Playing outside isn’t just for kids. It has tons of benefits for adults. One of the unexpected ones may be that it can lead to lower life insurance rates. It’s not always easy to make yourself go outside and exercise, but knowing that the effort can keep you healthy and save you money can be enough for you get off the couch. The more fun you have exercising, the better the results will be.
Benefits of Exercise
Exercise burns calories and improves your health. Since life insurance rates are based on your health risk factors, regular physical activity can help lower your life insurance rates. These are some of the benefits of exercise.
* Lower risk for heart disease and stroke.
* Lower blood pressure.
* Lower blood sugar levels and risk for diabetes.
* Stronger bones.
* Better mood.
* Clearer mind.
Make a Commitment to Exercise
Set aside some time to exercise most days of the week. Aim for 30 to 60 minutes, but even 10 minutes is better than nothing. The trick is to find some activities that you love, and any activity that is fun and gets you moving is a good choice. These are some options.
* Walk, jog, bike, swim laps, or hike.
* Join a local sports league. On the days your league doesn’t meet, train for your sport by doing drills, lifting weights, and getting in some cardio.
* Take Zumba, boot camp or kickboxing in the park.
* Go surfing.
Take Advantage of Your Kids!
If you have children, they’re probably a significant reason why you have life insurance in the first place. Why not use them to help you get in shape? They’ll keep you laughing while you exercise.
* Play Tag, Follow the Leader, or Hide-and-Seek with younger children.
* Play catch, shoot hoops, or kick a soccer ball with older children.
* Walk around the field at your children’s sports practices, and run to chase any stray balls.
Everyone can find an activity that they love as long as they keep searching for it. Keeping yourself in shape will give you more energy and can keep your life insurance rates down.
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One of the best things about living in California is the gorgeous climate. It makes getting out and enjoying the outdoors an everyday occurrence. Considering how much water is available to residents in the state, combining your outdoor adventures with a boat, jet ski or wave runner brings a whole new level of fun to your life. Before you make arrangements to put your watercraft to good use, though, you need to make sure that you are covered in the event of an accident.
California Watercraft Laws
Each person who is on board a watercraft must be wearing a life jacket that has been approved by the Coast Guard. The approved types are Types I, II, III and V. Operating a personal watercraft such as a jet ski is prohibited between sunset and sunrise even if the craft is outfitted with the correct navigational lights. Only individuals that are aged 16 and older can operate a boat that is more than 15 horsepower unsupervised. Children between the ages of 12 and 15 can do so under the direct supervision of a person who is over the age of 18. There are also specific stipulations against negligent and unsafe behavior while operating a watercraft.
Insuring Your Watercraft
It is safe to assume that you need specialized insurance for your watercraft before you take it out to play. Rather than simply purchasing a cookie cutter insurance plan, however, work closely with your insurance agent to craft a customized insurance package that meets your unique needs. In most cases, this insurance plan will include liability in case you accidentally damage someone else’s property or cause injury to another person. Collusion and comprehensive insurance is also a standard addition and protects your own boat and other watercraft in the event that it is damaged.
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Taking your fun off road ratchets up the fun quotient considerably. There is nothing quite like the thrill of hitting the rugged trails and backwoods roads in your ATV or dirt bike. Keep the fun flowing all year round by making sure that you have the right insurance before you head out on your favorite recreational vehicle.
Don’t Make Insurance Assumptions
The last thing you want to do is assume that your current insurance will cover any mishaps that might occur involving your ATV or dirt bike. The reality is that this is not likely to be the case. In nearly all instances, your homeowners’ insurance and auto insurance will not cover any damages incurred by or to your off road recreational vehicles. For example, if you wreck your ATV on your own property, it is not likely that your homeowners insurance will pay for it.
Taking Your Recreational Vehicles out in Public
California is blessed with a gorgeous climate and many different types of terrain. Taking your dirt bike or ATV to one of the many recreational areas that exists within the state adds variety to your hobby time while also giving you much needed space to test your speed and agility. Before you make plans to do so, though, you need to make sure that you have the necessary insurance as required by California.
Specialized Insurance for Specialized Equipment
Speaking with your insurance company about your ATVs and dirt bikes can help them craft a unique insurance plan for you. This plan will provide you with the liability, collusion and comprehensive insurance that covers any issue that might arise while you are enjoying your hobby.
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One of the scariest moments of a parent’s life is when they hand a teen the car keys and watch one of their most precious possessions, their own flesh and blood, roll out of the driveway. Most parents wonder at this moment whether their kids are really ready for the massive responsibility of driving a car. Will their teen follow the rules of the road? Will she take unnecessary chances in the vehicle? Do their kids really understand how quickly a car can spin out of control or how it takes just a moment’s inattention to cause a serious accident?
Many parents find that driving adds a whole new set of issues to argue about with their teens. Some parents find that creating a safe driving contract helps everyone in the family get on the same page with regards to driving. This contract outlines what parents expect of teens when they are on the road. Use the following ideas to craft a safe driving contract for your own kids.
Passengers
Do you want to allow your teen driver to transport friends across town? If so, you should specify how many passengers are permitted in the car. Remember that having other teens in the car can cause the driver to become distracted and possibly cause an accident.
Late Nights
With the busy schedules that most teens keep, you may want to discuss what time you need your teen to be home. Emphasize that this is a safety issue, rather than a control issue, since sleepy driving can cause accidents.
No Drinking and Driving
Many teens know this already, but don’t be afraid to write it down to emphasize how very foolish the choice to drink and drive is. Tell them that they can always call you to get a ride home, even if they are ashamed of where they are and who they are with.
Tickets and Accidents
Spell out the consequences of moving violations and accidents. You may want your teen to pay for his own tickets and pay for repairs to the car if the accident is his fault.
No Texting and Driving
Tell your teen that the cell phone should be on silent and out of his reach while driving. Even reading an incoming text can be dangerous while driving.
After you have written down your thoughts about safe driving, discuss the points of the contract with your teen. Be sure to keep the conversation positive and affirming, and remind your teen that driving is a privilege. If he wants to keep this privilege, he has to play by your rules, even if he thinks they are overprotective and silly.
If you need advice about your teen’s auto insurance, contact Scurich Insurance Services today!
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11 years ago
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by
Shawna Kreis ·
Comments Off on Employee Advocacy: How to target and recruit the right employees
Employees are more than just a warm body in your office. Being able to target and recruit the right ones not only makes your life run more smoothly, they actively bring your company closer to the goals you have set for it. There are three top priorities you need to keep in mind when you need to find an employee to fit your next job vacancy.
1. Position Criteria
The first step to finding the right employee is to know exactly what skills and knowledge you want them to bring to your organization. You also need to determine if this criteria can be obtained with experience, schooling or both. Consider the culture of your company and those attributes that successful employees must have to fit in there.
2. Recruitment Methods
These days, in order to obtain a diverse pool of applicants, you will likely need to advertise utilizing a variety of methods. While newspaper ads have fallen out of favor somewhat due to the rise in popularity of the internet, consider posting your job opening in a variety of different media outlets to capture the attention of as many qualified job seekers as possible.
3. Make Your Job Posting Count
Your job posting is the critical bridge that helps you connect with the right applicants. Partly an advertisement for your business and partly a laundry list of attributes you want the perfect job applicant to possess, your job posting needs to include key information. This includes items such as the opportunities that are available for applicants, what you expect from the person who fills the job opening and a synopsis of your company’s goals.
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As parents, sometimes we never want our kids to grow up. It is no secret that adding a teen driver to your California auto insurance is a costly choice. In some cases, you might see your insurance premium double almost overnight when you add your teen. There is good reason for this jump in price as the Centers for Disease Controls (CDC) notes that car crashes are the top cause of death for people ages 15 to 19. There are ways you can save money though.
Take a Safe Driving Course
With accident rates disproportionately higher for teen drivers than for other segment of the population, more education can help tip the balance. Taking a safe driving course can give your teen valuable skills while teaching them to be a more defensive driver. Many insurance companies provide discounts for the successful completion of such a course.
Purchase an Older Car
While every teen wants a brand new sports car as their first set of wheels, the insurance on such a vehicle will be quite high — especially when combined with the hit your premium will take for having your teen on your insurance plan in the first place. Consider getting your freshly-minted teen driver an older set of wheels. While new cars tend to have safety features that many older cars lack, buying a used car that is a few years old can provide you with a good compromise.
Be a Good Student
Many insurance companies want to reward teens that are also good students. While the criteria can vary depending on the insurance company, if your student is on the honor roll or dean’s list, is in the top 20 percent of standardized tests or maintains a B average or above, they could be eligible for a significant discount on their insurance.
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