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. 3, Issue 11July 2008



MONTHLY MESSAGE
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...


FINANCIAL INTERESTS
When You Need an Appraisal
That pile of old coins you inherited from your Uncle Wally or that little watercolor you picked up years ago during a beach vacation may be worth a lot more than you think. But how do you find out? READ MORE...


FINANCIAL INTERESTS
Join the Club
Many people find that investing is easier in a group. Investment clubs let friends or co-workers pool their resources and their knowledge. This helps keep everyone on track, it is less intimidating, and it can be a lot of fun. READ MORE...


LIFESTYLE INTERESTS
Teens and Eating Right
Teenagers develop habits that stay with them into adulthood, so you want your teens to eat a healthy diet. But you know their busy schedules sometimes make it hard to choose well. And you also worry that the stresses of adolescence can lead to eating disorders. What should your teens be eating, and how can you help? READ MORE...

MONTHLY REMINDER
Don't Overlook Disability Coverage

Along with summer's warm weather and outside activities may come a certain amount of bumps and bruises. Most are minor, easily fixed with a Band-Aid or an ice pack. But what if a summer mishap -- or an accident or illness at any time of year -- keeps you from going to work? How long could you continue to pay your bills if you did not have a paycheck coming in?

Disability insurance can provide you with income if you are sick or hurt and cannot work. There are two main kinds of disability insurance: short-term disability, which begins to pay you sooner but does not pay for as long a time period, and long-term disability, which takes longer to begin payments but continues the payment schedule for a longer period. Disability insurance usually is priced according to your age, gender, job and the amount of income you want to replace.

Your employer probably provides workers compensation insurance, but that only covers job-related injuries or illnesses. Your employer also may offer disability coverage. If this is the case, you should take a hard look at the amount of coverage you receive under your employer plan, and compare that with the amount of money you would need coming in if your income were cut off. Especially if you are in a higher income bracket, it is very likely that your employer's plan does not provide the income replacement you would need.

At The Bensman Group, we are always happy to help you assess your need for disability insurance, as well as for any other insurance coverage. Just give us a call at 847-572-0800, or email me at jfeiger@bensman.com.

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