Nearly everyone knows someone who has been affected by cancer or heart disease. Unfortunately, many believe that their existing coverage is adequate to cover all the expenses associated with these conditions. As costs and deductibles rise, so may the need for insurance protection to cover out-of-pocket or living expense costs.
By Dominique Ashen, Ph.D., CRNP
How you live your life today may determine whether or not you die in the line of duty. Exercise, diet and family history may have more to do with your risk of dying on a scene than what you do when responding to an incident.
The sobering fact is that heart disease causes nearly half of firefighter line of duty deaths, with the highest risk occurring during fire suppression. For 2012, the U.S. Fire Administration reported that of the 82 firefighters who died in the line of duty, 45 percent died of a cardiovascular event — more than any other cause of death. And of those cardiovascular events, heart attack was the most common. CLICK FOR MORE
Call Brian at 765-277-2770 for more information to protect yourself and family.
via Ohio responders equipped with ballistic gear
MIAMI TOWNSHIP, Ohio — A fire department used grant funding to purchase ballistic vests for its firefighters and paramedics.
WHIO reported that Miami Valley Fire District responders began using their extra layer of security last month.
“It’s a flip of how you think and how you operate when you do put it on,” Lt. Brett Beach said.
Responders will wear the vests on calls where there is a possibility of a weapon being on the scene.
“That’s not specifically because of one thing,” Beach said. “It’s because of the culmination of all these different types of scenarios we can get into, whether it’s a school shooting or a mass shooting, domestic violence, overdoses and that’s just another level of protection for all the firefighters.”
Ballistic vests are becoming more and more common among first responders. In 2014, FEMA recommended all responders wear them while going into the “warm zone” or an area that “can be considered clear but not secure” so that they can “treat and evacuate victims located within or near an active shooter/mass casualty incident area.”
Beach said the ballistic vests give responders “a different mindset.”
“Some would say it’s sad and I wouldn’t dispute that, but you have to keep going. I can’t not keep going as far as the job is concerned.”
Life insurance is actually for the living.
No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can:
- Pay for funeral costs
- Help pay the bills and meet ongoing living expenses
- Pay off outstanding debt, including credit cards and the mortgage
- Continue a family business
- Finance future needs like your children’s education
- Protect a spouse’s retirement plans
CLICK TO VIEW VIDEO if you’ve ever been confused about life insurance you’re not alone. This video will educate you on what exactly is the difference between term and whole life insurance.
Getting life insurance doesn’t have to be hard (or boring). We have some easy steps for you to walk through to see if life insurance is right for you. You’ll also find information and interactive tools to help you get a sense of how much and what kind to buy, plus information about how different life events—such as having children or buying a home—can affect your insurance needs. So why not get started!
Call Brian 765-277-2770