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.

Insurable Interests was created by The Bensman Group and Osmosis Digital Marketing. Neither The Bensman Group nor Kestra IS nor Kestra AS are affiliated with Osmosis Digital Marketing.

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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. 6, Issue 6February 2011



MONTHLY MESSAGE
Itemized or Blanket Coverage for Jewelry?
If you have valuable jewelry, your homeowner's policy alone probably does not offer sufficient protection. READ MORE...


FINANCIAL INTERESTS
What To Do With Your Tax Refund
So you filed your taxes, and now you are getting a nice refund. What should you do with this welcome windfall? READ MORE...


FINANCIAL INTERESTS
Good Cities for Homebuyers
The housing market continues to sputter over much of the nation. However, according to AOL's personal finance website, there are some bright spots. READ MORE...


LIFESTYLE INTERESTS
Handling Trouble Overseas
Although your trip abroad is most likely to go smoothly, it is important to remember that the world can be a dangerous place. What should you do if you find yourself in the middle of a natural disaster or civil unrest? READ MORE...

MONTHLY REMINDER
Let Us Know About Mortgage Changes

Refinancing or otherwise changing your mortgage can save you money and advance your financial goals. But if you make a change to your mortgage or pay off a mortgage or home equity line of credit, please let us know right away. Once informed, we will make the necessary adjustments to your homeowner's insurance coverage.

Most people remember to contact us when they first get a mortgage. However, often the mortgage holder sells the mortgage almost immediately. Or your mortgage company might be acquired by another company; this has been especially common in the last few years. If your mortgage was sold or your mortgage company was acquired, you probably received a letter from the new company asking that you update your insurance with new information. Once informed, we would send updated insurance documents. If you don't let us know, you probably will receive another letter saying that your new mortgage holder is going to take out "forced placement" insurance on your behalf. Although most banks will cancel the placement with no cost to you once they receive notice of insurance, you could end up having to pay for the forced placement coverage.

So before that happens, just give us a call or send us an email at 847-572-0800 or dmiller@bensman.com with your new information, and we'll be happy to handle the rest.

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