Bensman Risk Management, Inc.


Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

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VOL. 13, ISSUE 1   •   SEPTEMBER, 2017
The Types and Uses of Life Insurance
Here's a rundown of the basics for National Life Insurance Month. READ MORE...


VOL. 12, ISSUE 12   •   AUGUST, 2017
Getting the Right Retirement Plan Helps Employers and Employees
A well-designed retirement plan can be a win-win. READ MORE...


VOL. 12, ISSUE 11   •   JULY, 2017
Founding Principles Guide Individual Property and Casualty Business
In helping clients with their personal insurance needs, we follow the same ideals that have guided The Bensman Group since the beginning. READ MORE...


VOL. 12, ISSUE 10   •   JUNE, 2017
Someone You Should Know: Rob Terranova
If you are considering filing a claim, Personal Lines Claims Manager Rob Terranova will help you every step of the way. READ MORE...


VOL. 12, ISSUE 9   •   MAY, 2017
Disability Insurance Often the Forgotten Coverage
You have life insurance to protect the people you love if you die. But what if you are disabled and unable to work? READ MORE...


VOL. 12, ISSUE 8   •   APRIL, 2017
Planning for Spring Flooding
Spring rains can leave you with water in your house. The time to prepare is before you are bailing your basement. READ MORE...


VOL. 12, ISSUE 7   •   MARCH, 2017
Travel Insurance Can Save You Money and Hassle
If you are planning a major trip, it might pay to take a look at travel insurance. READ MORE...


VOL. 12, ISSUE 6   •   FEBRUARY, 2017
Protect Your Home From Water Damage
Water damage can be insidious and expensive. But you can help protect yourself against losses. READ MORE...


VOL. 12, ISSUE 5   •   JANUARY, 2017
Avoid Winter-Related Claims
Cold weather brings some potential problems for your home. Here are some ways to avoid two of the most common. READ MORE...


VOL. 12, ISSUE 4   •   DECEMBER, 2016
Year-End Planning for Your Portfolio
As the year draws to a close, take some time to look at your investment portfolio -- especially the tax considerations. READ MORE...


VOL. 12, ISSUE 3   •   NOVEMBER, 2016
Call Us If You Plan an Expensive Gift
Let us help you make sure your gift is protected even before you give it. READ MORE...


VOL. 12, ISSUE 2   •   OCTOBER, 2016
Avoid Halloween Frights
On the witching night of Halloween, take care to keep revelers safe -- and protect yourself from liability concerns. READ MORE...


VOL. 12, ISSUE 1   •   SEPTEMBER, 2016
Talk to Us If You Are Considering a Home Far Away
A house outside your area can present insurance issues you may be unaware of. We can help. READ MORE...


VOL. 11, ISSUE 12   •   AUGUST, 2016
A Short Course on Insurance and School
As you get ready to take your child to college, don't forget about insurance. READ MORE...


VOL. 11, ISSUE 11   •   JULY, 2016
Do You Need Extra Coverage for a Rental Car?
There are some things you should consider before you decide what to do about supplemental coverage when you rent a car. READ MORE...


VOL. 11, ISSUE 10   •   JUNE, 2016
Call Before Buying, Building or Remodeling
Summer is peak home buying and construction season. If you are buying, building or remodeling, give us a call to update your insurance coverage. READ MORE...


VOL. 11, ISSUE 9   •   MAY, 2016
'Snapchat' Crash Shows Dangers of Distracted Driving
The news offers new reminder of the importance of paying attention behind the wheel. READ MORE...


VOL. 11, ISSUE 8   •   APRIL, 2016
Many Vehicles Have Unaddressed Safety Recalls
A sobering number of people ignore safety recalls on their vehicles, thus endangering themselves and other drivers. READ MORE...


VOL. 11, ISSUE 7   •   MARCH, 2016
Bensman Volunteers Help Feed Starving Children
Bensman's volunteer Outreach Program reaches children around the world. READ MORE...


VOL. 11, ISSUE 6   •   FEBRUARY, 2016
Don't Forget Umbrella When Thinking About Coverage Needs
As your life changes, so might your need for umbrella insurance coverage. READ MORE...


VOL. 11, ISSUE 5   •   JANUARY, 2016
Why You Need Uninsured, Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage provide protection when other drivers do not. READ MORE...


VOL. 11, ISSUE 4   •   DECEMBER, 2015
'Tis the Season for Giving
Amid all the hustle and bustle of shopping and parties, it can be a good thing to take some time to help others. READ MORE...


VOL. 11, ISSUE 2   •   NOVEMBER, 2015
Reaching Out to the Next Generation
Kristen Savage's new professional designation is helping her serve a new generation of clients. READ MORE...


VOL. 11, ISSUE 1   •   OCTOBER, 2015
If You Are First on the Scene of a Car Accident
You drive around a bend in the road, and you see that a car accident has just happened. You are the first on the scene. What do you do? READ MORE...


VOL. 10, ISSUE 12   •   SEPTEMBER, 2015
Consider Market Correction in Historical Perspective
The market has been on a roller coaster ride recently. But it is important to put this movement into historical perspective. READ MORE...


VOL. 10, ISSUE 11   •   AUGUST, 2015
Getaround, Like Other Car-Sharing Apps, Poses Insurance Issues
Getaround, which lets drivers rent their private cars for a fee, has many of the same insurance issues as apps like Uber and Lyft. READ MORE...


VOL. 10, ISSUE 10   •   JULY, 2015
What Does the ACE-Chubb Deal Mean for You?
You probably have heard that ACE Limited has agreed to buy The Chubb Corp. But what does that mean for you? READ MORE...


VOL. 10, ISSUE 10   •   JUNE, 2015
Someone You Should Know: Jill Larsen
As Underwriting Manager-Life Department, Jill Larsen helps people get the life, disability and long-term care insurance they need. READ MORE...


VOL. 10, ISSUE 9   •   MAY, 2015
How to Choose a Storage Facility
What do you need to know when choosing a place to store your belongings temporarily? READ MORE...


VOL. 10, ISSUE 8   •   APRIL, 2015
Taking Precautions Can Help Minimize Water Damage
There are steps large and small that you can take to help protect against losses from water. READ MORE...


VOL. 10, ISSUE 7   •   MARCH, 2015
Insuring Your Home in the Sunshine State
There can be multiple hurdles to getting homeowner's coverage in Florida. READ MORE...


VOL. 10, ISSUE 6   •   FEBRUARY, 2015
A Variety of Factors Can Affect Your Car Insurance Premium
You know your car insurance premium is affected by your deductible and by your driving record. But that's not all insurers look at when setting your rate. READ MORE...


VOL. 10, ISSUE 5   •   JANUARY, 2015
No Place to Hide
A recent experience made it clear how much everyone's life is an open book. READ MORE...


VOL. 10, ISSUE 4   •   DECEMBER, 2014
Avoiding Common Holiday Dangers
Protecting yourself against some common risks can help you keep your holidays merry and bright. READ MORE...


VOL. 10, ISSUE 3   •   NOVEMBER, 2014
Year-End Tax Planning for Investments
As you review your investment portfolio, take a look at your tax picture. READ MORE...


VOL. 10, ISSUE 2   •   OCTOBER, 2014
Life Insurance for a Child
Buying life insurance for your child or grandchild is not so much about the death benefit as it is about providing a life benefit as the child becomes an adult. READ MORE...


VOL. 10, ISSUE 1   •   SEPTEMBER, 2014
Prepare Your Home for Winter
Winter is coming, so now is the time to make sure your house is ready. READ MORE...


VOL. 9, ISSUE 12   •   AUGUST, 2014
Hurricane Season Highlights Florida Coverage Issues
As hurricane season heats up in Florida, we remind you to let us know in plenty of time if you are considering buying a house in the Sunshine State. READ MORE...


VOL. 9, ISSUE 11   •   JULY, 2014
Understanding How Carriers Set Your Premium
Insurance carriers use a variety of factors -- including your driving record, your credit report and your claims history -- to set your auto insurance premium. READ MORE...


VOL. 9, ISSUE 10   •   JUNE, 2014
Call Us With Car Insurance Questions
Car insurance is not always straightforward. If you are wondering how your insurance works in a certain situation, just give us a call. READ MORE...


VOL. 9, ISSUE 9   •   MAY, 2014
Life Insurance and Estate Planning
Life insurance can add to the value of your estate, but it also can help with a variety of estate-planning needs. READ MORE...


VOL. 9, ISSUE 8   •   APRIL, 2014
Let Us Know About Your Remodeling Plans
It's spring, and many a homeowner's thoughts turn to remodeling projects. Before you start, though, give us a call. READ MORE...


VOL. 9, ISSUE 7   •   MARCH, 2014
Fixed Annuities: An Alternative to Bank Certificates of Deposit
Fixed annuities are both like and unlike more-familiar bank CDs. READ MORE...


VOL. 9, ISSUE 6   •   FEBRUARY, 2014
Your Car in Winter
Your car needs special care to survive the frigid temperatures and snow that much of the nation is experiencing this winter. READ MORE...


VOL. 9, ISSUE 5   •   JANUARY, 2014
Resolve to Check Your Beneficiaries
The start of the new year is a good time to check the beneficiary designations on your life insurance coverage and retirement savings. READ MORE...


VOL. 9, ISSUE 4   •   DECEMBER, 2013
The True Meaning of the Season
Our annual visit to the Northern Illinois Food Bank provides a reminder of what the holidays are all about. READ MORE...


VOL. 9, ISSUE 3   •   NOVEMBER, 2013
The 'Life Insurance Settlement Process:' Should I Consider this Option?
The answer depends on your particular circumstances. READ MORE...


VOL. 9, ISSUE 2   •   OCTOBER, 2013
The Most Common Oversights in Personal Planning
In the midst of a busy life, it is easy to overlook some details of your personal plan. But the consequences can be serious. READ MORE...


VOL. 9, ISSUE 1   •   SEPTEMBER, 2013
Insurance Concerns for Fall
Fall is a season of transitions. And as you unearth your snow shovel and service your leaf blower, there are a few insurance issues you should consider too. READ MORE...


VOL. 8, ISSUE 12   •   AUGUST, 2013
Help With Implementing Obamacare
Employers face many challenges under the new health care law. At The Bensman Group, we can help. READ MORE...


VOL. 8, ISSUE 11   •   JULY, 2013
Pitfalls on the Path to Financial Security
It is important to avoid some common missteps as you build a path to your financial goals. READ MORE...


VOL. 8, ISSUE 10   •   JUNE, 2013
Coverage for Your Second Home
If you are buying a second home or a vacation home, don't forget to line up the proper insurance coverage. READ MORE...


VOL. 8, ISSUE 9   •   MAY, 2013
Is Telematics the Future of Car Insurance?
Telematics -- the on-board computers that provide information on your driving habits -- may be changing the face of insurance. READ MORE...


VOL. 8, ISSUE 8   •   APRIL, 2013
Insurers Becoming More Restrictive on Roof Replacements
Getting a replacement roof because of storm damage might be tougher than you think. READ MORE...


VOL. 8, ISSUE 7   •   MARCH, 2013
Someone You Should Know: Ron Miller
Ron Miller joins Bensman to help employers with their employee benefits needs. READ MORE...


VOL. 8, ISSUE 6   •   FEBRUARY, 2013
New Job, Same Friendly Face
Catrina Wickman moves into a new position in Client Services with the Individual Property and Casualty Division. READ MORE...


VOL. 8, ISSUE 5   •   JANUARY, 2013
Sam Is Driving
As my older son starts driver's ed, I have new insight into the challenges of having a young driver. READ MORE...


VOL. 8, ISSUE 4   •   DECEMBER, 2012
Stay Safe This Season
The holidays are happy times with family and friends. Follow some simple tips to stay safe while you are celebrating. READ MORE...


VOL. 8, ISSUE 3   •   NOVEMBER, 2012
The Meaning of the Season
For the fourth consecutive year, employees of The Bensman Group have kicked off the holiday season by volunteering at the Northern Illinois Food Bank. READ MORE...


VOL. 8, ISSUE 2   •   OCTOBER, 2012
Commercial Insurance Market Tightens
The commercial insurance market's cycle is changing to a time of high premiums and more restrictive coverage. READ MORE...


VOL. 8, ISSUE 1   •   SEPTEMBER, 2012
Look Out for Con Artists if You Have Property Loss
Beware of scammers who might try to take advantage of you if you have a property loss. READ MORE...


VOL. 7, ISSUE 12   •   AUGUST, 2012
Insurance Unlikely to Cover Cyber-Bullying
If your children -- or you -- bully or stalk someone online or by text message and that person sues, your insurance probably won't cover any losses. READ MORE...


VOL. 7, ISSUE 11   •   JULY, 2012
Choose Right Firm for Disaster Cleanup
If disaster strikes, experts can help you put your home and your life back together. READ MORE...


VOL. 7, ISSUE 10   •   JUNE, 2012
Insurance for Your Vacation
Taking care of a few insurance issues can make your summer vacation even more relaxing. READ MORE...


VOL. 7, ISSUE 9   •   MAY, 2012
Putting the Family in Family Office
A family office is about more than managing wealth; it is about preserving the values of a family. READ MORE...


VOL. 7, ISSUE 8   •   APRIL, 2012
College Grads and Car Insurance
When your children go out on their own, you need to understand whether they really are independent when it comes to their car insurance. READ MORE...


VOL. 7, ISSUE 7   •   MARCH, 2012
Life Insurance and Charitable Giving
Using life insurance to make a charitable gift can benefit both the charity and the giver. READ MORE...


VOL. 7, ISSUE 6   •   FEBRUARY, 2012
Homeowner's Rates on the Rise
A combination of steep weather-related losses and poor investment performance is driving up homeowner's premiums in 2012. READ MORE...


VOL. 7, ISSUE 5   •   JANUARY, 2012
Group Offers Help to Veterans
We would like to introduce you to an organization that is doing important work with injured veterans. READ MORE...


VOL. 7, ISSUE 4   •   DECEMBER, 2011
Important Year-End Concerns
We know you have plenty of things to do this month. But don't forget to take care of a few year-end financial issues. READ MORE...


VOL. 7, ISSUE 3   •   NOVEMBER, 2011
Keep an Eye on the Thanksgiving Turkey
All the cooking on Thanksgiving can result in more than a feast. In fact, making the turkey and trimmings is a major cause of house fires. READ MORE...


VOL. 7, ISSUE 2   •   OCTOBER, 2011
Someone You Should Know: Ed Kollada
Ed Kollada works with clients on all aspects of their retirement plans. READ MORE...


VOL. 7, ISSUE 1   •   SEPTEMBER, 2011
Lessons from Nature's Fury
In the wake of a rash of natural disasters, it is important to understand some things about your coverage. READ MORE...


VOL. 6, ISSUE 12   •   AUGUST, 2011
Preparing for a Flood
Crazy weather this summer has made it clear: The best time to prepare for a flood is before it happens. READ MORE...


VOL. 6, ISSUE 11   •   JULY, 2011
Someone You Should Know: Kristen Savage
From time to time, we have a special feature called "Someone You Should Know," which introduces you to the people who work at The Bensman Group. In this issue, we profile Kristen Savage, Risk Management Advisor. READ MORE...


VOL. 6, ISSUE 10   •   JUNE, 2011
Young People Need Life Insurance Too
You may think that buying life insurance is something you don't have to concern yourself with until you get married, have a baby or start earning a lot of money. But there are many important reasons to buy life insurance before you reach any of these milestones. READ MORE...


VOL. 6, ISSUE 9   •   MAY, 2011
Protect Yourself From Household Employees
Household help can make your life easier. But it pays to take care to protect yourself against possible theft. READ MORE...


VOL. 6, ISSUE 8   •   APRIL, 2011
Keep Coverage Information Up to Date
Even relatively small things that happen in your life can have an impact on your insurance coverage. READ MORE...


VOL. 6, ISSUE 7   •   MARCH, 2011
Protection Against the Weather
You can buy insurance to protect your big event from weather-related problems. READ MORE...


VOL. 6, ISSUE 6   •   FEBRUARY, 2011
Itemized or Blanket Coverage for Jewelry?
If you have valuable jewelry, your homeowner's policy alone probably does not offer sufficient protection. READ MORE...


VOL. 6, ISSUE 5   •   JANUARY, 2011
Celebrating 35 Years in Business
This month, The Bensman Group marks the 35th anniversary of the beginning of our business. It is a milestone that we never could have reached without the support of our employees, clients, friends, and strategic alliances. READ MORE...


VOL. 6, ISSUE 4   •   DECEMBER, 2010
Some Holiday Cautions
The holidays are supposed to be a time of great celebration and joy. But there are some things you should do to help ensure that your holidays stay happy. READ MORE...


VOL. 6, ISSUE 3   •   NOVEMBER, 2010
Starting the Holidays Off Right
For the second year in a row, employees of The Bensman Group volunteered at the Northern Illinois Food Bank facility in Park City, Ill. READ MORE...


VOL. 6, ISSUE 2   •   OCTOBER, 2010
To Plan or Not to Plan, That is the Question
Uncertainty caused by Congress' lack of action on the estate tax and the federal gift tax rate raises lots of questions. But there are some answers. READ MORE...


VOL. 6, ISSUE 1   •   SEPTEMBER, 2010
Be Careful to Avoid Dog-Bite Claims
Man's best friend can become your worst enemy if you find yourself on the wrong end of a dog-bite claim. READ MORE...


VOL. 5, ISSUE 12   •   AUGUST, 2010
Should You Raise Your Homeowners Deductible?
If you are thinking about raising your deductible in order to lower your homeowners insurance premium, there are some things you should consider. READ MORE...


VOL. 5, ISSUE 11   •   JULY, 2010
Someone You Should Know: Amy Meyer
From time to time, we have a special feature called "Someone You Should Know," which introduces you to the people who work at The Bensman Group. In this issue, we profile Amy Meyer, Personal Lines Manager. READ MORE...


VOL. 5, ISSUE 10   •   JUNE, 2010
The State of the Economy and Its Impact on You: A Risk Management Perspective
In times like these, when there is so much uncertainty, it's important to focus on the things we can control and take care of the people who rely on us. READ MORE...


VOL. 5, ISSUE 9   •   MAY, 2010
Buyer Beware of Foreclosed Homes
If you are considering buying a home out of foreclosure, there are some things you should know before you move ahead. READ MORE...


VOL. 5, ISSUE 8   •   APRIL, 2010
Healthcare: We're All in this Together
Now that the dust has settled, it's time to take a look at what we know -- and what we don't know -- about the new healthcare reform law. READ MORE...


VOL. 5, ISSUE 7   •   MARCH, 2010
Understand Your Obligations for Household Employees
If you have household employees, such as a nanny or a housekeeper, you also have tax and other obligations for that employee. If you don't meet those obligations, you could end up in hot water with the IRS. READ MORE...


VOL. 5, ISSUE 6   •   JANUARY, 2010
Someone You Should Know: Barb Hill
As Senior Account Manager for Employee Benefits, Barb Hill answers questions, negotiates with insurers and, most importantly, builds relationships with clients. READ MORE...


VOL. 5, ISSUE 5   •   JANUARY, 2010
Don't Put Off Planning Your Estate
Even if you don't think you have an estate plan, you do. The problem is that it is the state, and not you, that decides how to distribute your estate unless you act. READ MORE...


VOL. 5, ISSUE 4   •   DECEMBER, 2009
Finding the Real Holiday Spirit
In early December, about 25 employees of The Bensman Group volunteered at the Northern Illinois Food Bank. READ MORE...


VOL. 5, ISSUE 3   •   NOVEMBER, 2009
Check the Coverage on Fine Wines
If you have a collection of fine wines, make sure that you have the right kind of coverage to protect your investment. READ MORE...


VOL. 5, ISSUE 2   •   OCTOBER, 2009
Someone You Should Know: Jill Johnson
Earlier this year, we announced a special feature called "Someone You Should Know," which introduces you to the people who work at The Bensman Group. In this issue, we profile Jill Johnson, Underwriting Manager. READ MORE...


VOL. 5, ISSUE 1   •   SEPTEMBER, 2009
The True Value of Your Insurance
The experience of a Bensman client in the wake of last fall's flooding shows the true value of insurance coverage. READ MORE...


VOL. 4, ISSUE 12   •   AUGUST, 2009
Give Us Your Thoughts on "Insurable Interests"
We at The Bensman Group would like to know what you think about our electronic newsletter. READ MORE...


VOL. 4, ISSUE 11   •   JULY, 2009
Risk Management on the Home Front
You know that companies practice risk management, to address losses before they happen. You can practice risk management at home, too. READ MORE...


VOL. 4, ISSUE 10   •   JUNE, 2009
Watch Out for Insurance Scam
You may be tempted to file an insurance claim for damages that did not really happen. But that's not only unethical, and possibly illegal; it also ultimately could raise your rates. READ MORE...


VOL. 4, ISSUE 9   •   MAY, 2009
Rising Risk from Uninsured Motorists
Rising unemployment is resulting in an increase in uninsured and under-insured motorists. READ MORE...


VOL. 4, ISSUE 8   •   APRIL, 2009
Finding Coverage in the Sunshine State
Recent events have made it harder than ever to buy property insurance in Florida. READ MORE...


VOL. 4, ISSUE 7   •   MARCH, 2009
Frank Talk About Texting and Driving
This is a good time to talk to your teens about the dangers of texting and driving. READ MORE...


VOL. 4, ISSUE 6   •   FEBRUARY, 2009
Do You Have a Personal Recovery Plan?
You should have a plan for your financial recovery from these uncertain economic times. READ MORE...


VOL. 4, ISSUE 5   •   JANUARY, 2009
Someone You Should Know: Rob Terranova
In addition to working with his own property/casualty clients, Rob Terranova helps all Bensman Group clients with their claims and home appraisals. READ MORE...


VOL. 4, ISSUE 4   •   DECEMBER, 2008
Homeowner Insurance Rates
There are reasons why the drop in the housing market has not caused a drop in homeowner insurance premiums. READ MORE...


VOL. 4, ISSUE 2   •   OCTOBER, 2008
Insurance Solutions to Market Turmoil
Using life insurance as an asset class can help investors diversify their assets during financial crisis. READ MORE...


VOL. 4, ISSUE 1   •   SEPTEMBER, 2008
Looking Back -- And Forward
This is my five-year anniversary with Bensman Risk Management. A lot has changed during those years. But a lot also has remained the same, especially our continued commitment to serve our clients. READ MORE...


VOL. 3, ISSUE 12   •   AUGUST, 2008
A Crash Course in Insurance and the College Student
As your child gets ready to head off to college, there are a few insurance issues you should add to your to-do list. READ MORE...


VOL. 3, ISSUE 11   •   JULY, 2008
Keep Long-Term Focus During Market Downturn
In unsettling times like these in the market, it is especially important to keep your focus on your long-term goals. READ MORE...


VOL. 3, ISSUE 10   •   JUNE, 2008
A Good Time to Check Your Umbrella Coverage
While you are enjoying some summertime fun, don't forget to check the limits of your excess liability, or umbrella, coverage. READ MORE...


VOL. 3, ISSUE 9   •   MAY, 2008
Home Remodeling and Your Insurance Coverage
Your insurer needs to know when you start a home remodeling project, so that your coverage can keep up with your improvements. READ MORE...


VOL. 3, ISSUE 8   •   APRIL, 2008
Experiencing a Claim Teaches Important Lessons
I have helped lots of my clients handle claims with their insurance companies. But when I experienced a claim of my own, I found out I had several things still to learn. READ MORE...


VOL. 3, ISSUE 7   •   MARCH, 2008
Protect Against Liability for Identity Theft
The Bensman Group can help business owners get the protection they need against liability related to theft of client information. READ MORE...


VOL. 3, ISSUE 6   •   FEBRUARY, 2008
Bensman Increases Commercial Insurance Depth
We are very pleased and proud to announce that Timothy S. Maurer has joined the Bensman Risk Management Team. READ MORE...


VOL. 3, ISSUE 5   •   JANUARY, 2008
Take Time to Check Beneficiary Forms
When you purchase a life insurance policy or open a retirement plan, you name a beneficiary -- the person who will get the money when you die. It is important that you review that beneficiary decision periodically, to make sure you are still protecting the people you love. READ MORE...


VOL. 3, ISSUE 4   •   DECEMBER, 2007
New Rules for Young Drivers
The State of Illinois has new rules designed to better prepare young people for driving. The rules take effect Jan. 1, 2008, and they apply to 15-year-olds getting their learner's permit as well as to recently licensed young drivers. READ MORE...


VOL. 3, ISSUE 3   •   NOVEMBER, 2007
Long-Term Disability Insurance Helps Protect Your Assets
Whether you are an employer or an employee, disability insurance can be an important tool in adding financial protection. READ MORE...


VOL. 3, ISSUE 2   •   OCTOBER, 2007
New Auto Insurance Rating System
A new auto rating system, called predictive modeling, considers many factors to arrive at a rate that is designed to more accurately reflect your risk. READ MORE...


VOL. 3, ISSUE 1   •   SEPTEMBER, 2007
Serving the Whole Client
The holistic, integrated team approach of The Bensman Group helps our clients create a team of professional advisers who can provide the answers they need in several important aspects of their lives. READ MORE...


VOL. 2, ISSUE 12   •   AUGUST, 2007
Consider a Group Approach to Umbrella Coverage
Anyone with assets to protect should consider excess liability, or "umbrella," coverage, and the more assets you have, the more coverage you may need. However, very high limits -- over $10 million -- can be very costly. A group policy may be able to protect a firm's top executives at a lower cost and with better terms. READ MORE...


VOL. 2, ISSUE 11   •   JULY, 2007
Update from Bensman Risk Management
It's hard to believe that half of the year is officially gone already. It used to be that you got used to the New Year when you stopped writing the prior year in your checkbook. READ MORE...


VOL. 2, ISSUE 11   •   JULY, 2007
Managing Premiums
Did you know that an easy way to reduce your home insurance premium is to increase your policy deductible? Now home insurance carriers can make it worth your while to do so. READ MORE...


VOL. 2, ISSUE 10   •   JUNE, 2007
The Final Step: Distribution of Assets
In earlier issues of Insurable Interests, professionals with The Bensman Group have talked about the first two steps in creating a strong financial framework for your life: protecting the assets you have, and accumulating more assets. The final step is distributing those assets as part of your estate. READ MORE...


VOL. 2, ISSUE 9   •   MAY, 2007
Protect and Then Accumulate
At The Bensman Group we want to be your strategic alliance for life. Our organization is positioned to help you protect, accumulate and distribute your assets. In an effort to continue to bring you timely and helpful information, Insurable Interests will begin bringing messages from other key professionals in our firm like myself. READ MORE...


VOL. 2, ISSUE 8   •   APRIL, 2007
What You May NOT Know About Insuring a Home Remodel
Please let us know if you are planning to do any home remodeling or renovations. While your homeowner's insurance policy includes special replacement-cost provisions for homes under construction or renovation, it is critical that... READ MORE...


VOL. 2, ISSUE 7   •   MARCH, 2007
Your Financial "Spring Cleaning"
It's spring, the traditional time for brushing off the cobwebs and cleaning the winter grime. Spring cleaning also should extend to your financial house. READ MORE...


VOL. 2, ISSUE 6   •   FEBRUARY, 2007
Bling! Now's A Good Time To Size Up Risk Exposures
If you gave or received a gift of jewelry for Valentine's Day, now is the time to protect your "bling." Jewelry valued at $1,000 or more may need to be scheduled as a new item on your homeowner's insurance policy. But don't assume that's all you should address. READ MORE...


VOL. 2, ISSUE 5   •   JANUARY, 2007
First Time Drivers and Your Insurance Premiums
Like death and taxes, an increase in your auto insurance premium is inevitable when an inexperienced driver is behind the wheel. READ MORE...


VOL. 2, ISSUE 4   •   DECEMBER, 2006
Dave's Top Ten
As 2006 comes to a close, DO NOT head into 2007 with gaps in your auto, homeowners or personal umbrella liability insurance coverage. READ MORE...


VOL. 1, ISSUE 7   •   NOVEMBER, 2006
A New Look at Gratitude
Sometimes, November can seem like the grayest and most dismal month of the year. The days are short; we get up in the dark and come home in the dark. Isn't it curious that this dark, damp, and dreary time of year is the time we are most reminded to be thankful? READ MORE...


VOL. 1, ISSUE 6   •   OCTOBER, 2006
Don't Fall Behind This Season
It's time to face it. Summer is officially over, and fall is upon us. The days are getting shorter, the school year is in full swing, and the holidays are right around the corner. Aside from getting an extra hour of sleep, falling back can be challenging. READ MORE...


VOL. 2, ISSUE 1   •   SEPTEMBER, 2006
Reduce Your Risk of Identity Theft
Identity theft is one of the fastest growing crimes in the United States. For those of us that use credit cards routinely, we are potential victims of credit card fraud. Read on to learn more about how you can take the necessary steps to reduce the risk and impact of identity theft happening to you. READ MORE...


VOL. 1, ISSUE 12   •   JULY, 2006
Expect The Unexpected
As we all know, life is unpredictable. Quite often things do not go as planned, and every now and then we are thrown a real curveball. Through our years of experience, we come to realize that life is full of all sorts of surprises. As the saying goes, "Expect the unexpected." READ MORE...


VOL. 1, ISSUE 11   •   JUNE, 2006
Summer Travel Planning
As we head into the summer months and people are planning their vacations, a common question we are asked is whether or not one should purchase the insurance offered by the rental car company. READ MORE...


VOL. 1, ISSUE 10   •   MAY, 2006
Extending Our Services
One of the great traditions of The Bensman Group is collaborating with people that we truly enjoy working with; READ MORE...


VOL. 1, ISSUE 9   •   APRIL, 2006
Safety First
At The Bensman Group a theme we continue to emphasize with our clients is safety. As premier risk managers, we clearly feel that taking steps to reduce risk by taking reasonable safety precautions is as important as insuring risks. The story that follows illustrates this. READ MORE...


VOL. 1, ISSUE 8   •   FEBRUARY, 2006
Significant Insurance Updates for Early 2006
Last month, I briefly described some of the insurance changes that will be affecting homeowners. But changes have also been occurring over the last several years affecting life insurance contract holders. How will these affect our clients? READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2005
Key Principles to Wealth Management
At The Bensman Group we strive to conduct our business on the basis of sound principles. These principles serve to guide us in defining our relationship with you and how we deliver our services. READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2005
Managing The Risk of Natural Disasters
With two major hurricanes hitting the Gulf Coast in the span of one month, natural disasters of this magnitude may cause those of us who haven't been directly affected to pause and ask, "Could this happen to me? What if it did?" READ MORE...


VOL. 2, ISSUE 11   •   JULY, 2007
Managing Premiums
Did you know that an easy way to reduce your home insurance premium is to increase your policy deductible? Now home insurance carriers can make it worth your while to do so. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2005
Cornerstone Relationships
At The Bensman Group, we value deep client relationships. As one of your trusted advocates, we strive to be a "cornerstone" advisor that comprises the foundation of your financial picture. READ MORE...


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