We recommend that the individual’s policy be noncancelable, meaning that the insurer cannot alter any term of the policy, including the premium. They also cannot cancel it for any reason. The policy should also include an own-occupation provision stating that a policy will still pay benefits even if the policyholder is well enough to earn income doing other types of work. Lastly, one should consider having a 90-day elimination period, meaning that it will begin paying within 90 days of a disability occurring. In our world, the unexpected isn’t uncommon. Protect yourself today! Call us for more information — we’ve got you covered!
Celebrate Valentine’s Day With Your Little Sweethearts Valentine’s Day isn’t just for adults. Let your kids know they are the most important loves in your life with these sweet, inexpensive ideas that the whole family can enjoy! Your children will remember these traditions for years to come. Make a special Valentine’s Day breakfast. Guess what? Pink pancakes, pink milk, and even pink eggs are a thing! With strawberry milk, food coloring and strawberries in the pancakes, and food coloring in the eggs, you’ll have an effortless and special breakfast for the little ones. Tip: Set the table the night before, after the kids go to bed, to make serving Valentine’s Day breakfast easier the next morning. CreateValentine’s Day cards for each kid. Tell your children all of your favorite things about themwith their own personalized cards. There are so many ways you can get crafty with construction paper and glitter. Your kids are sure to love getting mommy-made or daddy-made one- of-a-kind valentines. BakeValentine’s Day goodies together. What’s better than baking with your little ones? If you are short on time, you can find premade dough, usually with a Valentine’s Day theme. Or, you can try out your skills with heart-shaped cookie cutters and sprinkles. It can get messy, but it’s certainly worth it! Wrap up a small Valentine’s Day gift. Whether it’s a Valentine’s Day outfit, candy, a teddy bear, or a necklace, it doesn’t have to be big or costly! Your children will enjoy feeling the love, and they’ll be excited to get something new. Don’t forget to have fun with the wrapping! Most stores have Valentine’s Day gift bags and wrapping paper around this time of year. Your baby valentines have stolen your heart — make sure they know it by spreading the love! Happy Valentine’s Day!
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Planner The Prudential Insurance Company of America Prudential.com/advisor/chuck-chucri Our financial advisors offer investment advice, and some may offer financial planning. 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. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
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