Valued CJ Insurance Partner of the Month Volume 1, Issue 2 Sep/Oct 2, The Insider 9615 Levin Road, Suite 100, Silverdale, WA 98383 Phone: (360) 692-1370. Fax: (360) 307-7208. www.cjinsure.com cjinsure.com Desktop Virtualization at a fraction of the cost of traditional server based networks. No server, No obsolete equipment. , For more information, call (360) 473 , 473-1163 or visit us at www.focus-sys.com CJ Insurance Associates Is committed to providing insurance products that combine quality protection with value pricing. We wish to establish a successful partnership with our clients, our staff members and our insurance companies, that respect the interest and goals of each part party. Still On the Fence Regarding Guaranteed Term Life insurance? How will you provide for you family if you were gone? Can my remaining family members pay the bills in my absence? These are just some of the questions you should be asking yourself as you routinely put off getting life insurance for to protect your home, your possessions and your family’s well-being. Getting term life insurance is even more affordable than you think. See below for the rates on a $1 million policy. n FUN & GAMES Football Season is here. Try and find all of the Football related words. To make things a little more exciting, CJ Insurance will be awarding a $25 gas card to the first person to bring theirs in with all the words circled. Happy Hunting! Male Elite Plus Non-Smoker Monthly Rates (Designed for Smoker those at their healthiest) 10Yr Age 30 Age 40 Age 50 $27.81 $33.21 $91.71 15Yr $34.11 $51.21 $134.01 20Yr $46.71 $68.31 $176.31 30Yr $67.41 $103.41 $268.11 As some of you may be aware, we have recentl begun ntly publishing the Insider newsletter. It contains valuable ider insurance hints and tips, general seasonal advice and even puzzles and games where our readers can even win prizes, such as a $25 gas card just for being the first ing one to respond back with the right answer. As the year goes along, we look forward to being your insurance nsurance partner and not just a typical insurance agency. If there are any topics you would like to see cov overed in future editions of the Insider Newsletter, don’t hesitate to th contact your friendly neighborhood CJ Agent. Female Elite Plus Non-Smoker Monthly Rates (Designed Smoker for those at their healthiest) 10Yr Age 30 Age 40 Age 50 $23.31 $28.71 $71.91 15Yr $30.51 $41.31 $98.01 20Yr $37.71 $53.01 $123.21 30Yr $53.91 $78.21 $181.71 Getting to Know CJ Insurance Insurance…. Cindy Gilmore and Janiece Chipman, both with a collective 30+years in Industry experience servicing the Kitsap commu community with their Insurance needs, have recently joined together to form CJ Insurance Associates. Like Free Gas? Located at 9615 Levin Road, Suite #100 in Silver Silverdale, Washington, CJ Insurance specializes in both personal and commercial policies. They handle everything from Auto, Home and Term Life Insurance to the lesser utilized, though just as valuable, offerings such as Wedding Insurance, Motorcycle and even Pe Insurance. Pet Be the first one to respond to the puzzle on the back of this newsletter and bring it in to our office for a $25 gas card. You can’t beat that kind of deal! Flood Safety Tips What can you do other than insure your property to get ready for a flood? Follow these steps to help minimize loss to your home, and ensure your family’s safety. Prepare your House: • Make sure your sump pump is working. • Clear debris from gutters and downspouts. • Anchor any fuel tanks. An unanchored tank in your basement can be torn free by floodwaters and the broken supply line can contaminate your basement. • Have a licensed electrician raise your electric components (switches, sockets, circuit breakers) at least 12” above your home’s projected flood elevation. • Place the furnace and water heater on masonry or pressure treated lumber at least 12” above the projected flood elevation. Safeguard your Possessions: • Make sure any photos or videos of all of your important possessions are in a safe place. These documents will help you file a full flood insurance claim. • Store important documents and irreplaceable personal objects where they won’t be damaged. If major flooding is expected in your area, consider putting them in a storage facility. • If major flooding is expected, move furniture and valuables to the upper levels of your home. Develop a Family Emergency Plan: • Port emergency telephone numbers by the phone. Teach children to dial 911. • Plan and practice a flood evacuation route with your family. • Ask an out-of-state relative or friend to be the “family contact” in case your family is separated during a flood. Make sure everyone in your family knows the name, address and telephone number of this contact. • Don’t forget to have a plan for your pets too. Remember to talk to your insurance agent if you have any questions or would like additional information about flood safety. For more information and emergency preparedness ideas, go to www.ready.gov. Excerpts taken from FloodSmart.gov Tire Safety As the only parts of the car that physically touch the ground, they are one of the key factors affecting a vehicle’s handling, braking and overall highway safety. What steps can you take to ensure that your tires stay in optimal condition? Some trouble signs to look for: Visually inspect your tires on a regular basis. If you note any of the following early warning signs, have a professional inspection performed in order to check/correct items that may be causing the condition. Cracking or cuts in the sidewall. Uneven tread wear. This can be caused by improper inflation, misaligned wheels, damaged tires, or by problems with suspension parts. • Excessively worn tread. Most modern tires have tread-wear indicator bars running across the tread, which signal the minimum tread depth of -inch. 1/16 When the tread wears down to these bars, its time for new tires. • Inexpensive tread-wear gauges are available at auto-parts and tire stores. • Alternatively, you can use a Lincoln-head penny as a tread-wear indicator. Insert the penny into the tire groove with Lincoln’s head towards the tire. If you can see the top of Abe’s head, the tread is too worn. • Bulges or blisters. If you see a bulge or blister on the sidewall, replace the tire at once. These signal potential weak spots that could lead to tire failure. • Excessive vibration. Tire vibration may be a sign a wheel is misaligned, unbalanced or bent. It could also signal internal tire damage. Don’t ignore vibration. Have the vehicle serviced at once. Surveys also show that as many as half of the cars on the road may be riding on one or more underinflated tires. • • Taken from ConsumerReports.org WEDDING PROTECTOR PLAN NOW AVAILABLE “Peace of mind for your special day” You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong – things that are beyond your control. What if your reception venue goes out of business a month before the wedding, and you lose your deposit and have to find a new location? Or a hurricane causes your wedding to be postponed? What if your bridal shop closes, leaving you without a gown? A wedding is an investment, and as the average cost of weddings rises, now up to $27,000, wedding insurance is needed more than ever. After all, you wouldn’t buy a new car that costs that much without insuring it against damage. For as little as $160, your wedding insurance policy can cover a variety of situations, including, but not limited to: No dress: You can get repair or replacement cost if the bride wedding gown or the groom’s tuxedo is lost or damaged. Lost deposits: We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up. Lost rings: You can receive repair or replacement cost if the bride or groom’s wedding bands are lost or damaged. Severe Weather: If severe weather (such as a hurricane) forces you to postpone your wedding, we can provide reimbursement for non-recoverable expenses. Transportation Shutdown: If you have to postpone the wedding because a commercial transportation shutdown prevents the bride, groom or their parents from getting there, you can receive reimbursement for nonrecoverable expenses. Contact your CJ Agent for more information. Pet Insurance-Affordable Protection for Your Four-Legged Friend! In today’s age, health care costs for your pet dog or cat can be very costly. As your pet ages, those costs tend to increase. Look out for your pet’s well-being while protecting your pocketbook from the high cost of an unforeseen injury or sickness. Your pet is a member of your family, and just as you would insure your child, doesn’t it make sense to insure your pet if that possibility existed? Well, now it does. Just a few reasons Pet Insurance makes perfect sense. No worries of monetary trade-offs to be made – Never again will you need to “hold off” on protecting your pet at the expense of high costs. Pet’s, like people, get old – Just as us human beings age, so do our pets. Things like arthritis, high blood pressure and even cancer can happen, illnesses that can put a serious dent in your pocketbook without coverage. Things break – Pets can experience simple or compound fractures costing upwards of $3,000 to pay for it. Veterinary care costs are rising – As with standard health care of the human variety, veterinary costs are also rising at an alarming trend. Because you love your pet – As we said your pet is part of your family. Treat them as such. By purchasing pet insurance, you will rest easy that in your pet’s time of need, you can give your pet the best care available. Call CJ Insurance at (360) 692-1370 to get more information on our pet coverage policies.