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Brought
to you by:
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| Hurlbut Insurance Services
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About Our Firm:
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Bringing you 39 years of experience to help meet your needs in the areas of life insurance, health insurance, disability insurance, long term care insurance, cancer insurance, fixed annuities, group insurance and employee benefit plans.
You may also want to check out HEB Health Insurance for no obligation health insurance quotes.
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| QUOTES from
the
Masters... |
| On Recognition |
On Thoughts/Thinking |
| "We
can secure other people's approval, if we do it right and try hard; but
our own is worth a hundred of it." -- Mark
Twain
"Praise
is a powerful people-builder. Catch individuals doing something
right."
-– Brian Tracy
"Appreciate
people. Nothing gives more joy than appreciation." -- Ruth
Smeltzer
"When
someone does something well, applaud! You will make two people
happy."
-- Samuel Goldwyn
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"Use
your body right: warm it up before you put it under strain. Use
your
mind right: psyche it up before you put it under strain." -–
Tom Hopkins
"Success
and failure are an inside game. Transform your thinking and you
transform
your world." -– James A. Ray
"Your
thoughts are the architects of your destiny." -- David O.
McKay
"You
are in an ongoing process of becoming, growing, and developing in the
direction
of your dominant thoughts. What are they?" -– Brian
Tracy
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Sources of Funds
During a Critical Illness
What
Sources of Funds May Be Available to Help You Financially Survive a
Critical
Illness?
| Health
Care Insurance: While health
care
insurance will cover a portion of the direct costs associated with a
critical
illness, these plans typically require payment of deductibles,
coinsurance
and/or co-pays, which can range from $2,000 to $10,000 or more in
out-of-pocket
costs to you before the plan provides 100% coverage. If you elect
out-of-network care from a specialist or nationally-recognized
hospital,
you may face significant additional expense, plus the cost of travel
and
lodging. In addition, indirect expenses associated with recuperating
from
a critical illness, such as modifications to a home or vehicle, child
care
expenses and convalescent care, may not be covered. It is
important
for you to know what your health care plan will and will not cover before
a critical illness strikes.
Disability
Income Insurance: Disability
income
insurance benefits typically replace a portion of your income if you
are
sick or hurt and unable to work. If you are covered by disability
income insurance, you need to know the answers to questions such as
these:
- How long
must you be disabled before benefits begin?
- How much
is the benefit you will receive?
- For how
long will the benefit be payable?
Social
Security Benefits: Assuming that
you qualify, Social Security disability benefits do not begin until the
sixth full month of disability and are generally not adequate to
replace
your earning power.
Savings
and Investments: A single
critical
illness could consume the assets you’ve worked a lifetime to
accumulate.
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Ask
yourself…if you suffered a critical
illness and were out of commission for three to six months, would you
be
able to survive financially? If the answer is no, contact my
office...we
may be able to help.
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| MESSAGES
from
the Masters... |
LOVE
THE OPPORTUNITY by Jim Rohn
Somebody
said you have to love what you do, but that's not necessarily true.
What
is true is that you have to love the opportunity. The opportunity to
build
life, future, health, success and fortune. Knocking on someone's door
may
not be something you love to do, but you love the opportunity of what
might
be behind that door.
For
example, a guy says, "I'm digging ditches. Should I love digging
ditches?"
The answer is, "No, you don't have to love digging ditches, but if it
is
your first entry onto the ladder of success, you say, 'I'm glad
somebody
gave me the opportunity to dig ditches and I'm going to do it so well,
I won't be here long.'"
You
can be inspired by having found something even though you are making
mistakes
in the beginning and even though it is a little distasteful taking on a
new discipline that you haven't learned before. You don't have to love
it, you just have to learn to appreciate America, appreciate
opportunity
and appreciate the person who brought you the good news; who found you.
Appreciate
the person who believed in you before you believed in yourself,
appreciate
the person who said, "Hey, if I can do it, you can do it."
If
you will embrace the disciplines associated with the new opportunity
you
will soon find that your self-confidence starts to grow, that you go
from
being a skeptic to being a believer. And soon when you go out
person
to person, talking to people, you will find it to be the most thrilling
opportunity in the world. Every person you meet - what could it be?
Unlimited!
Maybe a friend for life. The next person could be an open door to
retiring.
The next person could be a colleague for years to come. It's big
time stuff. And sometimes in the beginning when we are just getting
started
we don't always see how big it is.
So,
before you are tempted to give up or get discouraged, remember all
success
is based on long term commitment, faith, discipline, attitude and a few
stepping stones along the way. You might not like the stone you
are
on right now, but it's sure to be one of the stones that lead to great
opportunities in the future.
To
Your Success,
Jim
Rohn
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The purpose
of this newsletter
is to provide information of general interest to our clients, potential
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general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above.
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