Michael Hines-Country Financial

11/06/2024

Let’s go!!!!!!!!!!!!!!!!!!!!!!!!

10/12/2024

October is Cybersecurity Awareness Month – is your small business covered if a data breach occurs? Data breach coverage is an option you can add to your business insurance to cover costs for things like:
• Communicating a data breach
• Investigating the cause and severity of the situation
• Liability and defense costs

Learn more about business insurance coverages at https://cfin.us/CyberInsurance

10/11/2024

Home fires can start and escalate quickly in everyday moments. So, here are some fire safety tips you can use to prevent fires.

1.Pay attention in the kitchen
• Turn the burner off before you walk away.
• Turn pot handles toward the back of stove.
• Keep stove clear of oven mitts, towels etc.
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2. Use a space heater with care
• Leave at least three feet of empty space around the heater.
• Plug the heater into a wall outlet (not an extension cord).
• Ensure heater is approved for indoor use.
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3. Maintain your furnace
• Ask a heating and cooling specialist to inspect it every year.
• Change furnace filters every three months.
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4. Check your chimney
• Pay for annual chimney sweeps.
• Dispose of (or vacuum) ashes only after they’ve cooled for at least 48 hours.
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5. Leave smoke detectors enabled
• If your smoke detector goes off while you’re cooking, don’t turn it off. You might forget to turn it back on.
• Test smoke and carbon monoxide detector batteries at least twice a year.
• Pay attention to your wiring very floor, including the basement.
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6. Pay attention to your wiring
• Don’t overload electrical outlets by reviewing wattage rating and following manufacturer instructions.
• If you blow a fuse, consider it a warning and decrease wattage by plugging that item into a different area.
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Don’t forget to make sure you’re protected with proper home insurance coverage. Give me a call today!

09/18/2024

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09/02/2024

The office will be closed on Monday, September 2nd. I hope you have an amazing Labor Day!

08/30/2024

If wedding bells are in your future, let’s talk about uniting your insurance policies, too.

Finances in marriage are challenging. Have regular conversations about budgeting, saving and paying off debt to manage money as a married couple.

08/28/2024

There are a lot of myths about life insurance floating around out there. According to the Life Insurance Statistics, Data and Industry Trends 2024 report published by Forbes, 52% of Americans say they don’t have life insurance because they believe it’s too expensive. In fact, 82% of people surveyed overestimate the cost of a life insurance policy, with a majority of people incorrectly estimating the cost of life insurance to be 3x as high as it actually is.

Why is this? The truth is, there may not be a very good reason for this belief. According to the 2024 Insurance Barometer Study Report, 54% of people surveyed said their life insurance cost estimate was based on “gut instinct” or a “wild guess.”

The right life insurance for your needs might be more affordable than you think. Contact me today to see how we can affordably enhance your life insurance coverage or get you set up with a policy from Forbes’ #1 ranked life insurance in the U.S.

Life insurance policies issued by COUNTRY Life Insurance Company®️ and COUNTRY Investors Life Assurance Company®️, Bloomington, IL.

08/27/2024

The most common purpose of life insurance is to provide money for your family if something happens to you. Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family.

“But how much life insurance do I actually need?” I'm so glad you asked! If you need help determining how much is enough life insurance, check out our Life Insurance Calculator. This interactive tool will help you determine in minutes how much life insurance is right for you.

You may have heard it said that life insurance will never be as affordable as it is today. It’s true! With our Life Insurance Calculator, you will answer questions about your income, mortgage and debt to get an estimate of how much life insurance you’ll need.

Most people get life insurance to help:
• Pay off debt, like your mortgage
• Replace lost income to take care of loved ones
• Cover burial and final expenses

If you have additional life insurance questions after you use the Life Insurance Calculator, give me a call. I’ll take the time to get to know you and your individual needs, so I can find the best options for you.

Get started today with a life insurance estimate by using our Life Insurance Calculator!

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08/22/2024

Life insurance provides more protection than you might think. If something happened and you were no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

08/15/2024

08/07/2024

Life changes fast. Has your life insurance kept up with you? Along with providing necessary protection, it’s a valuable planning instrument that can help secure your future. Use this easy tool to see how much insurance you need to protect your family and loved ones

07/04/2024