"Childproof" Your Finances {$50 Target Gift Card!}

Happy Tuesday!

Most of you know by now that aside from this lovely blog that I'm an insurance agent. You're probably thinking...how boring. It's really not, though! Helping others with their insurance needs is wonderful, especially since a lot of people my age don't understand the importance of it. It's my job to help them understand, and to get them covered.

Having kids is one of the greatest joys in life that's full of celebrations and surprises but sometimes, those surprises aren’t always happy. Of course, all parents work hard to keep their children safe, but unfortunately, life happens! According to the United States Centers for Disease Control and Prevention, parents spend an estimated $11.5 billion annually on injuries to children. Parents who are aware of the safety risks and insurance implications of raising kids are in a better position to reduce injuries, save money, and save lives. By making smart insurance decisions early, new parents can “childproof” their finances BEFORE the unpredictable happens.

The National Association of Insurance Commissioners (NAIC) has some quick tips that are definitely worth reading:

Childproofing My Finances — What Should I Consider?

Insurance needs can vary greatly, but when it comes to having kids, there are some important things to consider, including:

-If you’re expecting, it’s important to know how your health plan covers screenings, procedures and any unexpected costs.

-If you have little kids, it helps to contact your insurer before installing backyard play gear and to consider increasing your liability coverage should someone get hurt on your property.
-If your kids are approaching driving age, consider the make and model of your family car (or their new one!) and discuss options for lower premiums and optimal vehicle safety.

Whether you are raising young kiddos, pregnant or thinking about having kids, the new Get Ready: New Parents resource kit from Insure U can help you get smart about insurance now to avoid costly decisions later. Insure U also offers a Take Action Now checklist to help you get ready (love this!). Resource kits for other life events, such as buying a new car or changing jobs, also are available online.

For more child-related information, including tips, videos, apps and games, you can visit www.insureuonline.org. Being prepared is never a bad thing, right?

As a little thank you for letting me to get into your brain with some insurance related info today (I know it's not the most fun topic in the world but hey, it's important!)... 

*Enter below to win a $50 Target Gift Card!*
Yup-to spend any way you'd like. I've made the entering as simple as can be, so you better get to it...

a Rafflecopter giveaway