TXINS January E-News: Tips to Jumpstart Your Healthy Life, Know What You Own and What It’s Worth, Review Your Policy Before You Renew, Agency Happenings, and More!

Getting Healthy in 2015:
Tips to Jumpstart Your Healthy Life

With each New Year, many people make goals to live healthier in all aspects of their life. But healthy living can be a complicated goal to achieve. There are many different facets to tackle, from weight management to mental health. You can find an overwhelming amount of information on the internet, self-help guides, gyms, schools, and doctor’s offices. Here’s a list of the ten tips to living a healthy lifestyle that are widely accepted by many sources as “easy wins” for everybody.

1. Exercise
The benefits of exercise reach far beyond the physical. Research shows that getting at least 20 minutes of exercise a day can help your mental well-being, your stress levels, and even lengthen your life. Unfortunately, less than 21% of adults get the recommended amount of exercise. Even low-impact exercise, such as walking or dancing can be beneficial.

2. Nutrition
Try to make some easy-to-accomplish goals, and enlist a friend or partner to keep you accountable. It’s also a good idea to start a food journal so you can see if there are any common times of day that you crave sweets, or times that you’re eating when you don’t need to. If you keep track of your eating habits, you may be able to change them for the better.

3. Get Control of Your Finances
According to a recent Associated Press-AOL Health poll, people who say they suffer from high stress due to debt were much more likely to suffer from health problems than those who weren’t dealing with money troubles. Most studies in this field show that low incomes are linked to poor health, high levels of debt, and increased stress. Studies also show that debt can increase the chances of ulcers, digestive tract problems, and migraines.

To start tackling debt, create a budget for yourself and your family, and set reasonable spending limits. There are many free tools available online to help you reach your financial goals.

4. Break Bad Habits
Whether it’s smoking, nail-biting, or binge drinking, bad habits can have unintended consequences. It’s important to face the bad habit head on, and focus your efforts into defeating it. Surround yourself with people who either do not engage in that habit, or have conquered it. You may need to enlist the help of health professionals, from counselors to physicians, but with some help, you can break out of a bad pattern.

5. Carve out Time for Friends and Family
Hanging out with friends is fun, and researchers have discovered that socializing with close friends can cut your risk for memory loss in half. The study also revealed that spending time with friends can increase your chances of staying mobile and being able to cope with life’s challenges by up to 150%. A study from Blisstree.com reported that 36% of people say their nutrition is affected by their friends and family, and 46% said that loved ones make a difference in their lifestyles. It’s increasingly apparent that being a social butterfly can keep you mentally, emotionally, and physically happy.

6. Sleep
Sleeping is your body’s way of healing itself, regenerating cells, and releasing helpful hormones. A study conducted in 2005 found that adults who slept less than seven hours a night were significantly more likely to be overweight. Another study at Harvard linked a lack of sleep to increased risks of colon cancer, breast cancer, heart disease and diabetes. Individuals 3-18 should get ten hours of sleep. 19-55 year old should get 8 hours of sleep, and those 65 and over should get at least 6 hours of sleep a night.

7. Employment
While a job may give you self-esteem, sticking with a job you hate can negatively impact your health. A study published in the Human Relations Journal claimed that individuals who stayed at their jobs out of necessity or obligation had an increased instance of stress, exhaustion, and burnout. A European study also found that individuals that worked over ten hours a day had a 60% chance of heart-related problems vs. those that worked eight hours a day.

8. Physical Health
While men and women age differently, it’s important to keep up with your doctor for regular check-ups. Getting examined by your doctor regularly is the primary way to detect the early signs of cancer, along with other illnesses such as high blood pressure, diabetes, or bone diseases like osteoporosis.

9. Mental Health
Mental disorders are the primary diagnosis in hospital visits over 63 million times per year. According to the Substance Abuse and Mental Health Services Administration, mental illness affects 1 in 5 Americans. With mental illness so prevalent in society, it’s important to keep symptoms and signs in mind, and be open an honest with others if you believe you may be suffering from a mental illness.

10. Lend a Hand
Schedule some time dedicated to serving others. Researchers at the London School of Economics examined the connection between volunteering and degrees of happiness in a large group of American adults. The study showed that the more people volunteered, the happier they were. Compared with people who never volunteered, the odds of being “very happy” rose 7% among individuals who volunteered monthly and 12% for people who volunteered every 2-4 weeks. Among weekly volunteers, 16% felt very happy.
 

We Are Here for You 

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority. That’s a promise.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. We look forward to hearing from you soon.

Meet the TXINS Team
Dina Vajdos
To say that Dina Vajdos is a ray of sunshine is an understatement. Dina always has a smile on her face and is known to be a bit of a practical jokester. She works as the Accounting Manager and helps keep the TXINS finances straight. Dina has been with TXINS since 2008 and her strong leadership is second to none. Texas Insurance & Financial Services is lucky to have Dina Vajdos on the team!

To learn more about Dina, please click here.

What’s Happening at TXINS?

The employees of TXINS are active members in our communities. Here’s a quick list of what we’ve been up to as well as what we have planned for the month.

  • Congratulations to our 2014 Referral Program Grand Prize Winner Carolyn Hill from Spring, TX. Carolyn won a $1,500 gift card for referring her friends and family members to TXINS.
  • Mr. Sorrel will be attending the annual American Honey Producer Association Tradeshow in Manhattan Beach, California on January 6-10. There will be lots of great information available on hand. Check out the AHPA website for more info.
  • Cassidy Bird and Bebo Bogan will be vendors at the American Beekeeping Federation Show in Anaheim, California on January 6-10. If you happen to be at the Disneyland Hotel on those dates, swing by Booth #602 and visit with the ladies about our exciting beekeeper insurance products. Visit the ABF website for more details.
  • On January 21 the Crop Department will attend the Western Rice Belt Production Conference in El Campo at the Civic Center. They hope to see you there!

From the TXINS family to yours, we wish you a Happy New Year
and all the best in 2015! .

Be Sure To Review Your Insurance Policy Before Renewal

Most general insurance policies run for 12 months. The renewal date for your insurance policy is based on the date you agreed with the insurer that the policy would take effect when you first signed up. This means renewal dates can fall on a weekend or public holiday.

Your insurer has to give you notice that your policy is going to expire. This is usually 14 days, but the renewal notice information will be listed in your Product Disclosure Statement (PDS). Under the terms of some policies, they will automatically renew unless you notify your insurer otherwise. This is another reason to read your PDS closely.

Your insurance policy might allow for certain changes during the term of the policy, but the renewal notice might prompt you to take another look at your insurance policy and decide if you want to make any changes.

When you are renewing your policy, it is important to check that all of the information you originally supplied to the insurer is correct. You must let your insurer know if anything has changed. For example, if you are renewing a motor vehicle insurance policy and you have since fitted special high-performance modifications to your car, you have a duty of disclosure, meaning you are obliged to tell your insurer about it.

You may also choose to examine the level of coverage, perhaps if you have recently purchased new furniture for your home or completed a renovation.

Before you renew your policy, check whether you need to change the level of coverage. Has the value of your possessions grown over the last year? Have you made any significant purchases during the year such as jewelry or electronics? It’s important to check to see if you need to list that item separately under the policy.

It’s important to remember not to focus on price alone when renewing or increasing coverage. Choose the policy that offers the best value. When comparing policies, it’s important to choose one that offers the inclusions and features that best meet your needs.

Talk openly and honestly with your TXINS agent to make sure you have the right coverage in place. We are here for you and together, will ensure you are protecting what matters most.

Did You Know?
– On January 4, 1790, President George Washington delivered the first State of the Union address.

– January is National Blood Donor Month. According to the American Red Cross, every 2 seconds, someone in the U.S. needs blood. That means more than 41,000 blood donations are needed every day. Donating blood is an easy way to give back to your community. To find a donation drive, click here.

– January 8 is Elvis Presley’s birthday. Are you a fan? What’s your favorite Elvis hit?

– On January 12, 1966 Batman made its television debut. It starred Adam West as Batman and Burt Ward as Robin.

– January 23 is National Pie Day! Whether you like fruit pies, cream pies, or meat pies, there is a pie for every person on this Earth! Check out these fun and yummy pie recipes and let us know how they turn out!

Know What You Own and What It’s Worth
Nearly two out of every three American homes are underinsured. Underinsured homeowners, on average, have only enough insurance to pay for 78 percent of costs to replace or rebuild their homes.Do you have an updated list of the current contents of your home? Knowing and documenting your personal property and its value allows for an easier claim filing process should something happen to your home.

 
 
 
Calculate the value of your assets to help you understand the insurance coverage that makes sense for all your belongings.
 
Save photos of your valuables to document your belongings and confirm that you have enough homeowners insurance in the event of a loss.
 
Collect all the information and save in one place in the event you need to file a claim.

We LOVE Referrals!

 
If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly $50 gift card drawing and our annual Grand Prize drawing for a $1,500 gift card!!!

(Grand Prize drawing will be held on December 3, 2015.)

What Our Clients Are Saying About Texas Insurance & Financial Services, Inc.:

I appreciate TXINS because when I call the office I always get a real person on the phone and they are very helpful. – Doris Owens, Rock Island

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