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

Vol. 3, Issue 5January 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...

Checking Your Allocation
As you approach retirement, you may be considering a more conservative investing approach to protect against market volatility. But remember that you may live for many years in retirement, and you need to plan for the long term, too. READ MORE...

The Value of Volunteering
You know you can help others by volunteering. But you may be surprised to find out how much you can also help yourself. READ MORE...

Keeping the Magic in the Magic Kingdom
Orlando is one of the most popular vacation destinations in America, with a virtually endless list of area attractions from Walt Disney World to Gatorland. Get the most out of your Orlando vacation by doing your homework before you leave. READ MORE...

The Season for Frozen Pipes

Frozen water pipes can be messy, inconvenient -- and expensive. As the low temperatures settle in, give a little extra attention to your pipes. The American Red Cross offers the following suggestions for preventing or dealing with frozen pipes:

  • Open the doors to your kitchen and bathroom cabinets to let warmer air circulate around the plumbing. (Be sure to move dangerous cleaners and chemicals out of the reach of children and pets.)
  • When it is very cold outside, let the cold water drip from faucets served by exposed pipes. This can help keep pipes from freezing because the water trickling through is above freezing.
  • Don't turn your thermostat down at night during extremely cold weather. If you are going away, don't turn your thermostat down below 55 degrees.
  • If during very cold weather you turn on the faucet and get only a trickle of water, you may have a frozen pipe. Find the area where the pipe is frozen. Try pipes running against exterior walls or where your water service enters your home through the foundation. Keep the faucet open, so that water can flow through as you treat the pipe.
  • Use an electric heating pad, a hair dryer or a portable space heater to heat the frozen section of pipe. You also can wrap the pipe with towels soaked in hot water. Don't use a blowtorch; in addition to the risk of fire, a blowtorch can make the water inside the pipe boil, which could cause the pipe to explode.
  • If you cannot find the frozen pipe, or cannot thaw it, call a licensed plumber.

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