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NEWS/TIPS

Water Safety:

Did you know that as of 2004, New York State has made it mandatory for any operators of a jet-ski to hold a current boater safety course certificate. Your family can take the course as a day event and will help bring understanding of the rules and safety issues that are misappropriated from time to time.

Summertime fun in your home:

With the nice weather here, its time to make sure your home has its extreme makeover before the summertime ends. Preventive measures for your home's future is the best way to avoid a claim.

• Cleaning out your gutters from leaves and debris will keep the moisture from growing.
• Watch out for the birds nesting in your dryer or roof vents.
• Trimming and pruning your trees will help any future mold build-up on the roof and this will keep the life span of your current shingle to its warranty.
• Repairing any cracks in your sidewalk or driveway will help the longevity of the pathways. This will help you maintain a safe environment for your family and friends to walk on.
• Also look for loose handrails or steps to avoid any slips or falls.
• When washing your windows to enjoy the beautiful sunshine, check for any cracks that are in need of repair or caulking around the perimeter.

When hiring a contractor for your work, we recommend to secure that they maintain a current certificate of insurance showing workers' comp and GL at a minimum of at least $1,000,000 before you authorize the work to start.

WAY$ TO $AVE MONEY ON YOUR IN$URANCE PREMIUM$

• Teens who earn a "B" or better high school average may be eligible for a 'good student discount' up to age 22
• College students 100 miles or grater from home may be eligible for a 'distant student discount'
• Available safety course discounts for successful completion of defensive driving, boating and recreation vehicle classes
• Automatic seatbelts, driver & passenger airbags and vehicle safety features such as anti-lock brakes and anti-theft devices
• Package all insurance policies with the same carrier
• Home, auto, and business alarm credit for central station response
• Make certain all information the insurer has about you is accurate
• Raise insurance policy deductibles

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Group Products

MGM Associates Insurance, Rochester NY, offers a full line of comprehensive group insurance products. Choose from health, dental, vision, life coverage and more.

401 (k) -

The preferred method of saving for retirement. The plan offered through our carriers offers access to a wide range of funds at various levels of risk / return.

Dental -

A very popular employee benefit providing 100% Preventive Coverage and partial reimbursement for most other dental procedures.

Life -

For individuals and their families or as a group benefit through an employer. Many plans are available on a "guaranteed-issue" basis.

Long-term Disability -

Could be the difference between lifestyle adjustment and foreclosure. Group plans provide salary replacement to provide peace-of-mind.

Medical -

For individuals and their families or as a group benefit through an employer. Many plans are available on a "guaranteed-issue" basis.

Pension -

Traditional plans available to provide rich benefits and encourage employee longevity.

Voluntary Plans -

Almost any type of coverage is available to be offered on a payroll deduction basis, from life insurance and catastrophe illness plans to auto and homeowners.

Short Term Disability -

Frequently used benefit, especially for maternity. Coverage options range from statutory levels to benefits closely mirroring net pay.

Vision Care -

Plans that provide discounts for eye exams,
glasses, etc.

Contact us today to get a free group products insurance quote.

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