My Member Insurance Agency

10/16/2026

It's hunting season in Michigan, and deer are on the move!

Whether you're heading to deer camp, driving to work, or just running errands, this is the time of year to be extra alert on the roads.

According to the Michigan State Police, there were more than 58,000 vehicle-deer crashes in Michigan in 2025. That's a lot of unexpected encounters!

Here's something worth knowing: Damage from hitting a deer is generally covered under comprehensive coverage, subject to your policy's terms and deductible.
Comprehensive coverage is optional and may not be included on your auto policy.

With deer activity picking up, especially around dawn and dusk, now is a good time to make sure you understand what's covered before something happens.

Not sure if your policy includes comprehensive coverage? Give us a call. We're happy to take a look and help you understand your options.

989-781-2662
www.mymemberinsurance.com
Protect What Matters Most.

10/14/2026

Medicare Annual Enrollment starts tomorrow!

October 15 – December 7 is your opportunity to review your Medicare coverage for 2027.

Plans, benefits, and costs can change each year. Let My Member Insurance Agency help you explore your options with a no-cost plan review.

989-781-2662
www.mymemberinsurance.com
Protect What Matters Most.
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Medicare beneficiaries: We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

This organization is a private, independent entity and is not affiliated, associated, authorized, endorsed by, or in any way officially connected with any government agency, department, or office. Any references to government entities are for informational purposes only.

10/02/2026

Great reminders from our friends at Frankenmuth Credit Union!

October is Cybersecurity Awareness Month, and FCU is committed to helping keep you safe from online fraudsters and scammers. Throughout the month, we will be bringing you info to help you stay safe while you are online!

Week #1: Spot the Scam!

Scammers are getting sneakier… but you don’t have to make it easy for them. 👀

That “urgent” text, weird email, random QR code, or too-good-to-be-true link? Give it a second look before you click.

This week’s reminder: STOP. CHECK. PROTECT.

A few extra seconds can save you a whole lot of trouble. 🔐

10/01/2026

Sharing an apartment doesn’t always mean sharing insurance coverage.

One roommate’s renters policy may not protect another roommate’s belongings—or provide liability protection if that roommate is responsible for an accident or damage.

Each roommate should review the lease and talk with an insurance professional about whether they need their own renters policy. It’s a simple conversation that can prevent an expensive misunderstanding later.

My Member Insurance Agency can help make sure everyone understands what is—and isn’t—covered.

📞 (989) 781-2662
🌐 www.mymemberinsurance.com

09/30/2026

Your student’s address may have changed—but what about their insurance?

A student living in a college dorm may have some coverage through a parent’s homeowners policy. Move that same student into an off-campus apartment, and the coverage needs can look very different.

The lease, whose name is on it, the student’s status under the parents’ policy and the value of their belongings can all affect what protection is needed. Renters insurance may help cover personal property and provide liability protection—but it’s important not to assume every living arrangement is handled automatically.

Let My Member Insurance Agency review the situation and help make sure the coverage follows your student to their new home.

📞 (989) 781-2662
🌐 www.mymemberinsurance.com

09/29/2026

College can come with a lot of stuff—and it can add up faster than you might think.

Laptops, phones, electronics, clothing, furniture and other belongings may have some protection under a parent’s homeowners policy, but coverage can depend on where the student lives and the details of the policy.

A dorm room and an off-campus apartment may be handled differently. Coverage limits, deductibles and protection for accidental damage can also vary.

Take photos, save receipts and record serial numbers for valuable items. Then contact My Member Insurance Agency to make sure everyone understands how those belongings are protected—and whether renters insurance may be needed.

📞 (989) 781-2662
🌐 www.mymemberinsurance.com

09/15/2026

Some days are about a lot more than what happens on the field.

Midland High’s Victory Day is one of those days.

Victory Day gives students the chance to take the field, be part of the action and experience the excitement of football, cheerleading and school spirit — surrounded by classmates, families, coaches, volunteers and a community cheering them on.

What makes the day so special is what it represents: inclusion, encouragement and making sure every student gets their moment to shine.

My Member Insurance Agency is proud to be a sponsor of Victory Day and to support an event that brings our Midland community together in such a meaningful way.

Congratulations to all of this year’s participants, and thank you to everyone who helped make the day possible.

09/11/2026

September 11 holds a profound place in our nation’s memory. For thousands of families, it is a loss they have carried every day for 25 years.

Today, we honor the nearly 3,000 lives taken too soon. We honor the first responders who answered the call without hesitation, the survivors who carry the memories of that day and the service members who sacrificed in the years that followed.

We remember the loved ones who never came home, the families forever changed and the courage shown in the face of unimaginable tragedy.

Twenty-five years have passed, but our responsibility to remember has not.

We honor them today. We remember them always.

09/10/2026

The driver’s test is exciting. The insurance change? Sometimes not so much.

Adding a newly licensed teen can have a significant effect on your auto insurance—but simply accepting the new premium isn’t your only option.

The vehicle they drive, your coverage limits, deductibles, available discounts and insurance carrier can all make a difference. This is a great time to review the entire household and make sure your coverage still fits.

Before you hand over the keys, talk with My Member Insurance Agency. We’ll help you understand the changes and compare the options available to you.

📞 (989) 781-2662
🌐 www.mymemberinsurance.com

09/08/2026

Let’s be honest: life insurance is pretty easy to put off.

Maybe it sounds too expensive. Maybe you have some coverage through work. Or maybe you figure it’s something you can worry about later.

But are those facts—or myths holding you back?

Here are five common misconceptions worth reconsidering:

❌ “Life insurance costs too much.”
It may be more affordable than you think. In fact, LIMRA found that 72% of Americans overestimate the cost of basic term life insurance.

❌ “I’m young and single, so I don’t need it.”
Life insurance isn’t only for married couples or parents. It can help with final expenses and certain financial obligations—and coverage may be easier and more affordable to obtain while you’re younger and healthy.

❌ “Only the breadwinner needs coverage.”
A paycheck isn’t the only thing with financial value. Think about what it would cost to replace the childcare, transportation, meals and household responsibilities handled by a stay-at-home parent or caregiver.

❌ “The coverage I have through work is enough.”
Employer-provided life insurance can be a helpful starting point, but it may not be enough for your family—and you might not be able to keep it if you change jobs.

❌ “I can always get life insurance later.”
Maybe—but waiting can change your options. As you get older or your health changes, coverage may become more expensive or harder to obtain.

If one of these myths has been holding you back, let’s have a conversation. No pressure and no complicated insurance language—just help understanding your options.

📞 (989) 781-2662
🌐 www.mymemberinsurance.com

Protect What Matters Most.