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7 Things to do after you say "I Do"

From invitations to venues and centerpieces to menus, a wedding brings a lot of details to pay attention to. But… insurance isn’t usually one of them.

After the big day (and the perfect honeymoon), make sure your insurance information is in order. Here’s how to get started:

  1. Consolidate your home and auto insurance. For a married couple, it usually makes the most sense to share insurance coverage. Having one policy prepared by one agent tends to make everything more convenient, and you could even be offered a lower rate or discount.
  2. Or, review your individual coverage. If you’re planning to keep your insurance policies separate, plan on reviewing them first. Make sure there’s no overlap in your policies. That way, you’re not paying for the same protection twice.
  3. Understand how much insurance you can afford. With two incomes, you may have more room in your budget for more (or better) insurance coverage. If you’re willing and able to make an increase, determine the amount and review the costs with your agent.
  4. Update your life insurance beneficiary. If you have life insurance before you’re married, whether it’s through your employer or an insurance company, you’ve usually named a parent or sibling as your beneficiary. After getting married, you’ll likely want to change that to your spouse.
  5. If you don’t have life insurance, consider it. If you were to pass away, would your spouse be able to face the future financially? Or vice versa? Life insurance makes it easier to do so. It lets you know your loved one will be protected from financial stress when it’s most important.
  6. Insure the wedding rings. All jewelry (up to a certain dollar value) should be added to your homeowners insurance—especially wedding rings. Save your receipts and the appraisal, and if you move after your wedding, make sure the insurance follows you.
  7. Change your name (if you’ve decided to). A new last name means a new Social Security card, driver’s license, passport and more. As a general rule of thumb, you should also update your name anywhere you’d update your address if you moved. Think employers, service providers, subscriptions, professional memberships, alumni associations and more. Additionally, to safeguard your identity throughout the name-changing process, our team of personal fraud specialists can help you navigate any name-change requirements and creditor notifications at no cost (provided you are a Frankenmuth Insurance policyholder).

To take the first step, feel free to reach out to a Frankenmuth Insurance agent in your area. Find one near you now.

According to the National Safety Council “Injury Facts 2016”, car crashes are the #1 killer of teens.

They have five easy tips for parents:

  • Buckle up on every trip, and make sure passengers are buckled, too
  • Keep household rules in place, even after school lets out. One third of parents surveyed said they allow risky behaviors during vacations, like driving late at night
  • Practice with teens, even after licensure, to ensure they are retaining good driving habits
  • Model good behaviors; 95% of parents who drive distracted do so in front of their teens according to an NSC survey
  • Set household cell phone rules.

Visit the National Safety Council for more information and tips on teen driving safety at www.nsc.org

Keeping Your Personal Information Secure Online

Know who you share your information with. Store and dispose of your personal information securely.

 

Be Alert to Impersonators

Make sure you know who is getting your personal or financial information. Don’t give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or know who you’re dealing with. If a company that claims to have an account with you sends email asking for personal information, don’t click on links in the email. Instead, type the company name into your web browser, go to their site, and contact them through customer service. Or, call the customer service number listed on your account statement. Ask whether the company really sent a request.

 

Safely Dispose of Personal Information

Before you dispose of a computer, get rid of all the personal information it stores. Use a wipe utility program to overwrite the entire hard drive.

Before you dispose of a mobile device, check your owner’s manual, the service provider’s website, or the device manufacturer’s website for information on how to delete information permanently, and how to save or transfer information to a new device. Remove the memory or subscriber identity module (SIM) card from a mobile device. Remove the phone book, lists of calls made and received, voicemails, messages sent and received, organizer folders, web search history, and photos.

 

Encrypt Your Data

Keep your browser secure. To guard your online transactions, use encryption software that scrambles information you send over the internet. A “lock” icon on the status bar of your internet browser means your information will be safe when it’s transmitted. Look for the lock before you send personal or financial information online.

 

Keep Passwords Private

Use strong passwords with your laptop, credit, bank, and other accounts. Be creative: think of a special phrase and use the first letter of each word as your password. Substitute numbers for some words or letters. For example, “I want to see the Pacific Ocean” could become 1W2CtPo.

 

Don’t Overshare on Social Networking Sites

If you post too much information about yourself, an identity thief can find information about your life, use it to answer ‘challenge’ questions on your accounts, and get access to your money and personal information. Consider limiting access to your networking page to a small group of people. Never post your full name, Social Security number, address, phone number, or account numbers in publicly accessible sites.

 

You can find more information on keeping your personal information secure at https://www.consumer.ftc.gov

 

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There are several factors to consider when shopping for a vehicle and how much it will cost for insurance. These factors can result in a difference in premiums between similar makes and models.

Vehicle Design – damageability and occupant injury

Safety Technology – Do these features meet the expectations of the Insurance Institute for Highway Safety?

For more information on vehicle ratings visit the Insurance Institute for Highway Safety at http://www.iihs.org/iihs

 

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Meyering Insurance supporting 4-H competitors

For over 40 years Meyering Insurance has been supporting our customer's 4-H participants in many different ways. This year in conjunction with Pioneer Insurance, Meyering Insurance Agency was proud to support 15 youth at the Allegan and Ottawa County fairs participating in 4-H competitions. We commend these young participants for their hard work and dedication to their animals.

College students renting an off-campus apartment or house while away at school should consider purchasing renters insurance to protect their personal property, such as a computer, television, stereo, bicycle or furniture, in the event that it is damaged, destroyed or stolen.

 

Even if a student is a dependent under his or her parent's insurance, the student's personal property, in many cases, is not covered if the student lives off campus. Parents should check their policy or contact their insurance agent to see if renters insurance is right for their son or daughter who is away at school.

 

RESOURCE:

Consumer Alert: Renters Insurance for College Students

http://www.naic.org/documents/consumer_alert_renters.htm

A Preferred Plus Partner with Frankenmuth Insurance

Frankenmuth, MI – At its recent Executive/Agency Round Table meeting, Frankenmuth Insurance recognized Meyering Insurance Agency, Inc. of Hamilton, MI as a “Preferred Plus” Partner for 2016.  
This prestigious distinction is awarded to the top 5% of all independent agencies representing the insurance company, and is reflective of the agency’s outstanding profitability, growth, and partnership.   
This marks the second consecutive year that Meyering Insurance Agency has been recognized as a Preferred Plus Partner.  
“The effort and professionalism of the management and staff at Meyering Insurance Agency reflects our own goal of exceeding the expectations of those we serve” says Frankenmuth Insurance President and COO Fred Edmond.  “It is indeed a privilege to honor the agency with our Preferred Plus designation.” 

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Frankenmuth Insurance has been providing peace of mind for families and businesses for nearly 150 years. Because insurance is both complicated and critical to people’s lives, we work exclusively with independent agents. With more than 600 employees, we are headquartered in Frankenmuth, Michigan, and offer insurance products in 14 states. Frankenmuth Insurance is financially sound, with more than $1 billion in assets and an A.M. Best rating of “A” (Excellent).  

Zeeland Office

241 S. State St.

Zeeland, MI 49464

Phone: 616-772-3600

Fax: 616-772-3601

Toll-Free: 888-206-1029

Hamilton Office

3494 Hubbard St. P.O. Box 155

Hamilton, MI 49419

Phone: 269-751-5105

Fax: 269-751-7076

Toll-Free: 888-639-3746

Business Hours

Both Hamilton and Zeeland Locations

Monday-Friday: 8:30am to 5pm

Saturday-Sunday: Closed