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. 2, Issue 12August 2007



MONTHLY MESSAGE
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...


FINANCIAL INTERESTS
Do Extended Warranties Make Sense?
When you buy an appliance or an electronic item, the salesperson probably asks if you want to buy an extended warranty. Should you say yes? READ MORE...


LIFESTYLE INTERESTS
Hot Wheels
You always wanted to drive a Ferrari or a Bentley, but you are stuck with a minivan. Luxury car rental firms can let you fulfill your driving fantasies, even if it's only for a day. READ MORE...


LIFESTYLE INTERESTS
Fighting Memory Loss
You are getting older, and you notice that you forget things more often than you used to. But memory loss does not have to be an inevitable part of aging, and there are things you can do to fight back. READ MORE...

MONTHLY REMINDER
Protecting the Tailgate

If you have an SUV or a minivan, you probably have opened the back, only to have the tailgate go up higher than you expected and hit something, like the garage door. The first time that happened, you may have ended up with a nasty scratch or even a gouge. But no matter how carefully you open the tailgate, you can still get scratches from movement caused by weight shift, such as when you take heavy things out of the van.

You could build a new garage, of course. But there is a much less expensive solution. Find an old towel or blanket, and keep it handy to put on the tailgate to cushion it when it goes up. You can leave your towel or blanket in the garage, or you can even put it in the back of the van -- as long as you can throw it over the tailgate in time to preserve your paint job.

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