Mrs. Insurance Lady

02/23/2026

The Lower Township Recreation Center is open as a warming center today for residents without power.
​Report outages: Call 1-800-833-7476 or use the Atlantic City Electric mobile app.

12/24/2025

There's a lot of hype going around about ObamaCare, and by now you are probably getting mixed information about what the law actually is and how it will affect you. The purpose of this post is to lay out the basic facts in plain English so you know exactly what to expect as this reform takes effect…

05/30/2025

Question: What insurance covers my car for flood damage?
Answer: The auto policy covers flood damage in the "Comprehensive" or "Other than Collision" portion of the policy. It is paid minus your deductible.

Question: What deductible is best?
Answer: Call your agent and ask what deductible you have now and what the price difference is to lower it to a $100, $50, and/or a $0 deductible. You may be very surprised to find it's less than the price of one or two large pizzas. In other words, it may be very inexpensive to have much better coverage.

Question: When is the best time to have an insurance check up?
Answer: Anytime before you have a claim.

08/31/2024

Question: What insurance covers my car for flood damage?
Answer: The auto policy covers flood damage in the "Comprehensive" or "Other than Collision" portion of the policy. It is paid minus your deductible.

Question: What deductible is best?
Answer: Call your agent and ask what deductible you have now and what the price difference is to lower it to a $100, $50, and a $0 deductible. You may be very surprised to find it's less than the price of one or two large pizzas. In other words, it may be very inexpensive to have much better coverage.

Mrs. Insurance Lady

08/31/2024

No matter the weather, stay safe this Labor Day weekend.
As always, I am still and always will be, a free Insurance Advocate.

01/14/2024

FYI.....

11/08/2023

Hello Everyone,

It's been awhile since I posted some helpful tips. I hope everyone is well and this information is informative and useful.

Mrs. Insurance Lady Says:

IMPORTANT information to get your affairs in order.

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if one is no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for their person.

🛍Last Will and Testament: Designates to whom personal belongings will go too.

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is NOT done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

📂Make sure heirs knows where life insurance policies are located.

📝Make 100% sure SOMEONE knows your Apple ID, bank ID, account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc.!

Set up a trust for intended beneficiaries that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain WHY your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST THIS, I DID....)

11/18/2022

Wishing all a Happy Thanksgiving.
I am still a free insurance advocate, here to help you make better, educated decisions. I will never let you inadvertently shoot yourself in the foot.

07/26/2022

What time is it?
Time to call your insurance company for a homeowners checkup.
Tomorrow may be the day after the storm when you find out you don't have enough coverage to fix all the damage.
Mrs. Insurance Lady

05/13/2022

Just a reminder. There's nothing worse than finding out the day after the damage that you are not covered for what you think you are. Don't let this happen to you. Get a check up, it's painless.
Mrs. Insurance Lady

11/03/2021

FYI......Kyle Surwilo 855-709-1802

Most of you know I'm an insurance agent with 32 years experience. Kyle Surwilo, my new health insurance agent, is one of the most impressive, hard working agents I've met in a very long time. His patience was infinite, his solutions were not only less expensive but gave better coverage, and his explanations were easily understood.

He and his entire team have impressed me so much that I want everyone to check them out. It's a national company, Senior Plus Advisors and they are on FB. I have never recommended anyone like this before and there is a huge reason. This company, Kyle, and his customer service team, have actual phone numbers without a tremendous overuse of voice prompts. They go above and beyond to advocate for senior citizens. If you are having a problem with a bill with your doctor, you call them and they will help you resolve the issues with you on the phone. They do what they say they will do.....!

I urge anyone on Medicare to give Kyle a call and see how he can help you. I am doing this out of my own frustration with the system and as your friend, I'd like to share what I feel to be a step up in the insurance industry. It's about time~!

  I was impressed with the personal service that didn't require a face-to-face meeting. It was nice to be provided information on ALL providers with no overt pressure to choose one or another. I felt I was fully informed of my choices and then allowed to make the decision that best suited my prese...

08/29/2021

As a retired insurance agent, I'm considered an expert in my field. I know how the system works, understand the philosophy of insurance companies, and know how to prepare you, the consumer, to get the best results. I'm not looking for your business, I'm an old hippie and feel compelled to help. I can't spend your money for you, what I can do is help you to spend it wisely! My brain is your biggest resource. Might I suggest you take me at my word. FB your questions. I'll respond as quickly as I can. Wishing you all peace, love, and good health.
Mrs. Insurance Lady