengers doing the same the next time they are driving.
• When you make a call to someone's cell phone ask "are you driving", then discontinue the call until later if the answer is "yes". By showing concern for their safety, it is likely they will also ask that question.

Shelly Guibert, Ben Goodwyn Agency  972.618.0100  shelly@bengoodwynagency.com

Texas Fires Break Records

There have been approximately 1,500 claims filed by Bastrop Texas residents and business owners from the Bastrop Texas fire that started on Labor Day weekend and which total $250 million (according to the Insurance Council of Texas).  This would make it the costliest wildfire in Texas history.  The second most costly fire in Texas history also occurred this year in Possum Kingdom.  That fire is expected to generate between $160 million and $175 million in insured losses.  Almost four million acres of land has been consumed by hundreds of wildfires this year and destroyed more than 2,700 homes.  Just the value of lost timber is approaching $100 million.

Your tax deductible contribution online to the Trusted Choice Foundation Volunteer Firefighters Assistance Fund will help volunteer firefighters that continue to fight these devastating blazes.  Every dollar helps.  You can get decals and stickers that announce your support.  You can also "like" the "I Support Volunteer Firefighters" Facebook page and sharing it with your Facebook friends to help spread the word and potentially increase donations to the Texas Wildfire Relief Fund statewide.  Our Texas firefighters deserve the best protection we can afford, now more than ever.

Travelers Insurance

Home and auto insurance from one of the best in the industry. Read more about Travelers Insurance below and call Shelly at Ben Goodwyn Agency for your free quotes today. 972.618.0100 shelly@bengoodwynagency.com

If you've heard it once, you've heard it a thousand times, you get what you pay for. Travelers offers competitive prices. But when it comes to the 'get' part, Travelers gives you more than just coverage. We give you broad protection you can count on no matter where the road takes you.

Value: Service and savings merge

• Great discounts and pricing features
• Deductibles and discounts for every budget. Don't we all appreciate a little flexibility?
• Savings when you insure more than one car.
• Up to a 10% discount when you combine auto and home. Up to 15% if you add a boat.
• One-stop shopping for a wide spectrum of products that include auto, home, boat, flood, identity theft, umbrella, rental property and wedding.

Smart: Fuel for thought

• Claims centers staffed by trained professionals. You call us. We answer questions. You hang up happy.
• Claim professionals are trained at Claim University, our state-of-the-art training facility. Hey, the more we know about claims, the less you need to.
• Smart pricing. We'll help find the insurance plan that meets your protection and budget needs.

Covered: High-performance protection

• A wide variety of coverage, limit and deductible choices. Because everyone's different.
• Repair or replacement collision coverage option - if your car is totaled, we'll pay to repair or replace it with a new car of like kind, whichever is less.
• Auto loan and lease protection option to close the loan/lease gap. We offer you protection to cover your lease or loan. After all, being in an accident is stressful enough.

Easy to use: Smooth road ahead

• Over 60 ConciergeCLAIM locations for one-stop auto repair. We'll have you out so fast, you might just confuse it with a car wash.
• Convenient payment plans. You choose how and when you want to pay. Talk about self-empowerment.
• Travelers.com offers a wide range of services, from claim updates to tips for staying safe. Go online and get an answer faster than you can say 'answer'.
• Support from your local independent agent. If you prefer to talk to an expert, no problem. We've got that covered too.

Experienced & Reliable: The Road Well-Traveled. For 150 years, we've been in the customer-satisfaction business. Choose Travelers, and you get trained professionals - from independent agents, to claims professionals, to customer service representatives - all standing behind you.

• 24/7 claim service. Because things don't just go wrong between 9 and 5.
• Prompt, accurate inspections, in most cases within 48 hours.
• Best-in-class claim handling. Nine out of ten people who file a claim with us recommend us.
• Financially stable. Here for you. And your dad. And his dad before him.

Cyber Security

Loss of personal and private information is the biggest security risk today.  Public entities especially have a big exposure and many have credit card and bank account information.  They also have medical programs with public health records, tax records, public employee benefit and retirement information, names and addresses of public school children, and court and criminal records, the protection of which is often subject to federal statutes.  The cost of notifying potential victims, offering credit or identity monitoring services, consulting with a public relations firm to control reputation damage, as well as defense and settlement expenses, can be exorbitant.

In April 2011 the Texas Comptroller of Public Accounts discovered that unencrypted data from the Teacher Retirement Center of Texas, the Texas Workforce Commission, and the Employees Retirement System of Texas had been posted on a public server for nearly a year.  Class action lawsuits have been filed against the state on behalf of approximately 3.5 million current and former state employees.

Employee training is key in these cases. It only takes one employee's mistake and you have a privacy issue on your hands. That's why insurance companies, when they consider insuring governmental or commercial organizations of cyber risks, focus on the proactive risk management techniques and employee training that the entity has in place or needs to establish.

Insurance is a "risk transfer vehicle".  It doesn't make the risk go away, it just pays for it if there's a problem.

Ben Goodwyn Agency 972.618.0100  shelly@bengoodwynagency.com

Uninsured Motorist Exposure Rising Dramatically

In 2010, the Insurance Research Council (IRC) reported that 1 in 6 drivers was likely uninsured nationally, and approaches 1 in 3 in some states. It noted a remarkable correlation between unemployment and being uninsured. It also highlights the uninsured motorist, the underinsured motorist and the fact that the exposure extends to hit and run pedestrian and/or bicycle accidents. This is a coverage where a few premium dollars can change someone's life after an accident.

With the average American spending about 1 hour per day commuting, the exposure is very real. While many states require minimum uninsured motorist coverage of typically $10-25,000 per person and $30-$50,000 per accident bodily injury and $10-$25,000 property damage, coverage over and beyond this is available (up to limits on liability on policy). An additional $1 million of uninsured motorist coverage can be added to your personal umbrella policy.

To make sure you are protected well in Texas, contact Shelly Guibert, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

Three Common Homeowner Claims Questions

Q. Why doesn't my homeowner policy cover settling, cracking, wear and tear, etc.?

A. The simple answer is because it is a certainty, not a risk. The purpose of insurance is to spread the uncertainty of risk among a large pool of people. Some will never suffer a loss while others will suffer very large losses. We insure things that are unlikely to happen to any one home (such as fire, hail, tornado).  Cracking, settling, wear and tear are certain to happen to EVERY house. If we covered those it would be more like a warranty and would not be affordable.

Q. Why is there a limit in the policy for cash? (as well as jewelry, etc.)

A. Two reasons: First, most people do not keep much cash on hand.  Second, it is considered a "moral hazard." Cash is easy to steal and transport and hard to prove that one had a specific amount. Not surprisingly, if an insured had $500 stolen how easily it can increase to $10,000.

Q. Why do I only get paid actual cash value up front on a claim?

A. Again, two reasons. Insurance is almost 400 years old. For 340 of those years, all insurance ever paid was actual cash value. Insurance is based on the concept of indemnity (making one whole). If you lose a 2 year old iPhone, you get paid for a 2 year old iPhone. You are made whole, not better off. Replacement cost is a benefit. It goes beyond indemnity and adds value to the customer's loss. For that reason, your policy does not pay the benefit UNTIL the customer actually replaces the item with a new one. The second reason is similar to the moral hazard described above. If you knew that it was likely your 2 year old iPhone would be stolen you might be more careless with it in hopes you will get a newer, better one. That increases the insurance company's risk, and therefore increases premiums.

Shelly Guibert - Ben Goodwyn Agency - 972.618.0100 - www.bengoodwynagency.com

Construction Risk and Insurance Specialist (CRIS)

The CRIS Certification Establishes Credibility and Dedication

The Construction Risk and Insurance Specialist (CRIS^®) continuing education (CE) program was developed by International Risk Management Institute (IRMI) to make it much easier for insurance agents, brokers, CSRs, and in-house risk managers or insurance buyers to gain specialized expertise in construction insurance and risk management. Obtaining the CRIS certification increases the competence, confidence, and credibility of insurance professionals who sell or underwrite insurance for contractors. A contractor who buys insurance from a CRIS designee will know he or she is dealing with someone who is committed to the construction industry. Construction insurance buyers who obtain the certification will have the knowledge to make wiser insurance and risk management decisions for their employers.

The following five classes must be taken and participants must pass an online exam for each.

• Commercial Liability Insurance for Contractors
• Contractual Risk Transfer in Construction
• Workers' Compensation for Contractors
• Property Insurance for Contractors
• Commercial Auto, Surety, CIPs and Miscellaneous Lines

If you are a contractor in Texas contact Shelly Guibert CRIS_®, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

Tips for Driving Safely with Children

This is Child Passenger Safety Week

Kids are back to school and it is likely some of you will be doing a lot more driving with your children in the vehicle. According to a National Highway Traffic Safety Administration (NHTSA) report, the leading cause of death for children ages 3 to 14 are motor vehicle crashes.

Reduce your risk by following these tips for safe driving when there are children in your vehicle:

1. Young children - when they have outgrown a convertible safety seat, they should use a booster seat until they are 10 years of old.
2. Toddlers - keep toddlers in a rear-facing, convertible safety seat for as long as possible. When the child outgrows the safety seat, toddlers should sit in a forward-facing safety seat complete with a full harness.
3. Infants - always drive with infants in a rear-facing safety seat. Once a child exceeds the manufacturer's height and weight limit of the seat, infants should continue to ride facing the rear in a convertible safety seat.

Remember, car seats areonly effective in keeping children safe if they are correctly installed. Double-check that the safety seat is mounted correctly, locked in place and that all buckles and straps are intact.

Shelly Guibert - Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

Texas Wild Fires

You can help Texas volunteer firefighters by making a tax deductible contribution online to the Trusted Choice Foundation Volunteer Firefighters Assistance Fund . Every dollar helps, and in return you can get decals and stickers that announce your support. In addition, you can like the "I Support Volunteer Firefighters" Facebook page and share it with your Facebook friends to help spread the word and increase donations to the Texas Wildfire Relief Fund statewide. Our Texas firefighters deserve the best protection we can afford.  More than 1500 homes have been lost in the Bastrop Texas area alone.

Five Back to School Safe-Driving Tips

Each year an average of 19 school-age children lose their lives in accidents related to school transportation, according to a National Highway Traffic Safety Administration.

1. Red Means Stop (Really). When you see the red flashing lights on a school bus, don't be tempted to pass it. Stop and stay stopped until the lights no longer flash.
2. Slow Down Near Schools. Watch for designated crosswalks and children who may not be paying attention. Follow the reduced speed limits in school zones.
3. Conduct a Car Check. Make sure headlights, oil, turn signals, and tires are good before letting your child leave for their trip to college. You never know when these vehicle essentials may break down.
4. Stay Back, Don't Pass. It is illegal to pass on the right side of a bus. Remain alert when children are loading and unloading the bus.
5. Stay Alert. Children are unpredictable. You never know when they'll run into the street, especially near a bus or in a school zone. Be vigilant and anticipate a child's move.

Ben Goodwyn Agency - 972.618.0100  shelly@bengoodwynagency.com

New Texas traffic in effect September 1

Traffic Laws

· Tow trucks have now been added to the slow down or move over laws, which require drivers to slow down 20 miles per hour below the speed limit, or to vacate the lane closest to the stopped emergency vehicle that has emergency lights activated if the road has multiple lanes traveling in the same direction. (HB 378)

· Speed limits will now be the same during night and day driving, and separate speed limits for trucks have been eliminated. The maximum speed limit on state highways may be raised to 75 miles per hour if approved after a finding by TxDOT that the increased speed would be reasonable and safe following an engineering and traffic investigation. (HB 1353)

· A driver may not allow a child under 18 to ride in a watercraft while it is being towed on a street or highway. This does not include watercraft being towed on a beach or in a parade. (HB 2981)

Driver License

· Hardship driver licenses will be suspended if the holder is convicted of two or more moving violations during a 12-month period. DPS may no longer waive the driver education requirement to issue a 60-day hardship license. (HB 90)

· Drivers subject to the Driver Responsibility Program will be able to pay the entire three-year amount of surcharges owed for a violation in advance, rather than paying across all three years. (HB 588)

· Veterans will be exempt from the fee for a personal identification certificate if they can show honorable discharge and at least 60 percent service-related disability. Disabled veterans are exempted from driver license fees under current law. (HB 1148)

· A veteran designation will be displayed on a driver license for applicants who provide proof of military service and honorable discharge. (HB 1514)

· The Sunset Commission has been charged with reviewing the current oversight structure of driver education and driver safety schools, which are currently overseen by the Texas Education Agency, and determine if another state agency should have oversight. Providers of driver education courses, including DPS for the purposes of parent taught driver education, will be able to provide certificates of completion directly to those who have completed driver education courses. (HB 2678)

· DPS will establish a deferral program for surcharges assessed under the Driver Responsibility Program to military personnel actively deployed outside the U.S. for the duration of the individual’s deployment. (HB 2851)

· Voters will be required to present a driver license, personal identification certificate, military identification, election identification certificate, United States citizenship certificate passport, or concealed handgun license to participate in an election. DPS must create an election identification certificate to be issued by DPS for registered voters who do not have any of the other acceptable forms of photo identification. The election identification certificate will be distinguishable from a driver license or personal identification certificate, and will be issued free of charge to persons only if they do not hold any other acceptable form of identification, as listed in Election Code 63.0101. These forms of identification include a driver license, personal identification certificate, military identification, a United States citizenship certificate, passport, or concealed handgun license. (SB 14)

· A four-hour driving safety course was approved for drivers under 25 years old. Drivers under 25 who are cited for a moving violation may be required to take this course. (SB 1330)

· Applicants for a driver license or identification certificate must provide proof that the applicant is lawfully present in the United States. Applicants who are not U.S. citizens, legal permanent residents, or admitted to the U.S. as refugees or asylees are considered temporary visitors. Driver license and identification certificates issued to temporary visitors expire concurrent with the end of the applicant’s lawful presence, or after one year if the legal stay is indefinite. Driver license and identification certificates issued to temporary visitors are to be in the same format and contain the same information as those issued to U.S. citizens and legal permanent residents. (SB 1, 82^nd 1^st Called Session, effective September 28, 2011)

Driving Safety Tips for College Students

Here are some valuable driving safety tips for your students heading off to college.

• Pack right and avoid cramming - even though your child will try to fit everything they own into their vehicle, make sure whoever is driving is able to see out the rearview mirror. Nothing should be higher than seat level to avoid projectile movement of objects during a short stop. Either take two trips (if necessary) or ship some items.
• Take a break - plan to make stops and break up the drive if it is a long one.
• Conduct a car check - make sure to check headlights, turn signals, tires and oil before your child leaves for college.
• Watch for pedestrians - all college campuses have increased foot traffic. Remind your child to yield to pedestrians and never pass a car stopped at a cross walk.
• Always lock up - Urban areas of college campuses are not as safe as a parent's drivweay. Never leave valuables in the car and always lock the car.

Shelly Guibert - Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

Five Places to NEVER Use your Debit Card

1. Rental/security deposit - The business taking the money down for a car rental or home improvement equipment will actually take the money out of your account. You'll get it back when you return the car or equipment. With a credit card, the money is just "frozen" but not actually charged and you won't even notice its impact on your account.
2. Restaurants/bars - There are too many prying eyes. Besides the risk of having your card stolen, restaurants are one of those places where someone actually walks away with your card and you don't see them for a few minutes.
3. Regular payments - Businesses like to get your debit card number so they can extract dues straight from your bank account on a regular basis. It's better to use a credit card. In that way, if there is a dispute, the business won't be able to take the cash right out of your checking account.
4. Wi-Fi hot spots - NEVER use your debit card for an online purchase while at a free Wi-Fi location. Many of these are unsecured wireless connections and it's much easier for hackers and scammers to log on and steal your data.
5. Any retail outlet where you choose the "credit" option. Credit purchases cost the retailer more cash in swipe fees (you could be hurting a small business owner) and there is the factor of delay. You may forget the purchase and not account for the money and that could lead to an overdraft situation and the onerous fees that can go with them.

Protect yourself, protect your credit.

Shelly Guibert, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

A special message for Texas homeowners (or wannabe homeowners).

In addition to providing you with useful information about insurance, Ben Goodwyn Agency wants to help its networking partners grow their business and provide the public with information that may be very beneficial to them.

 

The following is from Summer Garret, a mortgage professional with Nationstar Mortgage in North Texas.

 

"Rates are at an all time low!!  ANYONE with a mortgage needs to contact me with the following information to determine if refinancing is a good option:
1.        Original sales price of the home, current loan balance, rate and your total current monthly payment

2.        Amount of annual property taxes and homeowners insurance

3.        How long have you been in the home and what do you think it is currently valued at

New homeowners can take advantage of these low rates too!  We can guarantee a 15 day closing, and can help buyers down to 600 credit scores.  Contact me directly for more information or to fill out an application.  It costs you nothing! "

You may contact Summer directly at 972.880.9332 or summer.garrett@nationstarmail.com

I can testify to the fact that she is an awesome professional. We refinanced with her last December when we thought rates were as low as they were going to get, but they kept dropping.

You may also contact Shelly Guibert, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com for more information

Insurance is Big Bucks to Google!

Word Stream, a Boston MA-based provider of search marketing software, studied what keyword categories fetched the highest costs-per-click in Google AdWords. The keyword "insurance" took the number one spot - by a large margin.

24% of the most expensive keywords were related to the word insurance. These high cost-per-click keywords make Google the majority of its profits. In the last 4 quarters alone, Google made $32.2 billion in total advertising revenue.

Here are the top five keyword categories.

1. Insurance

2. Loans

3. Mortgage

4. Attorney

5. Credit

Would your home or auto insurance cover your child while living away from home at college?

It depends.

It is generally accepted that students attending college away from home are residents of their parents' household. The test is whether or not the move is intended to be permanent or temporary.

Your homeowners policy will cover personal property owned or used by a household resident while the property is located anywhere in the world. However, policies may limit that to 10% of the personal property limit when away from the home address.

Look at your policy personal property limit and take 10% of that amount. What did your child take to school? clothes, TV, computer, other electronics, furniture, and household items. How much would it cost to replace those items if they were lost at the same time due to fire or other catastrophe?

Some policies won't cover theft of personal property from the student's residence (except while the student is temporarily living there).

Liability coverage is afforded in case a family member is legally liabile for another person's injury or damage to another person's property. But again, some policies may limit the coverage when an accident occurs at a residence other than the family home. You may be able to purchase additional liability coverage for a separate residence for an additional cost.

As you can see, there are potential coverage gaps in your homeowners policy when your student is at college. We recommend you purchase a tenant (renter's) homeowners policy for the student's residence. The cost of such a policy is small compared to the benefits it provides.

Your automobile policy will provide coverage for vehicles anywhere in the United States and Canada. This includes coverage for damage to the vehicle (if coverage was purchased) as well as coverage for injury or damage to other persons or property.

Even if they didn't take a vehicle to college, some coverage may still apply if they are riding in or even driving a vehicle belonging to someone else.

To find out if your insurance has potential gaps, please call Shelly at Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

Distracted Driving

In a recent GMAC Insurance study, women are more likely to have distracted driving habits than men. These include eating, adjusting GPS devices, changing songs, taking pictures, applying makeup and changing clothes.

52% of female drives say that eat while driving (opposed to 44% male drivers)

• 83% of female drivers text at red lights (versus 71% male drivers)
• 38% of female drivers say they do not engage in distracted driving activities (46% male drivers)

Shelly, Ben Goodwyn Agency 972.618.0100 shelly@bengoodwynagency.com

What is better for you? Choosing a captive insurance agent or independent insurance agent?

When you’re looking to purchase insurance you will have many decisions to make. Choosing an agent is one decision. How do you determine to use a captive insurance agent or an independent insurance agent? But the biggest question is “why should this be a consideration?”

A captive agent (State Farm, Allstate, Nationwide, Farmers, etc.) has an exclusive relationship with the company he or she represents. The company mandates that the agent only sells the products offered from that company only, for the privilege of working under their name.

An independent agent has no exclusive relationship with any company they represent. The agent is free to choose the products they will sell and the company(ies) will sell for.

All agents paid by commission in some form or other. Insurance agents must consider what company(ies) will give them the best opportunity to earn a living. Most agents look to work for big name companies because working for a big name company may offer them more opportunity to make a sale and get a commission check.

Why should you care what type of agent you use? The reason comes down to two more questions. The first question is about family, and the second question is about trust. The question about family is: when the agent is presenting you with a product whose family does he or she have in mind? Your family or their own family? The question of trust is a personal one for you as the client. When you look into the agent’s eyes do you trust that what is being offered is what is best for your family and not the agent's?

The captive agent must sell what the company offers.

Independent agents generally have a wide variety of products and companies. This variety is good for the client and the agent. The client has a better chance to find a company that can fit exactly what they need, the client can shop for the best price, the best company rating, and the best product without having to go or call company after company. The agent can look for what is the best product for this client and not feel pressure into selling anything that is close to what the client needs just to get paid.

There are many more facts to consider when choosing your agent, however don’t leave this consideration out. It may be the most important one of all.

Call Shelly Guibert, Ben Goodwyn Agency, independent insurance agent. 972.618.0100 shelly@bengoodwynagency.com

Member Independent Insurance Agents of Texas

Your Vehicle Title can Keep you out of a Jam

The Texas Department of Motor Vehicles has the following suggestions regarding your vehicle title:

If you're the seller:

• File a Vehicle Transfer Notification with 30 days when you sell, trade-in, gift or donate your vehicle. It's free and you cannot be held responsible for parking tickets, toll charges and other violations after the sale date.
• Sign the title over to the buyer and complete section 130-U. Keep the date of sale, vehicle make, model, VIN and buyer's name, address and phone number.
• Keep your license plates and windshield registration sticker. You can transfer your license plate to a new vehicle through your local county tax office.

If you're the buyer:

• Make sure you're getting a clean title. Take the seller with you to the county tax office to transfer the title.
• Ask for the vehicles records.
• Get your new vehicle titled in your name. You have 20 business days from the date of sale to apply for a new title.
• Go to www.TxDMV.gov to download a temporary Vehicle Transit Permit.

For more information contact Shelly Guibert at Ben Goodwyn Agency 972.618.0100 or shelly@bengoodwynagency.com

Beat the Heat Contest

Join the Ben Goodwyn Agency for a “Beat the Heat” contest in August.  Travelers Insurance has announced a contest for its independent agents and our agency wants to pass on the challenge.  All our Texas friends that have us quote a new policy in August will get their name put in a bowl for each quote.  All our friends that issue a policy in August will get their name put in a bowl for each policy. For example, if you have us quote your home and auto, you will get your name entered twice, if we issue both policies you will get two more entries for a total of four. 

 

 If you refer a friend/client to us for a quote, both you and the friend/client will get your name put in a bowl for each quote.  Sounds easy, right?

 

I’ll bet you would like to know what the prize will be. 

 

You will have your choice of an iPad 2 16GB with Wi-Fi and 3G or a custom 50” quilt in your color choices.

 

Remember, you can’t win if you don’t call.  If you have your declaration pages available, it might take 10 minutes of your time.  Contest ends on 8/31/11 at 11:59 pm.  Drawing will be Thursday, September 1.  Need not be present to win.

 

We can be reached 8 a.m. – 9 p.m. 7 days a week.

 

Shelly Guibert 972.618.0100

shelly@bengoodwynagency.com

James Guibert 214.455.3921

I've been hacked! Now What?

If you think your computer has been hacked, do you know how to identify and analyze the cause?

Immediately cease all online activity and contact your IT administrator.

• Remove the affected computer from the network (and any other computers involved).
• Contact your financial institution(s) to disable online access to your accounts and close them.
• If applicable, consult your attorney and determine your state's data breach notification law and regulations to determine what steps you need to follow.
• Notify other business partners that may have been affected.
• File a report with your local police department.

Following are some important terms you should know:

Malware refers to software programs that have been designed to damage or do other unwanted actions on a computer i.e., spyware, keyloggers and computer viruses.

Spyware is installed on your computer without your knowledge. It is designed to collect small to large pieces of personal information, including your internet surfing habits. It is typically hidden from the user and can be difficult to detect once it is on your computer without proper antispyware tools.

Keyloggers will track (log) the keys struck on a keyboard, typically in a hidden manner so you don't know you are being monitored. They may record words typed, Web browsing history, passwords and other private information.

Viruses are ever changing and a constant threat to systems. They can deliver harmful content to your data and systems in an attempt to collect data, destroy data or turn it into a drone that spreads viruses.

Phishing is the act of gathering personal information or spreading malware using emails, calls, text messages or pop-up messages from what seems to be friends or legitimate banks, retailers, government agencies or organizations.

It is recommended that you buy virus protection software from a respected source and use it regularly.

Shelly Guibert

Ben Goodwyn Agency

972.618.0100

Who would have guessed it?

Very unexpected results from the "Distracted Driving Study" by GMAC Insurance indicates that the least experienced and youngest drivers are the LEAST LIKELY to have distracted driving habits. For the most part the only distracted driving habit a teen driver may have is song selection. Drivers over 60 years old are also with fewer distracted driving habits than young adult drivers.

• 57% of young adult drivers say they eat while they drive versus 39% of teen drivers and 38% of drivers over 60 years old.
• Approximately 30% of young adult drivers adjust their GPS (4% teens and 13% drivers over 60 years old).
• 28% of young adult drivers do not use their smart phones to text, email or make calls. However, 75% of teen drivers and 72% of drivers over 60 years old have stopped using their mobile devices completely while driving.

Visit www.gmacinsurance.com and click on the National Drivers Test button to take the test. You can also access it on Facebook on the National Drivers Test Facebook App where you can "challenge a friend" to take the test.

Shelly Guibert

Ben Goodwyn Agency

972.618.0100

What in the world is a QR Code?

"What is that?"

A QR Code is a 2 dimensional barcode initially designed to track automotive parts during manufacturing. It was developed in 1994 by Denso-Wave.

With the proliferation of smart phones, the QR Code (quick response) is quickly becoming known in mainstream American culture. All you need is a smartphone with a built in camera and QR Code reader application.  One such free app is i-nigma from 3GVision, available from either the Apple App Store, Blackberry App World, or Android Market. 

The unique design allows it to be read from any angle and its storage capacity is greatly increased compared to a typical one dimensional barcode.  To scan a QR code initiate your QR code reader and point your phone's camera lens on the code.  Usually it will take the user to a web site, dowload information to your phone (including contact information, important dates, begin a phone call or e-mail or even directions to a location). They have now evolved to be powerful marketing tools and can be seen on billboards, magazine ads, restaurant menus, and even on clothing.

QR Codes are gaining more attention in the United States and will likely evolve into even more exciting technology

Shelly Guibert, Ben Goodwyn Agency

972.618.0100

 

Top 3 Reasons to Choose Safeco Insurance

Big savings

• Save up to 15% on your premium when you choose both home and auto policies with a Safeco package
• Companion discounts when you include a motorcycle, watercraft or personal umbrella policy
• You get a Single Loss Deductible, meaning if you experience a significant loss (like a fire or storm) that impacts your home and auto or motorcycle or watercraft, Safeco may waive all deductibles after the home policy deductible is paid

Convenience

• Your choice of a six month or annual auto policy
• Combined billing statements giving you a single bill for all your policies
• You may align renewal dates and receive policies in the same envelope affording you simplicity and less paperwork

Comprehensive protection, flexible options

• Choose from multiple coverage options for both your home and auto policies
• 24/7 claims service is fast, fair and hassle-free.  Simply call 1-800-332-3226 and Safeco will do the rest
• Strengthen your coverage with optional enhancements, like equipment breakdown insurance for your home and roadside assistance for your automobile

If you would like to learn more, please call Shelly at Ben Goodwyn Agency 972.618.0100  shelly@bengoodwynagency.com

 

Motorcycle Insurance Policies

According to the Motorcycle Industry Council, motorcycle sales for the major brands increased 7.2% in the first quarter of 2011, and motorcycle usage is growing nearly 5% per year.  The National Transportation Safety Board states that while motorcycles make up only 3% of all registered vehicles, they account for 13% of all vehicle fatalities.

A customer wishing to insure a motorcycle has two options: add it to an existing auto policy by endorsement, or purchase a separate motorcycle policy.  A separate motorcycle policy can ensure that customized accessories are insured to full value. Another way to customize a motorcycle policy is to include "seasonal" coverage for those who only use their bikes during warm months.

Driving history, credit score, location and age can affect insurability, as well as the cost of the policy. Policy holders can often receive discounts by completing a motorcycle safety course, wearing a helmet and joining a motorcycle organization.

Have fun riding, but make sure you have adequate coverage in the event of an accident.

Call Shelly at Ben Goodwyn Agency 972.618.0100 for more information.

Safeco's Safety Rewards for Auto Insurance

New Safeco Safety Rewards™ program makes it easy to receive discounts

Starting in July, Safeco Safety Rewards will allow you to highlight discounts that reward customers for safe driving habits and behaviors.

Recognizing customers with discounts improves loyalty and you told us that customers appreciate it when you offer clear, understandable discounts. That’s why we’re excited to announce Safeco Safety Rewards. This new program is part of our focus on improving the Safeco experience for you and your customers. By recognizing safe drivers with discounts – and making these discounts more visible – we make it easier for you to sell Safeco.

For the first phase of this new program, Safeco will bundle existing auto discounts under Safeco Safety Rewards and spotlight the value of these discounts. Later this year, Safeco will roll out new auto discounts, so stay tuned for more details!

Here’s a quick view of the existing auto discounts that are bundled in the Safety Rewards program.

Safeco Safety Rewards

• Diminishing Deductible
• Accident Forgiveness
• Teen Safety Rewards™  - Good Student Discount

Contact Shelly at Ben Goodwyn Agency 972.618.0100  shelly@bengoodwynagency.com for your insurance needs

Don't let a home loss be a more a pain than it needs to be

A standard homeowner's policy covers personal property, but only on an actual cash value (ACV) basis i.e., depreciated and only for the named perils of the policy. Two coverages available can provide additional protection and make it easier to recover from a loss. Besides adding key enhancements, they add great value, costing just an additional small percentage to the premium.

Personal property replacement cost coverage provides replacement of a lost or damaged item with an identical item (or comparable) with no deduction for depreciation. Because electronics and other items can depreciate quickly, this coverage can greatly benefit customers needing to purchase replacements. Should you lose an older television you would only be compensated for ACV which would be only a fraction of the cost of a new device (due to depreciation). With the replacement cost endorsement you would be better protected and returned to a pre-loss condition more quickly.

Special personal property coverage means all personal property losses are covered (unless specifically excluded). For example, a diamond bracelet is missing. Under a standard home policy, this would not be covered unless it is actually the result of a theft. With special personal property, mysterious disappearance is not excluded and as such the loss would be covered.

Contact Shelly at Ben Goodwyn Agency  972.618.0100  shelly@bengoodwynagency.com

Home Based Business Insurance Considerations

While the economy continues to struggle, more families are looking for ways to supplement their incomes. Some start home based businesses selling everything from cosmetics to energy drinks to vitamin supplements without thinking about the insurance implications.

The term "business" is specifically defined in the Insurance Services Office (ISO) Homeowners Form and includes "any trade, profession or occupation engaged in on a full-time, part-time or occasional basis".  It also includes any other activity engaged in for money or other compensation. There is an exception for activities for which no insured received more than $2,000 in total compensation during the 12 months prior to the policy inception.

The property section limits coverage to $2,500 for property used for "business" purposes. This includes inventory and samples stored at the residence and any other equipment used to support the business.

The personal liability section excludes ALL business activities (except the occasional rental of all or part of an insured location as a residence or part of an insured location for use as an office, school, studio or private garage). There is also coverage for someone under 21 self-employed in a part-time business. Samples of this could include babysitting or mowing lawns for family members (if they have no employees).

There are endorsements that will address the exposure.  Business property can be increased by endorsement. A more comprehensive solution is the Home Business Coverage Endorsement or similar stand alone product. These forms address not only the property and liability exposure, but also add coverage for loss of business income.

Call Shelly at Ben Goodwyn Agency for more information 972.618.0100  shelly@bengoodwynagency.com

Protect your dog from heat stroke

With another 7 day forecast of 100+ degree weather it is important to remember that dogs do not tolerate high temperatures as well as humans. They depend upon rapid breathing to exchange warm air for cool air. When the air temperature is close to body temperature, rapid breathing is not an efficient process. Heat stroke is an emergency that requires immediate recognition and prompt treatment.

Common situations that lead to overheating or heat stroke in dogs are:

1. Being left in a car in hot weather (especially with the windows closed).

2. Being confined on concrete runs; or chained without shade in hot weather.

3. Being a short-nosed breed, especially a Bulldog or Pug.

4. Being muzzled while put under a dryer (this can happen in a grooming parlor).

5. Suffering from airway disease or any condition that impairs breathing.

Heat stroke begins with rapid, frantic, noisy breathing. The tongue and mucus membranes are bright red, the saliva is thick and tenacious and the dog frequently vomits. The dogs' rectal temperature is high, sometimes over 106 degrees F.

If the condition is allowed to go unchecked, the dog becomes unsteady and staggers, has diarrhea that often is bloody and becomes progressively weaker. Coma and death may follow.

Treatment: Emergency measures must begin at once. Mild cases respond to moving the dog to a cooler surrounding, such as an air-conditioned building or car. If the dog's temperature is over 104 degrees F, or if unsteady on its feet, the dog should be cooled by immersion in a tub of cool water. If this is impossible, hose your dog down with a garden hose. For a temperature over 106 degrees F, or if the dog is near collapse, give a cold water enema. A more rapid temperature drop is imperative. Cool to a rectal temperature of 103 degrees F.

Heat stroke can be associated with swelling of the throat. This aggravates the problem. A cortisone injection by your veterinarian may be required to treat this.

Prevention:

1. Do not expose dogs with airway disease or impaired breathing to prolonged heat.

2. Restrict exercise during the heat of the day in summer.

3. Breed dogs in air-conditioned quarters.

4. Crate a dog only in an open wire cage.

5. Provide shade and cool water to dogs living in outdoor runs.

To most people, their dogs are like family.  Remember to treat them like family.  Shelly, Ben Goodwyn Agency 972.618.0100

Will you get full value if your home incurs a total loss?

We've all seen the news accounts of tornadoes devastating homes in even large cities.  Did you realize that when a total loss occurs, your homeowners coverage is designed to reconstruct your home under NORMAL conditions.  However, after a catastrophe, there is increased demand for building materials and labor and that can cause costs to rise significantly.

You can elect to get extended dwelling coverage at either 25% or 50% of your dwelling limit.  For example, if your home was insured for $100,000. Without extended dwelling coverage, you could incur significant out-of-pocket expenses or have to choose to reduce your rebuilding plans.  If you elected the 25% limit, coverage would increase to $125,000.

To see if you are properly insured for catastrophe, please call Shelly @ Ben Goodwyn Agency 972.618.0100  shelly@bengoodwynagency.com

Tips for Removing your RV or Boat from Storage

Get off to a good summer! Before you even leave the storage facility, review these tips:

• Remove covers from unit (and/or tires) and inspect entire unit (and all tires) for any damage. Get a detailed inspection for your boat to a qualified marina.
• Properly inflate tires prior to use.
• Check fluid levels and look for leaks.
• Check under the hood for any animals or birds that may have nested before starting the vehicle.
• Check all batteries and cables. Replace batteries in smoke detectors.
• Test headlights and brake lights.
• Be sure to replace boat plugs before putting in water.
• Ensure state certifies (registration) are current.
• Review your owners manual, or take the vehicle to a dealership or service location.

Visit Ben Goodwyn Agency @ bengoodwynagency.com or call 972.618.0100 for more information.  Ask for Shelly!

Boat Insurance

Protect your boat and its passengers. Leave your worries on the shore!

A boat owner's insurance policy can insure you against most risks of owning and operating your boat, its motor and its trailer.

These risks may include:

• Sinking
• Fire
• Storms
• Theft
• Capsizing
• Stranding
• Collision
• Explosion

The property covered under boat insurance includes equipment permanently attached to the boat as well as:

• Anchors
• Oars
• Electric trolling motors
• Extra fuel tanks
• Tools
• Detachable canopies
• Seat cushions
• Life preservers
• Skis and their tow ropes
• Dinghies.

It can also protect you against liability lawsuits, should you injure someone with your boat or damage their property.

Boat Liability Insurance coverage includes:

Boat liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.

Boat medical payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.

Additional boat insurance coverages include those for:

Newly acquired watercraft covers your newly acquired watercraft for damage caused by an insured loss.

Reasonable repairs covers repairs incurred to protect covered property from further damage.

Emergency service pays up to $500 for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

Wreck removal pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your boat when damage is caused by an insured loss and removal or destruction is required by law.

Make sure to ask your independent insurance agent these questions:

• Are my trailer and boating supplies covered?
• Do I get discounts for completing boating safety courses? Which ones?
• Am I covered for both inland and ocean boating?
• Are there any unique exclusions or exceptions in my state/area?
• Are younger operators covered?
• Will I receive the actual cash value or replacement cost if my boat is totaled?
• What payment options are available?

What kind of discounts are available for insurance?

Auto Discounts:

• You're a homeowner
• You have your home/condo/renter policy with same carrier as auto
• Paid in full
• Multi-car
• Advance quote (quoted 8 plus days before issue)
• Anti-Theft device
• Low Mileage
• Teen Safe Driver
• Good Student
• Distant Student Driver
• Driver Training
• Accident Prevention Course

Home Discounts:

• Newer home
• Renewal
• Companion (home and auto with same carrier)
• Umbrella
• Burglar alarm

To find out what discounts you are eligible for, contact Shelly at Ben Goodwyn Agency 972.618.0100 or shelly@bengoodwynagency.com

Did you realize employee coverage from employers is getting more rare?

In the last 10 years, premiums for a family of four have jumped 70% from $6424 to $10,945. The employee portion of those premiums increased by 90% from $1,780 to $3,389.

The percentage of employees who get their health insurance through their jobs is down 8 points in the last 10 years to 162.5 million. In Texas only 51.5% of employees have employer-sponsored insurance.  Across all income levels, more than half of those who have lost their employer sponsored insurance were in families earning moderate incomes (for a family of four).

On top of that, more doctors are charging patients if they are asked to complete forms (i.e., health form for summer camp, school physical). The per-item fees are typically ranging anywhere from $5 to $20+.

Safe Driving Tips

Maintain your car in good condition - Each time you have oil changes, tune-ups or other type of work on your car, record the date in a notebook and keep the car's maintenance on a regular schedule. Make sure tire tread is above the wear bars. Worn tires can blow out, skid and cause accidents, and don't keep good traction in wet road conditions. Check brake lights and turn signals regularly to make sure they are working.

Do what you can to avoid collisions - By driving the legal speed limit and by keeping at least one car length between you and the car in front of you (for every 10 mph you are traveling) i.e, 4 car lengths if you are traveling at 40 mph, you can minimize the risk of a collision.  Use your turn indicator and slow down gradually to avoid being hit from behind.

Be cautious at intersections - Over 2/3 of all traffic injuries occur at intersections, so be prepared when you approach one. Always use your turn signal if you are planning to turn, and assume other drivers don't see your signal. Proceed cautiously. DON'T assume others will give you the right-of-way.

Don't drive if you are taking medications or are tired - Many cold remedies cause drowsiness. Driving while tired increases the potential for injuries.

Always wear your seat belt - You can increase your chance for survival in an accident if you get into the habit of wearing your seat belt.

Keep infants and toddlers in car seats - By law, children under four must be belted into specially designed car seats and not permitted to move around while the vehicle is moving. Infants should never be in an adult's lap.

Yield as often as possible - A defensive driver will yield as often as possible to other drivers who are determined to go first. If you approach an intersection at the same time as another vehicle, allow the other driver to proceed first unless he or she signals to you otherwise. A little patience can save time and injury.

Don't drink and drive. Coffee cannot alter the chemical effects that alcohol has on your body.

Ben Goodwyn Agency 972.618.0100

Shop Smart for Insurance with a Local Independent Agent

When you're tackling something unfamiliar - doing your taxes, booking a vacation - and you want to make sure it's done right, you hire a professional. The same is true with insurance.

A local agent asks you about your vehicle, home, and your life, and recommends options that match.

Some local agents sell policies from only one company (captive), and others sell policies from multiple companies. An "independent" agent who sells policies for multiple companies can offer you more options because they have more companies and insurance products to choose from.

When you're ready to talk to a local agent, here are questions they might ask to create a policy that's right for you:

• Do you have an older car? Once your car reaches a certain age, you can lower the amount of physical damage coverage (comprehensive and collision). Your agent can adjust your policy accordingly. He or she also might suggest raising your deductible to save more money.
• What's changed in your life lately? If you've recently moved, gotten married or had a birthday, you might be eligible for discounts.
• Do you need coverage for a different kind of vehicle? Your agent can help you get a discount for insuring multiple vehicles, and they don't have to be cars. If you have a boat, RV, ATV, or motorcycle, it needs insurance too.
• Do you need to insure something other than a car? One of the main advantages of an agent who sells more than one company's products is the ability to pick the best matches for all of your insurance needs - home, business, life, etc.

A local agent can help maximize your selection and savings.  Call Shelly @ Ben Goodwyn Agency today at 972.618.0100

Do you know the terms used by experts for impending floods?

Flood Watch:

Flooding is possible. Tune in to National Oceanic and Atmospheric Administration (NOAA) Weather Radio, commercial radio, or television for further information.

Flash Flood Watch:

Flash flooding is possible. Be prepared to move to higher ground,and tune in to the radio/TV.

Flood Warning:

Flooding is occurring or will soon occur; if you are told to evacuate, do so immediately.

Flash Flood Warning:

A flash flood is occurring; seek higher ground immediately.

Driving Flood Facts

The following are important points to remember when driving in flood conditions:

• Six inches of water reaches the bottom of most passenger cars and can cause loss of control and possible stalling.
• Twelve inches of water will float many vehicles.
• Two feet of rushing water can carry away most vehicles (including sport utility vehicles (SUVs) and pickups).

Contact Ben Goodwyn Agency for more information 972.618.0100

Could you pass the standard DMV 20 question written test?

Millions of people across the nation, driving on the roads each and every day, may fail.

Are you one of them?

Our office is teaming up with GMAC Insurance this year to ask the Texas driving public this very question and encourage you to take a test that will help you keep the rules of the road and recall safe driving habits to your minds.

It's part of the 7th Annual GMAC Insurance National Drivers Test. We're partnering with GMAC Insurance for this fun and simple way to refresh your driving credentials and make you a better, safer driver.

Look for future posts to follow and get ready to brush up on your driving knowledge.

Thank you for your business.

Ben Goodwyn Agency 972.618.0100

Are you complying with Texas Workers Compensation Law?

Workers’ compensation is a regulated insurance system in each state that provides covered employees with income and medical benefits if they are injured on the job or have a work-related injury or illness. Workers’ compensation insurance limits an employer’s liability if an employee brings suit against the employer for damages except in cases of gross negligence . In Texas private employers can choose whether or not to carry workers’ compensation insurance coverage.

Texas employers who do not carry workers’ compensation insurance coverage are required to report their non-coverage status and work-related injuries and illnesses to the Texas Department of Insurance, Division of Workers’ Compensation (TDI-DWC). Employers are also required to notify their employees if they do not carry workers’ compensation insurance. Only very large employers are technically "self insured".  If you, as an employer, expect to pay for injuries out of your own pocket, you are NOT self insured.  You must still file with TDI.  Employers who do carry workers’ compensation insurance coverage are required to report any work-related injuries and illnesses to their insurance carrier. Employers that fail to meet these requirements commit an administrative violation and may be subject to administrative penalties.

Contact Ben Goodwyn Agency for your free quote. 972.618.0100  shelly@bengoodwynagency.com

 

Small Business Owners' Safe Driving Tips

Keep your vehicle maintained. Remember to have regular (professional) inspections, and repair or replace parts when necessary.

Keep a safe distance. You may be carrying more weight than other drivers if you're driving a truck.  Try to keep a two to three second distance between your vehicle and the vehicle in front of you.  You want to make sure you have enough room to come to a complete stop in case they slam on their brakes.

Pull over when you need to check directions or change destination.  Take the next exit or stop at the neares rest area (don't pull over on the freeway median).

Be ready for the unexpected.  My dad used to say "expect stupid". Be property insured. You should have liability and physical damage (covers damage you cause to your vehicle or someone else's) in case of an accident.

As a business owner that depends on transportion for work, reliable transportation is a must.  These tips will keep your vehicle running smoothly and safely while you're on the road.

Ben Goodwyn Agency 972.618.0100

Do you want to be a Rock Star? or a Rocking Chair Star?

Men's health issues are on the rise due to the fact many men do not take advantage of routine health screenings.  Don't be one of the 70% of individuals who have not seen a health care provider in the last 5 years (American Medical Association).

We encourage you to schedule a health screening and include the following (per the Harvard School of Public Health):

1. Cholesterol and lipoprotein profile.  Cholesterol should be less than 200; LDL/bad cholesterol level should be under 100; HDL/good cholesterol greater than 60; triglyceride/fat level less than 150.

2. Blood pressure check.  High blood pressure (hypertension) can lead to heart disease, stroke, and kidney disease. Target systolic blood pressure is under 140 and diastolic (bottom number) below 70.

3. Diabetes screening. Diabetes affects insulin production and can lead to vision problems, kidney malfunction, and poor blood circulation.

4. Bone density test. Osteoporosis is a condition that causes bones to become thin and easily break and is responsible for approx. 70% of bone fractures in people over the age of 45.

5. Vitamin D level. We usually receive vitamin D through diet and exposure to sunlight. As we age, our ability to absorb vitamin D decreases putting us at greater risk for fractures and osteoporosis.

6. Colonoscopy. Baseline screen for colon cancer should be done at age 50.  Unless you have other risk factors, you only need this test once every 10 years.

7. Fecal occult blood test. Checks to see if there is blood in the intestinal tract which could be a sign of colon cancer, diverticulitis, polyps, irritable bowel syndrome and hemorrhoids.

8. Skin cancer screening. This is the most common type of cancer in the U.S. Most can be cured if caught early.

9. Vision screening. By age 65, you should have an eye exam every year. The risk of glaucoma and cataracts increases with age.

10.Hearing test. The incidence of hearing loss increases after age 50.

11.Thyroid test. Hormones produced by the thyroid gland are essential for many important body functions.

12.Metabolic syndrome screening. This condition comprises a group of symptoms: abdominal obesity, elevated cholesterol and triglycerides, high blood pressure, insulin resistance, elevated prothrombin level, and elevated C-reactive protein.

13.Testicular cancer screening. Signs can be detected during a physical exam. Note any abnormal lumps in your testes, as well as any change in size or shape.

14.Prostate cancer screening. More common in men over age 50, African-American men, and men with a family history of prostate cancer.

15.Bladder cancer screening. More common among older men and those with a history of smoking, occupational exposure to carcinogens, or chronic bladder infections, or a family history of bladder cancer.

Make a promise to yourself to become more proactive when it comes to your health.

If your health care plan does not cover a test listed here, you have other options. Consider attending local health fairs and senior fairs that often provide health screenings for free or for a nominal fee.

For more information, contact Shelly at Ben Goodwyn Agency 972.618.0100  shelly@bengoodwynagency.com

Preventing Employee Fraud

The Association of Certified Fraud Examiners revealed that approximately $994 billion were lost as a result of employee fraud.  While fraud is common place, it is more prevalent during hard economic times.  Some reasons may be economic pressure, rationalization and opportunity.  Take steps to minimize the risk of becoming a victim.  Learn to detect and identify early signs of employee fraud, effectively supervise your employees, and take appropriate action if you suspect an employee is stealing from your business.

Early Warning Signs

The best offense is a good defense.  Be vigilant, know the practices of your company and behavior of employees.  There are certain factors and behaviors that may alert you to possible fraud.

• Employees who will not take vacation
• Employees who will not delegate work to coworkers
• Employees who act differently or live outside of their means
• Employees who have too much authority
• Inconsistencies in the employee's reports
• Failure of an employee to provide supporting documentation or stalling when asked for it
• Lack of established financial controls
• Unexplained shortages in your financial books
• Unsupported documentation for expense reimbursements

Contact Ben Goodwyn Agency for more information. 972.618.0100

Can you be the victim of a cyber attack?

After a survey of more than 160 risk managers from a variety of industries, it was found that 73% of companies have NOT purchased network-liability policies.  This in lieu of the fact that the threat of cyber attack is increasingly real.  Of the companies that have not purchased network-liability policies, 37% say their own IT department is sufficient, and 15% say that either they are not concerned about the risk, or that a risk transfer policy is too expensive.

This may be in part due to the fact that while word of security breaches has made the news, the big lawsuits following them have not.  Once those first couple of big cases have made the news, more companies will purchase network-liability policies.

For more information about network-liability, contact Shelly at Ben Goodwyn Agency. 972.618.0100.

Pool Safety

If you have a pool, Ben Goodwyn Agency suggests taking the following safety precautions:

1. Completely surround the pool with a four-sided barrier such as a fence with self closing gates. If the house opens into the enclosed area, install alarms on doors leading to the pool area to prevent children from wandering into the pool or spa unsupervised. Consider creating several “layers of protection” around the pool, in other words setting up as many barriers (door alarms, locks and safety covers) as possible to the pool area when not in use.
2. Never leave small children unsupervised—even for a few seconds. Also never leave toys or floats in the pool when not in use as they may be a deadly temptation for toddlers trying to reach them who might then fall into the pool.
3. Keep children away from pool filters (and other mechanical devices) as the suction force may injure them or prevent them from surfacing. Know how to shut off these devices and clearly post this information so others can do so too in case of an emergency, .
4. Ask if pool users know how to swim. Learners should be accompanied by a good swimmer. If you have children, have them take swimming lessons as early as possible. And, do not allow anyone to swim alone.
5. Check the pool area regularly for potential accident hazards. Keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
6. Limit alcohol use around the pool. Drinking alcoholic beverages negatively impacts balance, coordination and judgment—and its effects are further heightened by sun exposure and heat. The Centers for Disease Control  reports that alcohol use is involved in up to half of adolescent and adult deaths associated with water recreation.
7. Clearly post emergency numbers on the phone, in the event of an accident. Keep a first aid kit, ring buoys and reaching poles near the pool. You may also want to consider learning basic water rescue skills, including first aid and CPR training. For additional information, contact the American Red Cross.

Contact Ben Goodwyn Agency at 972.618.0100 or www.bengoodwynagency.com

What are your chances?

The number of victims of identity theft in 2009 rose to 11.1 million. That's nearly 5% of the U.S. adult population with a new victim every 3 seconds.

There are steps you can take to protect what you've worked hard to earn.

The Hartford's howowners insurance protection will help restore or protect customers with the financial impacts of identity theft - through The Hartford's ID Fraud Expense Coverage. They have qualified fraud specialists providing one-on-one attention if they have been victims of identity theft as well as proactively offering steps to avoid becoming a victim.

You can be reimbursed for lost income due to time off work that is necessary to speak with credit agencies AND legal fees incurred to remove criminal or civil judgments resulting from fraud.

Contact Shelly at Ben Goodwyn Agency 972.618.0100