Score Big With Family-Friendly Touch Football Ready to tackle some family fun? Nothing beats a good old-fashioned game of touch football when the weather outside cools. It’s the perfect way to get everyone running, laughing, and scoring a few points — without needing to be a pro quarterback. So, grab some comfortable shoes, and let’s dive into the playbook for the MVP of family games! MAKE BALANCED TEAMS To get started, create two teams among your family, with at least two players on each team. While letting kids choose their teams is fine in most cases, remember that the more balanced the teams are, the more fun everyone will have. If you have an uneven number of players, you can follow an old playground rule and have one of the older players be the quarterback for both teams, ensuring everyone gets to play while the game remains balanced. Once you form teams, create the playing field by setting up small cones or beanbags to mark boundaries and end zones. FOLLOW THE RULES Before you start playing, ensure both teams agree on the rules. There are obvious ones, like where the end zones are, how many points a touchdown is worth, and how many downs each team has — either to get a touchdown or, space permitting, a first down. You also must determine what constitutes a player as “down” — when one or two hands touch the player with the ball, whether they need to be touched on the torso or anywhere, etc. You also have to decide if a team doesn’t score, whether the opposing team takes over from where the ball ended up, or whether each team has a set starting point for each drive. Once you prepare everything, it’s time to hit the field. You can determine which team gets the ball first with a game of rock-paper- scissors and play until one team reaches a predetermined score … or it’s time to go inside and enjoy a family meal. Remember, the best part of family touch football isn’t just the touchdowns — the laughter, teamwork, and fun make every play memorable. GET IN THE GAME
Understand Insurance Policies and Laws for Better Protection KNOW YOUR RIGHTS Most insurers bank on the fact that policyholders don’t understand every detail of their policy. The failure to grasp the full scope of your coverage and rights can lead to bad faith insurance practices. Educating yourself on your policy details and staying informed are Every insurance policy is a contract between the policyholder and the insurer, detailing the obligations and rights of both parties. It specifies what risks are covered, the limits of coverage, and the conditions under which claims are paid. These details can help policyholders ensure their claims are filed correctly and within the policy’s requirements. When you don’t know your policy completely, you’re more likely to face unwanted surprises down the line. For example, if a policyholder wrongly assumes their home insurance covers flood damage when it doesn’t, they may face unexpected financial difficulties after a downpour. HOW INSURERS TAKE ADVANTAGE Bad faith insurance practices can range from unreasonable delays in handling claims to outright denial of valid claims. Policyholders who are well-versed in their policy’s terms and the law are better equipped to recognize when an insurer may act in bad faith. This knowledge empowers you to take action, whether that means addressing the issue directly with the insurer or seeking legal guidance. Policyholders should take advantage of resources provided by insurers, such as policy guides and FAQs. Also, consulting with legal professionals who specialize in insurance law can provide insights into the complexities of policy agreements and help clarify any aspects that are difficult to understand. ALWAYS STAY INFORMED ON YOUR RIGHTS Staying informed about changes in insurance laws and regulations is equally vital. Regulatory changes can affect policy terms and policyholder rights, so keeping up to date is crucial for protecting yourself against potential breaches in your insurance agreement. Education is a powerful tool for policyholders. Understanding your insurance policy and staying informed about your legal rights are essential to protect you from potential bad faith practices by insurance companies and ensure you are fully aware of your coverage. Stay informed so you have the best chance of securing your rights and obtaining the full benefits your policies offer. crucial to safeguarding your rights. KNOW YOUR POLICY INSIDE OUT
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