Vermost Insurance Agency - December 2023

Check out our latest edition!

Protection Team News Wedding Success and Hurricane Season Good News on Both Fronts

Although the wedding festivities have concluded, there's another event winding down as well: hurricane season. As of this writing, it's ranked as the third-busiest season on record. While we hope it doesn't climb any higher, we're grateful that Florida, despite experiencing some close calls, has been spared a direct hit this year. This bodes well for both us and the insurance industry. While I can't predict whether this will result in lower insurance premiums immediately, there are no glaring signs of more companies going bankrupt or withdrawing from the state of Florida at this juncture. If we continue to experience a few more years with minimal or no direct hits, it should bring relief to all of us in terms of our insurance premiums.

After 22 unforgettable months of planning and anticipation, we can say that the grand event is now a cherished memory. We are, of course, referring to the splendid wedding of Noelle and Jonathan. The day was nothing short of magical, with Noelle looking absolutely radiant as she walked down the aisle. Although it felt like it passed in the blink of an eye, it was undoubtedly a resounding success, as attested by family and friends in their glowing reviews. In my heartfelt toast during the celebration, I mentioned that Melanie and I didn't lose a daughter; we gained a wonderful son-in-law that day. You can relive some of the most cherished moments with the stunning photos on this page (though there were many more!). Turning our attention to what lies ahead, Noelle is embarking on an exciting journey with her big move to Michigan, while Ainsley is on the cusp of a remarkable milestone of her own — graduation from the University of South Florida with an undergraduate degree in accounting. As I mentioned earlier this year, Melanie and I are simply trying to navigate 2023, which we fondly refer to as "the year of the girls."

VOL 15, ISSUE 12

It Was the ‘Year of the Girls’ Page 1

Give the Gift of Innovation This Christmas Page 2

Protect What Matters Most — Why Life Insurance Matters Page 2 Genius Hacks to Celebrating New Year’s Eve With Kids Page 3

Given the need for brevity this month since I want to share more wedding photos, I must offer a quick update on the Tampa Bay Lightning before I sign off. The season didn't start as we had hoped, particularly with the news of goalie Andrei Vasilevskiy's two- month absence following back surgery. Let's keep our fingers crossed that the surgery was a success and that he'll make a strong return for the second half of the season, propelling the team to new heights. Until next month, stay well and enjoy the beautiful memories from Noelle and Jonathan's special day.

Referral Winner Page 4

Wacky December Holidays Page 5

Word Search Page 5

Tasty Holiday Chocolate Mousse Page 5 October Referrals and Puzzle Winner! Page 6


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Toll free (800) 828-2226 Fax (727) 577-4991

SECURING YOUR FAMILY’S FUTURE THE VITAL ROLE OF LIFE INSURANCE Life is an unpredictable journey filled with joyous moments and unexpected challenges. It’s a reality we all face, and while we cannot control every twist and turn, we can certainly take steps to safeguard our loved ones in the event of the unexpected. One of the most critical steps in this regard is securing life insurance. Life insurance provides a vital safety net that offers financial protection and peace of mind, making it an essential component of a well-rounded financial plan. Financial Security for Your Loved Ones Likely, the most compelling reason to invest in life insurance is the financial security it offers your family and dependents. In the event of your untimely passing, life insurance ensures that your loved ones have the financial resources they need to cover immediate expenses, such as funeral costs, outstanding debts, and daily living expenses. Replacing Lost Income If you are the primary breadwinner in the family, your income plays a crucial role in maintaining your family’s standard of living. Life insurance can replace lost income, ensuring that your loved ones can continue to meet their financial obligations, including mortgage or rent payments, utility bills, and educational expenses.

5 Must-Have Tech Gifts for Christmas 2023

As Christmas shopping gets increasingly hectic, knowing what to get for the tech lovers

in your life can feel impossible. New devices and gadgets hit the market daily, and following tech trends might not be part of your daily routine. Fortunately, 2023 has brought some standout innovations anyone would love to unwrap on Christmas Day. Noise Canceling Headphones Considered a modern staple, noise-canceling headphones are the perfect gift for a special someone who needs a break from the chaos and a way to focus. You can find a variety of headphones in different price ranges, so staying within your budget is easier. However, if you want to splurge, Bose Noise Canceling Headphones 700 are an excellent choice with crystal clear sound and over 20 hours of battery life. Smart Alarm Give the gift of a good night’s rest and a peaceful morning! Smart alarms have been a popular gadget this year, with features like white noise sound, artificial sunrises, Bluetooth speakers, and gentle morning wake-up calls. For a sleek design, try the Loftie Clock with its all-black look. For a faux sunrise to fill the room, go for Philips HF3670/60 SmartSleep. Self-Cleaning Water Bottle These days, everyone is carrying around their oversized water bottles. Let your tech-lover be ahead of the curve with a self- cleaning water bottle! These innovative bottles use UV-C LED technology to sanitize the water and the inside of the bottle regularly. The LARQ Bottle PureVis is a popular choice as it also can keep beverages cold for 24 hours. UV Phone Sanitizer Did you know your smartphone is 10 times dirtier than a toilet seat? This year, grab a UV phone sanitizer for yourself and your loved ones that can remove 99.99% of bacteria. The PhoneSoap Pro can clean your phone and other small items with its sleek design. Pet Camera With Treat Dispenser Do you know a tech lover who also dreads leaving their furry friend home alone? A pet camera strapped with a nifty treat dispenser might be their favorite gift of 2023! A small surveillance camera allows pet parents to keep an eye on their fur babies, and Petcube's Bites 2 also lets them dispense a small treat to keep their pets happy.

Vermost Insurance Now has a relationship with Chuck Chucri, who offers financial planning and investment

Did You Know ...

advisory services!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

Holiday celebrations are some of the most exciting moments for kids, be it trick-or-treating or tearing open Christmas presents. But properly celebrating New Year’s Eve may be a struggle for the little ones. If you’ve let your kids try to stay up until midnight in previous years, you may have experienced sleepiness, tantrums, and cranky mornings the next day, which isn’t the best way to start the new year. Well, this time around, you can be better prepared! Thanks to countless clever parents sharing their tips and tricks, we’ve compiled the most genius hacks that will make this New Year’s Eve not just kid-friendly but actually fun! A little secret won’t hurt ’em. Have you tried a faux countdown? You can save yourself the headache entirely by implementing a little white lie. Changing all the clocks forward isn’t exactly new, but now, with the help of streaming services and YouTube, you can make a bulletproof fake countdown. At your preferred bedtime, play last year’s New Year’s Eve countdown on the TV. Amp up the celebrations with a rowdy countdown, cheering, and glasses of sparkling apple cider! Then, bring the festivities to an end and get your kids ready for bed. It’s as easy as that! If they do stay up, make it fun! Of course, if you would rather stay up with your children, feel bad lying, or don’t think you could pull the wool over their eyes, then there are some creative ways to keep them entertained until midnight without a meltdown. • Number colorful balloons and let your children pop one every 30 minutes or hour. You can even fill the final balloon with confetti to celebrate New Year’s Day! • Have everyone dress up fancy to make your at-home party feel more like a New York celebration. • Create a bucket list together for everything you want to do in 2024. • Get outside and play with sparklers! • Every hour, turn off the lights, play a song, and crack some glow sticks for a dance party! • Make fun and easy party appetizers together. • Look through old photos and videos of the past year together. When you plan ahead, you can ensure that your kids have enough activities to make it to midnight without any hassle. Of course, the fake countdown is always an option too! Smart Strategies for a Kid- Friendly New Year’s Eve Party Make It to the Countdown Without a Meltdown

Covering Outstanding Debts Life insurance can help settle any outstanding debts you may have, such as a mortgage, car loans, or credit card debt. This relieves your family from the burden of repaying these financial obligations during an already challenging time. Providing for Children’s Education If you have kids, life insurance can secure their future education. It can ensure that funds are available for their educational needs, from primary school through college. Peace of Mind Knowing that your loved ones are protected by life insurance can offer invaluable peace of mind. You can rest assured that they will be able to navigate the challenging period following your passing without financial hardship. With affordable options and a wide range of policies, there is a life insurance solution for everyone. Contact us today to see how we can help you protect your legacy and loved ones for many years to come!

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1 (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.


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Toll free (800) 828-2226

Fax (727) 577-4991




We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2022. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winner of our 2022 referral program is Christine Taylor. She received a 55-inch 4K TV plus a $250 donation to charity of her choice. If you want a shot at the 2023 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Christine Taylor is our 2022 referral winner of the 55-inch 4K TV plus a $250 donation to a charity of her choice.


• $5 donation to our spotlight charity: H. Lee Moffit Cancer Center & Research Institute

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886


Wacky December Holidays

• Dec. 17: National Maple Syrup Day • Dec. 19: National Oatmeal Muffin Day • Dec. 20: Go Caroling Day • Dec. 21: Humbug Day • Dec. 22: National Date Nut Bread Day • Dec. 24: National Eggnog Day • Dec. 25: National Pumpkin Pie Day • Dec. 26: National Thank You Note Day • Dec. 27: National Fruitcake Day • Dec. 28: National Card Playing Day • Dec. 29: No Interruptions Day • Dec. 30: Bacon Day • Dec. 31: National Champagne Day

• Dec. 1: National Eat a Red Apple Day • Dec. 2: National Mutt Day • Dec. 4: Santa’s List Day • Dec. 5: World Trick Shot Day • Dec. 6: Saint Nicholas Day • Dec. 7: National Slime Day • Dec. 8: National Crossword Solvers Day • Dec. 9: National Pastry Day • Dec. 10: Dewey Decimal System Day • Dec. 11: National Noodle Ring Day • Dec. 12: National Ding-A-Ling Day • Dec. 13: National Cocoa Day • Dec. 14: National Wear Your Pearls Day • Dec. 15: National Underdog Day

Tasty Holiday Chocolate Mousse


Add even more cheer to the holidays with this decadent chocolate mousse.


• 10 oz semisweet chocolate, chopped • 4 tbsp butter • 4 large eggs, separated • 2 tbsp granulated sugar • 1/2 cup heavy cream

Directions 1. In a medium heatproof bowl, add chocolate and butter. Set the bowl over a saucepan of barely simmering water and stir until chocolate and butter are melted and blended, then remove from heat and let cool slightly. 2. In a medium bowl, beat egg yolks until thick. Then gradually add melted chocolate mixture, stirring until blended. 3. In a separate bowl, beat egg whites until foamy. Then gradually add sugar, beating until stiff peaks form. 4. In another bowl, beat cream until stiff peaks form; fold egg whites and then cream into the chocolate mixture. 5. Pour into individual serving dishes and chill for 3 hours or until set.

Sleigh Snowman Wreath Yuletide

Mistletoe Ornament Parka Reindeer

Chimney Christmas

Gifts Igloo

You can fax, email, or mail your completed puzzle for a chance to win our monthly prize!

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Toll free (800) 828-2226

Fax (727) 577-4991


1200 Belcher Road South, Suite 1 Largo, FL 33771 (727) 748-2886


You Make Us Happy

We Insure More Than Just Cars and Homes Here's a list of some of our lines of protection:

People who referred clients to us in October: Bob Grimes

Mike Stromsoc Marines Aviles Bob Grimes

James Allison Lesley Brown Tina Berger Michael Carter Linda Flores Barbara Dixon

Lesley Brown James Allison Sun Splash Pools Deborah Valentine Leah Hackney Julie Tipson I love the BURG Facebook

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder's risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Mary Rivera Jack Bittler Victoria Keller Massello Bob DeHaan Heather Parsons Fred Lumb Alena Shclarr Mike Abed June Frederiksen

Linda Lee Valentin Star Controls Inc Emmanuel Bizanos Dunedin Florida LLC Cathy Flynn Leeann Dugan Julia Beaudreau Mark Smith

October Puzzle Winner: This should have been you! October Referral Winner: Victoria Keller Massello

› Umbrella › Workers'


Sarah Housh Dewynn Cox

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

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