Vermost Insurance Agency - November 2021

Vermost Insurance Agency - November 2021

Protection Team News

LOOKING FORWARD TO THE HOLIDAYS … ALONG WITH SPORTS AND INSURANCE CHANGES

VOL 13, ISSUE 10

By the time you are reading this article, we will be out of the prime-time hurricane season, and hopefully, we, the state of Florida, will have escaped the season without any more direct hits. Yes, a couple of storms came ashore, but nothing like Hurricane Ida did to Louisiana or what we had in previous years. Hopefully, this will help the insurance market and the pricing issues we have ALL been experiencing. By no means does it imply that we won’t see more insurance companies going bankrupt or future price increases, but it sure helps. The continued wildfires in California and the hurricane in Louisiana will contribute to insurance losses for 2021. Without a major hit in Florida, any increases will hopefully be small. Speaking of increases, I’m sure you have seen the news reports on the flood insurance rate changes. I mentioned it a couple months ago. Well, the time has come for its release. For new policies, the rates are higher for about 60% of the properties, while the other 40% went down or stayed the same. The impact for renewals won’t be felt until next year, when those rates start on April 1, 2022. No, it’s not an April Fools’ Day joke! We don’t yet know what the impact will be as the software for renewals hasn’t been released. I can say that the rates will look at each individual property and no longer just use the Flood Zone to determine the premium. It’ll be an interesting time. Is this not the best time of the year for sports? We have the Rays winning the American League East Division again and, maybe this year, they'll go all the way to win the World Series. The Buccaneers are in their regular season and hoping to repeat as Super Bowl Champs. The

Looking Forward to the Holidays Page 1 Football and Thanksgiving: A Match Made in Marketing Heaven Page 2 Which Policy Is Best for You? Page 2 Did You Know ... Page 2 Lowering Holiday Stress Page 3 Check Out Our Referral Program! Page 4 Wacky November Holidays Page 5

Darren visiting the College Football Hall of Fame!

Tampa Bay Lightning is back on the ice, also trying to three-peat as Stanley Cup Champs. I don’t know about you, but my TV remote is getting one heck of a workout — we even had to order a new one. Oh, and I better not forget college football, either ... It’s a great time of year for sports fans like me. As I close this month up, I want to say thank you and wish each of you a happy Thanksgiving. We have so much to be thankful for this year, especially with the COVID-19 pandemic we ALL have had to deal with over the last 18 months. Please take a moment while you are with your families this year and remember those whom we lost due to this terrible virus. They will all be missed. Until next month, –Darren

Word Search Page 5

Baked Cornbread and Chorizo Stuffing Page 5 October Referrals and Puzzle Winner! Page 6

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Toll free (800) 828-2226 Fax (727) 577-4991

www.vermost.com [email protected]

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WHICH POLICY IS BEST FOR YOU? Gaining a firm understanding of life insurance can help you map out and plan for your family’s long-term needs. Life insurance can cover burial costs, uninsured medical bills, outstanding debts, and mortgage expenses. It provides your family with access to money when they need it to help them maintain a comfortable standard of living. Depending on your needs, there are a few different options when it comes to life insurance: term life insurance, whole life insurance, and universal life insurance. Term Life Insurance This type of insurance offers coverage for a specific period of time, usually 5–20 years. It’s a cost-effective way to provide maximum coverage for your family, but the coverage expires at the end of the term, and a death benefit is only paid if you pass away during that term. If you discontinue your premium payments, the coverage ceases. Whole Life Insurance As long as you are continuing to pay the premiums, the whole life insurance does not expire. The premiums are determined

FOOTBALL AND THANKSGIVING: A MATCH MADE IN MARKETING HEAVEN Last year, 30.3 million people tuned in to watch the NFL’s Thanksgiving showdown between the Washington Football Team and the Dallas Cowboys. For those Americans (and probably for you if you’re reading this article), football is as essential to Thanksgiving as turkey and stuffing — but why? As it turns out, there are two answers to that question. The first is that games have been played on the holiday for almost as long as it has officially existed. Thanksgiving became a holiday in 1863, and just six years later, the third American football game in history was played on it. According to SB Nation, the Young America Cricket Club and the Germantown Cricket Club faced off in that inaugural Thanksgiving game in Philadelphia, and football has been played on Thanksgiving pretty much ever since! When the NFL was founded in 1920, the Thanksgiving game was official from the get-go. The second reason we watch football on Thanksgiving is more about money than tradition. In 1934, a Detroit Lions coach, George A. Richards, decided that in order to attract more fans, his team would make a point to always play on Thanksgiving when most people were off work. To sweeten the pot, he committed his radio station (an affiliate of the NBC Blue Network) to broadcasting the Thanksgiving game live on 94 different stations across America. This idea was a hit from day one! According to Sporting News, the long-unloved Lions “not only sold out the stadium, they also had to turn people away at the gates.” In 1966, the Dallas Cowboys signed on to play every Thanksgiving, too, for similar publicity reasons. Since those early days, football-themed traditions have flourished in American families. Apart from watching games on TV, one of the most popular is organizing a pre-turkey game of family touch football a la the sitcom

Vermost Insurance NOW has a relationship with Chuck Chucri, who offers Financial

"Friends." (Its famed episode “The One With the Football” aired Nov. 21, 1996.) If you’ve never organized a game, this could be your year! To get started, Google “Scott’s Family-Friendly Touch Football” and click the first link.

Planning & Investment

Did You Know ...

Advisory Services.

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

when the policy is issued and remain the same throughout the life of the policy. Whole life insurance, unlike term insurance, combines savings or cash value with insurance protection, and it accrues over time. You can even borrow from the cash value, but withdrawals and loans could potentially generate an income tax liability. Universal Life Insurance Similar to whole life insurance, universal life insurance does not expire as long as you continue to pay the premiums and have a cash value option. This option provides tons of flexibility as the premium and death benefit are adjustable. This means that the cash value must be enough to cover monthly charges if the policyholder pays a lower premium than the selected premium. Keep in mind that the more you pay, the shorter the time period you have to pay. To select the life insurance policy best suited for you and your needs, contact us today! We are here to help!

Have a Low-Stress Holiday

3 Tips for a Merrier Time The holidays are right around the corner, and while many people can’t wait to eat turkey and swap presents, others only see stress on the horizon. Especially for those hosting parties, between decorations, big dinners, excited kids, and visiting family, it can all feel overwhelming. If celebrations are happening at your house this year, here are three tips to lessen the strain and keep up the holiday cheer. Recharge First Ensure you’re rested and recharged before the holidays by taking time to relax, getting enough sleep, and engaging in activities that make you feel good. When you’re rushing to get everything done, it can be tempting to skip self-care routines, but that will cost you in the long run. Your daily exercise and other health activities keep you balanced and ready to face challenges head-on. Get Started Early Holidays always arrive faster than we expect, so begin preparing early. If shopping for presents is a pain point, don’t wait until the last minute. Decorate earlier than you need to — or better yet, get the kids to do it for you. There’s only so much cooking you can do ahead of time, but ensuring you have all of the equipment and nonperishable ingredients you need a few weeks in advance will reduce both your workload and anxiety. Don’t Expect Perfection The sooner you let go of the idea of a “perfect” holiday, the sooner you’ll be able to have a happy one. Face it: Something will go wrong. Whether it’s an overcooked dish, a child throwing a temper tantrum, or your uncle talking politics at the dinner table, nothing will ever go just how you planned. So, embrace the imperfections. Whether you’re celebrating this year with a group of two or 20, holidays can be a stressful time — but they don’t have to be. With these tips, your festivities may not be picture-perfect, but they will be a lot of fun.

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Planner The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1-800-778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.

1007626-00005-00

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

2021

INSPIRING HAPPINESS!

2020 REFERRAL WINNER!

We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.

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1200 Belcher Rd. S., Suite 1 Phone: (727) 748-2886 1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886 Largo, FL 33771-3315

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Wacky November Holidays

• Nov. 1 — National Cook for Your Pets Day • Nov. 1 — National Men Make Dinner Day • Nov. 2 — National Deviled Egg Day • Nov. 3 — National Sandwich Day • Nov. 4 — National Chicken Lady Day • Nov. 5 — National Love

Your Red Hair Day • Nov. 6 — National Nachos Day • Nov. 8 — National Cappuccino Day • Nov. 10 — National Vanilla Cupcake Day • Nov. 11 — National Sundae Day • Nov. 12 — National Pizza With the Works (Except

Anchovies) Day • Nov. 14 — National Family PJ Day • Nov. 15 — National Clean Out Your Fridge Day • Nov. 16 — National Fast Food Day • Nov. 19 — National Play Monopoly Day • Nov. 21 — National Gingerbread Cookie Day

• Nov. 23 — National Eat a Cranberry Day • Nov. 25 — National Play DayWith Dad • Nov. 28 — National French Toast Day • Nov. 30 — National Personal Space Day

WORD SEARCH

BAKED CORNBREAD AND CHORIZO STUFFING

Inspired by FoodNetwork.com

Ingredients

• 1 lb Mexican chorizo • 1 white onion, chopped • 1 carrot, chopped • 1 celery rib, chopped • 3 garlic cloves, chopped • 2 cups premade cornbread, crumbled

• 1/4 cup cilantro, chopped

• 1/2 cup chicken stock • 1 tbsp unsalted butter, for greasing • Cilantro, for garnish • Cotija cheese, for garnish

Directions 1. Preheat oven to 350° F.

Cider Cornucopia Feast Gales Gathering Pies

Pilgrims Scorpio Stuffing Thankful Tradition Veterans

2. In a large skillet over medium heat, cook the chorizo for 5 minutes. Add the onion, carrot, celery, and garlic. Cook for 10 additional minutes. Stir in the cornbread and cilantro. 3. While stirring, slowly add the chicken stock. Stir until absorbed. 4. Butter a small casserole dish, then add the stuffing in an even layer. Bake for 20 minutes, garnish as desired, and serve!

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886

INSIDE THIS ISSUE

You Make Us Happy

We insure more than just cars and homes. Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing! We hope our referral programmakes you happy, too! People who referred clients to us in October:

› Antique vehicles › Annuities › Auto›› › Boat/RV › Bonds › Builders' risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Lesley Brown Martin Turner Brian Jernigan Mark Lischalk Ryan Lolkus Susan Leff Louise Marden-Hoffman Curtis Bergakker Darby Jones Professional Fiduciary

Rod Barnes Shine Shirley Goddard Irene Gubelius DonnyMills Tony Ho James Breedlove 7th Hand Larry Boothe Christina Rankin

October Puzzle Winner: Nancy Counselor September Referral Winner: Brian Jernigan

› Umbrella › Workers'

Compensation

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886