Archive for the ‘Texas’ Category

The Best Valentine’s Day Gift for Your Spouse: Protection!

Jan 30th, 12 / 0 Comments

Only two more weeks until Valentine’s Day! For all those who are married, what will you be doing for your spouse this year? Year after year… it may get hard to keep coming up with great ideas. Honestly, it probably does not take much to make your significant other happy. Dinner and some chocolate will most likely suffice! However, if you are looking to take your gift a step further this year, may we suggest the gift of protection?

At Dagley Insurance and Financial Services, we believe that life insurance is a gift. Unlike other policies, this is coverage designed for your loved ones more than it is for yourself. If you are not already covered, now is the perfect time. What if something should happen to you? Without life insurance, your spouse would be left to fend for themselves (bills, mortgage, final expenses, etc.) That doesn’t sound so romantic, does it?

Of course, there are other ideas too. Here are a few that we believe your spouse will enjoy!

  • A homemade card
  • A flower arrangement
  • Take chocolate to the next level with Personalized M&M’s
  • Fine jewelry
  • Tickets to a show/concert/sport event
  • Fragrance
  • A CD mix of all their favorite songs

So what are you waiting for? Are you ready to give the gift of protection this year? Be sure to speak with our Texas insurance agency about your options and even ways to receive the lowest possible premium. We would love to help.

Good luck finding that perfect gift!

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Life insurance, Texas, Tips

10 Easy Ways to Save on Coverage!

Jan 10th, 12 / 0 Comments

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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Auto Insurance, Dagley Insurance, Health Insurance, Home Insurance, Insurance Discounts, Life insurance, Texas, Tips

This Year, Save Money on Your Business Insurance!

Jan 3rd, 12 / 0 Comments

Are you ready to start saving in 2012? Let’s start with your business insurance! As your reliable Texas insurance agency, we have a few tips to offer.

Here are five ways to save on your business insurance:

#1: Choose a higher deductible. By choosing a high deductible, you may need to pay extra once an accident occurs, but your premium will be lower. Many businesses can afford the higher deductible.

#2: Take advantage of group rates. The bigger the group, the more savings! If you are a part of an organization, you can often get a group rating. Be sure to check with your local chamber of commerce!

#3: Improve safety in the workplace. Having extra safety features such as training programs and even a security system may help reduce your premium. Make sure your agent knows about these features!

#4: Reduce your coverage. Sounds weird, right? However, while your company needs coverage that does not mean that it needs EVERY single policy. Make sure you speak with your Texas insurance agency about putting the proper coverage in place without overdoing it.

#5: Consider relocation. Many times, your premium will be based on the location and area you are in. If your company is based in a high-crime or risky area, the premium will be much higher. It may be time to relocate!

There are always ways to save on your business insurance premium- you just have to do the research and make the proper changes. Good luck!

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Business, Dagley Insurance, Insurance Discounts, Texas

Sprinkle on the Healthy Holiday Spices This Thanksgiving!

Nov 22nd, 11 / 0 Comments

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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Dagley Insurance, Health Insurance, Texas, Tips

Should Your Restaurant Buy Organic This Season?

Nov 21st, 11 / 0 Comments

As a restaurant owner, you know how important it is to prepare for the busy season ahead! Between catering parties and changing up your menu, you are sure to be busy. However busy you may be, it is never too busy to make sure the quality of your food is nothing less than perfect. Has your business considered buying organic?

Buying organic ingredients for your kitchen is an easy way to perfect your best dishes. Here are a few reasons to go organic:

-Organic meat is healthier and fresher. The animals are raised in an organic and humane environment, which makes the meat much better for you!

-Shows customers that you care. By investing more money into organic products, you are showing your customers that you care about the quality of your ingredients.

-You protect the environment. The more people support organic products, the larger step we take towards saving our environment. The less chemicals the better!

-Support your locals. Restaurant owners can decide to buy fresh meat, eggs and other ingredients from a local farmer. This is a great way to team up with your community!

-Increase your profit. Sure, the products may be more expensive, but you will make up for your extra costs when it comes to sales. Americans are beginning to choose organic restaurants over chain restaurants.

With the holidays right around the corner, there is no better time to go organic! Your customers deserve the quality meal that they pay for. Going organic is a great way to show them that you are serving grade-A dishes.

In order to protect your fresh products, it may be a good idea to look into our restaurant liability insurance. Here at Dagley Insurance and Financial Services, we believe that the best restaurants deserve the best coverage. With this specialized policy, you will be covered from: general liability, kitchen equipment, food spoilage, liquor liability, workers compensation and much more.  Coverage during such a busy time is crucial; the last thing you need is an issue during the holidays!

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Business, Restaurant Insurance, Texas, Tips