Monday, March 31, 2008

Kentucky Motorcycle Safety
 Highway Safety

Born to be Wild

Better to have Kentucky Motorcycle Safety Savvy



The Kentucky State Police have a chart posted that shows how Kentucky motorcycle collisions have increased since 2002. The brochure also has links to Kentucky motorcycle safety, a Kentucky Motorcycle Fatality Map, and a Kentucky State Police Motorcycle Fact Sheet.



Get Secure Online Kentucky Motorcycle Insurance Quote



As the popularity of motorcycle increases, and with the cost of gas continueing to go up, our insurance agency sees more and more quote requests for Kentucky Motorcycle Insurance. We encourage all Kentucky Drivers to drive defensively. Keep up with the latest in safety tips, the life you save could be your own!



Heavy Rains Impacted Traffic Fatalities Last Week (March 17 through March 23)

KSP Highway Safety Branch News Release
Date of News Release: 03/24/08



(FRANKFORT, Ky.) - Preliminary statistics* indicate that eighteen people died in thirteen separate crashes on Kentucky's roadways from Monday, March 17 through Sunday, March 23, 2008. Heavy rain and inclement weather impacted traffic fatalities across the state.



Thirteen of the fatalities were traveling in motor vehicles and seven of those victims were not wearing seat belts. Three of the motor vehicle fatalities were a result of the suspected use of alcohol. One fatality involved a pedestrian and four involved motorcycles. None of the motorcyclists were wearing helmets.



Single fatality crashes occurred in Boyle, Calloway, Garrard, Hart, Jefferson and Shelby counties. Motorcycle fatalities occurred in Allen, Davies, Kenton and McLean counties. The pedestrian fatality occurred in Jefferson county.



A double fatality collision occurred in Monroe county and a quintuple fatality collision occurred in Hart county. The five-person fatality occurred on I-65 southbound near the 62 mile-marker when one of the vehicles hydroplaned on the rain slick highway and skidded across the median into the oncoming lane where it struck one vehicle head-on and impacted with another.



Through March 23, preliminary statistics* indicate that 160 people have lost their lives on Kentucky roadways during 2008. That is eleven more than reported for this time period in 2007. Of the 133 motor vehicle fatalities, 83 victims were not wearing seat belts. There have been 12 motorcycle fatalities and 8 of those were not wearing helmets. A total of 33 fatalities have resulted from crashes involving the suspected use of alcohol. Fifteen fatalities have been pedestrians.



Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.



*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

Saturday, March 29, 2008

Healthy Walking Paths of Pikeville KY
 Pike County Diabetes Partnership

Coming Tuesday April 1, 2008
Healthy Walking Paths Kick-Off
11:30 - 1:30 Pikeville KY City Park



When they call me "well-rounded" I always hope they are talking about my interests and intellect. But who are we kidding? They could be talking about my Rubinesque figure. With summer coming, I have no good excuse not to excersise more. Do you?



Mavis Caudell Lowe, has worked hard to put together four paths throughout the city of Pikeville. The marked paths will give walkers, and out of shape chubbies like me, the option of walking 1/2 mile, 1 mile, 1 1/2 mile and 2 miles. (We met Mavis and her husband John through ballroom dancing.)



I am not sure what Mavis' official title is, but she is a Diabetes Educator with Pikeville Medical Center. So of course she is involved in the Pike County Diabetes Partnership.



This Tuesday, barring a rain reschedule, folks will be able to begin at Pikeville City Park, and follow the paths for the distance of their choice. As part of the kick-off, various businesses and organizations along the way will be providing rest stops. When Mavis asked if Charlie Pinson Insurance would be an official stop, we jumped at the chance. Diabetes runs rampant in some branches of my family, and also in Mark's family. We take that stuff real personal!




Our office is an official stop. We will have Anthem Health Insurance brochures, "Are you in control? Keeping your blood sugar in check." We are also providing a fruit. (Forget about the nuts, they are our employees! Giggle)



So if you live in Pikeville, Pike County, or for that matter anywhere in Kentucky...come on an join us on Tuesday. Mavis always make events fun...and who knows. Maybe we can peel off some pounds together! Let's get healthy!



For More information see todays Appalachian News-Express Pikeville

Thursday, March 27, 2008

Kentucky Insurance Agent wins two awards

Charlie Pinson, Kentucky Insurance Agent, recently received awards through the Smart Choice Agents program from The Hartford and MetLife


Charlie Pinson Insurance recognized for Outstanding Production and Productivity


Charlie Pinson, a Kentucky independent insurance agent, recently accepted statewide awards from The Hartford and MetLife at the annual Smart Choice Agents of Kentucky Insurance conference.



This year is the second consecutive year Pinson has been recognized by The Hartford. A family owned business, Charlie Pinson Insurance is celebrating ten years of service. The agency offers a variety of Kentucky insurance products including Kentucky car insurance and commercial Kentucky auto insurance. As an independent agent, Pinson represents many companies including Hartford, AIG, Progressive, Travelers, Farmers, and Safeco.



Pinson states, "Clients are what drives the agency. Our business motto is 'Charlie Pinson Insurance where people make the difference.' We believe that. We try to bring many insurance choices to clients. Our clients are tops!"



Visit Charlie Pinson Insurance Ky

Lexington KY Safe Kids Buckle Up Car Seat Checkups

According to the Safe Kids website Lexington Kentucky is gearing up for several car seat checkup events.

  • Friday March 28 Babies R US 1299 Star Shoot Parkway Lexington KY 40505
  • Wednesday April 9 Auto Tech Service 780 Winchester Road 40502
  • Saturday April 26 Baby's Room 2520 Nicholasville Rd. Lexington, KY 40503

The website indicates that SAFE KIDS Fayette County is lead by Kentucky Children's Hospital. For more information:


SAFE KIDS Fayette County

800 Rose Street

Lexington, KY 40536

859.323.1153


Editors note: We first became aware of the Safe Kids program through our local Kiwanis club. Years ago, Kiwanis clubs throughout our county combined efforts to do child safety seat checkpoints and gave away child safety seats to those who needed them. On that very afternoon of the event, a child we had given a seat to was involved in a serious car crash.


Lexington KY Insurance Quotes

Gear Up and Warm Up for Spring Sports Safety

If you know Charlie Pinson, you know that the Charlie Pinson Insurance agency is all about kids and sports. In addition to being a Kentucky insurance agent, Charlie is a local college and sports commentator and has worked and volunteered as a coach for many local organizations. Thought we would share this Safe Kids Press release with you.

Safe Kids Worldwide Offers Sports Safety Tips


Visit USA Safe Kids



Each year, nationwide, more than 3.5 million children ages 14 and under are treated for sports injuries. Roughly half of these injuries are sustained in solo activities — especially biking, skating and skateboarding — but a pproximately one out of four participants in youth soccer, football or baseball has been injured at least once. About 15 percent of kids playing basketball have been injured, and 12 percent of kids playing softball.



In team sports, most injuries — 62 percent — occur during practices, not games. “Always insist that your kids wear the same protective gear, do the same warmups and take all the same precautions when they practice as when they're getting ready for a game,” says Chrissy Cianflone, director of program operations at Safe Kids Worldwide.



“When we think of sports injuries, we think of dramatic tackles or falls or being hit in the head, but young athletes are also at risk of strains and repetitive-motion injuries,” says Cianflone. “If your coach recommends certain types of warmups, it's not just to make you a better athlete — it will help keep you from getting hurt.” Repetitive-motion injuries account for nearly half of all sports injuries to students in grade 6 and above.



In a 2000 survey by Safe Kids Worldwide, 30 percent of parents said their child had been injure d at least once while playing a team sport, 15 percent said their child had been injured more than once and about 7 percent said their child suffered a serious injury. “Contact sports have a higher rate of injuries than solo sports, but injuries from solo sports such as biking or skateboarding tend to be more severe,” says Cianflone.



Safe Kids USA recommends these precautions for all children playing or practicing any individual or team sport:



    ~Before signing up for a sport, get a general physical exam.

    ~Always wear appropriate protective gear for the activity — for practice as well as games — and make sure it's the right size and properly adjusted.

    ~Do your warmups. Again, if it's important before a game, it's important before practice too.

    ~Make sure responsible adults know and enforce the safety rules of the sport, are present to provide supervision, and are trained in first aid and CPR. Also, make sure the field is in safe condition.

    ~Never “play through” an injury. Get immediate help from a coach or trainer and be sure to mention everything that hurts or aches.

    ~Follow the rules. In most sports, the rules are based not only on sportsmanship, but safety.


Last but not least: “Stay hydrated,” says Cianflone. “Drink plenty of water or electrolyte sports drink before and during the activity, and rest frequently during hot weather. A child can lose up to a quart of sweat during two hours of exercise, and kids get overheated more quickly than adults and cannot cool down as easily.”

March 16-22 is National Poison Prevention Week

Safe Kids USA Reminds Parents to Store Hazardous Goods Safely


Safe Kids USA



Poison control centers in the United States receive 1.2 million calls each year as a result of accidental poisoning of children ages 5 and under. Each year, about 68,000 kids in that age group are treated in emergency rooms for poisoning, and more than 50 die. Nearly 90 percent of these toxic exposures occur in the home, and 60 percent involve non-pharmaceutical products such as cosmetics, cleansers, personal care products, plants, pesticides, art supplies, alcohol and toys.



March 16-22 is National Poison Prevention Week, an annual program established by Congress in 1961 to spread the message that children act fast...so do poisons! “It doesn't take much to make a small child sick,” says Chrissy Cianflone, director of program operations at Safe Kids Worldwide. “Kids have faster metabolisms than adults and anything they ingest will be absorbed into the bloodstream very quickly.”



Child-resistant packaging is credited with saving hundreds of children's lives since its introduction in the 1970s, and childhood lead poisoning declined by 80 percent in the 15 years after unleaded gasoline and paint became industry standards. Still, there is no substitute for active supervision and childproofing. “If a product label says ‘keep out of reach of children,' there's a reason,” says Cianflone. “Keep it up high and in a locked cabinet.”



Safe Kids Worldwide reminds parents to keep the poison control hotline number handy. “Memorize this toll-free number: 800-222-1222 ,” Cianflone says. “Keep it near every phone in your home and program it into your cell phone.” From anywhere in the United States , this number connects to the local poison control center.



“Call 911, not poison control , if a child is choking, having trouble breathing or having a seizure,” says Cianflone. “Follow the 911 operator's instructions. Do not induce vomiting or give the child any fluid or medication unless directed.”



Safe Kids Worldwide offers these additional tips:




    ~Get your home tested for lead. Kids inhale the dust of lead-based paint and can build up enough lead in their blood to affect intelligence, growth and development. In 2002, there were 310,000 children ages 6 and under with elevated blood lead levels . Lead-based paint was used in homes until 1978, so it's important to have older homes tested.

    ~Install a carbon monoxide detector in every sleeping area. Carbon monoxide is an invisible, odorless gas that builds up around fuel-burning appliances — and cars in garages — and is present in tobacco smoke. It can make a child seriously ill in concentrations that would barely affect an adult.

    ~Stay alert while using cleaning products or other potentially harmful substances. A child can be poisoned in a matter of seconds. Never leave kids alone with an open container of something you wouldn't want them to ingest.

    ~Don't refer to medicine or vitamins as candy. Children should not think of therapeutic substances as treats. And when you are administering medicine to your children, follow dosage directions carefully.

    ~Store medications and any potentially harmful products in their original containers with their original labeling, out of reach of children.

    ~Learn which plants are poisonous. Keep poisonous houseplants out of reach, and teach children not to put any part of an outdoor plant in their mouths without adult supervision.

    ~Discuss these precautions with grandparents and relatives. Grandparents may have medications that can be very dangerous to children, and their homes might not be as well childproofed as yours.

    ~Learn CPR. In less than three hours, you can learn effective interventions that can give a fighting chance to a child whose breathing and heartbeat have stopped

New Crash Tests SUV's Feb. 2008

News Release February 26, 2008
From Insurance Institute for Highway Safety


New crash tests of SUVs: Nissan Murano is Top Safety Pick; 3 SUVs are marginal or poor for protection in side crashes



ARLINGTON, VA — The best overall performer in front, side, and rear tests of nine 4-door midsize SUV models is the redesigned 2009 Nissan Murano, which earns the Top Safety Pick award. The tests were recently conducted by the Insurance Institute for Highway Safety.
The Jeep Liberty, Jeep Wrangler 4-door, and Kia Sorento, all 2008 models, are the worst performers in the side test. The Liberty, also sold as the Dodge Nitro, and Wrangler earn the second lowest rating of marginal for protection in side crashes. The Sorento earns the lowest rating of poor.


The Mazda CX-7 and CX-9 as well as the Mitsubishi Endeavor earn good ratings for protection in front and side crashes. All three would have won Top Safety Pick if they had good ratings for protection against neck injury in rear-end crashes. The seat/head restraint combinations in both Mazdas are rated marginal for rear crash protection. The Endeavor's is poor.


Safety of SUVs is improving: In 2001 only half of the midsize models that were tested earned good ratings in the frontal offset test. In the latest evaluations, all but the Hummer H3 do, and it earns an acceptable rating. As manufacturers introduce improved designs, more SUVs are qualifying for Top Safety Pick by earning good ratings in all three tests and having electronic stability control (ESC).


For the 2007 model year, the Institute added ESC as a criterion. It's a control system comprised of sensors and a microcomputer that continuously monitors how well a vehicle responds to a driver's steering input and selectively applies brakes and modulates engine power to keep the vehicle traveling along the path indicated by the steering wheel position. Institute research indicates that ESC reduces the risk of fatal single-vehicle crashes by 56 percent and fatal multiple-vehicle crashes by 32 percent. Many single-vehicle crashes involve rolling over, and this feature reduces the risk of fatal single-vehicle rollovers by 80 percent (SUVs) and 77 percent (cars).



"Combined with test results released last year, consumers now have 9 midsize, moderately priced SUV models that earn our Top Safety Pick designation," says Institute senior vice president Joe Nolan.



"More good news is that manufacturers have been moving quickly to add safety features like stability control and side airbags to their SUV models," Nolan adds. "All of the SUVs in this group have ESC, and all but the Wrangler have standard side airbags. Increasingly, consumers are getting the latest safety equipment without having to hunt through a list of options."
Murano wins Top Safety Pick designation: The Murano has been redesigned for the 2009 model year and ESC, previously an option, now is standard equipment. This is the only SUV in the group recently tested to earn good ratings in all 3 Institute tests, and it's 1 of only 2 in this group to earn a good rating for protection against whiplash injury in rear-end crashes.
Whiplash usually isn't life-threatening, but it can be debilitating and difficult to recover from. Whiplash is the most serious injury reported in about 2 million insurance claims each year, which cost at least $8.5 billion. Rear impacts are common in everyday commuter traffic. In one urban county in Virginia, 63 percent of daytime crashes on urban interstate highways in 2003 were rear impacts.


"You don't know what kind of crash you're going to get into, so you want a vehicle that affords the best protection in the most common kinds of crashes," Nolan says. "The Murano is the only SUV in the group that does this."


Chest protection isn't up to par in some SUVs: Head protection is important in a side crash, but so is protecting the chest and abdomen. Manufacturers can do this with additional padding in the doors or with separate side airbags that usually deploy from the side of the seat. Unlike most cars that are equipped with side airbags, some of the SUVs in this group with standard curtain airbags lack separate ones to protect the torso. Curtain airbags in the H3, Liberty, and Sorento provided good head protection, but all 3 were downgraded because forces on the driver dummy's metal ribcage indicated that rib fractures and internal organ injuries would be possible in a real-world crash of this severity.



"Performance of some of these models in the side test was surprising," Nolan points out. "SUVs should have an inherent advantage in such crashes because drivers and passengers ride higher up than in cars. People often think they're safer in an SUV, but many cars perform much better in our side test than some of the SUVs in this group."
Note: The Jeep Wrangler was tested without its optional combination head and torso side airbags. The Institute's policy is that when airbags are optional, the vehicle is tested without the option. A manufacturer may request a second test with the option if the automaker reimburses the Institute for the cost of the vehicle. In the case of the Wrangler, Chrysler didn't request another test.


"We assume that Chrysler doesn't expect the Wrangler to perform much better, even with the optional airbags," Nolan says.
Hummer isn't good in frontal crash: Nearly every vehicle the Institute tests now earns the top rating of good for frontal crash protection. This wasn't the case for the Hummer H3, which earns an acceptable rating. The H3 is 1 of only 2 midsize SUV designs the Institute has recently tested that doesn't earn a good rating in the frontal test (the other is the Chevrolet TrailBlazer).
In the Institute's test, high forces were recorded on the dummy's lower right leg, indicating the likelihood of injury. Still, forces on the dummy's head and chest were low, and the vehicle's structure held up well.


"Acceptable isn't a bad rating," Nolan explains. "It's just not the best protection that's available. Considering the Hummer's acceptable side rating and poor rating in the rear test, we can see that this SUV hasn't been designed with the state-of-the-art crash protection of many of its competitors."


How vehicles are evaluated: The Institute's frontal crashworthiness evaluations are based on results of 40 mph frontal offset crash tests. Each vehicle's overall evaluation is based on measurements of intrusion into the occupant compartment, injury measures recorded on a Hybrid III dummy in the driver seat, and analysis of slow-motion film to assess how well the restraint system controlled dummy movement during the test.


Side evaluations are based on performance in a crash test in which the side of a vehicle is struck by a barrier moving at 31 mph. The barrier represents the front end of a pickup or SUV. Ratings reflect injury measures recorded on two instrumented SID-IIs dummies, assessment of head protection countermeasures, and the vehicle's structural performance during the impact. Injury measures obtained from the two dummies, one in the driver seat and the other in the back seat behind the driver, are used to determine the likelihood that a driver and/or passenger in a similar real-world crash would sustain serious injury to various parts of the body. The movements and contacts of the dummies' heads during the test also are evaluated. Structural performance is based on measurements indicating the amount of B-pillar intrusion into the occupant compartment.



Rear crash protection is rated according to a two-step procedure. Starting points for the ratings are measurements of head restraint geometry — the height of a restraint and its horizontal distance behind the back of the head of an average-size man. Seats with good or acceptable restraint geometry are tested dynamically using a dummy that measures forces on the neck. This test simulates a collision in which a stationary vehicle is struck in the rear at 20 mph. Seats without good or acceptable geometry are rated poor overall because they can't be positioned to protect many people.



For more highway safety information visit Insurance Institute for Highway Safety


For Kentucky Car Insurance Quote visit Charlie Pinson Insurance Kentucky Car Insurance and Kentucky Auto Insurance

Eight Die On Kentucky Roadways Last Week (March 10 through March 16)

KSP Highway Safety Branch News Release
Date of News Release: 03/10/08



(FRANKFORT, Ky.) - Preliminary statistics* indicate that eight people died in eight separate crashes on Kentucky's roadways from Monday, March 10 through Sunday, March 16, 2008.

Six of the fatalities were traveling in motor vehicles and three of those victims were not wearing seat belts. Four of the motor vehicle fatalities were a result of the suspected use of alcohol. One fatality involved a pedestrian and one involved a motorcycle. The motorcyclist was not wearing a helmet.

Single fatality crashes occurred in Barren, Knox, Leslie, Madison, McCracken and Ohio counties. The motorcycle fatality occurred in Hopkins county and the pedestrian fatality occurred in Jefferson county.

Through March 16, preliminary statistics* indicate that 140 people have lost their lives on Kentucky roadways during 2008. That is four more than reported for this time period in 2007. Of the 118 motor vehicle fatalities, 79 victims were not wearing seat belts. There have been 8 motorcycle fatalities and 4 of those were not wearing helmets. A total of 30 fatalities have resulted from crashes involving the suspected use of alcohol. Fourteen fatalities have been pedestrians.

Citizens can contribute to highway safety by reporting erratic drivers to the Kentucky State Police toll-free at 1-800-222-5555. Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number if possible.

*These statistics are still preliminary as KSP waits for all local law enforcement agencies throughout the state to report any crashes and fatalities that may have occurred in their areas.

Tuesday, March 25, 2008

What's in a name? Is brand important?

Does a Rose by any other name smell so sweet? Do consumers choose by brand or by insurance agent?



We've just returned from the annual Smart Choice Agents of Kentucky conference. It is always enlightening to visit with fellow Kentucky insurance agents, and of course our vendors and industry mentors. We continue to learn, grow, and of course take a little time to relax.

This year's conference focused chiefly on building a brand. Do consumers really choose their insurance because of the company name or because of the agent they deal with? In small towns throughout Kentucky, the insurance agent IS the brand. Whether an agent offers one brand or twenty, does it really make a difference to today's savvy consumers?



Captive agents, insurance agents that represent only one company, obviously benefit from national advertising campaigns. Direct writers, those who advertise on TV, and maintain big corporate offices in metro areas continue to do well with phone and internet sales. It is fair to say that small insurance agencies find it hard to compete with the advertising of corporate giants.



But where does that leave the consumer?



Trends seem to indicate younger demographics accept doing business with "strangers over the internet." Convenience and price are driving factors. Women, who control many family budgets, seem to weigh value and trust as part of choosing an insurance company or agent.



So what about it?


Do you buy insurance based on the name brand of the company, or do you buy insurance based on your relationship with a local agent? Does your buying decision focus solely on price? How does ease of doing business factor in to your decision? How important is convenience? If you had to make a decision, all things being equal, are you more comfortable dealing with a big name brand or a local agent? How do you decide?

Looking forward to your responses.

Tuesday, March 18, 2008

Captive or Independent Insurance Agent?

So just what is the difference between a captive insurance agent and an independent agent?



Most consumers don't know. Do you?

A captive agent works for one company. An independent agent works for YOU the client, and generally writes business for a number of insurance companies.

So how do you choose?



In my opinion, the most important thing is trust. Who are you comfortable with? Who can you talk to personally when you have an insurance problem? Who do you feel comfortable disussing personal insurance matters with? There are outstanding agents who are captives, and outstanding agents who are independents. Do business with someone you trust.

From an economic standpoint, shopping for Kentucky insurance can be an eye opening experience. Independent insurance agents can shop your coverages with a number of companies, and give you a choice of companies. We have seen Kentucky Auto Insurance rates vary by hundreds of dollars for the same coverages.

It just makes good fiscal sense to shop your Kentucky Auto insurance at least every two years. More frequently if you are young, or had a significant life changes like marriage, purchasing a new home or auto, graduation from college, etc. Moving to a different zip code within Kentucky can increase or decrease your premium dramatically. If you are planning a Kentucky relocation, definitely shop around for your coverages.

Shop my Kentucky Car Insurance with an Independent Agent


Many independent insurance agents automatically shop their clients coverages at renewal. If they know you have had a life change, for example purchased a new car or gotten married, oftentimes they will re-quote your policy with several companies right away. Captive agents cannot offer you other companies and other rates.

So what will you choose...a captive agent or an independent insurance agent? Do your homework. Compare prices and coverages. But most importantly, do business with a Kentucky Insurance agent you trust. When that rainy day comes, and you have to file a claim, I hope you hired an agent who will see you through.

So you want to be an 
KY Independent Insurance Agent

We recently hosted a group of vetran insurance agents here at the office; for the purpose of completing the state mandated continuing education classes.

On this particuliar day, we had a young couple join the group. I say young, because the rest of us are pushing the big 5-0 or sliding right on by it! Anyway, we listened to the young folks talk enthusiastically about growing their business. We all smiled.

The topic of conversation then turned to, "If you were a young person today, would you launch a career as an independent insurance agent?" The crowd had mixed emotions.

It's hard to start an agency from scratch. If you do not have experience, it is hard to get insurance companies to let you write business. If you live in certain regions of Kentucky, many companies will not do business with you PERIOD. Startup costs, including investments in technology, can be cost prohibitive.

On the other hand, a young person starting out might go to work for a larger agency or conglomerate. Looking at our group, several were alumni of life insurance companies here in Kentucky. They agreed, their life insurance sales on a debit, certainly better prepared them for life as an independent insurance agent. (We did not have any captive agents in our group)

Many reflected on the nature of our industry. Like many industries, insurance goes in cycles. Sometimes the market is "soft," with premiums priced so low cash flow gets stymied. Sometimes it is a "hard" market, where agents with the right products at the right price point can make a good living. Being a successful insurance agent means working hard and working smart....no matter what the market conditions are.

We "old-timers" lamented about the diminished personal contacts and relationships that used to exist between agents and the companies they represent. Insurance carriers continue to scale back on service reps, who once upon a time served as mentors and the "go-to" folks, when there were questions or challenging cases. Today, more often than not agents are refered to a website or directed to some phone clone who you never met, and who cannot understand those of us with a Kentucky drawl. (How y'all doin?)

So the question remains, if we had it to do all over again, would we become insurance agents today? While we all agreed we had endured some lean times, all but one said they would do it again. While some doors of opportunity have closed, other doors have opened. New cluster groups like Smart Choice Agents program can give "newbies" a leg up, as they begin their insurance careers. New products like long-term care are providing new revenue streams. In the future, tech savvy agents might find all kinds of new sales venues online and through video conferencing. It's a brave new world.

So, there is alot to think about. But, as for the folks in our agency, the answer is a resounding "YES!" It's not always an easy road, but being an independent insurance agent is a satisfying and rewarding career. If you treat your clients right and do a good job of underwriting the risk, in the big scheme of things you will find success.

To learn about the licensing process for Kentucky Insurance Agents refer to the Kentucky Office of Insurance site.


Disclaimer: Following links from this posting does not constitute endorsement of products or services. Seek out career counselors, lawyers and accountants to help you determine your career path and develop a business plan.

Monday, March 17, 2008

Welcome to Kentucky Insurance Chat!

Welcome. We are pleased to have you visit this blog. As a discussion on Kentucky Insurance, we surely hope you will exhibit Kentucky hospitality and graciousness in your postings. This is intended as a casual conversation, and is not designed as a legal or financial authority. This is designed to be a family friendly blog. Please post accordingly.

As the blog grows, expect to see content relative to Kentucky Car Insurance and Health Insurance. I will be posting information on wellness, safety, and other consumer education topics. From time to time, I expect we will be talking about the Independent Insurance Agent distribution system, and changes in the Kentucky Insurance climate.

We welcome your input.