877-415-8342 | 419-678-2326 service@preferredcenter.com
Stages of life when to review your life insurance policy

Stages of life when to review your life insurance policy

Stages of life when to review your Life Insurance Policy.

 

 

As you travel through various stages of life, your needs change. These changes can ultimately affect your life insurance needs. Review your current stage and ensure you have the right coverage in place. Our Life Insurance Specialists, Nate & Amanda, discuss just a few common stages of life to review your Life Insurance policy to make sure you have adequate coverage.

Request a free life insurance quote today! Affordable life insurance and peace of mind is just a click away.

3 Life Insurance Myths Debunked

3 Life Insurance Myths Debunked

3 Life Insurance Myths – Debunked!

 

Today our Life Insurance Specialists, Nate and Amanda, are debunking 3 Life Insurance Myths.
Myth 1: If I am the breadwinner of the family, does my spouse need life insurance?

Myth 2: Can I renew a term life insurance policy if I still find a need for it?

Myth 3: Do I only need term life insurance?

Request a free life insurance quote today! Affordable life insurance and peace of mind is just a click away.

Live2Lead Lima 2018

Live2Lead Lima 2018

LIVE2LEAD LIMA 2018

Learn from leadership experts and develop your own skills at Live2Lead Lima 2018.

The global rebroadcast will teach you the leadership skills you need to know and renew your passion.

 

Live2Lead is a half-day, leader development experience designed to equip attendees with new perspectives, practical tools, and key takeaways. They’ll learn from world-class leadership experts, be prepared to implement a new action plan, and start leading when they get back to the office with renewed passion and commitment.

October 26, 2018, at the Howard Johnson in Lima, Ohio.

ENJOY $30 OFF YOUR TICKET

PROMO CODE:

PREFERRED

[ Enter the promo code on the next page. Click the “Enter Promo Code” above the Order Now button ]

BEST IS THE ENEMY OF BETTER.

Live2Lead is a leader development experience designed to equip you with new perspectives, practical tools and key takeaways. You’ll breathe new life into your leadership during this information-packed full-day event.

By attending, you’ll master the art of the shift with John Maxwell so you can increase your agility and keep your leadership edge. You will learn how to apply Daniel Pink’s insights on the science of timing so you can make decisions faster for greater impact. You’ll understand the value of change with Carly Fiorina so you can prepare your organization for its next great leap. And, you’ll grasp the power of choice with Debra Searle so you can tap into the mindset of the most successful leaders in the world.

WHAT YOU’LL GAIN

RENEWED ENERGY

Live2Lead is designed to deliver the very best leadership content that inspires and
motivates all who attend.

NEW RELATIONSHIPS

Grow your own leadership as you connect with other influencers in your local community. Expand your network with relationships that produce tangible results.

NEW IDEAS

Live2Lead is a world-class leadership experience packed into a half-day format, full of rich content, key takeaways, and easy-to-implement action plans.

ENJOY $30 OFF YOUR TICKET

PROMO CODE:

PREFERRED

[ Enter the promo code on the next page. Click the “Enter Promo Code” above the Order Now button ]

Speakers include John C. Maxwell, leadership expert, bestselling author and coach; Carly Fiorina, 2016 presidential candidate, former CEO of Hewlett-Packard; Daniel Pink, best-selling author and top 10 most-watched Ted Talks of all time; and Debra Searle, motivational speaker and professional adventurer.

Live2Lead Lima is designed to deliver the very best leadership content to inspire and motivate you and your team. Plus connect with other influencers in your community and expand your business network with relationships that produce tangible results.

Live2Lead will be presented from 9 a.m. to 12:30 p.m. on October 26, at the Howard Johnson Conference Center in Lima, Ohio. Join your peers as we learn how to be better leaders. Doors open at 8 a.m. for registration. The rebroadcast is hosted by the LEAD Leaders Network, John Maxwell Team Certified Members.

Tickets are $99.00 per person; sign up for Early Bird pricing through 9/19 to receive a discounted rate of only $75! Group discount tickets are available if needed. Purchase tickets online at www.eventbrite.com

About the Speakers

JOHN C. MAXWELL

A #1 New York Times bestselling author, coach, and speaker, was
identified as the #1 leader in business by the AMA and the world’s
most influential leadership expert by Inc. in 2014. His organizations—
The John Maxwell Company, The John Maxwell Team, and EQUIP—
have trained over 6 million leaders worldwide.

CARLY FIORINA

Named the “Most Powerful Woman in Business” by FORTUNE
Magazine and was the first woman to lead a FORTUNE 20 company
as the CEO of Hewlett-Packard. Fiorina has also headed the External
Advisory Board for the CIA under President George W. Bush and was
a 2016 U.S. presidential candidate.

DANIEL PINK

One of the best-selling nonfiction authors of the last decade. His
books on work, business, and behavior have been translated into 35
languages and have sold more than 2 million copies worldwide. He is
a New York Times bestselling author and his TED Talk on the science
of motivation is one of the 10 most-watched TED Talks of all time,
with more than 19 million views.

DEBRA SEARLE

A professional adventurer, public speaker and founder of Shoal
Projects Limited and Mix Diversity Developers Limited. Debra is now
one of the most prolific female speakers on the European circuit and
has spoken worldwide to over 1000 companies, including clients such
as IBM and Microsoft, as well as speaking at events such as TEDx.

BROUGHT TO YOU BY:

FINCHUM CONSULTING

Teaching and training individuals and companies how to reach their maximum potential as they add value to others.

Trailblazer Tuesday – Workshop on Communication & F.B.I.’s

Trailblazer Tuesday – Workshop on Communication & F.B.I.’s

We’re going to introduce Trailblazer Tuesday and the Preferred Adventure Center. Now I know that takes some explanation for you guys and everybody out there in the Facebook world.

I’m sure we got millions of people watching us right now. We’re in a basement room at Preferred Insurance Center and if you want to think of it as the bat cave, that would be awesome, right?

But the reason I’m calling it – and I’m going to call the whole office the Preferred Adventure Center. It’s because I’ve been thinking about this for a while, and we do things a lot different. We have a lot more to offer than just insurance. I was thinking, “You know, life is never going to be a walk in the park. So don’t just go on a walk. Go on an adventure.” That’s what we intend to do and we intend to help you do the same thing.

Now what’s an adventure? It doesn’t matter if it’s you as an individual or your family or your business or your farm or whatever. We know where we’re at right now and hopefully, most of us have a dream about where we want to go. The distance between where you are and your dream, that’s your adventure.

Now most insurance agents, all they have to offer is insurance. So they’re going to come along, try to sell you as much insurance as you’re willing to buy, throw in your backpack and carry on that adventure. But that’s not us.

We want to help you buy the least amount of insurance you need to make sure your dreams don’t become a nightmare. Then we’re going to grab our backpack, which is probably going to be pink, fill it with all the stuff we do outside insurance and go on that adventure with you. So that’s why I’m calling it the Preferred Adventure Center.

What’s Trailblazer Tuesday? Well, we need to start getting together and talk about training for things and learn new techniques and stuff like that, which is what we’re going to do today. Then sometimes we’re going to talk about our failures because if you’re on an adventure, you’ve got plenty of failures, so that we can learn not to do them again.

Our successes, we’ve had a few. We want to repeat those and I thought about it and said, “How about every Tuesday at about 8:35am?” We invite anybody who’s interested to have a little peek at our adventures and come along a little bit with us. So that’s what we’re going to do.

Today we’re going to do a scene with the FBI. In real life, people do things. Whether they know it or not, they hurt somebody’s feelings or they don’t do their job right the way it should be or whatever it may be and we need to give them a little criticism. But most of us – and I included – have no idea how to deliver criticism in a way that inspires change.

Well, the problem with that is what happens is you have a criticism but you don’t deliver it. You decide, “You know what? I don’t know how to do this. I really don’t want to hurt the person’s feelings. So I sit on it,” and then you sit on it and you sit on it and either you tell somebody else. Now two of you are sitting on it or you have an eruption which is a really bad idea because you probably say things – everything wrong and if you keep the rumors going, you might even go complain to your boss and chances are your boss, he or she probably doesn’t know how to deliver criticism either because I was crappy at it and I probably will be for a while. But I’m going to try this. We’re going to do this and I think it’s going to work fantastic.

Now your boss is put in a position of either doing a crappy job of delivering criticism or looking like they don’t do anything and don’t care, both of which have really bad outcomes. OK? So to avoid all that, we’re introducing the F.B.I. (Feelings, Behavior and Impact.)

I read about this and every place I’ve heard of who have implemented it thinks it is a game-changer. It’s huge. Feelings, Behavior and Impact. So let’s say something happens and you decide you need to criticize somebody and I hate using that word because it sounds bad because you want them to improve. Let’s face it. That’s what teams do. It’s what you do with your kids, whatever. You want them to improve. You don’t want to just make them feel bad. For a while, maybe you do. But let’s be honest. We’re all human.

But generally, that’s the case. So if you can do these three things and tell them these three things in the right way, you will hopefully inspire change.

  1. So the first thing is FEELINGS. Something happens. You have to be able to describe how they feel.

Maybe I felt let down. I felt frustrated. I prefer not “I felt angry” because I am a strong believer that anger is an emotion you have, but you don’t want anyone else to feel. So try to take some time to step back and figure out why you’re angry.

I felt you let down the team or whatever it may be. If what happened doesn’t make you feel anything, it’s probably not important enough what you say. OK?

  1. BEHAVIOR. You got to talk about somebody’s behavior. It’s either what they did or what they said. You can’t say – criticize somebody because you think they feel a certain way. You can’t read people’s minds. So don’t try and behavior is probably the only thing we can all consistently change. This is why you need to deliver this as soon afterwards as possible.

We need to be able to say when the behavior happened and possibly can and describing really well for them. It gives them a chance to change. If you can’t name the behavior and you can’t figure out how to tell them, you probably better not deliver anything. OK? You need to put it on the back burner and forget about it.

  1. The last one is IMPACT. Whatever happened made you feel a certain way, their behavior was in such a thing. And now, what was the impact? If the behavior had no impact, why tell them? Nothing happened or nothing made you – if you think something could happen that would be worthwhile. But it has to have an impact and you need to tell that because everybody sitting in this room, 99 percent of people out there, if they know they made you feel a certain way by doing a certain thing and the impact was bad, they’re going to try not to do it again.

You’ve inspired change. That works for compliments too. If they know you felt a certain way because they did something really good and the impact was positive, they’re probably going to repeat. So this works both ways, right?

Now how do you deliver this? Ideally, obviously if it’s a compliment, it would be great if you said it in front of people. That’s awesome. If it’s not a compliment, you’re going to have to do everything in your power to be private about it.

If it’s on your mind, don’t ask somebody else to bring it up. You bring it up. Go up to the person and say, “Dan, I’m giving you an FBI.” When you do that, that’s going to sound weird the first 20 times you say it. But if we say it enough around here, it will become common. If you do that, that person knows you thought this out. It’s important enough. They better put down their cell phone, stop taking their messages and listen to you and they’re going to know that this is something they probably have the ability to change a little bit.

If it’s a compliment in front of everybody, everybody standing around is going to pick up their ears and say – they’re going to listen, right? So just say it. I’m giving you an FBI and then you go through – and you do it.

Now, I want to do a criticism but obviously we’re in front of quite a few people. So the only person I feel like I can criticize is me. So I’m going to do the two-sided man. All right. Here we go. This is an example.

Dan, I’m giving you an FBI.

I guess I better listen, huh?

Yeah. You know, yesterday, you made me feel frustrated. You made me feel desperate and overwhelmed because you made changes to the system over the weekend. You didn’t ask us about it. You didn’t warn us about it. We showed up on a Monday morning and our day blew up and Monday is a bad day anyway. Then you set the tone for the whole week. OK?

So that’s my feeling, behavior and the impact. It was devastating.

Wow, you know, I got to admit I didn’t know that. So in the future, I will try to ask ahead of time if I can. Sometimes I have to do stuff over the weekend because that’s the only time I have the time. But I will try to warn you that I’m going to do it and I’m going to get your opinion ahead of time. If it’s going to be really terrible, maybe I can break it into smaller pieces. Does that sound fair?

Fair enough.

That’s an FBI and don’t tell me that’s not going to make a difference. That’s going to work. It’s going to make somebody think. Now, I’m going to do a compliment.

Now this one, Andrea, you wrote something really nice about Gina on our weekly team commits, and she deserves to know that. So I’m going to play Andrea here.

“So Gina, I’m giving you an FBI. You know, it made me feel proud and inspired me and it showed me I trusted the right person because you were feeling rough for a few days. You missed some work. But when you showed up, you were game on. You tried to make up for lost time and you weren’t grumpy. You had a great attitude and the impact was I know that’s the way I’ve got to act the next time I’m feeling a little off my game. So thank you very much.”

Now that’s an FBI. That’s a compliment. All right? Now we can do this and I really want this to be the standard and there’s – if you have something to say to somebody, it’s not like you should say it. You have an obligation to say it. If you don’t deliver that FBI and that person does it again, you harmed everybody here. All right?

If somebody comes to you and they tell you about something somebody else did, you have an obligation to look at that person and say, “You need to deliver an FBI,” and one more thing. If you’re in a little bit of a leadership or a management role, the first time at least, if it’s at all possible, somebody comes to you and tells you something, say, “If at all possible, you need to give that FBI.” All right?

Thanks for joining us for Trailblazer Tuesday and remember, life here on earth is not going to be a walk in the park. So don’t just go for a walk. Go on an adventure.

Happy Fathers Day | Preferred Insurance Style – From Gina Hess

Happy Fathers Day | Preferred Insurance Style – From Gina Hess

Our favorite office manager, Gina Hess, writes about her dad this Fathers Day:

I can’t pick a favorite memory of my dad, but there are few things that come to mind that brings a smile to my face.

For Dad and those closest, I’m sure the following will spark some pretty amazing memories: National Lampoon’s Christmas Vacation, Huey Lewis and the News concert, Cincinnati Reds games, summer vacations, and relaxing with a cold one (preferably around the grill.)  I know I don’t say this enough, but thanks for everything and love you, Dad.  Enjoy your special day!

Free Workshops – See How Preferred Planning is Making A Difference

Free Workshops – See How Preferred Planning is Making A Difference

4 Free Planning Workshops Every Month

We are offering free workshops almost every Monday evening.
All the workshops start go from 5:30 – 6:30 PM.
Just show up (bring a friend) and we’ll make it worth your while.

1st Monday: Retirement and Social Security Planning - Click for more information

 [ Retirement & Social Security Planning ]

Retirement should be Secure so you can Socialize.

  • When: First Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • How much do I really need to save for retirement?
    • When should you start to collect Social Security and how should you file?
    • Over 90% of Americans do NOT maximize their Social Security benefits.
    • You really could live to be 100, but will it kill you financially?
    • What about taxes on Social Security? Earning limits?
    • It’s a puzzle, but when it all comes together, it can be beautiful.
2nd Monday: Life Financial Roadtrip Planning - Click for more information

[ Life Financial Road Trip Planning ]

Dreams → Goals → Reality.

  • When: Second Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Some topics we will discuss:
      • Your Financial Goals
      • Life Insurance
      • Your Retirement Goals
    • It’s time to get organized! - Waiting is the most common reason for failing.
    • Think of life a little like planning a great road trip
      • Where are you now?
      • Where do you want to end up at?
      • What stops do you want to make along the way?
    • You know you’ll get lost, so be ready.  
3rd Monday: Medicare, Med-Supp Planning - Click for more information

[ Medicare, Medicare Supplements, Prescription Drug Plans and Alphabet Soup ]

  • When: Third Monday of every month, 5:30 - 6:30 PM
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • You have Medicare parts A, B, C & D
    • Then you have Med Supp Plans A, B, C, D, F, K, L, M, N
    • Of course there’s prescription drug plans
    • And Medicare Select Plans
    • And despite all that confusion, we can make your decision relatively easy.
4th Monday: Estate Planning & Long Term Care - Click for more information

[ Estate Planning ]

You can't take it with you,  but don't have to give it to Uncle Sam either!

  • When: Fourth Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Great, you have a Will. If that is all you have this is what will happen when you die
      • It will take about 14 months to settle your estate (Ohio average)
      • Your Probate cost will be from 3% - 8% of your estate (Ohio average approx. 5%)
      • Everything you own becomes public information.
    • A little planning can get your estate settled in under a month, at little or no cost, and completely private!
    • So which plan do you think your heirs would prefer?
Impact Of A Disability Tool

Impact Of A Disability Tool

Impact-of-a-Disability-tool-2

If you haven’t thought about being disabled, perhaps you should. This is just a few simple questions to guide you along the way. When you want a little more information, call to set an appointment with one of our planners, or attend a workshop, or both!

 

2nd Monday: Life Financial Roadtrip Planning - Click for more information

[ Life Financial Road Trip Planning ]

Dreams → Goals → Reality.

  • When: Second Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Some topics we will discuss:
      • Your Financial Goals
      • Life Insurance
      • Your Retirement Goals
    • It’s time to get organized! - Waiting is the most common reason for failing.
    • Think of life a little like planning a great road trip
      • Where are you now?
      • Where do you want to end up at?
      • What stops do you want to make along the way?
    • You know you’ll get lost, so be ready.  
4th Monday: Estate Planning & Long Term Care - Click for more information

[ Estate Planning ]

You can't take it with you,  but don't have to give it to Uncle Sam either!

  • When: Fourth Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Great, you have a Will. If that is all you have this is what will happen when you die
      • It will take about 14 months to settle your estate (Ohio average)
      • Your Probate cost will be from 3% - 8% of your estate (Ohio average approx. 5%)
      • Everything you own becomes public information.
    • A little planning can get your estate settled in under a month, at little or no cost, and completely private!
    • So which plan do you think your heirs would prefer?
1st Monday: Retirement and Social Security Planning - Click for more information

 [ Retirement & Social Security Planning ]

Retirement should be Secure so you can Socialize.

  • When: First Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • How much do I really need to save for retirement?
    • When should you start to collect Social Security and how should you file?
    • Over 90% of Americans do NOT maximize their Social Security benefits.
    • You really could live to be 100, but will it kill you financially?
    • What about taxes on Social Security? Earning limits?
    • It’s a puzzle, but when it all comes together, it can be beautiful.
3rd Monday: Medicare, Med-Supp Planning - Click for more information

[ Medicare, Medicare Supplements, Prescription Drug Plans and Alphabet Soup ]

  • When: Third Monday of every month, 5:30 - 6:30 PM
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • You have Medicare parts A, B, C & D
    • Then you have Med Supp Plans A, B, C, D, F, K, L, M, N
    • Of course there’s prescription drug plans
    • And Medicare Select Plans
    • And despite all that confusion, we can make your decision relatively easy.

 

Life Goals and Needs Planning Tool

Life Goals and Needs Planning Tool

This should give you a great idea where you are and where you need to be. Check it out, but it’s only the start. Let us help you get the safely. Make an appointment with one of our planners, or attend a workshop, or both!

2nd Monday: Life Financial Roadtrip Planning - Click for more information

[ Life Financial Road Trip Planning ]

Dreams → Goals → Reality.

  • When: Second Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Some topics we will discuss:
      • Your Financial Goals
      • Life Insurance
      • Your Retirement Goals
    • It’s time to get organized! - Waiting is the most common reason for failing.
    • Think of life a little like planning a great road trip
      • Where are you now?
      • Where do you want to end up at?
      • What stops do you want to make along the way?
    • You know you’ll get lost, so be ready.  
1st Monday: Retirement and Social Security Planning - Click for more information

 [ Retirement & Social Security Planning ]

Retirement should be Secure so you can Socialize.

  • When: First Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • How much do I really need to save for retirement?
    • When should you start to collect Social Security and how should you file?
    • Over 90% of Americans do NOT maximize their Social Security benefits.
    • You really could live to be 100, but will it kill you financially?
    • What about taxes on Social Security? Earning limits?
    • It’s a puzzle, but when it all comes together, it can be beautiful.
3rd Monday: Medicare, Med-Supp Planning - Click for more information

[ Medicare, Medicare Supplements, Prescription Drug Plans and Alphabet Soup ]

  • When: Third Monday of every month, 5:30 - 6:30 PM
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • You have Medicare parts A, B, C & D
    • Then you have Med Supp Plans A, B, C, D, F, K, L, M, N
    • Of course there’s prescription drug plans
    • And Medicare Select Plans
    • And despite all that confusion, we can make your decision relatively easy.
4th Monday: Estate Planning & Long Term Care - Click for more information

[ Estate Planning ]

You can't take it with you,  but don't have to give it to Uncle Sam either!

  • When: Fourth Monday of every month, 5:30 - 6:30 PM 
  • Where: The Banquet Room at Preferred Insurance Center, 809 W Main St, Coldwater, OH 45828
  • What: There's a lot to think about.
    • Great, you have a Will. If that is all you have this is what will happen when you die
      • It will take about 14 months to settle your estate (Ohio average)
      • Your Probate cost will be from 3% - 8% of your estate (Ohio average approx. 5%)
      • Everything you own becomes public information.
    • A little planning can get your estate settled in under a month, at little or no cost, and completely private!
    • So which plan do you think your heirs would prefer?