In this issue:

Whole Life Insurance – A Good Fit
Your Pets and Summer Travel
Your Eyes and the Foods You Eat
Don’t Stress When Moving Your Office
Service Apps for Savvy Seniors
Meet the Client

whole life insurance

Whole Life Insurance – A Good Fit

When it comes to life insurance, you want to get the policy that fits you best. That policy may be whole life insurance because of the stability and certainty. What do we mean by that? Well, once the whole life coverage policy has been issued, it’s there to stay. The only way to lose it is to either cancel it with non-payment or in cases of fraud.

Whole life insurance has some advantages over term life insurance. For instance, it doesn’t expire or lose value; part of the premium builds value that you can borrow against; the rate you pay initially will never increase; and it includes a guaranteed death benefit for your heirs.

Cost can be a determining factor though. Whole life insurance is more costly than term insurance for the same coverage. Again, it all boils down to what you need your financial profile to do. Whole life insurance has benefits that you can use while you are alive. You can borrow against it or use it to pay for future premiums. And there’s a tax advantage also. Any money you withdraw from your whole life policy is not taxable until you withdraw more than you have already paid in.

Or, you can use the cash value of your policy as collateral for loans. And, creditors can’t touch it. Sound interesting? Sit down with your life insurance agent and discuss your life plans and see what they suggest. Bottom line is that you want to protect the people you cherish when you die – both whole and term life insurance will do that.

pet travel insurance

Your Pets and Summer Travel

Our pets are important members of our family. We love them and want them to be with us all the time, even on vacation. But remember to plan ahead if you are going to take your pets with you while you travel. The Humane Society offers some great summer travel tips to help you with your travel plans.

Most importantly, decide if your pet will be better off if he or she travels with you or if he is better off in the comfort of home. Some pets get stressed travelling and the summer heat can make it even worse. It might be best to have a family member or friend take care of your pet at home until you return.  (And dare I remind you for flight travel, check with the airlines first as they are changing their pet policies daily.)

Regardless of whether your pet travels with you or remains at home, the Humane Society states that “a visible ID is life insurance for your pets.” They offer the following tagging information:

  • To avoid losing your pets, make sure that their ID tags and microchip information are current, and that their collar is secure. Remember, they can’t tell anybody who they belong to or where they live.
  • When traveling with your pet, attach temporary tags with contact information for your mobile phone, as well as a phone number for where you are staying.
  • Make sure the collar and tags cannot get tangled in the carrier mesh or door.

Other great information on our blog includes topics such as preparing for travel and taking your pet on a road trip.

healthy food choices

Your Eyes and the Foods You Eat

We all know that eating wisely helps with digestive issues and other internal organ operations. But have you focused on healthy eating for your eyes? Eating foods with eye health nutrients will make a big difference in helping ward off eye disorders when you age.

We found a great article by Michelle Schoffro Cook titled the Top 10 Foods to Eat for Healthy Eyes. Hopefully some or all of these are already on your menus!

  1. Apricots
  2. Blackberries
  3. Blueberries
  4. Broccoli
  5. Carrots
  6. Chia and Flax Seeds
  7. Grapefruit
  8. Green Tea
  9. Leafy Greens
  10. Nuts

Check out the article for details about each of the above foods and more information!

stress moving day

Don’t Stress When Moving Your Office

Whether your own business is expanding and needs more space, or your lease is up and it’s time to move to a new location, moving your office can be stressful. Just thinking about packing everything up at the last minute so that you don’t have too much “downtime” is enough to send your blood pressure soaring.

TechSling weblog posted an article with some common sense, but often overlooked in the mad rush of packing, things and some that you may not have thought of.

  • Make arrangements for your Internet and phone lines to be up and running before you move. Consider hiring an IT moving service if you have servers.
  • Back up everything before you disconnect your computers (especially the server) for the move. This is especially important if you store customer data because of the new General Data Protection Regulations (GDPR) that just went into effect on May 25 requiring companies to adhere to strict data protection requirements.
  • Sit down with your staff and plan the layout of your new office. Take measurements and allow for collaborative areas to enhance your company culture.
  • Establish a chain of command to minimize loss and disruption. Moving often ends up with items missing. Choose an employee to take charge of tracking all items during the move.

Follow these easy tips and you’ll find that you’re unpacked and back in business in a snap!

seniors dating app 

Service Apps for Savvy Seniors

You don’t have to remind any of us baby boomers that the number of seniors is growing every year. And for those of you who are younger, you may be in the “Sandwich Generation” caring for both your parents and children. Regardless of the situation, it’s a fact that today’s seniors are becoming tech savvy.

Here are some helpful apps from an article in

Medisafe A pill reminder app that keeps track of medications and allows family members to view. (Free)

OurTime Yes, it’s a subscription social app for Seniors. They can browse potential romantic possibilities and message persons of interest. ($12 for six months)

GoGoGrandparent No need to boot up Lyft every time you need a ride. Simply call the number and press 1 for a pickup at home. (19 cents per minute)

Magnifier Activate the magnifying glass on a newer iPhone and triple-tap the home button to make everything bigger and easier to read. (Free)

Silvernest Monitize empty bedrooms in your house. You screen potential housemates using the app that is targeted to empty nesters. ($30 for 90 days)

Meet The Client

Lucia Anello, Personal lines client (Home with Citizens & Flood)

Lucia has been an ARCW client since 2010 and has a heartwarming idea why she loves doing business with the ARCW team.

Q: What is the one thing that you cherish that is insured?
A: My mother’s furniture – especially one piece in particular.  A handmade organ from our home country – Italy.  It’s a family heirloom I look forward to passing down to my own daughter.

Q: You’ve been an ARCW client since 2010.  Why do you stay?
A: That’s an easy answer!  Because of Brandon, my service rep.  The world is changing so fast and it’s becoming more and more difficult to find a human voice.  Brandon takes the time to listen to what I’m saying and helps me.  That’s very rare today.  You can tell it’s not just a job to him, that he really cares about the person on the other end of the line.  When we travel, which is a lot, we know that everything is in order and we don’t have to worry about any of our policies.

client testimonial letter