Auto Dealer Warranty Costs 50-75%+ More…AND You Get Less!

Don’t Overpay for Your Warranty Coverage…

We have a plan that’s BETTER than the warranty or mechanical breakdown policy sold by most car dealerships…AND IT IS 50-75% LESS expensive.  Mercury provides one of the very best Mechanical Breakdown Policies available.

Easy Claims Procedure ; Benefits That Most Factory Warranties Do Not Provide; Fills in Gaps of The Factory Warranty; Provides Peace of Mind ; Low Deductibles; Reasonable Cost; Roadside Assistance ; Tire Protection Reimbursement ; Emergency Trip Interruption Reimbursement ; Towing Reimbursement ; Rental Coverage

Call NOW to see how little you pay for Peace of Mind!

(888) 541-9444 Toll Free

Cash or Dinero-Either Way You Say It You’re Going to Save Money!

 Meet our Bilingual Team Marcelo and Yvette here to assist “en Espanol.” Do you have Friends or Family more comfortable speaking Spanish?  Simply have them ask for Marcelo or Yvette, and they will be more than happy to assist them with their insurance needs.

In Your Community… Charities YOU helped in 2011

Thanks to your referrals in 2011, all these charities benefited from donations when you referred your family and friends to The Summer Group Insurance.  We donated $20 for each and every referral to the charity of your choice.  He is your list…Thank you again! 

AMC Cancer Research

ASPCA

Alzheimder’s Foundation

Alzheimer’s OC, Irvine

American Cancer Society

American Heart Association

American Red Cross

American Red Cross -Japan

Relief

AVID

Boy Scouts

Boys & Girls Club, La Habra

Boys & Girls Club, Buena Park

CHOC

Children Help OC

Church of Southland

City of Hope

Colon Cancer

Cuddly Canines Rescue

EIF Revlon Run/Walk

For Women

Education for The Children

FoodForThePoor.org

Gary Center of La Habra

Good Samaritan

Help For Brain Injured

Children, La Habra

Heroes At Home

LiveStrong

MS Society

Make A Wish Foundation

March of Dimes

Mayo Clinic

Mission Hospital

New Harvest Christian

Fellowship, Norwalk

OC Animal Shelter

OC Catholic Worker

Operation Help A Hero

Pediatric Brain Tumor

Foundation

Pediatric Cancer Foundation

Riverside Life Services

Ronald McDonald House

SPCA, Orance County

SPCA, LOS ANGELES

St. John Vianney Catholic

St. Jude’s Children’s

Research Hospital

St. Jude’s Children’s Hospital

St. Jude Hospital

St. Mary’s Church, Whittier

St. Martin Deparres/

Yorba Linda

Save The Children

Shriner’s Hospital for

Children,

Los Angeles

Smile Train

South County Outreach,

Lake Forest

Susan G. Komen Foundation

Take Me Home

Talk About Curing Autism

The Mission Hospital

Foundation

UNICEF

Whittier Pregnancy Care

Clinic

Woman’s Shelter, Long

Beach

Women’s Transitional Living

Center

Minding Your Business…Umbrella Policies

As the name implies, an umbrella liability policy provides coverage over and above a business’s other liability coverages. It is designed to protect against unusually high losses. It provides protection when the policy limits of one of the underlying policies have been used up. For a typical business, the umbrella policy would provide protection beyond the general liability and auto liability policies. If a company has employment practices liability insurance, directors and officers liability, or other types of liability insurance, the umbrella could provide protection beyond those policy limits as well.

For more information, please email or contact me by phone. 

Shawn Goodman, Commercial Lines Manager

SG@Summergroup.net

(562) 690-9770

Don’t Neglect Your Insurance…That Could Cost You!

The fact is, far too many people make the simple mistake of letting their insurance policies run on auto-pilot for years, even decades! It is important that you make sure that you have exactly the right amount of insurance for your circumstances – no more and no less. In today’s roller coaster economy, it’s critical that you constantly review any weaknesses in your own financial situation.
That means you need to periodically review and adjust your insurance policies at least once a year because life events can change your insurance needs at any time:
• Marriage, divorce, or retirement.
• Birth or adoption of a child or grandchild.
• New driver such as a teenager.
• Serving on a board of directors for a non-profit (or a homeowner association).
• Changes in your or your loved one’s health.
• Taking on the financial responsibility of an aging parent.
• Buying, selling or renting a new home, or refinancing your current home.
• Purchasing or selling a business.
• Purchasing or investing in collectibles such as artwork or antique firearms.
• Claiming an inheritance or even winning the lottery.
Any changes to the above could prompt an important update to your protection plans. Remember, once a loss or tragedy happens, no one will sell you insurance no matter how much you’re willing to pay. It must be done ahead of time.
Please call me now to review your insurance.

How Much Is A Homemaker Worth?

 How Much Is A Homemaker Worth?

The life of a homemaker is one that includes an endless amount of demands and to-dos. Depending on the size of the home and family, the position of homemaker can go well beyond the usual nine to five. We examined some of the tasks that a homemaker might do to find out how much his or her services would net as individual professional careers. We only take into consideration tasks which have monetary values and use the lowest value for each calculation.

Private Chef
Meal preparation is one of the major tasks of most homemakers. From breakfast to dinner, there is plenty of meal planning and cooking to be done. The American Personal Chef Association reports that its personal chefs make $200 to $500 a day. Grocery shopping is another chore that needs to be factored in. A homemaker must drive to the supermarket, purchase the food and deliver it to the home. Grocery delivery services charge a delivery fee of $5 to $10.

Total cost for services: $1,005 per five day work week x 52 weeks = $52,260 per year.

House Cleaner
A clean and tidy home is the foundation of an efficient household. Typical cleaning duties include vacuuming, dusting, sweeping, scrubbing sinks as well as loading the dishwasher and making beds. Professional maids or house cleaning service providers will charge by the hour, number of rooms or square footage of the home. For example, bi-weekly cleaning of a 900-square-foot, two-bedroom apartment with five rooms, costs $59-$124 . A 1,300 square-foot, single-story home with seven rooms runs $79-$150 . A 2,200 two-story, three-bedroom home with nine rooms averages $104-$180 . Additional tasks such as oven or refrigerator cleaning and dusting mini blinds can run an extra $20-$25.

Total cost for services: $118 per week X 52 Weeks = $6,136 per year.

Child Care
Homemakers provide full-time, live-in child care. This type of service from a professional provider would usually come with a host of perks including health insurance, paid vacation and sick days, federal holidays off, dental and vision coverage, and bonuses. The International Nanny Association’s 2011 survey found that nannies make $600 to $950 per week in gross wages, on average.

Total cost for services: $600 a week plus perks/benefits x 52 Weeks = $31,200 per year.

Driver
A private car service might seem like a high-end luxury to most, but the beneficiaries of a homemaker get this service on a daily basis. Companies like Red Cap, which provides personal drivers that use the client’s own car as the means of transportation, offer a glimpse into the cost of this homemaker task. An elite membership which includes 365 days of unlimited, round-trip service is $1,000 a year plus 33 cents – $2.03 per minute.

Total cost for services: $1,000 per year + [(estimated miles driven 8000 miles / 50 MPH) x 60 min/hr x $0.33 per minute] = $4,168 total per year.

Laundry Service
Clean clothes come at a cost when you have to pay for the service that most homemakers do for free. Professional laundry services charge by the pound. For instance, Susie’s Suds Home Laundry Service, Inc. in Texas charges 90 cents to $1.00 a pound to wash, dry, fold, hang and steam your clothes. Items that take longer to dry such as comforters, blankets, rugs and winter clothes are assessed at a price of $12-$15 each.

Total cost for services: $0.90 per pound x 4 pounds of clothes per day x 5 days per weeks x 52 weeks = $936 total per year.

Lawn Maintenance
Basic maintenance of the exterior property is a less common, but possible duty of a homemaker. This could include things such as mowing, debris removal, edging and trimming the lawn. These services cost about $30 a week on average.

Total cost for services: $30 per week x 52 weeks = $1,560 total per year.

The Bottom Line
Total for a year of all services is: $52,260 + $6,137 + $31,200 + $4,168 + $936 + $1,560 = $96,261 per year.

The daily work of a homemaker can sometimes be taken for granted by his or her family members. However, these services could earn a homemaker a considerable wage if he or she took those skills to the marketplace. Homemakers in general contribute a lot more to the home in addition to these tasks, and no amount of money can fill those needs.

Don’t forget your homemaker when making your life insurance decisions. Please give Lindsey or I a call now to review your life insurance needs.

Help Protect Your Income and Retirement Dreams

Your lifestyle and retirement dreams depend on your ability to work and earn an income.  But, what if you became too sick or hurt to work?  How would you pay for everyday living expenses, such as food and housing?  Would you be able to continue saving for retirement?

I can help you find answers to these questions. If you became disabled, The Summer Group together with top disability insurance carriers can work together to help insure your lifestyle – today and in the future. Please give me a call now to discuss disability insurance before you need it. 

 

LK@summergroup.net 

 (562) 690-9770

Buying a Car After Hours or Weekend…Need Insurance?

Buying a Car AfterNormalBusiness Hours or Weekend?  No Problem…

 Car Sales are picking up so I wanted to be sure you are aware most insurance carriers have after hours “Call Centers” to assist you in adding coverage for your new car.  The “CallCenter” agent can confirm coverage for you so you can drive off the lot knowing you are covered.  Don’t get pushed by the sales or finance manager into an expensive and limited short term policy.  We can provide confirmation of coverage for you after hours and on weekends!  Also, DON’T buy Extended Warranty or Mechanical Breakdown Coverage from the dealer either.  Their prices are 50-75% HIGHER than our Mechanical Breakdown or Warranty product…and our policy is BETTER! 

 Check now to be sure your Insurance Auto ID card has the after hours toll free number to your insurance carrier’s “CallCenter” now before you need it.  Can’t find it?  Call us and we can issue a replacement.

Don’t Neglect Your Insurance…That Could Cost You!

The fact is, far too many people make the simple mistake of letting their insurance policies run on auto-pilot for years, even decades! It is important that you make sure that you have exactly the right amount of insurance for your circumstances – no more and no less. In today’s roller coaster economy, it’s critical that you constantly review any weaknesses in your own financial situation.
That means you need to periodically review and adjust your insurance policies at least once a year because life events can change your insurance needs at any time:
• Marriage, divorce, or retirement.
• Birth or adoption of a child or grandchild.
• New driver such as a teenager.
• Serving on a board of directors for a non-profit (or a homeowner association).
• Changes in your or your loved one’s health.
• Taking on the financial responsibility of an aging parent.
• Buying, selling or renting a new home, or refinancing your current home.
• Purchasing or selling a business.
• Purchasing or investing in collectibles such as artwork or antique firearms.
• Claiming an inheritance or even winning the lottery.
Any changes to the above could prompt an important update to your protection plans. Remember, once a loss or tragedy happens, no one will sell you insurance no matter how much you’re willing to pay. It must be done ahead of time.
Please call me now to review your insurance.

Important Tips About Disability Income Insurance

Insurance Commissioner Dave Jones today advised consumers about the importance of understanding their options when considering disability income insurance.

“In a down economy many people may not think their most valuable asset is their ability to work,” said Commissioner Jones. “But if illness or injury were to keep you from earning a living you would still need to pay your bills. Disability income insurance could be a viable option for people and their families, and that’s why consumers need to take the time and evaluate their options closely.”

According to the U.S. Census Bureau, one in four of today’s 20-year-olds will become disabled before reaching retirement age; however, only 32 percent of U.S. private industry workers have long-term disability income insurance as part of their benefits package.

An individual may obtain disability income insurance coverage in two ways – either through a group-sponsored setting or purchased as an individual. Group insurance is available through an employer or an association, and these policies may offer short-term and long-term coverage. Short-term disability income insurance typically replaces a portion of the policyholder’s salary up to a year following the disability, while long-term disability income insurance may begin six months after the disability and can last a few years or even until retirement.

Individual insurance is coverage that can be purchased from any insurance company that offers it. The terms of the policy, length and type of coverage are negotiated between the individual and the insurance company and are generally subject to underwriting requirements.

Comparing Disability Policies – When considering disability income insurance policy options there are definitions and benefits consumers should carefully compare.

Definition of disability – the definition varies from policy to policy. Some may pay benefits if you cannot perform the duties of your own occupation, while others may require that your disability keep you from performing tasks of any occupation you are reasonably expected to perform based on your age, education, training and experience.
Extent of disability – Some policies may require you be totally disabled before it pays benefits, while others may pay a limited amount or for a limited time if your injury limits you to performing only part of your job.
Disabilities Covered – The list of covered injuries or illnesses considered disabilities under the policy will vary. Coverage for pre-existing conditions may be limited or excluded.
Residual benefits – This coverage fills in a gap in come if you are partially disabled, you return to work, and your income is reduced because you can’t perform all of the duties of your job.
Determining How Much Coverage You Need

Before purchasing disability income insurance, determine how much income you need to meet critical financial obligations such as rent/mortgage, food, fuel/transportation, utilities, etc. An easy way to do this is by adding up your monthly expenses and comparing them with the income from any existing disability coverage, plus any income from other sources, such as personal savings.

Becoming disabled can also bring with it increased or additional expenses like health care costs, assistance with daily activities, even home modifications. Keep this in mind while evaluating the amount and type of coverage you could need.

The amount of benefits you receive is based on a percentage of your pre-disability earned income. The benefit amount received can be reduced by other sources of disability support such as Social Security disability payments, employer long-term disability insurance, among others.

If the long-term disability income insurance coverage your employer offers is not enough to cover your needs, there are options for purchasing additional coverage.

When it comes to insurance, your options can be confusing and it can be difficult to determine your family’s needs. Learn more about insurance by visiting the us online at http://www.summergroup.net or contact us toll free at (888) 541-9444.