Bose at Brandon Brletich State Farm

06/14/2026

First-time homebuyer closing soon? I know this moment can feel overwhelming-but I've been here with hundreds of Ohio families just like you.

Your lender will require certain coverage minimums. That's the baseline. But true protection? That's where the real decisions happen. Dwelling coverage that matches your home's replacement cost. Liability limits that actually reflect your situation. Riders for newer construction, updated systems, or high-value items.

I don't use insurance jargon or rush you through choices. I walk you through exactly what you need, why you need it, and how it protects what matters most during your biggest purchase.

You're not just getting a policy-you're getting someone who's done this hundreds of times and knows the closing process inside and out, and works with your mortgage lender.

Ready to talk?

06/13/2026

Real talk: I see a lot of folks pick a deductible based on what saves them the most on their monthly premium, and some who choose to do it themselves opt for really high ones, sometimes I see $10,000 deductibles on their policies. But here's what I've learned after years of doing this-the RIGHT deductible isn't about your insurance company's math. It's about YOUR money.

If you've got $1,000 sitting in your emergency fund, a $2,500 deductible might keep you up at night. If you've got $5,000+ set aside, you might feel totally comfortable with that higher deductible and lower premium.
The point is: your deductible choice should match the money you actually have available, not what looks good on paper.

Choosing the right deductible is a financial confidence decision. It's about knowing that if something happens, you can handle it without scrambling.

So here's my question for you: What's your deductible strategy right now? Or if you're not sure what makes sense for YOUR situation, I'd love to help you figure it out. That's what I'm here for-to make sure your coverage matches your real life, not just some generic template.

Hit me up with a comment, DM, or give me a call. Let's talk about what actually works for you. 📞

06/10/2026

𝐀𝐫𝐞 𝐲𝐨𝐮 𝐨𝐧𝐞 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐚𝐰𝐚𝐲 𝐟𝐫𝐨𝐦 𝐥𝐨𝐬𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐝𝐢𝐬𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬?👇

AI is reshaping jobs—and layoffs are accelerating. Younger workers are potentially replacing you in a few years. This, beside the Epstein files, has been in the news for months now. This is why you need to keep reading. 👇

You’ve dedicated years to your job.
You’ve built your life around the assumption that if something happened to you — a serious illness, an injury, anything that kept you out of work for months or years — that benefit package had your back.
𝘽𝙪𝙩 𝙝𝙚𝙧𝙚’𝙨 𝙬𝙝𝙖𝙩 𝙣𝙤𝙗𝙤𝙙𝙮 𝙩𝙚𝙡𝙡𝙨 𝙮𝙤𝙪 𝙖𝙩 𝙤𝙧𝙞𝙚𝙣𝙩𝙖𝙩𝙞𝙤𝙣:
Your employer OWNS that policy. Not you. They can reduce it. Restructure it. Quietly eliminate it at the next renewal.

And there’s nothing you can do about it — because it was never really yours to begin with. 𝗔𝗻𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗹𝗲𝗮𝘃𝗲 𝘁𝗵𝗮𝘁 𝗷𝗼𝗯 — 𝗼𝗿 𝗹𝗼𝘀𝗲 𝗶𝘁 — 𝘁𝗵𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝘄𝗮𝗹𝗸𝘀 𝗼𝘂𝘁 𝘁𝗵𝗲 𝗱𝗼𝗼𝗿 𝘄𝗶𝘁𝗵 𝗶𝘁.

Here’s what makes this even more urgent: Long-term disability insurance gets more expensive and harder to qualify for as you age. The younger and healthier you are when you lock in a private policy, the lower your premiums — for life. You essentially freeze your insurability at your best.

🇼​​🇦​​🇮​​🇹​​🇮​​🇳​​🇬​ ​🇮​​🇸​​🇳​’​🇹​ ​🇳​​🇪​​🇺​​🇹​​🇷​​🇦​​🇱​.

Every year you delay is a year of higher rates, potential health changes that affect your eligibility, and another year of your financial foundation resting on something your employer controls — not you.

𝙏𝙝𝙚 𝙜𝙤𝙖𝙡 𝙞𝙨𝙣’𝙩 𝙩𝙤 𝙙𝙞𝙨𝙩𝙧𝙪𝙨𝙩 𝙮𝙤𝙪𝙧 𝙟𝙤𝙗. The goal is to make sure your protection doesn’t depend on a decision made in a boardroom you’ll never sit in. 𝐎𝐰𝐧 𝐲𝐨𝐮𝐫 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞. Lock it in early. Because the best time to protect your income was yesterday — and the next best time is right now.

Call us to see what your options are, and we will be happy to walk you through it. 440-238-3388.

05/31/2026

Loyalty doesnt mean what it used to. It is not guaranteed.

You did everything right.

You showed up. Every day. For years. Sometimes decades.

You built your life around the assumption that the job had your back — that the long-term disability coverage, the life insurance, the benefits package weren’t just perks, they were part of the deal.

Then one day, quietly, in a memo or an open enrollment update, that deal changes.

And the buffer you never had to think about — because you trusted it was there — is gone.

This is the part nobody talks about.

Benefits aren’t guaranteed. Employers can restructure them, reduce them, or eliminate them entirely. The policy you counted on to protect your family if you couldn’t work tomorrow? It lives in a document your company can revise.

Loyalty to a company is real. But a company’s loyalty to you lives in a spreadsheet somewhere — and spreadsheets get revised.

What have you done to prepare that nobody can take away?

05/29/2026

𝐀 𝐥𝐨𝐭 𝐨𝐟 𝐩𝐞𝐨𝐩𝐥𝐞 𝐝𝐫𝐢𝐯𝐞 𝐚𝐫𝐨𝐮𝐧𝐝 𝐮𝐧𝐤𝐧𝐨𝐰𝐢𝐧𝐠𝐥𝐲 𝐞𝐱𝐩𝐨𝐬𝐞𝐝. 𝐃𝐨𝐧’𝐭 𝐛𝐞 𝐨𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞𝐦.

Most people think car insurance is only there to cover other people if you cause an accident. And yes, liability does that. But Comprehensive & Collision coverage? That’s the protection built specifically for your vehicle. Not your neighbor’s bumper. Not the other driver’s repair bill. 𝗬𝗼𝘂𝗿𝘀

🚗💥🚙 If something happens to your car — whether you caused it or the universe did — Comprehensive and Collision are what step in so you’re not left writing a check you weren’t expecting, for a bill you didn’t think you could end up with.

Know the difference. For a no-obligation quote, call us at 440-238-3388.

05/27/2026

One day it’s 75° and sunny. The next? You’re reaching for a blanket. ☀️🧥

Sound familiar?

Here’s something most homeowners don’t think about —never completely turn off your thermostat.

❌ Turning off your heat completely — even in May — can cause pipes to sweat, moisture to build up, and mold to quietly grow inside your walls. That’s a homeowner’s insurance nightmare.

✅ The sweet spot?

𝗞𝗲𝗲𝗽 𝗵𝗲𝗮𝘁 𝗻𝗼 𝗹𝗼𝘄𝗲𝗿 𝘁𝗵𝗮𝗻 𝟲𝟬°
𝗞𝗲𝗲𝗽 𝗔𝗖 𝗻𝗼 𝗵𝗶𝗴𝗵𝗲𝗿 𝘁𝗵𝗮𝗻 𝟳𝟴°

A consistent thermostat = lower bills + longer HVAC life + fewer surprise repair costs. 💰

Mold damage, burst pipes, and humidity damage are some of the most expensive and preventable home insurance claims.

Your home is your biggest investment. Protect it like one.

05/27/2026

💼 𝐂𝐚𝐧 𝐘𝐨𝐮 𝐀𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐆𝐨 𝐖𝐢𝐭𝐡𝐨𝐮𝐭 𝟏𝟎𝟎% 𝐨𝐟 𝐲𝐨𝐮𝐫 𝐏𝐚𝐲𝐜𝐡𝐞𝐜𝐤?

It doesn’t have to be a dramatic life event. It could be a routine outpatient surgery that didn’t go as planned. A weekend at the gym that ended with a herniated disc. The back pain you’ve been managing for months that just… isn’t getting better. Or the diagnosis that came out of nowhere on a Tuesday afternoon. My sciatica and crumbling back pain has me worried, and I know I am not alone.

Suddenly, you’re not going back to work next Monday. Or next month. Maybe longer

Your employer may offer long-term disability coverage — 𝙗𝙪𝙩 𝙞𝙨 𝙞𝙩 𝙚𝙣𝙤𝙪𝙜𝙝? Have you truly done the math?

Think about your monthly non-negotiables:
🏠 Mortgage/rent
🚗 Car payment
💡 Utilities
👧 Kids’ activities & fees
🏦 Emergency fund runway

𝗜𝗳 𝗮 𝗱𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗸𝗲𝗽𝘁 𝘆𝗼𝘂 𝗼𝘂𝘁 𝗼𝗳 𝘄𝗼𝗿𝗸 𝗳𝗼𝗿 𝗺𝗼𝗻𝘁𝗵𝘀 — 𝗼𝗿 𝗹𝗼𝗻𝗴𝗲𝗿 — 𝗵𝗼𝘄 𝗹𝗼𝗻𝗴 𝗰𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗿𝗲𝗮𝗹𝗶𝘀𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝘀𝘂𝗿𝘃𝗶𝘃𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆?

Here’s the hard truth: Employer benefit plans can change at any time. Companies like Deloitte and Zoom have 𝙖𝙡𝙧𝙚𝙖𝙙𝙮 𝙘𝙪𝙩 𝙥𝙤𝙥𝙪𝙡𝙖𝙧 𝙗𝙚𝙣𝙚𝙛𝙞𝙩𝙨 in 2026 , and Mercer surveys suggest roughly 40% of large employers are cutting at least one benefit category this year. 

Read more here:  https://www.entrepreneur.com/business-news/this-2-billion-company-cut-employee-benefits-to-pay-for-ai

Slowly but surely, a wind of change is coming. To make room for AI, companies aren’t just trimming their workforce — those who are lucky enough to stay are feeling it too. How? Quietly. The squeeze isn’t showing up in your paycheck… it’s happening in the benefits you count on but rarely think about. Your 401(k) match. Your bonuses. Your paid leave. Your wellness perks. The good stuff that has always had your back — slowly disappearing without a word. You won’t see it on your pay stub, you’ll feel it when life surprises you. That’s why having 𝗬𝗢𝗨𝗥 𝗢𝗪𝗡 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 is so important. Don’t wait until you need it to wish you had it.

Take control to protect your family’s financial security. A little buffer today can mean everything tomorrow. 𝑳𝒆𝒕’𝒔 𝒕𝒂𝒍𝒌 𝒂𝒃𝒐𝒖𝒕 𝒑𝒓𝒐𝒕𝒆𝒄𝒕𝒊𝒏𝒈 𝒚𝒐𝒖𝒓 𝒊𝒏𝒄𝒐𝒎𝒆.

State Farm offers Long-Term Disability coverage that YOU control — regardless of what your employer decides to do with their benefits package.

Call us at 440-238-3388.
Brandon Brletich State Farm
13117 Prospect Road, Strongsville.

TTEC suspended its 401(k) employer match for 16,000 workers and explicitly tied the decision to AI investments.

05/27/2026

What do Selma Blair, Alex Zanardi, Christopher Reeve, and Lou Gehrig all have in common?

They were at the top of their game. Thriving. Unstoppable. Until one day — they weren’t.
A diagnosis. An accident. A moment that changed everything.

And here’s the uncomfortable truth — it’s more common than you think:

📊 𝟭 𝗶𝗻 𝟰 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻𝘀 will become disabled before retirement
📊 The average disability absence lasts 2.5 years
📊 Disability causes nearly 𝟱𝟬% 𝗼𝗳 𝗮𝗹𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗳𝗼𝗿𝗲𝗰𝗹𝗼𝘀𝘂𝗿𝗲𝘀

𝗬𝗼𝘂𝗿 𝗯𝗶𝗹𝗹𝘀 𝘄𝗼𝗻’𝘁 𝗽𝗮𝘂𝘀𝗲. 𝗬𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘄𝗼𝗻’𝘁 𝘄𝗮𝗶𝘁. 𝗬𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗰𝗮𝗻’𝘁 𝗮𝗳𝗳𝗼𝗿𝗱 𝗳𝗼𝗿 𝘆𝗼𝘂 𝗻𝗼𝘁 𝘁𝗼 𝗵𝗮𝘃𝗲 𝗮 𝗽𝗹𝗮𝗻.

State Farm Long-Term Disability insurance is YOUR safety net — one that belongs to YOU, not your employer.

Because nobody plans to need it. That’s exactly why you should have it.

Let’s talk today.

Call us at 440-238-3388
Email: [email protected]
Preparing Ohio.

05/24/2026

𝐌𝐨𝐬𝐭 𝐝𝐫𝐢𝐯𝐞𝐫𝐬 𝐚𝐫𝐞 𝐢𝐧𝐬𝐮𝐫𝐞𝐝. 𝐅𝐞𝐰 𝐚𝐫𝐞 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐞𝐝.

Here's the difference:

Liability coverage = required by law. It pays for damages YOU cause to others. 𝗪𝗵𝗮𝘁 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝗬𝗢𝗨 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗶𝗻 𝗮𝗻 𝗮𝗰𝗰𝗶𝗱𝗲𝗻𝘁?

That's where Medical Payments coverage (MedPay) comes in — and most drivers either 𝗱𝗼𝗻'𝘁 𝗵𝗮𝘃𝗲 𝗶𝘁 or have no idea it's even an option.

Here's what a "minor" rear-end crash can actually cost:
• Ambulance ride
• ER visit + imaging (X-ray, CT scan)
• Prescriptions
• Weeks of physical therapy

Those bills arrive fast — before fault is ever determined.
MedPay bridges that gap. 𝘐𝘵 𝘤𝘰𝘷𝘦𝘳𝘴 𝘮𝘦𝘥𝘪𝘤𝘢𝘭 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴 𝘧𝘰𝘳 𝘺𝘰𝘶 𝘈𝘕𝘋 𝘺𝘰𝘶𝘳 𝘱𝘢𝘴𝘴𝘦𝘯𝘨𝘦𝘳𝘴, 𝘳𝘦𝘨𝘢𝘳𝘥𝘭𝘦𝘴𝘴 𝘰𝘧 𝘸𝘩𝘰 𝘤𝘢𝘶𝘴𝘦𝘥 𝘵𝘩𝘦 𝘢𝘤𝘤𝘪𝘥𝘦𝘯𝘵.

Before your next renewal, get these answers:
→ What's my MedPay limit per person?
→ How long after an accident are expenses covered?

💡 A good rule of thumb: choose a MedPay limit that at least matches what your household could realistically absorb out-of-pocket — especially if you have teen drivers or seniors on your policy.

I'm Bose at Brandon Brletich State Farm. If you're not sure what your policy actually covers, let's talk. Being legal and being protected aren't always the same thing. Call me at 440-238-3388

05/22/2026

BBQ season is coming up—a perfect time for picnics, brunches, and picking out the perfect pairing of ribs and coleslaw. Those easy conversations flow naturally. 🍖🥗

𝗕𝘂𝘁 𝗵𝗮𝘃𝗲 𝘆𝗼𝘂 𝗵𝗮𝗱 𝘁𝗵𝗲 𝗵𝗮𝗿𝗱 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻𝘀?
Talking about death is tough—often seen as taboo, especially at a gathering. But the real trouble is 𝙣𝙤𝙩 talking about it.

This Memorial Weekend, plan to have the hard conversation. Who knows, you could just start a new family tradition—showing up where it matters.

Plan for it. Budget for it.
Have someone guide you through your options and make it simple to plan for wills and trusts.

At State Farm, it’s not just a one-and-done. I’m here to have those full protection conversations with anyone ready to plan their future—without any nasty surprises.

Give yourself and your loved ones the gift of peace of mind. ❤️
Call 𝟰𝟰𝟬-𝟮𝟯𝟴-𝟯𝟯𝟴𝟴 to find out what a full protection conversation is.