R&R Insurance Blog

The emergence of Spring after a long Winter (which in our area feels more like an eternity of arctic-comparable misery) means many things: birds chirping, life's renewal, flowers blooming, and the scary stuff... thunderstorms. On one hand, thunderstorms bring heavy rainfall that washes away the snowy remnants of months past. On the other hand, they often arrive with a dangerous foe we call lightning.

Ted Marino, resident of Brookfield WI and an R&R customer since 1984, explains the peace-of-mind he had immediately after his home caught fire from a lightning strike during a storm in 2010. Ted and Chris escaped without harm, but their house was another story...

Technically speaking, lightning is an electrical discharge caused by an imbalance of negative and positive charges. Thunderstorms often result in the storm clouds becoming negatively charged due to various colliding water particles, while objects on the ground become positively charged. In an attempt to rebalance this, electrical currents pass between the negatively and positively charged entities –producing bolts of electricity and heat that are both fascinating and incredibly dangerous.

Stay safe when lightning strikes:

• If you hear thunder or see lightning, move to a safe shelter (such as a building or metal-topped vehicle with the windows closed)
• If you are in or near a body of water, get out immediately!
• Stay off any electrical equipment (such as corded phones and computers)
• Steer clear of objects that conduct electricity (such as golf clubs, barbed wire fences, power lines, and windmills)
• Keep away from high points of elevation

When it comes to lightning, an alarming number of people believe the myth that “lightning never strikes the same place twice.” In fact, lightning can and will strike the same place twice (National Geographic reported about 100 strike earth’s surface every second) and at temperatures up to five times hotter than the sun!

Wisconsin residents can have the same peace-of-mind that the Marino's experience. Contact knowledgebroker Dan Wolfgram for more information about personal insurance options through R&R Insurance Services.

Frank Staab and Faith Harrington-Staab, residents of Elkhorn, WI and an R&R customer since 2006, talk about the trauma involved with watching your home go up in flames. The concerns for their family, their belongings and what to do next were top of mind for R&R Insurance and their insuring carrier. Watch their quick story...

Wisconsin residents can have the same peace-of-mind that the Staab's experienced. Contact knowledgebroker Dan Wolfgram for more information about personal insurance options through R&R Insurance Services.

Surveys tell us that half of all American households have no life insurance other than a group policy at work. Most people say they know they need more life insurance protection for their loved ones, but haven’t done anything about it. Here are the leading reasons people give for not having life insurance. Does this sound familiar?

1. Don’t know what I need to buy.
   There are no dumb questions when it comes to providing protection for your loved ones. R&R Insurance offers free advice, no obligation.
2. Don’t think I can afford it.
   High price is a common misconception about life insurance. As average life span continues to get longer, life insurance rates continue to decline. A 25-year-old male can get $250,000 of term life insurance for as little as $17 per month. Term life for a healthy 45-year-old would cost about $31 per month. A 65-year-old male could get $10,000 of final expense coverage for $49 per month. Female rates are generally even lower.
3. Haven’t gotten around to checking into it.
   Time will cost you money. Every birthday that you have without putting a policy in place will raise your rates. Basically, the younger you are, the more affordable your policies will be.
4. I am immortal!
   Really! We hear it all the time - but reality is that none of us are. Our staff hears startling examples of totally unexpected and untimely deaths all too frequently. The best time to buy life insurance is when you are healthy, while coverage is affordable.

Some of our companies, like Auto-Owners Insurance Company, offer substantial multi-policy discounts on your homeowners and auto policy when you have your life insurance with the same company. These savings can go a long way toward paying the cost of your life insurance.

Remember, life insurance is for the ones you love. Wisconsin residents contact knowledgebroker, Dan Wolfgram today for more information or a quick life insurance quote!

Ted Marino, resident of Brookfield WI and an R&R customer since 1984, explains the peace-of-mind he had immediately after his home caught fire from a lightning strike during a storm in 2010. Ted and Chris escaped without harm, but their house was another story...

Wisconsin residents can have the same peace-of-mind that the Marino's experience. Contact knowledgebroker Dan Wolfgram for more information about personal insurance options through R&R Insurance Services.