Tuesday, August 29, 2017

Should You Invest in Long-Term Care Insurance?

No one wants to think about it, but the reality is that sooner or later the majority of people will require some sort of long-term care. According to the U.S. Department of Health and Human Services, 70 percent of people turning 65 years old can expect to need some type of long-term care. The real question is how will you expect to cover the cost for your care? One safety net you can rely on to help cover care expenses is a long-term care insurance policy. If you're unsure of whether you should invest in long-term care insurance, consider these questions:


What kind of care will you need?

Even knowing your entire family's health history, it's hard to pinpoint the types of health-related issues that may afflict you or the extent of care that you'll need. Full-time long-term care assistance and medical care can be very expensive. Without long-term care insurance, you'll end up quickly spending through any funds you may have saved back, then jumping through hoops and paperwork to see if you can qualify for Medicaid. Long-term care insurance buys you time and enables you to afford quality care.

Is your family able/willing to help if the need arises?

One of the reasons people buy long-term care insurance is because it reduces the burden of care that may otherwise fall on loved ones. And since many families are scattered across the country, relying on family for care needs isn't always an option that's available to you. Even if your family is nearby and willing to help, it can also be physically demanding to care for someone, and your family members may not be capable of providing the help you need. Long-term care insurance enables you to pay for professional care so your family is not burdened with this task.

Do you lead a healthy lifestyle?

Believe it or not, the healthiest people are often the ones that end up needing long-term care assistance later in life, whereas heart problems or cancer may take the unhealthy ones sooner. One of the benefits of long-term care insurance for a healthy person is it can allow you to stay in your home and maintain your independence longer. 

What are your odds of needing coverage?

According to the American Association of Long-Term Care Insurance, "the lifetime probability of becoming disabled in at least two activities of daily living, or of being cognitively impaired, is 68% for people age 65 and older." While your personal odds are either zero or 100%, if you do need care for more than four or five months, you'll be glad you have long-term care insurance.

The bottom line is that long-term care insurance allows you to maintain your independence, afford quality care, and reduces the financial and psychological stress that a long-term care event causes for the family. If you'd like to learn more about your options for long-term care insurance, give the best insurance company at the Lake of the Ozarks a call. We'll be happy to go over policy options and information to help you make the best decision for your coverage needs!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral



stnaught@naught-naught.com


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Tuesday, August 22, 2017

11 Safety Tips for Avoiding an Auto Insurance Claim

The best way to avoid an auto insurance claim is to avoid an auto accident and the best way to avoid an auto accident is to practice safe driving! As your Lake of the Ozarks insurance agency, we want to help keep you and your passengers safe. Whether you're driving around the block or are on a long road trip, keep these 11 safe driving tips in mind while you're out on the road:


1. Avoid the use of cellphones.
While it may not be "illegal" in every state yet, it is still dangerous to drive while on the phone. Cell phones, whether used to talk or text, can take your focus away from the task at hand: arriving to your destination safely. Sending or reading a text message takes your eyes off the road for about 5 seconds, long enough to cover a football field while driving at 55 mph.

2. Don't go over the speed limit.
Speeding is not only an easy way to get a traffic ticket, but also a way to get into an accident. For your average drive across town, 10 mph faster is only going to save you a few minutes, while increasing your crash risk by as much as 50% - as your speed increases, so does your braking distance, so slow down!

3. Always use caution when changing lanes.
One of the easiest ways to get in an accident is by cutting someone off, changing lanes too quickly or not using your turn signals. Before you pass a vehicle, check your rearview mirrors and look over your shoulder to check your blind spots. Blind spots are the spaces you cannot see with your rearview mirrors. Do not drive in another vehicle's blind spot. And remember the left lane is for passing. If you are not passing, then merge into the right lane to allow other vehicles to safely pass.

4. Don't follow too closely behind other cars.
Be sure to keep a safe distance between your vehicle and the vehicle in front of you. You need a safe distance to stop or turn to avoid a crash. Rear-end crashes are very common. They are caused by drivers who follow too closely and cannot stop in time when the vehicle ahead suddenly stops. A good way to measure your safe following distance is to use the “three second rule.”

5. Watch out for others on the road.
Just because you are doing everything you're supposed to on the road, doesn't mean that everyone around you is following the same safety precautions. Be prepared for unpredictable lane changes, sudden stops, unsignaled turns, swerving, tailgating and every other bad driving habit you can think of.

6. Avoid driving when you are tired.
Being tired can make operating a vehicle very dangerous. When you feel tired, it is harder to make decisions and to react to the traffic around you. You may fall asleep at the wheel. When you feel sleepy, pull off the highway at the nearest rest stop or service area. If you are really sleepy, take a nap. Tired drivers are a great danger to themselves, other drivers, and can be as dangerous as intoxicated drivers.

7. Keep your eyes moving at all times.
Be aware of your surroundings and of any other vehicles around you, especially on busy highways. Notice what is happening on the sides of the road and check behind you through your mirrors every 6-8 seconds.

8. Turn on your headlights.
Using your headlights increases your visibility and helps other drivers see you, even when you feel like it's still light out. A car is visible for nearly 4 times the distance with its headlights on. Be sure to always use them at night and during inclement weather!

9. Come to a complete stop at stop signs.
Stop completely at stop signs. Don't do rolling stops. A good rule of thumb is to count to four before proceeding. Also, be sure to always turn your head left, then right, straight ahead and then left again before proceeding through an intersection. Do the same when a stoplight turns green to ensure someone else is not going to run the red light.

10. Make sure your vehicle is in prime condition.
Before hitting the road, make sure your tires are properly inflated, all fluids are at their proper levels and you have a full tank of gas. If you're going on a long road trip, you might want to have a mechanic look it over before heading out.

11. Never drink and drive.
While this is pretty much a no brainer, don't drink alcohol before getting in a car. Driving while intoxicated is illegal, plus alcohol can impair your senses, including your reaction time. Even if you're not drunk, even a small amount of alcohol can make you sleepy or impair your decision making abilities.


While not all auto accidents are avoidable, following these safe driving tips will definitely decrease your risk! One of the most important aspects of safe driving is making sure your Lake of the Ozarks auto insurance is up-to-date. Contact Insure the Lake today at 573-348-2794 to see how we can help you with all your insurance needs!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral



stnaught@naught-naught.com


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Tuesday, August 15, 2017

4 Reasons Why Employers Should Offer Short-Term Disability Insurance

Disability income insurance is a valuable addition to a company's employee compensation package. This insurance provides payments on a short-term (or long-term) basis to employees when they cannot work because of illness or injury. Besides offering your employees a safety net to help them stay afloat financially in the event of injury or illness, here are 4 other reasons why employers should offer Short-Term Disability insurance.


1. Attracts Potential Employees
The key to hiring the best available employees is to be competitive as an employer. Attracting and retaining good employees is difficult. An attractive benefits package that includes Short and/or Long Term Disability benefits is a very important part of a total compensation package that will be attractive to potential employees. Remember, your employees’ earning capacity is their most valuable asset. Individual disability insurance is not always available and, if available, is much more expensive than employer-sponsored disability benefits.

2. Increases Employee Morale
If you offer Short Term Disability benefits, your employees know their well-being is important to you. This is a way  to provide employees with the security of knowing that if they are hurt in an accident or become too ill to work, they have an income to pay their bills and feed their family. Your employees will appreciate you more for offering them such valuable protection.

3. Reduces Lawsuit Liability
An employee claiming to be hurt on the job is always a potential lawsuit. However, a potential lawsuit most employers overlook is discrimination. For instance, if you offer one employee compensation while they are out ill or injured, but do not pay every employee who goes out on disability the same as you paid that initial person, you are liable for a discrimination lawsuit. But, if you offer Short Term Disability benefits, every employee has the opportunity to choose whether they want paycheck insurance in the event of an accident or illness, and you are no longer obligated.

4. Decreases Worker's Compensation Claims
Your employees know they have paycheck insurance when they are unable to work due to an accident or illness when Short Term Disability is part of their compensation package. If an employee gets hurt over the weekend, they will be less likely to come to work Monday and pretend they were injured on the job in order to file a workers’ compensation claim. These fabricated claims increase your workers’ compensation premiums and liabilities as an employer.

Employees who are injured or get sick and are unable to work may find this coverage to be a true lifeline for staying financially afloat during off-work periods. The best insurance agent at the Lake of the Ozarks offers a variety of short and long-term disability coverages and services that provide cash to employees who are unable to work because of a disability, and ensures that they will be protected, even if they use up their sick pay. To learn more about the variety of insurance benefits that are available to you as a business owner, visit our website or contact Insure the Lake at 573-348-2794 today!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral


stnaught@naught-naught.com


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Thursday, August 10, 2017

Get Ready for 2017 Lake of the Ozarks Shootout!

One of the Lake's biggest events is quickly approaching: Lake of the Ozarks Annual Shootout! This event will draw in thousands of people from all around that share at least one common interest: a love for super fast boats! Insure the Lake knows you're excited for all the fun activities and events coming up. So, this week we're sharing with you the line up of Shootout events so you don't miss a thing!


8th Annual Mini Shootout
Aug 18, 2017 - Aug 20, 2017

Ha Ha Tonka Springs Cove  – 14 1/2 mile marker of the Big Niangua

Watch radio controlled powerboat replicas compete for the Mini Top Gun title.

Friday, August 18th
5PM registration and meet and greet

Saturday, August 19th
9AM – Noon – Practice Runs
Noon to 1PM – Lunch and open Swimming
1 – 5PM – Splash Runs and the Bounty Race
7PM – Live Entertainment @ Captain Ron's (34.5 MM)

Sunday, August 20th
9AM to Noon – Bracket Racing, Exhibition Races & Powder Puff Racing
Noon to 1PM – Lunch and open Swimming
1 - 4PM – Class Runs, Top Gun Racing & The Bounty Race
Awards Ceremony immediately following racing

Lil' Boat & Pontoon Shootout Poker Run

Aug 18, 2017
Captain Ron's in Sunrise Beach

This Shootout Poker Run event is for boats 32' in length or shorter. Registration begins at 10:30AM at Captain Ron's in Sunrise Beach. Multiple venues are participating as checkpoint locations, and the run will end at Topsider in Osage Beach. See website for checkpoint locations.

Lake of the Ozarks Shootout Benefit Golf Tournament

Aug 20, 2017
Old Kinderhook

12PM - Registration & Lunch at Old Kinderhook Golf Club
1PM - Shot Gun Start Awards Following the Tournament Hole in One Prices Proxies & On Course Events. All proceeds benefit Lake Area Firefighters, and many other Lake Area Charitable Organizations.

The Great Shootout Treasure Hunt
Aug 21, 2017
Captain Ron's

Find your buried treasure at Captain Ron's from 5-8PM. $20 ticket social hour, treasure hunt, prizes and T-shirt. Tickets available at Captain Ron's, Cannon Smoked Saloon and Kids Harbor. All proceeds benefit Kids Harbor.

Shootout Volleyball Tournament
Aug 22, 2017
Captain Ron's Bar & Grill

Beach Volleyball Tournament at Captain Ron's Bar & Grill from Noon to 8PM. To sign up and for more information, please contact Kathy Triplet at 785-550-0116.

Shootout On The Strip Street Party

Aug 23, 2017
Bagnell Dam Strip

Head to the Historic Bagnell Dam Strip to meet the race teams and see their unbelievable machines up close and personal from 5 - 10PM.

Shootout PolyLift Poker Run

Aug 25, 2017
Big Thunder Marine

Pre-registration will be at Performance Boat Center on Thursday 8/24, 4 – 9PM.
Poker Run starts at 8PM Friday 8/25 at Big Thunder Marine and ends at Captain Ron's Bar & Grill. See website for details. www.lakeoftheozarksshootout.com/poker-run 

Shootout Silent & Live Auctions
Aug 25, 2017 - Aug 26, 2017
Captain Ron's & Camden on the Lake

The Silent Auction will be held at Captain Ron’s on Friday, August 25th, 2017 from noon - 7PM. Its’ open to the public. All money raised will benefit all of the shootout charities.

The Live Auction will be held in conjunction with SuperCat Fest at Camden on the Lake on Saturday, August 26th, 2017 beginning at 8PM. Free Shuttles from the Camden on the Lake Parking venues will be available to take you to the Resort. The Auction will be held on the lower level adjacent to the outdoor band stage.

Lake of the Ozarks Shootout
Aug 26, 2017 - Aug 27, 2017
Captain Ron's

All events lead up to this moment! The Lake of the Ozarks Shootout, held at Captain Ron's Bar & Grill and the 33MM-34.5MM, will bring top powerboat racers and off shore racing power boats from across the country, topping 200 MPH. This is the largest unsanctioned boat race in the Midwest with over 100 racers and 100,000 spectators. Proceeds will benefit the Lake Area Rescue Teams, and other charitable organizations!

Starting August 18th, there will be something for everyone to get you and the entire family amped up for the Shootout! Remember that there are going to be no wake ordinances throughout the Lake area to ensure the safety of boaters, swimmers, and local property owner's docks, etc., so please leave the racing up to the professionals. The Lake is expected to be very busy during this time. Don't forget to check with the best insurance agent at the Lake of the Ozarks before heading out on the water to be sure your boat is properly insured.


If you got to enjoy the races last year, then you know the 2016 "Top Gun" was American Ethanol, topping an all-time high speed of 217 MPH! We're sure many of the racers will be returning this year to try to claim that title. Which performance racer to do you think will take home the title of "Top Gun" this year? We'd love to hear your vote, so share your favorite racer in the comments! Insure the Lake wishes you a fun and memorable time at this year's annual Shootout!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral


stnaught@naught-naught.com


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Tuesday, August 1, 2017

What You Should Know When Shopping for Car Insurance

Having the best insurance agent at the Lake of the Ozarks to help educate you on different policies available to you makes shopping for auto insurance more convenient than ever. Knowing what to expect — and how the choices you make can affect your premium — may make the process easier, as well. Here are a few things to know before shopping for car insurance.
Speak with an Agent
Choosing your auto insurance provider is an important decision. From questions about your policy to prompt claims handling, you need to be comfortable with the company you choose. Your best bet is talking with a local insurance agent at the Lake of the Ozarks. Since we work and live in the Lake of the Ozarks area, you can rest assured that we understand the special needs of our region when it comes to insurance coverage.

Have Information Handy
Whether you're buying car insurance from an agent or getting a quote online, you may have to provide information such as your drivers license number and vehicle make, model, and year manufactured. You may also be asked detailed questions about your vehicle (such as its mileage or safety features) in order to receive the most accurate car insurance quote. It helps to have this information handy when shopping for car insurance at the Lake of the Ozarks.

Compare Coverages

There are several types of auto insurance coverages. The type and amount of insurance coverage you choose may affect how much you'll pay for car insurance. It's a good idea to research the coverage beforehand that makes sense for your particular situation. If you're unsure of how much or what types of insurance you need, speak to your agent. 

Consider Deductibles and Limits
The deductibles and limits you choose affect the cost of your car insurance policy. A deductible is the amount you pay toward a covered loss before your insurance kicks in. The higher your deductible is, the lower your auto premium will be. Keep in mind, however, that with a higher deductible, you'll end up paying more out of pocket to repair your car if you have a claim. Limits refer to the highest total amount your insurance will pay after a covered loss. The higher your policy's limits, the higher your auto insurance premium will be. One area where you might want to consider increasing your limits: liability coverage. The state of Missouri requires drivers to purchase a minimum amount of liability coverage. It's highly suggested that you increase that limit and purchase more than the state requirement.

Ask About Discounts
The insurance professionals at Insure the Lake help you decide on which company to purchase insurance coverage from, and depending on the company you choose, you may be eligible for discounts. Factors such as your lifestyle and driving habits may help determine what discounts you qualify for, depending on the insurer. Some discounts may apply for the following:
  • Being a good driver
  • Being a good student
  • Driving a safe car

By knowing these things when shopping for car insurance at the Lake of the Ozarks, you'll more easily be able to determine the best policy and coverage for your needs. When you work with Insure the Lake, we’ll review your options with you to find the company and coverage choices that are right for you. We'll do a free, no-obligation analysis of your current auto insurance coverage to determine what coverage you have, if it's adequate to cover your potential medical bills and protect your assets, and see if we can save you a little money compared to what you are currently paying. Give the best insurance agent at the Lake of the Ozarks a call today to discuss your car insurance needs!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral


stnaught@naught-naught.com


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Tuesday, July 25, 2017

4 Instances You'll Wish You Had Insurance

Having insurance coverage at the Lake of the Ozarks can protect you in many different aspects of your life. There are always potential risks that could cause you major financial duress if you're not properly insured. Whether something goes awry with your home or business, or damage occurs to your automobile or personal possessions, having a comprehensive insurance policy can protect your interest and help you get back on track more quickly after a loss or incident. In lieu of that, Insure the Lake wants to share with you 4 instances in which you'll wish you had insurance coverage.


1. Auto Accident
If you're involved in an auto accident and you're uninsured, you risk the chance of paying for medical expenses, repairs, etc., not just for yourself, but for everyone involved. Furthermore, in the State of Missouri, if you're involved in an auto accident and are not properly insured per the state's minimum requirements, your license may be suspended,even if the accident wasn't your fault. If the accident was your fault, you will be suspended AND you will not be able to get your license back until you can prove you have taken care of the damages. This simple issue could hold your license up for years. After all these possible consequences, does it really make sense not to have auto insurance?
2. Home Invasion
Imagine getting home from work one evening and finding your back door wide open. The door jamb is busted and as you enter your home, you find it in complete disarray. Your home has been broken into and robbed. You immediately call the police to file a report. But then what? Do you have home owners insurance to cover the loss of your personal property and the damage done to your home? Homeowners insurance is not something that you should take lightly. Your home protects so many valuable belongings – you’ll want to make sure that insurance is there if you do need it.

3. Business Lawsuit
Let's face it. No matter how great of a relationship you build with your clientele, things can happen and business owners may face the threat of a lawsuit every now and then. And while, many business owners believe that their contracts are so solid and ironclad that courts of law will be avoided completely, that's just not the case. Unfortunately, even arbitration can require costly legal representation or advisement. While responsible business owners will continue to depend on contracts as a method to delineate expectations and agreed-upon outputs, contracts do not solve every conceivable problem. Complications happen and sometimes lawsuits are unavoidable. Business insurance may include errors and omissions insurance to protect your company in times of need.

4. Personal Property Loss
If the home or condo that you're renting were to be lost to a fire tomorrow, would you be able to easily replace your property? If you're relying on your landlord's homeowners policy to cover those expenses, you may be in for a rude awakening. If you're renting an apartment or home, you'll need an insurance policy to cover your belongings. Your landlord's property insurance policy covers losses to the building itself – whether it's an apartment, a house or a duplex. Your personal property and certain liabilities, however, are covered only through a renter's insurance policy that you, as a tenant, have to find and pay for.

Whatever your Lake of the Ozarks insurance coverage needs are, you'll want to make sure you're fully covered and prepared for any potential risks or losses that may arise. Insure the Lake specializes in all types of insurance policies ranging from personal home and auto insurance to business liability insurance and workers compensation. So, no matter what your insurance needs are, we can help. Give us a call today to discuss your current coverage and let us review your policies for any gaps that may cause problems in the future. Let us see if we can provide you with the most comprehensive coverage at a competitive price!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral


stnaught@naught-naught.com


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Tuesday, July 18, 2017

Benefits of Bundling Insurance Policies

When you purchase more than one type of insurance from a single carrier, a bundling discount may be applied that reduces your premiums. While the most commonly bundled products are auto and homeowner policies, you can often bundle other types of property/casualty insurance too. Bundling may save you money in some cases, but in others it may not. When deciding whether to bundle, it pays to talk to the best insurance agency at the Lake of the Ozarks. Check out some of the benefits of bundling insurance policies.


Saves Money

When bundling home and auto insurance, you could save considerably. Adding another policy such as motorcycle coverage can push savings even higher. In addition to reducing your premium, many insurers offer savings on deductibles. For example, some bundle programs let consumers pay only the highest deductible on their bundled policies if multiple assets are damaged. For instance, if a tornado damages your house, car and boat, you will pay one deductible (the highest one). The others are waived.

More Convenient
Convenience is another advantage to bundling. It reduces the amount of paperwork and simplifies policy management. You don't have to deal with multiple insurance companies and there is only one renewal date to remember. If you have a claim, you need to call only one company. 

Better Coverage
When insurers have access to all of the consumer's policy information, the insurance adviser can identify coverage gaps and can readily make the necessary coverage recommendations. Some companies are better at insuring cars than homes, so its important to work with an experienced insurance agent at the Lake of the Ozarks who can examine the protection level on the home insurance policy to ensure the amount of coverage is suitable for your needs.

No matter what your insurance coverage needs are, Insure the Lake can help you find a policy that best fits you. Naught-Naught Agency is an independent insurance agency that has direct contracts with over 50 insurance companies and access to hundreds more through brokerage services. This allows us to shop the insurance marketplace in order to give you the most comprehensive coverage at a competitive price. So, if you're looking to conveniently bundle your insurance policies to help save time and money, give Insure the Lake a call at 573-348-2794!

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 


About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral


stnaught@naught-naught.com


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