Reasons to be THANKful 2013

It’s been a while since I posted something. I’ve been going through some changes in my life these past few months… Good changes (insert smile here). Not sure if the changes are from me getting older but lately, I’ve been reevaluating my life, tuning out some “outside noise” and really focus on what’s important.

One thing I’ve learned about myself is Thanksgiving happens to be my favorite holiday. Yes, more thank Christmas, Halloween, Easter… The older I get, the more I reflect on what I’m really grateful for.  My amazing career, my awesome family (I’m sure you see my mom’s comments of Facebook), supportive friends, and overall, everything that I have in my life and home.

2013 is definitely a very momentous year. I proposed to life partner/soul-mate, starting to set roots at my new home, and work continues to be very rewarding.  This year, my company, HMBD Insurance, decided to do something amazing for Thanksgiving. My team and I had a very challenging goal… Help feed 100 needy families.  This hits home for me.  You see, I never really experienced a true Thanksgiving meal with my family. We went to our relatives for the holidays but my mom, brother and I never really had our very own Thanksgiving holiday. I didn’t know how to prepare the turkey, fixings, etc. until one night, it finally happened… It was magical…

Because of my past experience, I know what it’s like not having the means to have a Thanksgiving dinner.  We really didn’t have much growing up. I was raised by a single mom who did everything she could for my brother and I. She provided us the important necessities that we needed in life… something that I’ll always be thankful for.  So this year, I told myself, it’s going to be the BEST THANKSGIVING EVER!

Two years ago, my company collected 25 frozen turkeys for the women’s shelter. This year, we’ve partnered up with Food Finders and Long Beach Basket Brigade. We’ve collected donations from our friends and clients to help assist these organizations. I’m happy to report to you that we’ve collected enough monetary donations to purchase at least 75 turkeys, collected 18 additional turkeys, and 7 box full of dinner fixin’s! The most we’ve ever done!

This year’s accomplishment reminded me why we’re here on this earth… I believe that we’re all here to make a difference on each other’s lives.

  • I am thankful for my mom and dad who me how to love
  • I’m thankful for my brother who taught me how to share
  • I’m thankful for my friends who taught me compassion
  • I’m thankful for my amazing life partner for teaching me trust and support
  • I’m thankful for my dog, Fred, for teaching me unconditional love
  • I’m thankful for my office family for teaching me TEAMWORK!
  • I’m thankful for my clients for continuing to support my crazy ideas
  • I’m thankful for this world for teaching me my life’s purpose.

May your Thanksgiving holiday be filled with warmth, love, and FAMILY MEMORIES!

Compromising Protection For Savings Is Never A Good Idea

I wanted to take the time and really invest on this post because of a scary event that happened to one of ex-clients. She called me yesterday because she wants to leave her current agent (the one that she left me for) two years ago. She sounded very upset at her current agent because of what he’s done. Let me give you a brief history of our relationship…

I’ve known “Grace” for over 8 years now and used to insure her auto and home insurance 6 years. Exactly 2 years ago (2011), she called me crying to deliver bad news. I asked her why she was crying. She told me that she found another insurance agent that is saving her $363.00 a year on her auto ($193 savings) and home ($170 savings) insurance combined. She said that she met this agent at a mixer and seemed like a nice fella, new to the business, and offered to check what he can do for her.  Let’s just say that he works for the insurance company that currently has a professional athlete featured in their commercial.  I told “Grace” that I was sad that she was leaving me but I understand that the economy has hurt her a lot and she needs to save money because of her hours being cut at work.  For the past 2 years, Grace and I remained good friends and often meet for lunch or I would visit her at the restaurant where she works.

So back to what happened yesterday… Grace was upset at her current agent because she was involved in an accident. She accidentally rear-ended the car in front of her and caused a multi-vehicle collision. 3 cars were involved not including hers.  Long story short, she was upset at her current agent because she didn’t realize that he offered her much less insurance coverage than what I originally insured her at. Plus, her deductible for her car is twice as much more than what she had when I insured her. Her claims adjuster informed her that she would have to pay approximately $4,000 out of her own pocket for damages to the other cars because it exceeds the amount of coverage that they’re willing to pay and $1,000 (deductible) for her car.  On top of that, they are unable to provide her a rental car because she did not have that coverage at all. She was furious. I told her unfortunately, I’m unable to intervene because I’m not her agent but I would be more than happy to provide her guidance since she is a friend. Oh, she also realized that her home insurance deductible is also 10 times more than what she had with me. OUCH! Her current agent does not return her calls as much and she said that it seemed like he didn’t know what to say or how this even happened.

It seems like with today’s economy and the consumers being bombarded by commercials about saving money but not realizing that there may be a situation where one might have to sacrifice their protection.  In Grace’s situation, she is now dealing with having to pay over $5,000 out of her own pocket and compromised $16 a month for more protection. Tough pill to swallow.

Historical figures prove that during a struggling economy, claims increase… that people are more likely to file lawsuits.  If you can save money without having to sacrifice your protection (heck, if you can get more protection) go for it! Don’t ever compromise your peace of mind.  Before you switch, make sure you do your homework and see if:

1. the insurance company you’re switching to is reputable.

2. your insurance agent is knowledgeable, experienced and have a team of professionals and is knowledgeable just as he/she is.

3. ASK QUESTIONS!!! Ask your agent “What If…” questions!!!

Thanks for reading!

Glenn Agoncillo is one of the principals (Vice President) at HMBD Insurance. He’s received several insurance and professional award recognition and is a public speaker at insurance conventions. With over 17 years of insurance knowledge and experience, Glenn Agoncillo continues to be an advocate for consumers.

Refer A Peep Spring 2013

Back by popular demand!
You asked for it so I’m bringing it back. That’s right!

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Simply have your peep fill out the form below and I’ll make sure to roll out the red-carpet service for your friends and family!

3 Tips For Safe Driving In the Rain

I just looked out the window and it’s raining. Gawd, I love the sound of the rain.  We all know it doesn’t rain much in So Cal but when it does, we usually see lot of madness on the road.

Just wanted to take the time and give you some helpful tips before you hit the road…

Tip #1

Windshield Wipers – We rarely use windshield wipers in CA since it never really rains. Check and make sure your windshield wipers are in great working condition. Wiper blades that are in bad condition can’t clear the water from your windshi

eld and may very well distort your view.  Oh, and don’t follow huge semi-trucks… they’re notorious for splashing huge waves of water on your windshield.

Tip #2

Tires… Tires… Tires… Oh My! – Are your tires balding? Just like the song “Nobody Walks in LA…” it’s true. We all drive to the grocery store down the street and use our cars for everything. So Cal drivers put so many miles in their cars and rarely check their tires.  Bald tires + reduce traction on wet roads = HYDROPLANE.

Tip #3

Turn On Your Headlights – Yes, it’s really simple. Turn it on! It’s a good way to let other drivers know where you’re at. We all get distracted with our cell phones, Pandora music, etc. and everyone looks the same on the road when it’s raining. Turning your headlights on is a great way to stay safe and allows pedestrians know where you’re at.

Thanks for reading my blog and drive safe!