How to Face Changes in the Insurance World The insurance world is undergoing massive changes — here’s what we know! Insurance carriers in states such as California, Florida, Louisiana, and Texas are enacting a car, or obtain medical care is higher now than ever. However, you can do a few things to help navigate the current insurance market. An Insider’s Look:
comprehensive halt on issuing new policies nationwide. Some carriers are even leaving the market entirely or merging with others due to the difficulties of operating profitably in this inflationary environment. Some carriers are placing pauses on businesses or a stop on writing new policies, while others require premium payments in full for new businesses or will not reinstate coverage if it lapses, no matter the reason. This market disruption will impact everyone — it’s not a matter of if but when. Premiums increased dramatically, often doubling or tripling compared to
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Consider higher deductibles to help save money on your policy. Leverage safe driving telematics programs to receive a discount for “good” driving. Have your agent conduct discount reviews to ensure you’re getting everything you are entitled to. Do not let your policy cancel or lapse. Bundle your auto and home insurance for more discounts and stable pricing. Keep in mind that tenure matters. Jumping from company to company can negatively impact your pricing. Follow the law when driving to avoid traffic tickets, which can add points to your license. Purchase your insurance from an experienced insurance professional who is prepared to help you make informed decisions.
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the previous year. In some cases, carriers cannot secure rate increases, pausing some business’s operations. If you have auto or home insurance, you’ve likely noticed a spike in your rates, and if not, it’s likely to happen soon. The cost to rebuild your home, repair your
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COACH’S CORNER
At Lewis American Family Agency, while we can’t control the rates, we aim to educate and guide your insurance choices! Let us use our experience and expertise to help you during this turbulent time!
“The harder you work, the harder it is to surrender.” -Vince Lombardi “It’s not the will to win that matters — everyone has that. It’s the will to prepare to win that matters.” -Paul “Bear” Bryant
Jalapeño Popper Mac and Cheese Inspired by TheModernProper.com
INGREDIENTS
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2 sticks butter, divided
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2 tsp salt
1/3 cup flour 5 cups milk
2 tsp garlic powder
1/2 tsp pepper
8 oz cream cheese
1 lb bacon, chopped and cooked
3 cups shredded white cheddar cheese, divided 4 cups shredded pepper jack cheese, divided
“Success is no accident. It is hard work, perseverance, learning, studying, sacrifice,
8 jalapeños, seeded and chopped
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1 lb macaroni, cooked 1 cup panko breadcrumbs
and most of all, love of what you are doing.”
DIRECTIONS 1.
Preheat oven to 375 F.
2. In a large saucepan, melt 1 stick butter over medium heat. Add flour and whisk until fully absorbed in butter. Whisk in milk slowly. 3. Once sauce thickens, stir in cream cheese and shredded cheese until melted, reserving 1 cup of each shredded cheese. Add seasonings, bacon, and jalapeños before removing from heat, then combine pasta and sauce. 4. In a small skillet, melt remaining butter and stir in panko. 5. In a greased baking dish or skillet, add macaroni and top with panko and remaining cheese. Bake for 30–40 minutes and serve warm.
-Pele
“Champions keep playing until they get it right.” -Billie Jean King
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