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The Advisor,

a publication of Allen Insurance Group

 

 

February/March 2012 
 
 
Another Great Renewal 
    New Year   BC New Logo
As many of you may know, Allen Insurance Group has been the Broker for the Benefits Connection since 1980.  This is an association of 500+ businesses that pool their experience for competitive medical, dental, life and disability plans.
 
Our average medical increase over the past 10 years has been 6.9% and for our April 1st 2012 renewal it is 5%.
 
If you have not checked out our plans, now is the time.  Click on the link below to get a quote for your business's employee benefits.
 

Ready for Retirement?

  

 Principal Financial Group

YOU'RE NEARING RETIREMENT - do you know if you're nearing your goals? Let The ABCs of Retiring online seminar help you find out.

As retirement nears, it becomes increasingly important to: 

  • Determine how much you need to save. One suggestion is that you may need to bring in 85 percent of your pre-retirement income each year to maintain your current standard of living while in retirement.* You may need more or less than 85 percent, depending on your personal situation and adjusted over time for inflation and other factors. Now's the time to find out.
  • Save more, if you find your current savings are falling short.
  • Work toward turning savings into income in retirement.

The ABCs of Retiring online seminar features an ABC approach to help you:
     A. Assess your current situation
     B. Balance decisions to help reach your goals
     C. Consider Choices to help along the way

Detailed examples can give you a better understanding of Social Security, budgeting and retirement income strategies.

Take 30 minutes now to review these important concepts. By planning today, you can help yourself be better prepared for tomorrow. 

* Aon Consulting 2008 Replacement Ratio Study. Assuming pre-retirement annual gross income of $40,000. 

 



 

     

 

 Click here to view The ABCs of Retiring online seminar. Within the presentation, click the Attachments tab to find a printable workbook. 

 

 

Did You Know?

RingJewelry has a limited amount of coverage on your homeowners policy unless it is scheduled.  When you schedule your jewelry, coverage is enhanced to include lost stones, mysterious disappearance and is covered for the purchase or appraised value. 

Wellness Corner

                               

                               Apple Jumping Rope 

 

The average daily steps taken is only 3,000. 

Privacy Notice

This notice will also serve as your annual Privacy Notice that we are required to send each year by Federal regulation. The notice is available on our website at www.alleninsurance.com or you may call our office 

302-654-8823 to request one be mailed to you. 

                                                                  Read Our Privacy Notice 

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   410 Delaware Ave  Wilmington, DE 19801

 

302-654-8823 

allen@alleninsurance.com 

www.AllenInsurance.com

House
Homeowners Rates

Homeowners insurance rates are on the rise this year, largely driven by losses from significant catastrophes in the U.S. over the past few years, independent insurance agents and an industry expert say.

 

Pricing is expected to climb 4.5% to 5% on average nationwide, but vary by location.

2011 was a record-breaking year for natural disasters in the U.S.

 

What can you do?

 

1) Raise the policy    
     deductible.

 

2) Verify the
     amount of    
     coverage and
     riders.

 

3) Package your
     auto with your
     homeowners and
     appreciate a
     discount on both
     policies from 7 to
     15%.

 

4) Ask us to shop
     your policy for
     the best price
     and coverage. 

 

 

 Click here for quick quote request form.


 

 

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This email was sent to onealb@alleninsurance.com by allen@alleninsurance.com |  
Allen Insurance Group | 410 Delaware Avenue | Wilmington | DE | 19801