Friday, March 23, 2012


I've always listened to older, wiser family members says....."I remember when there was penny candy." "I remember throwing five kids in the back of the car with no seat belts, and we're all still alive." "I remember when........" Well my remember when is when gas was $1.20 and we all flipped out! If you had told my 16 year old self I'd now be paying $4 a gallon I would have laughed in your face.....who is laughing now??

Well in hopes of helping a little bit with the "historic" gas prices, I'll give you a $10 gas card for each referral you send my way who becomes one of my clients. You'll also receive another $10 gas card for each life insurance policy your referral(s) invest in. There's no limit to the number of referrals you send me - so you could possibly fill up your vehicle on referrals alone for 2012! Who is laughing NOW :)

Feel free to print off this pdf or email me with contact information. Haven't had an insurance review yet? Refer yourself :)! Then you can say... "Remember when we first joined Farm Bureau, gas was $4 a gallon back then!"

Wednesday, March 14, 2012

My Coverages

Continuing to simplify my life by combining all my blogs into's another post from my old insurance blog :)!

My husband and my boys' role model.

Early on, one of my bosses told me to put my own house in order as far as family protection. He asked, "How can you really sell something you don't own and believe in yourself?" The day I wrote the check to pay for my first month's premium made me choke up a bit. Not because of the premium or it was money I really would never see the benefit of....but because I knew if I left the office that night and didn't make it home, Gunner and Gauge (my four and two year old boys) and my husband Jesse, would financially be okay. It made me realize what legacy I would leave for my family.

My boys could continue sleeping in the comfort of their own beds, they would have enough to at least pay off the mortgage, take care of my funeral expenses....well let me just stop there.  Why don't I just share with you the family protection I have and the reasoning behind it.

First let me say, each family has a different need, a different budget and a different scenario. So my protection plan may not fit your family's needs, but if you're a bit like me, I still like to know people's reasoning so I can better formulate my own.

Tonight, I'll start with my husband Jesse's coverage. He has a $500,000 10 year term policy. He uses tobacco, so his premium is a bit higher than mine. His premium is $79.17/month.

So why did we go with this policy?

He's young with two little boys and a super fun wife (I added that in there, but he would hopefully agree :)!). If he didn't come home tonight and Farm Bureau delivered me a check for $500,000 - we decided I would pay his funeral expenses $12,000 for a decent funeral, pay off the mortgage $132,000, pay off my car loan $15,000, pay off my college debt $20,000, set some aside for the boys' college educations $40,000 and that would leave me with about $280,000 to cover his contributing income for four and a half years.

Term is great because it provides maximum coverage at a fraction of the cost of whole life. Now term is like renting. We only have this policy for ten years. Once the ten years finish, he has no more coverage. It also does not generate cash. So we have small premiums, receive maximum coverage and walk away with nothing after the term.

The catch is within those ten years, we'll slowly convert portions of the policy into whole life insurance. Whole life is with you until you're 100 and generates cash you can use while you're alive - say for retirement. Next year, we could convert $50,000 into whole life and continue to have $450,000 in term. The plan would be by the time the ten years are done we converted a good portion, if not all into whole life.

Basically, Jesse and I made the choice to have a lot of coverage while our children are young in order for him to feel that his family would be taken care of, would have time to grieve and would be able to continue living the life he works so hard to provide for us. Why? Because he loves us.

Has this scenario put your brain into over drive? Curious to learn more - I would LOVE to sit down and discuss the perfect plan for your family. Tomorrow and Wednesday we'll cover my coverages and Thursday we'll discuss Gunner and Gauge's life insurance policies.

Thanks for reading! And make sure you're not just insured, you're covered!


Thursday, March 8, 2012


I have a sign above a door in my home that says Live would think if I focused on the saying a little more I would have found time to post at least once on here since LAST August - but none the less I'm going to try hard and simply focus on making sure something gets up on this blog at least a couple times a week - from insurance to sharing insight into my family to posting a couple recent photo shoots - you're going to see a little of everything. For the next couple days I'll be reposting from the insurance blog so I can merge it onto this main blog and then see what happens from there - I hope you follow me and share your comments and questions.I hope you enjoy and find a way today to do one thing a little more simple.

A Blog on Insurance?

Yeah..... I know it's probably not the first words you type when looking for an inspirational blog to follow.....but stick with me here...

If you know me, you know I love social media....and this blog has been in the back of my mind since August 1, 2011 - the day I started my new career as an insurance agent with Farm Bureau Insurance. I have been trying to figure out how I could connect a blog with what I do (aka put my journalism degree from MSU to good use!)  So why not kick off the new year with another way to connect with people.

You don't have to be my client, you don't even have to ask for an insurance review (though I'm always willing to give free reviews!!). My intent is really to just share what I do - since insurance can be "scary, intimidating, the elephant in the room, ignored, worthless, confusing, piling up on my counter or just thrown in a folder in hopes I never have to see it again" - all descriptions I've personally heard.

For most people, insurance is something you don't want to deal with nor see the value in it until you need it. Others can't seem to get enough protection based on a life experience. Everyone sees insurance differently. This blog will show you how I see it, as I sit next to people like you trying to sort through it all.

I hope you follow me, if nothing else to feel like you're not alone when you don't understand something. I hope you ask questions and add experiences. I hope you feel different about insurance every time you read it. I hope you just read it. :)

Happy New Year!


I promise I'll have way more fun looking photos too :)!
Katie Eisenberger, Multi-Lines Agent. Office: (989) 681-6000 Cell: (989) 400-2434 Email: