Miryam Cabrera Insurance Agency Inc

With the holidays coming up, it’s a great time to brush up on fire safety — and make sure you know where your fire extinguisher is and how to use it.

Remember the 3 A’s:
Activate the alarm
Assist anyone in danger
Attempt to extinguish (only if it’s safe!)

To learn more about how to keep your home safe and how home insurance can help, click here: https://bit.ly/474ZKaJ

If you’ve ever thought that you may not have enough life insurance, you’re not alone. According to the 2024 Insurance Barometer Study Report, 22% of life insurance owners say they do not have enough coverage. Non-owners who say they need life insurance represent 30% of all respondents.

So, what stops us from getting the coverage we know we need? Cost, or more accurately, perceived cost. Nearly three-quarters (72%) of all respondents overestimated the cost of a basic term life insurance policy. It’s worth noting that 54% said their estimate was based on “gut instinct” or a “wild guess.”

The truth is the right life insurance for your needs might be more affordable than you think. Contact me today to see how we can affordably enhance your life insurance coverage with Forbes’ 2024 #1 ranked life insurance in the U.S. or get you set up with a policy that will help you rest easy at night.

Life insurance policies issued by COUNTRY Life Insurance Company®️ and COUNTRY Investors Life Assurance Company®️, Bloomington, IL

💚 🫂 ✨ We've been protecting families and providing insurance to our clients since 1925. Follow me for tips on ways to protect what matters most.

🚨 Severe Weather Isn’t Predictable — Your Response Plan Should Be
September is National Preparedness Month. If you’re not ready for severe weather, now’s the time to fix that. Here are 4 strategic steps to help you stay safe and informed:
1️⃣ Know the risks
Traveling for work or vacation? Research local weather threats before you go. Is it hurricane season on the coast? Are tornadoes common in the Midwest? Knowing what to expect helps you plan smarter — like identifying shelter locations or prepping supplies.

2️⃣ Know where to go
Most cities have designated shelters for emergencies. Find them in advance via local websites or city contacts. Don’t wait until the storm hits to figure it out.

3️⃣ Stay connected
Power outages happen. Make sure you have a backup phone charger and a way to reach loved ones and local officials. Staying informed is key to staying safe.

4️⃣ Build your emergency kit before you need it.
Stock up on essentials: food, water, batteries, clothes, and meds for at least 3 days. Don’t forget pets, kids, and elderly family members. Tailor your kit to your household’s needs.

✅ Bonus Tip: Take a quick video inventory of your home. It’s a fast, effective way to simplify insurance claims if disaster strikes. http://bit.ly/4nxbARW
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we're proud we’ve been protecting families and providing insurance to our clients since 1925. Follow us for more tips on ways to protect what matters most to you.

Life insurance is a vital part of protecting your financial future and it will never be more affordable than it is today.

So, how affordable is life insurance, really?
The truth is, it depends on many factors, like age, health, lifestyle, coverage amount, etc. The good news is that even though the factors influencing your rate may feel extensive, getting life insurance is easier than ever. Life insurance companies use advanced underwriting methods to make the process easy for you.
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How can I lower my life insurance cost?
There are a variety of life insurance options that can fit your needs and budget. But if you want to try to lower your rate, these steps may help:
✅ Purchase a policy at the youngest age possible. Parents may consider purchasing a policy for children as their premiums are typically much lower than an adult’s.
✅ Live a healthy lifestyle. Individuals who live healthy lifestyles generally have lower premiums than those who don’t, as they tend to live longer and have a better quality of life.
✅ Review your insurance options. Term life insurance is typically less expensive than whole life insurance, since you are only paying for it for a certain amount of time.
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If you don’t have life insurance or haven’t reviewed your policy in a while, meet with me to discuss what life insurance is best for you right now and how much you can expect to pay for it. You might be surprised to learn that it’s more affordable than you first thought.