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. 4, Issue 5January 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...

Role of the Executor
Being executor of an estate is a big honor -- and a big responsibility. READ MORE...

Insurance for Fido
You know the importance of having health insurance coverage for yourself. But what about Fido or Fluffy? Is pet insurance a ridiculous idea, or smart money management? READ MORE...

The Science of Happiness
Scientists have discovered that the way you approach life can have a significant impact on how happy -- or unhappy -- you are. READ MORE...

Start the New Year Off Right

The start of a new year is the time for all kinds of resolutions. So take the opportunity to resolve to do a check of some basic, but extremely important, financial items, including:

  • Your beneficiaries. Many people name a beneficiary on their life insurance, retirement plan, etc., and then don't think about it again. But life changes, and changes such as marriage, divorce, and the birth of children and grandchildren may cause you to want to change your beneficiaries.

  • Your insurance amounts. Have you looked lately at the amount of coverage you have on your life and property? Is it adequate, or should you adjust it to reflect changes in your life situation?

  • Your asset allocation. Is your allocation appropriate given your unique needs, the economy and the capital markets? Do you have a portion of your assets in protected or guaranteed programs with potential for appreciation or guaranteed future cash flow?

  • Your will. If you don't have a will, you should. And if you have a will, you should review it to see if it needs to be updated.

  • Advance directives. While you're at it, review things like your living will and power of attorney, to make sure they also are up-to-date.

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