Category Archives: Health Insurance

The Sweet Benefits of Your Dark Chocolate Valentine’s Day Candy!

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Valentine’s Day may leave some people feeling guilty; there is so much chocolate! We are here to tell you to feel guilty NO MORE! Indulging in dark chocolate is not only a great way to satisfy your sweet tooth but has a variety of health benefits.

So what are the benefits? Allow our Colorado insurance agency to tell you:

  • Dark chocolate has been proven to help lower blood pressure and cholesterol;
  • Dark chocolate is full of healthy antioxidants that are able to fight off heart disease;
  • Dark chocolate can help prevent heart disease by inhibiting the oxidation of LDL cholesterol;
  • Dark chocolate contains serotonin, a feel-good chemical that acts as an anti-depressant;
  • The level of serotonin may help eliminate pain for women during PMS;
  • The release of pleasurable endorphins and dopamine may increase sexual arousal and bliss;
  • Only 1/3 of the fat in dark chocolate is bad for your health. Much better than milk chocolate!

As long as you eat your dark chocolate truffles in moderation, you should stop feeling so guilty! The health benefits of dark chocolate are definitely worth the little indulgence.

Our Colorado insurance agency hopes you have enjoyed these health facts and we hope you come back for future tips! We always have health advice to offer and reliable health insurance, too. Do not hesitate to contact us for a free quote!

Until then, enjoy your Valentine’s Day and that dark chocolate rose!

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10 Easy Ways to Save on Coverage!

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This new year brings new initiatives and savings. Are you ready to save on policies in 2012? Many Americans are unaware of the minor changes and resolutions that can easily lower their insurance premiums. Luckily, our reliable Texas insurance agency has put together a quick list for you. Here are 10 easy ways you can start saving today!

  1. Plan to quit smoking. Your premium for policies such as life and health are determined by your risks. Smoking is one of the greatest risks and those who are hooked on cigarettes will have a significantly higher premium than those who do not. Stick to this resolution for multiple savings- your premium, your wallet and your life.
  2. Vow to eat healthier. Again, it all comes down to risks. If you are obese or have health issues, your premium is guaranteed to be higher. Find a healthy diet to follow and hit the gym. Losing weight is a great resolution!
  3. Bundle your policies. You may have a few policies with one company and maybe one or two with another. Your best bet is to find one company to cover it all with. By combining and bundling your policies, you will save on your premiums.
  4. Raise your deductible. If you can afford a higher deductible, go for it. You can save up to 25% or more by doing this.
  5. Ask about discounts. There is literally a discount for everyone. If you do not ask, you will not know. Some of the many discounts include: good student, low mileage, good health, safety features, mature, military, membership, etc.
  6. Avoid duplicating coverage. Do you have medical coverage on both your auto and health insurance plan? Figure out which one you can drop without a coverage gap. Many times, Americans actually have too much coverage.
  7. Increase your safety. Additional safety and security will help lower your risks. Lower risks equal lower premiums.
  8. Avoid paying monthly. Pay your bills every six months to a year if possible. When paying monthly, you will usually be paying a small additional fee.
  9. Clean up your credit. Many insurance companies will use your credit score to determine your premium. Make sure you are paying bills on time to keep your credit score up.
  10. Shop around. Never choose the first company you see on television. In order to get the best deals, it is best to shop around.

If you are ready to start saving money this year, these tips are sure to help you accomplish that goal…on the insurance end anyways! Be sure to speak with our Texas insurance agency on how you can start saving today, we would be happy to help!

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Sprinkle on the Healthy Holiday Spices This Thanksgiving!

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How are your dishes looking so far? Many Americans have already started to prepare for Thursday’s feast! For those who are cooking, we have a few spices to talk about. Did you know that many holiday spices not only add flavor but can add years to your life? As your trusty Texas insurance agency, we are here to inform you on the benefits in your spice cabinet.

Don’t forget to spice up your dishes with these healthy seasonings:

#1: Cinnamon. Go cinnamon crazy in your pumpkin pie! Just a half-teaspoon can help fight against bad cholesterol and aid diabetics in lowering their blood sugar. Cinnamon also increases blood and oxygen flow to the brain, keeping your brain sharp and raising memory levels.

#2: Nutmeg. This spice is sure to calm your nerves and anxiety this holiday season. Nutmeg is made up of myristicin, which is known to boost levels of serotonin, a relaxation inducing hormone. Sprinkle some nutmeg in your coffee, latte or even eggnog for a healthy dose!

#3: Allspice. Being known for relaxing your digestive tract and stomach makes Allspice a must on Thanksgiving Day. Sprinkle it on your sweet potato or candied yams.

#4: Ginger. Add some ginger to your life! This spice is known to work against pain, headaches and even migraines. Goodbye holiday headaches!

#5: Cloves. Cloves are packed with a powerful anti-inflammatory known as eugenol. Eugenol can reduce pain and swelling by up to 30%. It can also help ease the pain in your mouth, including teeth and gums.

#6: Peppermint. This soothing spice is not only delicious but helps settle the stomach and wake up the senses.

These holiday seasonings will not only enhance your dishes this Thanksgiving, but give a little health boost to all of your guests. Remember, you do not only need to use these spices only around the holidays, either. You can never be too healthy!

If you are concerned about your health or wellbeing, be sure to speak with a doctor. Our Texas insurance agency can provide you with great health insurance, so you do not have to worry about visiting fees and prescription costs.

Have a Spicy Thanksgiving!

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DIY: Slab Leak Prevention for Texas Homeowners

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As a Texas homeowner, you are probably well aware of slab leak issues. For those who are not: a slab is a leaking pipe inside or underneath the concrete of a foundation. While these leaks may happen unexpectedly and unknowingly, homeowners will eventually find out; whether he or she notices a wet spot on their floor or even feel a shift in the foundation.

If you are worried about a slab leak costing you hundreds of dollars, have no fear! Your Texas home insurance can be designed to cover the damages. However, we have even better news for you: there are ways you can prevent slab leaks in your home!

Here are a few options:

#1: Watch your water pressure. If your water pressure is too high, a pipe may accidently burst. Your water pressure doesn’t have to be painfully low- as long as you find a balance!

#2: Monitor the water’s pH level. Again, find a balance when it comes to your waters pH level. Levels that are too high or too low will have a corrosive effect on your pipes.

#3: Have a professional come in. Having a professional plumber come in and check your pipes every few years may be a good idea. This way, you will be able to monitor its status and track any changes or damages.

#4: Watch your use of chemicals. You may need that Drano to unclog your shower but be careful! Too many chemicals may have a negative effect on your pipes.

Maintaining your home’s plumbing is crucial in order to prevent slab leaks from happening. However, these prevention tips are not always going to stop Mother Nature. It is best to play it safe and make sure your Texas home insurance covers these types of damages!

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Wellness Tips: How to Stay Healthy this Season

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At Dagley Insurance, not only are we insurance experts who can help you navigate through important coverage decisions regarding your Texas home, auto and business needs—but we also pride ourselves in the ability to secure our clients reliable, comprehensive Texas health insurance policies.

Our policies are designed to provide coverage for things such as doctor visits, prescriptions, surgical prescriptions and so much more; but being the client-focused, community-centered agency that we are, we want to take this time to consider your overall well-being.

Whether you suffer from seasonal allergies, or simply find yourself prone to the common cold, below you will find some great tips to help you stay healthy during this cold and flu season:

Eat Well

Your best shot at staying healthy throughout the winter season – or all year long for that matter – is to make sure you are consuming vitamin-rich foods. It’s recommended that you consumer at least 3 servings of vegetables each day, 2 servings of fresh fruit and at least 2 servings for milk or yogurt. Try to incorporate whole grains whenever you can too!

Wash Your Hands

Such a simple ritual can help you battle cold and flu germs, so make sure to wash your hands with hot soapy water every time you use the bathroom and before every meal. Make sure to scrub your hands for at least 60 seconds to really kill any potential viruses and bacteria.

Get Plenty of Sleep

It’s best if you create a consistent bedtime routine to get you in the habit of getting into bed early and taking full advantage of sleep. My staying on schedule and getting your recommended 8 hour a night, you help your body recharge and prevent yourself from feeling rundown.

Take a Multi-Vitamin

Again, this simple daily ritual plays an integral role in keeping your body healthy, so make sure you get into the habit of taking a once-daily multi-vitamin!

Although theses may seem like very basic, common knowledge, sometimes we all need a little reminder; and keep in mind that you are in need of a reliable TX health insurance plan, or simply want to review your current coverage, give us a call, we’d be happy to help! All of us at Dagley Insurance are wishing you and your loved ones a happy and healthy winter season!

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