Our Featured Carrier
This months featured carrier is Travelers Insurance . If you would like to receive a free Insurance quote please contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666 .
This months featured carrier is Travelers Insurance . If you would like to receive a free Insurance quote please contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666 .
We at Scurich Insurance Services would like to wish you a Happy Thanksgiving. Just as a reminder we will be closed Tomorrow 11/22/12.
For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666.
Taken From: Insurance Journal
“Serafino Alfe was deep-frying turkeys for an annual fundraiser dinner recently and ended up at the Loyola Burn unit with third-degree burns – the worst – on his leg.
“I tripped and fell right into the deep fryer,” said the Mount Prospect (Illinois) resident. “Thirty quarts of hot oil poured over my leg and I basically fried myself.
In the United States, more than 141 serious fires and hot-oil burns have been reported from the use of turkey fryers over the last decade, according to the U.S. Consumer Product Safety Commission.
Alfe said he has used a deep fryer for many years and is always careful. “We put the deep fryers on cardboard and I caught my shoe on the edge and just lost my balance,” said Alfe, who will undergo surgery on his injured leg on the day before Thanksgiving. “We were using the older fryers that do not have a secure lid and the gallons of hot oil just splattered out everywhere.”
Taking care to not become a victim of a fire and serious burns applies equally inside the home on Thanksgiving Day, the leading day for cooking fires, with three times as many as on an average day, according to the National Fire Protection Association.
“Cooking remain a major mechanism of injuries for adults, and for children who are underfoot,” said Richard L. Gamelli, MD, director, Burn & Shock Trauma Institute, and Provost of Health Sciences, Stritch School of Medicine, Loyola University Hospital.
Loyola’s Burn Center is one of the busiest in the Midwest, treating nearly 600 patients annually in the hospital and another 3,500 patients each year in its clinic. More than 40 percent of the burn cases are children.
“If a turkey fryer is used the way it’s supposed to be used by people who are not impaired by alcohol or drugs, I think they’re fine,” said Dr. Thomas Esposito, chief of the Division of Trauma, Surgical Critical Care and Burns in the Department of Surgery, Loyola University Chicago Stritch School of Medicine. “Injuries from turkey fryers are rare, but when they happen to you or a family member, that doesn’t matter – they are very devastating.”
He said $15 million in annual U.S. property damage is caused by deep fryer fires.
“It doesn’t matter if it is a turkey fryer or a conventional oven, you should always take great care when using appliances, vehicles and any other device that has the potential to cause great harm to yourself and others if used in a careless, irresponsible manner,” Esposito said.”
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For information about Commercial Insurance or Personal Insurance simply contact Scurich Insurance Services located in Watsonville, California today at 800-320-3666 .
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| sharon j. watsonville, CA | ||
| 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 | ||
| 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 |
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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!
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).
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Scurich Insurance Services
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