KSP Insider
INSURANCE NEWS TO YOUR E-MAIL    JULY 2011
In This Issue
Recipe Corner
Claims & Payments
Refer a Friend
Our New Producers
Meet our Employee
Life Insurance
Renters Insurance

Recipe Corner

Magic Cookie Bars

cookie bars 

Ingredients:

1/2 cup butter or margarine

1 1/2 cups graham cracker crumbs

1 (14-ounce) can Eagle Brand Sweetened Condensed Milk

1 (6-ounce) package of semi-sweet chocolate morsels

1 (3 1/2-ounce) can flaked coconut

1 cup chopped nuts

 

Directions:

Preheat oven to 350 degrees.  In 13x9-inch baking pan, melt butter.  Sprinkle crumbs over butter; pour sweetened condensed milk evenly over crumbs.  Top evenly with remaining ingredients; press down gently.  Bake 25 to 30 minutes or until lightly brown.  Cool thoroughly before cutting.  Store, loosely covered, at room temperature.

Claims & Payments

If you need to make a claim after our office is closed here are some numbers and websites for you to keep on hand. You can also make payments on these websites.

 

Auto-Owners Insurance

1-888-252-4626

Auto-Owners Insurance

 

Citizens Insurance 
1-800-628-0250

 Citizens Insurance

 

Frankenmuth

1-800-234-4433

Frankenmuth Mutual

 

Grange Insurance

1-800-445-3030

Grange Insurance

 

Michigan Insurance

1-800-255-7131

Michigan Insurance

 

Pioneer State Mutual

1-800-837-7674

Pioneer State Mutual

 

 Hastings Mutual

1-800-442-8277 

Hastings Mutual

Did you know? 
Did you know that KSP Insurance also offers life, health and commercial insurance? We can supply you with insurance for all aspects of your life. No matter how big or small your business is, or insurance needs are, we can help. Please visit our website to request a quote, or contact your agent.
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Quote of the Day

The most precious gift we can offer anyone is our attention. ~Thich Nhat Hanh

 

Refer A Friend

  

Did you know that if you are a current client we have a referral program for you? If you refer a friend or family member to us for a home and/or auto quote and they mention your name plus the 'referral program', we will send you a $10 gift card! They must mention the referral program to us.

 


Greetings!

Welcome to KSP Insider where you can find tips and information related to the insurance industry.  We hope that you enjoy the information that we share with you. If you have any comments or suggestions, please visit our website at www.kspinsurance.com.  We look forward to hearing from you and thank you for being a valued client.

 

Our New Producers

Dave Sajdak & Rob Sawyer

KSP Insurance would like to introduce you to our new producers Dave Sajdak and Rob Sawyer.  Please join us in welcoming them to our KSP Family.  Stop by our Wyandotte office anytime to meet them and discuss your insurance needs.  

 

dave rob 

                    Dave Sajdak                     Rob Sawyer   

    Meet our Employee

      Valerie Gajewski-Biro 

valerie  
Name:Valerie Gajewski-Biro

What is your position at KSP Insurance and how long have you been here?

I am a personal account executive at the Wyandotte office and have been at KSP 22 1/2 years.

How did you get started in the insurance business?
I started with Kelly Services at Citizens Insurance Company's claim office.  KSP Insurance then called me for an interview and I started as the receptionist part-time. 

What do you find most rewarding about your job?

I find most rewarding helping customers protect their assets and building a rapport with them.

If you couldn't be in the insurance industry what would you do?

I would care for children and animals and also bake for people.

What is your most memorable moment?

My most memorable moment would be passing my state licensing exams that are required to sell insurance.
What is something you would tell someone just starting in the insurance industry (a word of advice)?

I would tell someone just starting out to keep learning.  There is  a lot to know and things are constantly changing.
What is your favorite food?

My favorite food would be seafood and anything chocolate of course!
What are your hobbies?
I love to spend time with my family. I love the ocean and having fun in the sun.  I also love baking.

If you could have a super hero power, what power would it be and why?

I would want the power to make everyone happy and healthy. 

    The Right Time To Buy Is...Now!
life insurance  

You know you have a need for life insurance and you've thought about buying it someday.  You just haven't done it yet.  So, what are you waiting for?

 

     Life is uncertain.  If something happened and your family had to go on without you, life insurance would make sure they'd be OK financially.  By waiting to purchase life insurance, you're taking a risk that your family could struggle financially in the event of your death.  That's not a gamble you have to make.  Please consider buying now to protect what matters most:  your loved ones.

 

     Aside from the risk that life insurance may not be there when you need it, there are other costs associated with waiting to buy.  Life insurance premiums are based primarily on your age and the assumption that you are in good health.  As you age, your rate increases.  An individual can expect to pay $5,000 to $10,000 more when purchasing a whole life policy with premier rates at age 40 than he or she would at age 35.  In addition, if a person's health deteriorates over time, he or she may become ineligible for life insurance or incur very high costs to purchase protection. 

 

     Take the opportunity to purchase life insurance now to minimize expenses and avoid the possible consequences of waiting to buy.  Please contact us today to discuss your needs and get life insurance in place.  The time is right!

     Why Do I Need Renters Insurance?
renters insurance  

    Renters insurance is one of the last things most people think about when they move into an apartment.  Most renters do not realize that if there is a problem where they live, they are not covered by the landlord's insurance.  Fire, lightning, theft, roof and plumbing leaks can all damage your personal property, thus the need for renters insurance.

 

     In addition, most renters insurance policies also provide coverage for additional living expenses and liability.  Additional living expense will cover your living expenses in another location if your home or apartment becomes unlivable following a loss.  Liability coverage provides bodily injury and property damage protection in the event you are liable for damage you cause to someone else's property or for injuries to others while they are on your premise.

 

Some common misperceptions about renters insurance include:

 

·         Renters insurance is too expensive.  For the price you would pay to see a movie a week, you can purchase a renters policy.

·         I don't have many valuables.  A renters policy can cover everything from your clothing to electronics and household appliances.  These things really add up if you had to replace all of your belongings following a fire.

 

     A renters insurance policy may also qualify you for a discount on your automobile policy.  Stop by or call our office today to ask us about the many benefits of purchasing a renters policy from KSP Insurance.