3 Reasons People Don’t Buy Life Insurance (And Why They’re Wrong)

3 Reasons People Don’t Buy Life Insurance (And Why They’re Wrong)

Life insurance is something that most of us don’t want to think about, but it’s an important aspect in keeping your family safe.

Thinking about life insurance is something one has to do, however difficult it is. Why is it difficult? Well, it might something have to do with coming to terms with your inevitable death. When it comes to the safety and financial security of your family, life insurance is definitely something you should think about. For some, however, it’s not enough. Life insurance myths are something that they may never think about because of preconceived notions they picked up along the way. Here are three reasons people don’t buy life insurance and why they are wrong to not do so.

  1. “I’m, like, really healthy.”

You may be healthy now and have a strong family record of being healthy, but no one knows how long our health will remain in tact. You never know what virus or infection or injury you’ll pick up tomorrow. Short of being Patient Zero for the zombie apocalypse, purchasing a quality life insurance plan protects your family should anything unexpected happen to you.

  1. “I can’t afford it.”

This is a misconception that many people have about life insurance. The truth is that life insurance is not all that expensive. This depends on a number of factors, of course, including your age, health, life habits, and how much coverage you want to buy.

  1. “The process intimidates me.”
    How much is your family’s security worth to you? If your family depends on your for things like mortgage, education, extracurricular activities, or anything else—their security should certainly be worth a few moments of your time, no matter how uncomfortable you may be.

Your family depends on you making the big decisions (at least half of them). Your family shouldn’t have to suffer further: your early departure is hard enough already. For a quality life insurance policy that is affordable and comprehensible, without too much stress, contact Miller Insurance Agency, Inc. In Carlisle, PA. We’re happy to help you with the policy that you and your family need!

June: National Safety Month

June: National Safety Month

Health is something that we take for granted, but with these safety tips, you can guarantee your safety.

Injuries are a leading cause of disability among people of all ages and are actually the leading cause of death for Americans aged 1 to 44. The good thing about injuries is that most of them can be prevented, which may save you a trip to the hospital (or worse). Here are some things you can do to stay safe and prevent injuries. As June is National Safety Month, it’s your time to spread awareness to decrease the amount of injuries one person at a time and make June as safe as possible.

What Can You Do on National Safety Month to Make a Difference?

  • Driving and Biking: Driving and biking pose a big threat to us because most of do at least one of these every single day. Make sure that you use your headlights and your blinkers when necessary.
  • Medication: Keep your medicine above children’s reach in a locked cabinet. If your home does not have a medical cabinet, install a key lock below your sink to keep children from getting into them and taking any dangerous medication.
  • Emergency Preparedness: Disasters occur when you least expect them: Meaning that you should have evacuation plans for fires/earthquakes/floods just in case they happen when you least expect them (and they will). You should also have first aid kits available at the ready in case someone needs any immediate medical attention.
  • Preventing Falls: Prevent falls, slips, and trips in your home by keeping alleyways and staircases free of any obstacles like toys, clothes, or any objects that could pose threats to one’s balance.

For more tips on how to remain healthy and safe during this month and beyond, contact Miller Insurance Associates in Carlisle, Pennsylvania. We’ll work with you to get you the best health insurance policy that meets all of your need.

Keep Your Children Safe With These Cyber Safety Tips

Keep Your Children Safe With These Cyber Safety TipsThe Internet is a very big place and your children are small, how are you to protect them from the vastness of the Internet?

Cyber security is important to everyone, but what does it mean to be “safe” in the online world? And what can parents do to ignore the media sensationalizing the web, and get down to what they really need to know about cyber security? Here are the top three things you can do to teach your kids how to become responsible digital web-browsing citizens.

  1. Teach them to post responsibly. Your kids should know that when they post something online, it is going to be online until the end of the Internet and it cannot be taken back. (Somebody should have told your Facebook friend that who has over 500 pictures of their baby, right?) Teach your kids to not post anything they wouldn’t say in person to stop them becoming an infamous “Internet Troll.”
  1. Teach them about privacy settings. It’s best to set your children’s computer time with parental controls to limit what they can see. Privacy settings can deter people from seeing their posts on Instagram, Facebook, or Snapchat. Disabling location services would be a good idea too, until they’re old enough to make their own decisions.
  1. How to Interact With Others. Just like IRL (in real life) children should be taught to recognize inappropriate behavior and respond by telling a trusted adult. Without the benefit of face-to-face communication, the human element is taken out of web forums and social media leading to some nasty comments. Teaching your child that there is another human being on the other side of the screen will show them that empathy is a strength, not a weakness.

Cyber security is a real threat that faces both people and businesses alike. Ensure that your children and information are kept safe from those that walk the strands of the web with malice intent with the right home or business insurance. Contact Miller Insurance Associates in Carlisle, Pennsylvania for all of your insurance coverage needs.

Make Your Wi-Fi Secure At Home

Make Your Wi-Fi Secure At HomeYour Wi-Fi can easily be made secure without too much effort on your end.

Your home or small business’s wireless network comes with security but it’s not going to work unless you turn it on. Unfortunately, there’s not a switch on the back of the router that will make it secure—nothing comes that easy. The software we’re looking for, already included in the majority of routers, is called WPA, WPA2, or WEP which will randomly generate an encrypted network key which will make it very, very difficult to hack. This key is required in order to access your wireless network, meaning that each device will have be configured with that one key. After that, however, it’s automatic. We recommend going with WPA2 as it’s the newest in Internet security technology.

These security features are essential in our 21st century world where literally everything is connected to the Internet—from your phone, to your shoes, and even to pacemakers. If you don’t have these security features, anyone will be able to piggyback on your network and—to make matters worse—if they even have a simple background in computer science, they’ll have access to all of your security files and passwords. And we don’t have to tell you all the consequences of having your credit card information stolen, do we? Even if they don’t have a background and have hacking experience they’re still using your Internet for free, and no one likes being taken advantage of.

When it comes to your Wi-Fi, it’s good to be as secure as can be, especially when it comes to your private and secure information. For all of your homeowners or business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

What Protection Exists for My Vacation Home?

What Protection Exists for My Vacation Home?Your home away from home can be a treasured and indispensable possession that needs to be protected.

Maintenance for your vacation home is pretty much the same as it is with your primary residence. Yes, even if you only use that home for one or two weeks out of the year. There are a few reasons why you may need to take a few extra measures with your second home. As stated earlier, you likely only use your second home for vacation purposes only and seldom visit. And if your vacation home is like most, it is in the middle of nowhere with very few neighbors so if anything were to happen to it, no one would notice until it’s too late.

For that reason, and that reason alone, it is a good idea to have a local resident come check out the house every now and then to make sure that everything is going swell. If you leave the plumbing on (though we don’t recommend this), have someone come and run the water every four to six weeks. This will keep water from freezing or becoming stagnant and possibly causing damage to your pipes.

A regular check on the interior of the home is a pretty good idea as well. Wildlife may be using your home as much, if not more, as you do. Periodic inspections for vermin may help prevent a lot of damage and save some real money. Be careful, though! In real life, Baloo the bear may not be as friendly with you as he is with Mowgli.

Some other tips on how to reduce the chances of an accident are:

  • Turn the heat down (turn it off only if water is shut off and pipes, water heater, etc. are drained and anti-freeze is added to all sewerage traps)
  • Lock all doors, windows and points of entry using dead bolt type locks
  • Check the proper operation of your alarm system
  • Forward mail to your regular address
  • Remove all valuable items from your home
  • Turn off water connections to faucets, toilets, washer, water heater, dishwasher, etc.
  • Leave faucets open

To ensure your vacation home is protected from unfortunate events, it’s important to have a good home insurance policy. For the quality home insurance coverage that your home needs and deserves, contact Miller Insurance Associates. Be sure to secure your home’s year-round protection with our Carlisle, Pennsylvania team!

Carlisle, PA Wins Strongest Town 2016 Contest

Carlisle, PA Wins Strongest Town 2016 ContestBrenda Landis came up with the idea to enter Carlisle into the strongest competition, and it paid dividends!

Strong Town contest is a competition held by the organization Strong Town that is aimed to support the sustainable development of small towns—including fields such as finance, transportation, and community involvement. Small towns are becoming less and less relevant as time moves forward because the idea of living in the “Big City” (i.e. New York, LA, or Chicago) seems to attract young people. And that’s nothing new, it’s just that now with transportation being so easy, and the Internet in full bloom, finding a job anywhere possible.

The competition itself is held like a March Madness bracket, and is unexpectedly very fun to watch teams progress to the next round. The jubilation of winning, and the heartbreak of losing is what makes people want to go vote in Strong Town.

Carlisle made it through the round of 64, and 32 with ease. The Sweet 16, Elite 8, and Final 4 were all progressively more difficult to advance, but advance we did! Before we knew it, we were in the championship. The final was against Hoboken, NJ. It was time: all or nothing! Everything you got, you leave on the field!!

With 52 percent of the vote, the uncontested winner of Strong Town 2016 was your very own, Carlisle, Pennsylvania!

Carlisle Mayor, Tim Scott said that he felt “tremendous pride and accomplishment” upon learning that Carlisle had been named the winner of this contest. He continued, said: “Just like the NCAA Finals, it takes a team and this was proof positive that all the folks that worked hard to make this happen, plus all the voters, came together to produce a win.”

Miller Insurance is proud to be part of the best small town in 2015, and wants to see the voters do the same for the 2016 repeat! For all of your insurance needs in Carlisle and the rest of Pennsylvania, contact Miller Insurance Associates today!

Gun Safety in Carlisle, PA!

Gun Safety in Carlisle, PA!

4 Questions to Ask If You Keep Guns in the House.

There are an estimated 300 million firearms in U.S. homes, and, logically, the more guns there are, the chances for gun-related incidents greatly increase. “It will never happen in my home,’ says every gun owner before it happens in their home. If you own a gun, and you keep it in your house, ask yourself these questions to prevent a gun-related accident.

  • Is my firearm locked and loaded? Whenever you are not using your gun, your gun should be unloaded and placed in a secure location, away from child access.
  • Where’s the ammo? Keeping your ammunition separate from the gun itself is a way to greatly reduce an accident. Especially if the ammunition is locked.
  • How much does my family know? Everyone in the house should know that you are keeping a firearm. And remind your children never to touch guns—no matter whose house they are in.
  • Does my insurance cover me? Homeowners policies may cover accidental and negligent acts, but they generally do not cover intentional ones. Meaning, if you shoot someone, even in self-defense, you won’t be covered .

With accidents like these, you want to make sure that all your guns are covered—otherwise you could end up being in loads of trouble. Instead, ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing  insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!