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Goodwill Financial - Independent Insurance Agency

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Goodwill Financial - Independent Insurance Agency

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𝙒𝙚 𝙝𝙚𝙡𝙥 𝙛𝙖𝙢𝙞𝙡𝙞𝙚𝙨 𝙖𝙣𝙙 𝙞𝙣𝙙𝙞𝙫𝙞𝙙𝙪𝙖𝙡𝙨 𝙩𝙤 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙬𝙝𝙖𝙩 𝙞𝙨 𝙢𝙤𝙨𝙩 𝙞𝙢𝙥𝙤𝙧𝙩𝙖𝙣𝙩 𝙩𝙤 𝙩𝙝𝙚𝙢: 𝙩𝙝𝙚𝙞𝙧 𝙡𝙤𝙫𝙚𝙙 𝙤𝙣𝙚𝙨 𝙖𝙣𝙙 𝙩𝙝𝙚𝙞𝙧 𝙗𝙚𝙡𝙤𝙣𝙜𝙞𝙣𝙜𝙨.

Goodwill Financial – Independent Insurance Agency in Elmhurst, Illinois. Serving not only Chicago and Illinois, but also Michigan, Indiana & Wisconsin. We help families and individuals to protect what is most important to them: their loved ones and their belongings. Our goal is to protect your cars, home and other possessions you own today, in addition, we bring awareness about the importance of life and health insurance solutions that protect your financial future. We help businesses to manage their risk and purchase their insurance. We have years of experience in Transportation, Contractor and Garage Owners insurance.

10/15/2026

The first hard freeze is on its way. One question worth answering before it happens: if a pipe bursts, does home insurance pay?

Usually yes, if the pipe burst suddenly and the house was heated. What often is not covered: a slow leak over weeks or months, and a freeze in a home left without heat.

Before the first deep freeze in Elmhurst:
- Disconnect, drain and store garden hoses
- Keep the heat at 55°F or higher, even when you are away
- Open sink cabinet doors on outside walls on the coldest nights
- Find your main water shut-off now

The full guide is on our website: what is covered and what is not, how to thaw a pipe safely, and who to call in Elmhurst if the water stops.

Do you know where your main shut-off valve is?

630-785-2412

10/14/2026

Most people buy mortgage protection for one reason: if something happens to them, the house stays with the family.

The question fewer people ask is what happens if they get seriously ill and do not die. That usually means months without a paycheck, while the mortgage keeps coming.

Some life policies used for mortgage protection include living benefits riders. After a qualifying critical, chronic or terminal illness, they can let an eligible policyholder access part of the death benefit early. It is not every policy, and it is not automatic - what qualifies is written in the contract.

Worth knowing too: using an accelerated benefit reduces the death benefit and cash value. It is often not taxable, but limits apply - check with a tax professional.

630-785-2412

10/09/2026

The first freeze is on its way. Four things to do this week: drain the hoses, find the main shut-off, keep the heat at 55 or warmer if you travel, and check whether you have sewer backup coverage - a standard homeowners policy generally does not include it.

630-785-2412

10/08/2026

An expensive assumption, and we hear it most from businesses that are doing well enough to be worth targeting:

"We have a Business Owners Policy, so we are covered."

A BOP bundles property, general liability and business interruption. It does not include cyber. Cyber is a separate policy, and the claim that actually empties a small business account is not the dramatic one - it is a member of staff wiring money to an account they believed was a supplier.

And the detail most owners miss: even a cyber policy often covers that kind of loss only through a social engineering endorsement, usually with its own lower limit.

Ask your agent one question this month: if fifty thousand dollars left our account tomorrow because somebody was tricked into sending it, which policy responds?

If the answer takes more than a sentence, that is the answer.

Business owners: do you know whether your policy has a social engineering endorsement?

630-785-2412

10/07/2026

October is Breast Cancer Awareness Month.

About 1 in 8 women in the US will develop breast cancer in her lifetime, according to the American Cancer Society. Death rates have been falling steadily since 1989, which the Society links most likely to earlier detection through screening, increased awareness and better treatment. Many people put off the screening conversation with their doctor; October is a good month to have it.

There is a second conversation worth having this month, too: if a serious illness kept a parent from working for several months, how would the family's finances hold up? Health insurance pays its share of the cost of care. It does not replace a paycheck or pay the mortgage.

Our new article covers what a serious illness can cost a family, what health insurance does and does not pay for, and how some life insurance policies with Living Benefits riders may help. It includes a 7-question checklist for reviewing the coverage you already have. The link is in the first comment.

Living Benefits are optional accelerated benefit riders on life insurance (terminal, chronic or critical illness; on some policies, critical injury or Alzheimer's). They pay only after a qualifying event as defined in the policy, and not every diagnosis qualifies. Using them reduces the death benefit and any cash value, may be taxable, and may affect eligibility for public assistance. What is available varies by state, carrier and policy, and coverage is subject to underwriting. Not health, cancer or long-term care insurance. Life insurance is offered through Goodwill Financial Group, Inc. (DBA Living Benefits Team).

10/06/2026

The first freeze in this area can arrive any week now, and it brings one claim type with it.

A burst pipe is not a plumbing problem. It is a water damage claim, and the damage is almost never the pipe - it is the ceiling below it, the floor, and whatever was stored in the basement.

Four things before the first freeze:
- Disconnect and drain the garden hoses. A hose left connected is one of the most common reasons an outdoor spigot freezes
- Find your main shut-off valve and make sure it actually turns
- Keep the heat on at least 55 degrees if you travel, and open the cabinet doors under sinks on outside walls
- Check whether you have sewer backup coverage, because a standard policy generally does not include it

The last one is the one people learn about in February.

Quick check: could you find your main water shut-off right now?

630-785-2412

10/05/2026

This is Fire Prevention Week, October 4 to 10, and this year the national focus is something almost every home now has plenty of: lithium-ion batteries.

Phones, laptops, e-bikes, scooters, power tools, the cordless vacuum. Most of them charge somewhere in the house, often overnight, often on a bed or a couch.

The National Fire Protection Association's advice is short:
- Buy devices listed by a recognized testing lab - look for UL, ETL or CSA
- Charge with the cord that came with the device
- Do not charge a damaged battery, or with a damaged charger
- Stop using anything that gets too hot, smells strange, makes popping noises, swells or changes color

And one from our side of the desk: after a fire, a claim is only as good as the personal property limit on your policy. If you have added a laptop, an e-bike and a new TV since you last looked, that number may be out of date.

How many things are charging in your home right now?

630-785-2412

10/03/2026

Someone has been sending emails pretending to be our president.

Not a hack. Nothing of ours was broken into. They put his name in the display field of an ordinary email account and wrote to people who work with us, usually asking about an invoice or a payment.

It works because almost nobody reads the actual address. The phone shows a name, and the name is right.

Two habits that stop it, and they cost nothing: read the address itself before you act on any email about money, and confirm any change of payment details by calling a number you already had - never the number in the email.

October is Cybersecurity Awareness Month. This is the one we would tell a business owner about first, because it is the one happening right now.

Has one of these landed in your inbox? What gave it away?

10/01/2026

October is a good month to find out what you actually bought.

A renewal notice is the one piece of mail that tells you the truth about a policy. Not the brochure. The price, and what changed while you were not looking.

Three things worth reading on yours: whether the dwelling limit still matches what it would cost to rebuild today, whether a wind and hail deductible got added, and whether anything quietly dropped off.

Send it over if you would rather not read it alone. We do this all day.

Honest question: did you read your last renewal, or just pay it?

630-785-2412

Address

579 W North Avenue #300
Elmhurst, IL
60126

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

https://www.goodwillfinancial.com/

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