Spring it Forward
Spring is here! The weather has been so nice, and we are officially a year away from the wedding bells in our family. This spring, we celebrate Auntie Des's 60th birthday, gearing up for baseball season and Easter, and continue with the wedding planning. We hope you are enjoying your extra hour of daylight. Since finishing nursing school and applying for jobs, I have worked part-time at the family agency. The phones do not stop ringing, but there are a few things I have noticed are important, but many new homeowners or young adults like me wouldn't think about: the importance of life insurance, asking for any possible discounts, and making sure to keep reminders in your calendar for upcoming payments!
Enjoy the read, kindly,
Amanda Kiki Domingo
What Life Insurance is Best for Myself & My Family?
Life insurance comes in two main categories: Term Life and Permanent Life (including Whole Life and Universal Life). Each serves different financial needs and life stages.
Term Life Insurance
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Covers a specific period (e.g., 10, 20, or 30 years).
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More affordable, especially for young professionals and business owners with temporary financial needs.
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No cash value—only pays a death benefit if the insured dies within the term.
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Premiums increase after the initial term and can become costly over time.
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Best for covering temporary financial obligations like mortgages, student loans, or business loans.
Permanent Life Insurance
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Provides lifelong coverage as long as premiums are paid.
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Builds cash value, which can be accessed for financial needs.
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Can be structured for estate planning, business succession, or wealth transfer.
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Types include:
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Whole Life: Fixed premiums, guaranteed death benefit, and steady cash value growth.
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Universal Life: More flexible with premium payments and death benefit options.
Who Should Consider Each Type?
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Young Professionals: Term life is more affordable, but permanent life offers cash value benefits.
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Business Owners: Term life can cover short-term risks; permanent life supports long-term planning.
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Pre-Retirees: Permanent life policies can provide living benefits, such as early access to funds.
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Retirees: Can use permanent life insurance for estate planning or as a financial legacy for heirs.
Choosing the right policy depends on financial goals, budget, and long-term needs. Click the link below to get a free quote today and to talk to an agent about all your questions!
Agency Reviews
Many of our referrals for new business, have been from people like you, our clients, family, and friends. We are so grateful for your kind reviews. We are blessed to have an agency that treats customers like family providing an open door policy and we pride our agency on transparency. If you are a client of ours and would love to share your positive experience, please follow the link(s) below and provide our agency with a Google Review, Facebook Like, or Yelp Review. We appreciate your friendship and business.
Farmers Offers & Discounts
We understand that insurance can be expensive. Our agency is here to help get you the most amount of savings as possible. Often, clients call our agency looking for quotes and have no idea that some of these discounts even exist. Some of our discounts include:
- Bundling & Save
- Car Insurance Discounts
- Home Insurance Discounts
- Renters Insurance Discounts
- Condo Insurance Discounts
- Motorcycle Insurance Discounts
Feel free to click the link below for more information regarding discounts that are offered. If you have further questions, feel free to reach out to our agency at (866) 486-3276.
Workout of the Month
Suns out, guns out!
Now that it is spring time and the weather is nicer, it is the perfect time to get outside!
This month's workout is intervals - outside or on the tread whatever feels best for you. This is what I love to add the end of a workout or after an incline walk. All you need is 10 minutes and some grit.
Sprint Intervals: Set your timer for 10 minutes.
30 seconds ON, 30 seconds OFF/Walk.
Repeat intervals 10x through. Only 10 minutes long, means no excuse not to get it in!
Recipe of the Month - 4 Ingredient PROTEIN Bagels
Packed with 16 grams of protein and only 200 calories, these are the easiest bagels to make in the comfort of your own home. 4 ingredients and bake for 30 minutes and will leave your kitchen smelling like Einstein Bagels.
Ingredients for Bagels:
- 4 c flour
- 3 c greek yogurt
- 2 tsp baking soda
- 1 tsp salt
Ingredients for Egg Wash:
- 1 egg
- 1 tsp cold water
Directions:
- Add all dry ingredients to bowl.
- Fold in greek yogurt.
- Knead until dough like consistency.
- Divide into 8 equal parts and create bagel shape.
- Add onto pan lined with parchment paper.
- Bake for 30-35 minutes at 350 F.
Toppings: Sprinkle on top after coating bagels with egg wash!
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| Cinnamon & Sugar Bagel |
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Everything Bagel
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