Kirk D Faubel Insurance Advisors

06/24/2026

It’s hard to believe we are already at the halfway point of the year. We hope that the first half of your year has been wonderful, and that the second half is just as great.

If anything has come up for you over the past few months, or if you would simply like to check in with us, do not hesitate to reach out.

We are here to support you throughout the season. Give our team a call today, and we can find time to connect.

06/22/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

06/21/2026

Whether you're spending the day with family or enjoying some well-deserved relaxation, we hope it's filled with joy and laughter. Share your favorite dad moments with us in the comments!

06/21/2026

Here’s the scoop: It’s time to celebrate Father's Day!

We wanted to shout out all of the dads, grandfathers, and father figures who make our lives special. We hope that this Father’s Day is filled with quality time, well-deserved rest, and maybe even a couple of dad jokes.

06/21/2026

Wishing all of the Dads a Happy Father’s Day!

06/20/2026

A homeowners policy should not be something you buy once and forget. Rebuilding costs, liability exposure, and property risks can all change over time, and if your policy has not kept up, a loss can reveal coverage gaps at the worst possible moment.

Since June is National Homeownership Month, our team wanted to share a few homeowners insurance mistakes that can cause problems later down the line:

🏠 Outdated dwelling coverage - Rebuilding costs have increased significantly over the years. A home insured for $300,000 a few years ago may cost far more to rebuild today, leaving a potential coverage gap.

🏠 Choosing coverage based primarily on price - Focusing only on the lowest premium can lead to higher deductibles, lower limits, or key exclusions, which can create high out-of-pocket costs in the event of an emergency.

🏠 Ignoring flood or earthquake risk - Many homeowners assume these are covered under a standard policy, but these perils typically require separate coverage. Even in moderate- or low-risk areas, events such as heavy rainfall or ground movement can still cause costly damage.

🏠 Overlooking liability coverage limits - If someone is injured on the property or there’s accidental damage to others’ property, insufficient liability limits could leave the homeowner responsible for significant out-of-pocket costs.

A quick review can provide a clearer picture of how your policy would respond in a real claim and whether any limits, exclusions, or gaps need attention. Contact our office to schedule a policy review, and we can go over your terms and make sure your coverage still fits your home today.

06/19/2026

Juneteenth commemorates June 19, 1865, when federal troops arrived in Galveston, Texas, two years after the Emancipation Proclamation, to enforce Abraham Lincoln’s order to end slavery in the rebelling state farthest west

It’s been observed as a day to honor this history and celebrate Black culture and resilience, and it officially became a federal holiday in 2021.

In observance of the holiday, our office will be closed on June 19th. We’ll be back on Monday, June 22nd. We hope you have a meaningful and joyful Juneteenth!

06/19/2026

We live about a half a block from a local really nice Italian restaurant. It’s not uncommon to have really nice vehicles 🚗 park in front of my house because the restaurants lot only holds about 10 cars.

As I was outside last night, admiring the crescent moon 🌙 flanked by Venus, I couldn’t help but to notice that this beautiful Escalade EV was parked in the exact same spot that my truck was parked in six years ago when someone driving way over the speed limit and reading emails on his phone slammed into the back of it, totaling it.

The difference is my truck was 13 years old with 200,000 miles on it, this new Escalade runs in the $135,000-$150,000 range. While even state minimum coverage was enough to cover the value of my truck at the time, state minimum coverage would leave you on the hook for well over $100,000 if it was the Escalade that was there.

The point is, if you have had the same insurance coverages since before the pandemic, there is a good chance you are well under insured for today’s world. We all know medical expenses continue to skyrocket, which is a big part of your insurance cost, but the average price of a new vehicle has increased over 30% since 2020.

The question you have to ask yourself is, do you want to pay a little bit more per month to be properly protected or do you want to write a check for $110,000 because you don’t have enough insurance. Don’t worry, if you don’t have $110,000 handy, but have a decent paying job, Missouri has a great payment plan called wage garnishment, where up to 25% of your wages can be taken to pay off your debts. 

06/18/2026

Thank you, Lemonade, I couldn’t have said it better myself. To see how affordable renters insurance is through Lemonade or many other top carriers, feel free to reach out.

I do understand that a lot of apartments offer their own insurance now however, a lot of them lack coverages to protect you and only focus on protecting the property owner.

From just $5/mo

06/13/2026

Today is the perfect day to roll up your sleeves and tackle those pesky weeds, trim your trees, and get your outdoor space summer-ready! Prioritize safety with these helpful tips and enjoy a beautiful, inviting backyard all season long! http://tkpl.us/sj5zu