Insurance-based retirement plans

Insurance-based retirement plans

Insurance-based retirement plans (IBRP) may be able to protect your family’s future through a death benefit while you save for retirement with the same product.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so do your life insurance needs. Care should be taken to ensure your strategies and products are suitable for your long-term life insurance needs. Weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing.

Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy.

Life insurance fees and charges associated with plans include costs of insurance that vary with such characteristics of the insured as sex, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Sending Kids to School with Food Allergies

Sending Kids to School with Food Allergies

When children have food allergies, parents do everything in their power to protect them from coming into contact with harmful food items. However, when kids are at school, teachers and administrators may not be as diligent when it comes to keeping dangerous foods away. Here are some things parents of children with food allergies can do to help protect them while they are at school.
Have good insurance. It is especially important to have good health insurance when kids are allergic to certain foods. The reality is that you can’t control the school’s environment, nor can you control what other people do. For instance, a child with a peanut allergy may be inadvertently exposed to peanut butter residue via another child’s lunch, or a table that hasn’t been properly sanitized. A trusted insurance agent can help you figure out the best type of coverage to meet your family’s needs.
Educate your child. Engaging your child in allergy management can empower her to protect herself. In addition, proper education will give your child the tools she needs to get help from her teachers and other school staff should she ever suffer an allergy attack.
Follow your gut. Most teachers and administrators are aware of the dangers of food allergies, so they have protocols in place to identify and protect children who suffer with them. However, if you are not completely comfortable with the safeguards the school has in place, speak out. Your child’s health is at stake.
The school environment is less controlled than a home environment; therefore, there is always the possibility of kids with allergies coming into contact with something they shouldn’t. By speaking up about inadequate policies and teaching children how to manage their allergies, parents can help protect them from allergy attacks. In addition, having No-Surprise insurance coverage you can trust will ensure your child gets the care they need should the unthinkable occur.


Concussions in Football: Heads Up!

Concussions in Football Heads UpWhile parents often joke about the hard-headedness of their children, it is an unfortunate fact that even the most stubborn kids are still vulnerable to concussions. With football season in full swing, it is particularly important for parents to keep a watchful eye out for the signs and symptoms of concussions. The proper, immediate response can not only prevent an aggravated injury, but can also save a life.

A concussion is a traumatic brain injury that occurs as a result of a bump to the head, or by rapid head/brain motion following a body blow. This abrupt movement can alter the brain, causing it to become even more vulnerable to injury. Concussions happen frequently in football and–unlike other sports injuries which can be felt or seen–are often overlooked. While there is no one indicator that a concussion has occurred, the condition can be assessed through several signs.

Athletes who experience one of more of these symptoms after a jolt to the body or head should be seen immediately by a medical professional:

  • headache or a feeling of pressure in the head
  • vomiting or nausea
  • dizziness or balance issues
  • blurred vision
  • sensitivity to noise and/or light
  • difficulty concentrating
  • confusion and/or grogginess

Parents should also keep an eye out for clumsy movements, changes in personality or behavior, or a dazed appearance. While symptoms typically arise immediately, they can also come on gradually. And unlike the popular misconception, most concussions aren’t accompanied by loss of consciousness. If your child is diagnosed with a concussion, it is critical that the brain is allowed adequate time to heal.

While we’d like to surround our kids in a protective layer of bubble wrap before sending them out into the world–or onto the playing field–it’s not possible. (Well it is, but we don’t advise it.) Instead, implement proper safety measures–such as encouraging “Heads Up” blocking and tackling techniques, as well ensuring that equipment is properly fitted–and enlist the services of your trusted insurance agent to help you practice “Heads Up” parenting by choosing the right No-Surprise Insurance.

A Guide For Treating Fever In Children


A Guide For Treating Fever In Children

With the school year starting again, many children are getting what pediatricians like to refer to as “back-to-school-itis.” This simply means that as children are in close proximity like this that they are sharing germs and other things that can lead to viruses. This is why it is helpful to know what to do to treat the fever.


Even if you are against medications they do have their time and place. If your child has a fever but is not acting sick, then you do not need to worry about this. Otherwise, it is best to alternate between acetaminophen and ibuprofen as this will help to keep the temperature down and can also help your child to feel more comfortable.

Natural Fever Reduction

Another way that you can bring down the fever is with a bath. You can start out with warm water and have your child stay in while the water cools. An added bonus with this is that you can make it a bedtime scented bubble bath to help your little one get the rest they need.

What to Feed Your Feverish Child

There is an old saying that talks about starving a fever and it makes you wonder whether this is the right option for a child. The truth is many children do not want to eat when they have a fever. If they do, then you want to give them something bland with plenty of fluids, such as chicken noodle soup. With this, you should also make sure your child is properly hydrated. Give them plenty of water or even Gatorade to help them build back the electrolytes they have lost from the fever.

See the Doctor

If the fever persists or it is accompanied by other alarming symptoms such as body aches or cough, take your child to see their doctor. This is one of the many reasons why you should have the right insurance plan. With No-Surprise insurance, you can be sure you and your child will be in good hands.

How to Lower Your Risk With Low Risk Insurance

Low Risk Insurance Lower Risk LifeThe flooding tide that took over many states in the U.S. has left many citizens with a Noah’s Ark complex. Well, at least it did for me! The wide spread water damage left many asking a pertinent question; does my insurance cover flood damage? There is an answer to that question – a good answer – yes! Provided you are covered by a Thom Polvogt insurance plan, that is!

This is good news to a lot of clients because, as important as insurance is, many people get jumpy just mentioning it. This reluctance to talk about and buy insurance is due to the lack of communication (and understanding of what coverage entails) between client and insurance agent. Another reason is the fine print – the part of the clause you didn’t see until the crises comes on you – when you realize your insurance company has fallen short. Thom Polvogt is the no-surprise insurance company. You get exactly what you are covered for!

Even though insurance is risky, it is an even riskier not to have any at all. Here are some tips on lowering risks to reduce your insurance cost.

Apply while you are young

Not everything gets better with age! As you get older the rates of your insurance increase. Try to get a plan before you turn thirty.

Put down that chocolate bar!

Insurance companies charge smokers and overweight persons a higher insurance rate. To cut costs, get in shape and lose weight!

Buy in part, not in whole

Term insurance is less costly than permanent life insurance, which can cost you up to 10 times the price; According to the Society of Actuaries. Check with your agent to see which option is best for you.