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THE WINNER OF OUR $100 ROADSIDE EMERGENCY KIT IS...
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Pictured here choosing the winning entry is Aarim Shoemaker, one of our valued clients, along with Nancy Piper, our Cross Receptionist.
Congratulations to Cheryl Bean of Moultonboro (below,) the winner of our $100 Emergency Roadside Kit!
L to R: Cheryl Bean, our drawing winner, and Jan Plummer presenting the roadside kit to her.
And, as we like to change things up now and then, our next Cross Drawing will be for a $100 PICNIC BASKET SET, including a set of four plates, silverware, tablecloth and matching napkins, wine glasses and more!
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BEST WISHES TO
HEATHER TOTO!
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Please join us in extending best wishes to Heather Toto, our Personal Account Manager, who is expecting a baby boy at the end of April!
A great time was had by all last Wednesday, when our Cross office enjoyed showering Heather with gifts and delicious treats.
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LIFE INSURERS TESTING FOR DEMENTIA
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More and more senior citizens and those nearing retirement are buying Life insurance these days. Many of these people are worried that their spouse will run out of money if they die; while others hope to make up for losses suffered in the stock market decline.
An increasing number of Life insurers require testing the cognitive abilities of older applicants, in addition to taking a physical exam. Some companies make it standard practice to test applicants 60 years or older, while others begin testing at age 70 or 80.
Learn more about the reasons for this testing here, along with the associated study findings by the Alzheimer's Association.(Please scroll down.)
This focus on cognitive impairment among senior applicants offers one more reason for consumers to buy Life insurance when they're young, in good health, and can benefit from lower rates.
Call us today so that we can assist you with answering any of your questions pertaining to Life Insurance protection for you or your family members.
603-476-5511
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PROPOSED INDIVIDUAL MANDATE RULES, STATE PLANS FOR INSURANCE EXCHANGES, AND MORE...
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(603) 476-5511
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PROTECT YOURSELF, SAVE, AND BE WELL
With Our April Personal, Commercial and Health Resources!
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QUOTE OF THE MONTH!
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"It's what you learn after you
know it all that counts."
~Harry Truman
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CROSS INSURANCE
RESOURCE LIBRARY
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If you didn't get a chance to look
at and/or save a copy of our
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Spring greetings!
Benjamin Franklin once said, "An investment in knowledge pays the best interest." He could have also added one more thing, and that is, "You don't know what you don't know!"
We are all aware of what we already know, but we can't possibly be proficient, let alone experts at everything. As our Cross team of licensed agents continually pursues professional education and certifications, you can rest assured that they will provide you with expert advice and policy reviews that keep you fully informed about all of your protection needs, including those needs that you may not know about. With this in mind, our Cross Insurance team of professionals has recommended the following valuable articles for your consideration, here in our April newsletter. Several of these resources are time-sensitive, and also provide insight into the unique concerns that you or your business might face. We want to make sure that there aren't any gaps in your Personal, Health, Life or Business coverage. For this reason, we encourage you to take these few minutes to "invest in your own knowledge," to ensure that you are protecting the people and the assets that are most important to you. Then, give us a call today with any of your questions. Our trusted advisors look forward to helping you!
Very best regards, Peter
Peter Hall Branch Manager phall@crossagency.com
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GREATER FLOOD RISKS
ARE PREDICTED FOR THIS SPRING!
The next three months are expected to be a mix of
flooding, drought and warm temperatures nationwide.
 If you are a homeowner, renter or business owner, please be aware that your standard insurance policies do not protect you against damage from flooding. Flooding is expected to be worse this spring compared to last year, according to the National Oceanic and Atmospheric Administration. With a 30-day waiting period for flood policies to take effect, a FEMA official says that now is the time for individuals and businesses to review their insurance coverage.
Flood coverage begins as low as $129 per year for
a preferred risk homeowners policy and $162 for
qualified business owners.
The winter rainy months bring all kinds of wet and snowy weather, and they also bring conditions such as heavy rains, ice jams and rapid snow melt followed by the spring thaw that can increase your flood risk. Flood insurance will help you financially protect your property from these weather events.
Flooding can happen anywhere, but certain areas are especially prone to serious flooding. Learn more about your own flood risk in this helpful article: Think You Don't Need Flood Insurance? Think Again!
And, after getting flood insurance, please be aware that there are several things you can do in order to minimize the losses in your home and ensure your family's safety. Call our Cross office today to make sure that there are no coverage gaps with your Homeowners or your Business protection and flood coverage! You'll be glad you did! 603-476-5511
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WE HEARD WHAT YOU SAID!
 At Cross Insurance, we don't merely promise that we'll be there for all of your personal and commercial protection needs. Our pledge is to be consistent in every area of service, including that of building relationships with you that are based on trust.
This trust was also extended to our greater Moultonboro community recently, when our office made a donation toward a new scoreboard for the Moultonborough Central School. Our Commercial Lines Account Executive, Red Tetrault, was invited to attend the unveiling of the scoreboard last Friday morning, when our Cross Insurance office was recognized, followed up with a kind letter of appreciation from the Moultonborough Recreation Department Advisory Board.
And, because yours is the only opinion that matters, we also would like to pass along and share your words with others...so they know what to expect from us too! Our goal is that you are 110% satisfied with your experience with our agency. If our client care, pricing or claim service has been satisfactory to you, we would like to share this mutual benefit with any potential or existing clients. Please take a minute to jot down some thoughts on our Testimonial Request Form on how our agency has helped you, saved you money or made your life a little better at any time. This will also improve our service to you, our valued client, in the future.
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AUTO LIABILITY INSURANCE:
HOW MUCH IS ENOUGH?
 Have you ever wondered about the three numbers that are part of your Auto Liability insurance, usually written in this form: XX/YY/ZZ?
The first number refers to the maximum amount of Bodily Injury Liability (BI) for an individual injured in an auto accident; the second is BI per coverage per accident; while the third covers Property Damage Liability (PD) per vehicle. For example a policy with 250/500/100 Liability coverage would pay up to $250,000 in BI per individual, $500,000 worth of BI per vehicle, and $100,000 in PD per vehicle.
For a complimentary review of your policy, call or email Gail Dascoulias, or any of our other Personal Lines Account Managers today!
603-476-5511
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WOULD YOU LIKE TO RECEIVE
A $10 GAS CARD
FOR SPRING TRAVEL?
Will you be our next Person of the Month? Did you know that you can receive a $10 GAS CARD when you recommend a friend or family member to us, and we provide them with one of our services?
This includes referrals for any of our Cross personal or commercial services. We are grateful to all of our clients who graciously refer their family, friends and associates to our agency. We build our agency on your positive comments, and we couldn't do it without your help!
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CURBING CORPORATE IDENTITY THEFT:
A THREE-STEP APPROACH
In the controversial Citizens United case, the Supreme Court ruled that corporations have rights similar to those of an individual. It follows that they have identities and are vulnerable to identity theft.
Although insurance offers one way to manage this risk, it might well be a long time before a company discovers the theft -- at which point, it would be too late. To avoid or minimize the danger of having your corporate identity stolen, we'd recommend that you review this beneficial three-step approach. (Please scroll down.)
To answer any of your questions regarding curbing identity theft for your business, please call or email Red Tetrault, our Commercial Account Executive, or any of our Commercial Account Managers today. You will be glad you did!
603-476-5511
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OUR FEATURED COMMUNITY PARTNER
'The Moultonboro Food Pantry'
 At Cross Insurance, our goal is to help support as many local non-profit organizations as we can, as we are proud to give back to the community that supports us. Our team of Casual Attire Day , where we choose a local non-profit community partner that we will assist. Employees interested in participating donate a dollar on Fridays if they choose to wear jeans.
Our most recent featured community partner is the Moultonboro Food Pantry, located at the Moultonboro United Methodist Church.
To let us know about your own recommendation for a very deserving community program, simply email Peter Hall or give us a call at (603) 476-5511.
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977 Whittier Highway
P.O. Box 159
Moultonboro, New Hampshire 03254
Get Directions
As always, remember that you can conduct all of your
insurance needs with us by phone, email or fax.
Ph: (603)476-5511
Toll Free: (800) 649-5517
Fax: (603)476-2364
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