Our Happy Customer program is specially designed to capture your feedback and opinion. If you would also like to share your experience with Scurich Insurance Services, please do participate in Happy Customer. We would love to hear from you!
Here are a few testimonials from some of our Happiest Customers!
| sharon j. watsonville, CA |
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| We have been with Scurich Insurance for over twenty years and have always been extremely satisfied with the services they provide our company. No high pressure sales pitch, just professionals who work with us to find the right policies to fit our business needs. The entire staff makes us feel as if we are their most important client. A rarity in today’s business climate. |
| Louis I. Corralitos, CA |
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| Countlessadvertisements depict “Flo”, or a gecko, as possible advocates in theinsurance arena. Hopefully our competitors will take the bait and settle on afictitious character or a reptile to save a few bucks. Our firm sees the valuein the genuine article, the seasoned professional. The Scurich Family hasprovided both insurance products and valued advice to my family for threegenerations. Many uncertainties exist today in business; fortunately, theexcellence with which Scurich Insurance Services serves its clients is not oneof them. Their expertise, as a broker, to competitively shop for coverages, hashelped us manage costs–without unnecessary exposure. We have referred severalfriends and colleagues to the Scurich agency, for both commercial and personallines, all of whom have experienced the same high level of professionalism fromthe partners and their well-trained, courteous staff. I look forward to the daywhen the fourth generations of our two families are able to continue thismutually beneficial relationship.
LouisIvanovich, V.P.
WestLake Fresh, Watsonville, CA |
All of our agents at Scurich Insurance Services will answer any questions that you may have regarding your insurance policy with us. We would like to invite you to take our Happy Customer Survey and tell us why you are a Happy Customer of ours and we would like to invite you to connect with us on Facebook.
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Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy.
Term insurance differs from the permanent forms of life insurance, such as whole life, universal life, and variable universal life, which generally offer lifetime protection as long as premiums are kept current. Also, unlike other types of life insurance, term insurance does not accumulate cash value. All the premiums paid are used to cover the cost of insurance protection, and you don’t receive a refund at the end of the policy period. The policy simply expires.
Term life insurance is often less expensive than permanent insurance, especially when you are younger. It may be appropriate if you want insurance only for a certain length of time, such as until your youngest child finishes college or you are able to afford a more permanent type of life insurance.
The main drawback associated with all types of term insurance is that premiums increase every time coverage is renewed. The reason is simple: As you grow older, your chances of dying increase. And as the likelihood of your death increases, the risk that the insurance company will have to pay a death benefit goes up. Unfortunately, term insurance can become too expensive right when you need it most — in your later years.
Several variations of term insurance do allow for level premiums throughout the duration of the contract. You may be able to obtain 5-, 10-, 20-, or even 30-year level term, or level term payable to age 65. An advantage of renewable term life insurance is that it is usually available without proof of insurability.
Life insurance can be used to achieve a variety of objectives. The cost and availability of the type of life insurance that is appropriate for you depend on factors such as age, health, and the type and amount of insurance you need. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable. As with most financial decisions, there are expenses associated with the purchase of life insurance.Policies commonly have contract limitations, fees, and charges, which can include mortality and expense charges.
for more information about our Life Insurance program contact Scurich Insurance located in Watsonville California today!
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Born in Watsonville Tony has been in the insurance business since 1981 and with Scurich Insurance since 1983. Tony is married with 3 children, graduated from Watsonville High in 1977 and Santa Clara University in 1981. Current activities include running at Rio Del Mar Beach & West Cliff Drive, biking, cooking/BBQing, reading biographies and eating breakfast burritos at Pixie Deli. Past and present community activities include board member of St Francis High School, Pajaro Valley Historical Association, YMCA (board member and youth basketball coach), Boy Scouts of America and, Pajaro Valley Chamber of Commerce (board chair in 2004).
Contact any of the helpful and friendly agents at Scurich Insurance with any questions about yourCalifornia Commercial Insurance Policy. To learn more about Scurich Insurance, follow us about
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From http://www.grandparents.com
“Grandparents.com Editors’ Choice
When I was 19, I took my future husband’s 3-year-old son, Tony, shopping at JCPenney. But when we got to the escalators, Tony froze. He would not get on. I stepped on to show him how easy it was, and then encouraged him to follow me. I was halfway down before I realized he was not coming. I yelled to him to wait for me to come back to get him. But running around to the other escalator, I lost sight of him. When I came back, he was gone. I dropped the decorations it had taken two hours to find, and started yelling for him in a panic. Then, as I was telling a lady at the jewelry counter to call the police, along came Tony with a security guard. He is 27 now and still teases me about the time I lost him in the mall. — PJ Goetz, Tampa With Kids“
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From http://edieunderthenet.blogspot.com
“You should examine the possibility of a visitor insurance before embarking on a vacation. In case illnesses and accidents come up, you are assured of reduced costs with your visitor insurance. You can have a cash less settlement option with some visitor insurance, where you do not have to pay up front yourself but can have the doctor or hospital bill and the insurance does the payment.
It is not every insurance that is medically-related, a superb feature is the trip cancellation insurance. If you are unable to make your trip due to unforeseen circumstances, this type of visitor insurance will secure you. A great deal of flights are non-refundable if you cancel, and with trip cancellation insurance you are rest assured that in case of some event your flight fare does not go up in smoke.
All visitor insurances start from basic to comprehensive; what counts are component services and maximum coverage amounts. When traveling in the United States or Europe, hospital bills or doctor visits can get very expensive from illness, accident or injury. The age of the traveler should be taken into consideration as well, since the elderly are more likely to become ill, and children are more prone to accidents.
You can purchase visitor insurance from the country your visiting or your native country. There are many suppliers who would working intermediaries between you and the insurance firms, to offer the ideal coverage for great rates. Usually trip cancellation insurance is purchased separately from your medical visitor insurance but you can as well get packages to cover the two.
A number of visitor insurance policies permit you to visit any medical centre, while other have member networks. There is a initial amount of money to be paid by you before the visitor insurance pays the rest of the costs. It called a deductible. You have to read through properly and understand your package details.
Though age could make a difference in the price of your policy, there is no medical test required in order to be able to purchase visitor insurance. Some questions on the policies do require you to tell if you have some preexisting condition to your health they should be aware of. You can buy insurance for visiting relatives and have it take effect the day of their arrival.
There is no doubt that buying visitor insurance or trip cancellation insurance could be a very wise investment to keep you holiday happy and debt free. You should be very prepared when taking a journey, since accidents and illness do occur.”
Travelling this month? Are you properly covered? Call on us!
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FROM: Safety Compliance Institute, Ken Hillger & Associates
Surveys show substance abuse remains one of the most serious issues facing U.S. businesses, with more than 6 million active alcoholics employed and a price tag of $276 billion a year. More than 70 percent of all current illicit drug users aged 18 and older are employed.
With such a dangerous and widespread problem, it’s important to recognize substance abuse on the job before it leads to an accident.
Warning Signs
Here are some early warning signs that can alert your supervisors to the possibility of substance abuse on the job:
1. An otherwise inexplicable fall-off of work efficiency in terms of volume, accuracy, or promptness is often an early warning sign of substance abuse problems.
2. So is frequent tardiness—often explained with increasingly elaborate, but hard to check, excuses.
3. Excessive use of sick days is also a common warning sign of substance abuse. These absences often occur on a Friday or a Monday.
4. Some employees with drug or alcohol problems may come to you and ask to use vacation time—right away.
5. Another indication that you might be dealing with an employee substance abuse problem is an increased involvement in accidents and near misses and/or an increase in the employee’s error rate.
6. Yet another hint of the problem may be heavy use of breath sweeteners. Alcoholics, particularly those who drink during the working day, are heavy users of various sorts of breath mints to kill the smell of alcohol.
7. Other early warning signs of substance abuse problems may involve physical and mental characteristics or changes, such as mood swings, decline in grooming, staggering, dozing off on the job, etc.
Supervisors should be aware that one or two of these signs alone does not necessarily indicate an alcohol or drug problem, but a combination of several signs indicates it is time to speak with the employee about the possibility of a substance abuse problem.
For all your business matters, count on Scurich!
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