Category Archive : Health & Fitness

Bundling Insurance

What Is Bundling Insurance?

All of the big insurance carriers often run ads about bundling insurance types. The message is usually carried through with “save tons of money when you bundle!” but they leave the message fairly open. What types of insurance are bundled? How much do you actually save? These are the typical questions consumers are thinking when they hear or see these ads.

So, what is bundling insurance?

Home & Auto

According to Steve Thill with AIC Insurance in Bend, Oregon, the two most common types of insurance that get bundled are home and auto. If you own a home, there’s a good chance that you also own a vehicle and you need to insure both.

Large carriers like Traveler’s Insurance or Geico can offer bundled savings when customers choose to group their policies. This is because they save more money in the long run and can pass the savings onto you, the end customer.

Mobile Home Policies

Some insurance carriers will also offer manufactured home policies too. This type of policy is typically offered for mobile homes and a few different types of dwellings. When bundled with an auto insurance policy, the end customer will see a ton of savings.

What About Life Insurance?

People often think of bundling a life insurance policy with another type of insurance, be it home or auto or something else. However, a typical life insurance policy has different coverage compared to other policies. This is why you’ll often have a life insurance policy separate of any other type of insurance you have. Take a look at this helpful article from Midweek to understand a little more about life insurance policies.

Don’t Forget Health Insurance

Some select carriers may also offer policies that cover home, auto and health. If these types of policies are available in your area, it’s advised to take advantage of them as its the best way to save. Although health insurance is vastly different from a homeowner’s policy, insurance agents can offer all of them at a bundled rate. What’s most important is to not settle for a health insurance policy just because of the price.

How Can You Find the Best Rates?

If you’re interested in bundling insurance policies to try to save, you have a few options ahead of you.

Contact Your Insurance Broker

Start by asking questions to your insurance broker. They are responsible for finding you the best rates and should keep a close eye on bundled rates as well. Insurance rates change frequently and they should be telling you what you can save. Give your broker a call and ask what you could be saving.

Go Online

Major insurance companies often post rates as part of a marketing strategy. For the end customer, this gives you a good idea of what you could potentially save. Large insurance websites may even have a chat functionality that will allow you to ask a professional questions right away.

Go To Your Local Insurance Office

If you still have questions and you’re just not sure what you can do to bundle different insurance types and save, head down to your local insurance broker’s office. Whether you’re with Geico, State Farm, Farmer’s or Progressive, they should have a local satellite office you can visit to get your questions answered.

If you just recently bundled insurance policies, let us know how the process went and if you’re happy with your savings.


Product Review: IdealStretch for the Ideal Stretch

Today we’re reviewing a product that is new to the health and fitness market. The product, aptly named the IdealStretch, is a chiropractor’s preferred tool for patients to properly stretch at home. Once a patient begins using this stretching aid, they’ll feel better and be much more limber.

What is the IdealStretch?

The IdealStretch was invented by proclaimed knee surgeon, Dr. K Donald Shelbourne, as a way to help post-operative patients heal faster. The IdealStretch allows its user to properly stretch hips, hamstrings, lower back areas and more. With just 10 minutes a day using the tool patients are reporting feeling much more flexible and able to move around.

Who is the IdealStretch For?

The IdealStretch is the perfect companion for those experiencing pain in their joints, hips, hamstrings, IT band and lower back. As these areas of the body are used so frequently, it’s no wonder why they can become tense and require stretching. Simply use the product to stretch legs, knees, hamstrings and hips. It’s easy to use, safe to use and cost effective for its users at less than $100 a unit.

If you’re experiencing pain in any of these areas, ask your chiropractor or physical therapist if they can recommend this product for you.

Who Recommends the IdealStretch?

The IdealStretch comes highly recommended by physical therapists, chiropractors, surgeons and athletes. Physicians and chiropractors recommend the product to their patients to align with treatment and post-operative directives. Chiropractors have been purchasing the product in bulk to demo in their clinics and then resell to their patients. So far, the device has come highly reviewed by patients experiencing hip, hamstring and lower back pain.

And athletes find use in the IdealStretch to properly stretch before and after working out. Whether playing intense sports or running track, the device allows its users to be properly stretched before taking part in any activity.

Where Can You Find the IdealStretch?

The IdealStretch is offered through its manufacturer’s site (, Amazon, Wal-Mart, Bed Bath & Beyond, and more. Check online to see where it is available near you.

3 Tips to Know Following A Car Accident

From a small fender bender to a head-on collision, automobile accidents are never a good thing. And immediately following a car accident, there’s so much to consider that your head might be spinning. When you’ve been involved in an accident, your number one concern should be your health. But then you have to consider insurance, if you need to see your primary care physician and what you need to do about your vehicle.

Here are three tips you should consider if you are ever involved in a wreck.

1. Check To See Everyone Is Okay

Whether you caused the accident or not, it’s important to make certain everyone is okay. First, check your surroundings to be sure you are safe to exit your vehicle. Look for any other cars that have stopped following your accident. If it hurts to move, stay put and call 911. If you are able to move no problem, get out of your car and check on the other vehicle operator. Depending on the extent of the damage, the other operator may be injured and you’ll need to call for help right away.

Once you have verified the health and well-being of everyone, it’s time to exchange insurance.

2. Exchange Auto Insurance

Again, whether you caused the accident or not, you’ll need to exchange insurance information with the other driver. It’s best to let insurance companies handle the details of a car accident and they can provide you protection. If the operator of the other vehicle in the accident refuses to provide their insurance information, you’ll need to consider hiring a personal injury attorney in your area. They can help you figure out what the damage to your vehicle is actually worth.

Exchange insurance information with the other driver and go about your way.

3. Seek Medical Help

If you feel you have sustained injuries as a result of a car accident, you’ll want to consult with your doctor or chiropractor as soon as possible. If you are not already seeing a chiropractic professional for other reasons, a car accident is certainly a reason to meet with one. They’ll help address any issues you’re feeling following your car accident. Should the accident be a lot more serious, you could end up requiring surgery or a lengthy hospital stay. Your doctor will evaluate you and let you know how serious your condition is.

It’s important to consider your long-term care too. A car accident may leave lasting effects in your neck, back and possibly even your vision. Addressing these issues as soon as possible will allow you to resolve them quicker.

Other Considerations

These are just a few tips to consider after an automobile accident. If you have trouble with your car insurance, it could be time to consider a new insurance provider. And if your pain management after a car accident doesn’t seem to be diminishing, it could be time to consider trying CBD for pain management.

Finally, if the other driver is showing any type of aggression following an accident, you’ll want to consider calling your local police department or highway patrol to help resolve the situation.