Promote Men’s Wellness in Your Workplace

Men’s Health Week is Coming up!June is Men's Health Month

On June 15th – 21st, promote healthy lifestyles in your workplace to maintain a robust wellness strategy.

Get the Wellness Screenings You Need

Screenings are an important part of your healthcare and lifestyle. Make sure you are up to date with your age specific requirements.

Here are common screenings you should get:

  • Abdominal aortic aneurysm – If you are between the ages of 65 and 75 and have ever been a smoker, talk to your doctor or nurse about being screened for abdominal aortic aneurysm (AAA).
  • Colorectal cancer – Have a screening test for colorectal cancer starting at age 50 (or earlier if you have a family history of colorectal cancer).
  • Depression – Your emotional health is as important as your physical health. Talk to your doctor or nurse about being screened for depression, particularly if recently have felt down, sad or hopeless or have little interest or pleasure in doing things you once enjoyed.
  • Diabetes – Get screened for diabetes if you blood pressure is higher than 135/80 or if you take medication for high blood pressure. Diabetes (high blood sugar) can cause problems with your heart, brain, eyes, feet, kidneys, nerves and other body parts.
  • High blood pressure – Starting at age 18, have your blood pressure checked at least every two years. High blood pressure is 140/90 or higher, and can cause strokes, heart attacks, kidney and eye problems, and heart failure.
  • High cholesterol – If you are 35 or older, have your cholesterol checked. High cholesterol increases your chance of heart disease, stroke and poor circulation.
  • Lung cancer – If you are between the ages of 55 and 80 or have a history of smoking, check with your doctor about getting screened for lung cancer.
  • Overweight and obesity – The best way to learn if you are overweight or obese is to find your body mass index (BMI). You can find your BMI by entering your height and weight into a BMI calculator.
  • Immunizations
    • Get a flu shot every year.
    • Check the recommended vaccines for your age here.

You know your body better than anyone else. Always tell your doctor or nurse about changes in your health, including your vision and hearing. Ask them about being checked for any condition you are concerned about (such as prostate or skin cancer), not just the ones listed here.

Get Healthy, Stay Healthy.

What can I do as an employer?

  • Promote a “Wear Blue” day –Maybe the Friday before Father’s Day?
  • Make brochures and information available to them regarding Men’s Health issues and prevention guidelines.
  • Host a picnic, healthy lunch, seminar, or sporting event to celebrate the awareness of Men’s Health.

Source: The U.S. Department of Health and Human Services, Agency for Healthcare Research and Quality



6 Ways to Protect Your Home During Vacation

Protect your home and relax.

A safe home, will leave your vacation worry free.

Florida! The land of vacation destinations! Going on vacation is a great way to relax and take your mind off the daily grind. Don’t let the excitement of an upcoming trip prevent you from securing your home against burglars. Consider the following tips:

  1. Make sure all outdoor lighting works properly. Replace any batteries or bulbs if needed.
  2. Have a friend, family member or neighbor check on the house often and collect mail. Also consider having someone mow your lawn, if necessary.
  3. Place automatic timers on your lights and set them for different times in different rooms. This will give the impression that you are home and doing things in those rooms. Also consider setting a radio to a timer so that thieves are deterred by voices in the home.
  4. Do not leave your valuables such as jewelry, art work or electronics sitting out in plain view. Hide these items in inconspicuous places such as old laundry detergent boxes.
  5. Take a photo inventory of each room of the house before you leave in case there is a loss.
  6. Try not to be too specific when posting about your upcoming trip on social media sites. Exact details will give criminals plenty of information about the perfect time to break in. Resist the urge to “check in” to your vacation destination. Nothing says your not home like a check in from miles away. (This is also a good tip for anytime you are out of the house.)

As always, check to make sure your homeowners insurance coverage is up-to-date before the trip. Contact you W3 advisor if you have any questions about your homeowners insurance.

Sedentary Lifestyles – Is Sitting the New Smoking?

Sedentary lifestyle getting you down?

Have you heard? Sitting is the new smoking….

I am not sure where this tagline started, but it sure does get your attention. Dr. James Levine from Mayo Clinic at  Arizona State University is credited with the mantra and he has lots of research to prove it. Have you heard of the treadmill desk?  Dr. Levine invented it to combat the adverse effects of our sedentary lifestyles.

You may be a non-smoker, exercise after work, and eat healthy so you think you are healthy, but if you sit for hours at a time without a break you are still at risk of serious illnesses like diabetes, cancer, muscle-skeletal issues, depression, and heart disease. The risks increase with every two hours of sitting without a break and we are not just referring to your desk chair. According to The Active Times, we spend more time sitting in our cars, watching TV, playing video games, or playing on our electronic gadgets (like cell phones and tablets).

Are you sitting yourself to bad health? You can be pro-active and reading the health risks is your first step.  Now institute these breaks into your everyday life to get you out of that sedentary lifestyle and create a healthier you:

  • Take a break every hour, something as simple as walking to the water cooler, stretching at your desk, walk around the block on your lunch hour.
  • Use a stand up desk or treadmill desk. (check out Pinterest for ideas to make a homemade stand up desk –and make sure it is approved by HR.)
  • At night, while watching TV start to use the commercial breaks for stretching breaks. At every commercial stand up and stretch, jog in place, etc.
  • If you ride on public transportation, stand instead of sitting.
  • Put down the cell phone and get some exercise. Make a “no-electronics” time that so you get active and disconnect, even if it is for 5 minutes, twice a day.

You need to get the blood flowing and your muscles stretched at least once every 60 minutes.  Another reason for the smoking analogy is that  sitting and smoking both have non-reversible effects as multiple studies have shown.  So, are you standing yet?

National Flood Insurance Program vs. Private Flood Markets

INational Flood Insurance Program vs. Private Flood Marketsf you are like many other Floridians, the cost of flood insurance is always on your mind. Coastal areas of Florida already face high flood insurance premiums, but with more increases on the horizon, it helps to have a trusted advisor there to answer questions.

We encourage our flood policyholders to renew without a lapse in coverage. Once a policyholder leaves the National Flood Insurance Program (NFIP), there is a 30-day wait to return. In addition, if you considered leaving the NFIP to be rewritten with an insurance company that is not a recognized NFIP insurance company, your status with the NFIP is broken. For instance, if you went to a UK market for flood insurance this year and later  wanted to return to the NFIP program, your flood insurance premium would be based on current actuarial rates and any revised flood maps would be used. This could result in a drastic premium change for the policyholder. Not all Private Flood Insurance markets are equal. It is important to review the policy forms since private flood insurance policies are not guaranteed to renew like the NFIP. Finally, the lender does not always accept private flood insurance.

Speak to one of our Personal Insurance Advisors to learn more about what is right for you and your home. Call us today at 727-522-7777.


Children’s Life Insurance: Insuring Their Insurability

Children’s Life Insurance

Parents all over the world have one thing in common; we love our children more than we love ourselves. The smiles that melt your heart, the injuries that make you want to kiss away the pain—we would do any and everything to protect our precious little ones. What about insuring them for the unthinkable? No parent wants to think about their child becoming ill, or worse. As responsible parents, our duty is to prepare for all possible outcomes.

When a parent purchases a child life insurance policy early in life, they are ensuring their child’s insurability. Buying life insurance on a child will remove the following obstacles, each of which will increase their rates or even render them uninsurable if they were to apply once they were older.

  • Developing an adverse medical condition
  • Tobacco use
  • Avocation & Occupation factors
  • Family History – heart disease, cancer, etc.

Children who develop medical conditions will most likely not qualify for life insurance policies later in life, or, at the very least, their premium will increase. Juvenile diabetes is an excellent example. Many who are diagnosed before the age of 10 are now uninsurable. Your children may one day thank you for allowing them to have their own life insurance policy in the event they do become uninsurable. We have a client who shared a story about how her parents purchased a life policy for her when she was a child. Five years ago she had a kidney transplant which left her ineligible for life insurance. She had her first child last year and now, because of the life policy her parents purchased for her, she has protection for her income. Her parents never thought a simple decision made thirty years ago would have helped her in such a profound way.

Policies start at $10 a month for children below 5 years old. Protect your child’s future by calling Abbey Bowersox at 727-522-7777 today.