If you’re a senior citizen, it’s a mistake to buy a life insurance policy before you weigh the costs of coverage against the benefits it will provide for you and your heirs. When you’re an adult with a spouse, young children or others who depend on you, it makes sense to have a policy that will replace your income if you die. As you age, however, life insurance quotes can become prohibitively high.

Is there ever a point when life insurance is so expensive that it’s no longer is appropriate?

“The short answer is yes,” says Matt Rowles, a director in advanced marketing for individual life insurance at Prudential Financial. “Old age and poor health will certainly drive up the cost of insurance. If it drives it to a point where it makes little financial sense, that is probably the point where life insurance is not appropriate.”

Sometimes its best to take a step back, take a deep breath, and totally assess the situation. Luckily for you, were here to help you in every sense of the word. Contact us to review your life insurance plans and any other questions you may have regarding the insurance industry.

If a pipe freezes:

To prevent a frozen pipe from bursting, open the faucet it supplies with water. Then add heat to the area where the pipe is located. (Do not use an open flame device).

The good news is that 15 minutes of snow shoveling counts as moderate physical activity, according to the Surgeon General’s Report on Physical Activity and Health (1996). We all should aim for at least 30 minutes of moderate physical activity of some kind on most days of the week.

A 170-pound person shoveling for 30 minutes will burn about 250 calories. Brisk walking or social dancing are other ways to fit in moderate physical activity during cold winter months.

The bad news is that researchers have reported an increase in the number of fatal heart attacks among snow shovelers after heavy snowfalls. This rise may be due to the sudden demand that shoveling places on an individual’s heart. Snow shoveling may cause a quick increase in heart rate

and blood pressure. One study determined that after only two minutes of shoveling, the heart rates of sedentary men rose to levels higher than those normally recommended during aerobic exercise.

Shoveling may be vigorous activity even for healthy college-aged students. A study performed by researchers at North Dakota State University determined that, based on heart rate, shoveling was a moderately intense activity for college-aged subjects most of the time but was vigorous activity during about one-third of their shoveling time of 14 minutes.

The weather can make shoveling more difficult. Cold air makes working and breathing hard, which adds some extra strain on the body. Shovelers also are at risk for hypothermia, a decrease in body temperature, if they are not dressed correctly for the weather conditions.

This information is not meant to scare you into going out and buying a snow blower. Homeowners on Long Island usually don't have that much driveway and sidewalks so the task is not that demanding. If snow should turn to ice, be very careful and remember to lay down salt for walkers. Its absolutely crucial to make sure your homeowners insurance is updated. Enjoy the snow.

Although the Winter may seem warmer than usual, the snow is inevitable. Will you be snow plowing this year? Don't let the snow catch you off guard. Call us today for a quote on your Commercial Auto insurance.