YOUR INSURANCE AGENT......POLICY PEDDLER OR TRUSTED INSURANCE ADVISOR??

In case you just fell off the turnip truck...Today's environment has become highly specialized. Most people see insurance as a necessary evil. I have people call me everyday who "just want the cheapest premium possible"with no regard for correct coverages. "COVERAGES"??? "Insurance is just a rip off and I have never had an accident in my life"!! A "policy peddler" will  simply  "take the order". They might as well be working at McDonald's. The policy peddler cares only about their commission and NOT about protecting YOU or your PROPERTY. The Trusted Insurance Advisor will ADVISE and help YOU make wise intelligent CHOICES.
        Insurance Companies, along with everybody else that is struggling to take make money in this economy, are looking for ways to reduce their risk and push more risk, regulations and pitfalls in YOUR path.  For example, If you hit something in the road, is it covered under Comp. or Collision?? It depends on how YOU answer the adjusters INTERROGATION. He or she will be trying to figure out based on YOUR words if the object that you hit was moving or stationary.  On one hand it will be your fault and will show as an "at fault" accident and cause your rates to go up for 3 YEARS. Has YOUR Agent EVER asked you about a coverage called :Business Personal Property away from the dwelling"? What is that you ask?? For example, if you use your personal laptop for business and the laptop is Stolen from your car.....your Homeowners Policy, unless you adjust your Policy, will ONLY PAY YOU $250.00 This is true of ANY Personal Property that you use to make money  in ANY FORM or Fashion.
     POLICY PEDDLER or TRUSTED INSURANCE ADVISOR.... Which do you want??
     CALL THE INSURANCE COWBOY TODAY and enjoy the PEACE of MIND that comes from having a TRUSTED ADVISOR on your TEAM!!

RULES vs VALUES The problem today.....

The problem today is that most people confuse Rules with Values or Principles. Rules are made and socially acceptable to break but Values and Principles are not! Principles are taught at a very young age and serve as a compass, subconcious in nature, but still a compass that helps let us know right from wrong. Our decisions today dictate the outcomes of our tomorrows. Are our decisions Rules based or Principle based? Bullying, for example, is the decision based on Rules (or the breaking of them) or Principles? If they are based on Principles then one must ask one's self, what Principles were .taught and what Principles do we teach in our homes today. The Terrorist bombings are a dramatic example today. Rules or Principle?! Irregardless, thier moral compass is totally flawed and broken. Politicians are yet another example of the lack of Principles and Values for many. Is the hunger for Power and Self Agenda based on Principles/ Values or the thrill of breaking the Rules? As an Eagle Scout, which I had to earned before the age of 16, solidified  my core Values and Principles as a young man. My parents and my church involvement, molded my foundation from birth. I am so greatful for "Goodly Parents" who raised me correctly and taught me to be kind and honest every day. Today I am blessed to add to my quiver of Principles, The Cowboy Code of Ethics which a very simple sumation of all that is important in my Personal and Business Life. What a contrast to the up bringing of the criminals of our world. Can you imagine how our world would be if every one LIVED the Boy Scout Oath and Law and The Cowboy Code of Ethics. Where does it all start? We can't go back it time and fix the up bringing of those . who need it today, BUT we can LIVE and Teach by EXAMPLE with every path that we cross. A simple smile or a "Good Morning" seems to thow people off  of thier "kick the can" daily attitude. Imagine with me again how our world would be if everyone smiled and greeted each other. As my beautiful wife reminds me, when was the last time you spoke to a stranger in an elevator as it slowly moves between floors? Do you really know much about your neighbors? Do you know them enough to give them a key and the alarm code to your home in case of  an emergency? If you really think this World is in need of fixing, lets fix us first and then lift the load from our brother by looking for opportunities to SERVE them. I was told many years ago by a great man that "If you keep your face toward the sun...all the shadows will fall behind". May we all keep an "attitude of Gratitude" each and every day of our lives!