Archive for September 2013

3 Fictional Characters That Could Have Used Life Insurance

For many people life insurance is something they only think about when it is “open enrollment” day for their company’s benefits. On this day, many will agree to a few dollars to be subtracted from their paycheck, and voila! there’s instant insurance. The trouble is having only minimal insurance can leave your family struggling in the event that they actually need to make up for your absence.

Here’s a few fictional examples of characters who can help demonstrate the importance of life insurance.

First off are one of the couples on the NBC show “Parenthood,” Joel and Julia Graham. The couple spent one season preparing to adopt a newborn from a young pregnant woman, but when she changed her mind they began the process of adopting an older child, Victor. The experience was quite emotional, which can potentially cause some procrastination. With both of these characters being quite sensible, it is likely that there was a policy in place before adopting Victor which helps assure they are prepared for any surprises, and that lists one another and their daughter Sydney as beneficiaries. But with these policies, not everyone in the family is automatically named, so each person needs to be added specifically in order to be covered.

Cinderella’s Father

While the story of Cinderella turned out “happily ever after” in the end, a fairy godmother isn’t something everyone can count on. Before snagging the prince, Cinderella was at the mercy of her stepmother and stepsisters, cooking, cleaning, and running around in rags. Had her father made her the beneficiary of a life insurance company, she may have been able to move out and get an apartment, maybe go to college, all while still making it to the ball and leaving whenever she desired.

Snow White’s Parents

Even though the “Whites” were royalty, they should have still realized the importance of life insurance. After his wife died, the king quickly and foolishly married a woman who would become the evil queen who would have poor Snow White sneaking off into the woods, running for her life. A few dollars in her pocket could have done her a lot of good, but after her father died, his estate went to the evil queen due to the community property laws in the kingdom. An updated life insurance policy would assure that Snow was listed on the policy and that she is able to collect without penalty.

The specific terms of a life insurance policy can vary, so it’s important to double check which situations are covered, and which are not. One way to get that understanding is to talk with a representative at Dean Davis Insurance in Austin, TX. With many years of experience working with many types of insurers, including life, home, and auto insurance Dean Davis Insurance can steer you toward the coverage you need. To learn more, contact Dean Davis Insurance today.


80’s Concert in the Park!

Brush up on your Moonwalk and get ready to dance the night away listening to great hits from one of the best music decades – the 80’s! Come to Elizabeth Milburn Park at 7pm on September 27th for a totally 80’s concert in the park featuring Radiostar! Admission is free – bring the whole family and blankets or chairs to sit on. There will be food and beverage vendors available, or feel free to bring your own!

Get into the spirit of the evening by dressing in styles from the 80’s. Break out your fluorescent clothes, jelly shoes, designer jeans or parachute pants and make your hair big… really big. There will be a totally rad 80’s costume contest and cash prizes will be awarded for 1st, 2nd and 3rd place winners! Like totally!

Dean Davis Insurance is happy to advise you of fun family events and happenings in the Austin, TX area as well as important insurance information. We specialize in meeting the auto, home and life insurance needs for those in the greater Austin area. Contact us today to see how we can help you lower your insurance premiums!


5 Great Apps to Stimulate your Mind

Dean Davis Insurance agents recommend that you take advantage of using free or inexpensive phone and computer apps for your mind. If you want to train your brain to increase its abilities, try one or all of the following 5 great apps for your mind:

1. Android Memory Trainer app

The popularity of the Android Memory Trainer app is due to its stimulating puzzles that get progressively more difficult with practice. The Memory Trainer also includes tips and a graph that shows users their progress.

2. Lumosity

Learn how to improve your memory and develop better concentration skills with the help of more than 40 built-in games. The free version of Lumosity includes three free games per day that include a Performance Index.

3. Android Mind Games

Perfect for short breaks, the Mind Games app helps you to memorize faces and improve your vocabulary. The app with ads is free. People who want a version without ads pay a nominal monthly fee.

4. Brain Power Lite

Apps for your mind include the AT&T Brain Power Lite app that interacts with your iPhone. Improve your brain’s comprehension of mathematics and logic with 43 games.

5. Brain Tuner Lite

Perfect for all age groups, the AT&T Brain Tuner Lite app only takes a few minutes of use every day. The app can improve your mind within a short amount of time.

For more information about types of insurance you need in the Austin area, contact Dean Davis Insurance.


Cars Most Prone to Theft

Dean Davis Insurance agents want to remind clients that incidents involving auto thefts occur frequently. While statistics show that mid-sized luxury cars and pickup trucks appeal to many thieves, other types of vehicles are also prone to theft. Auto theft involves looking for easy ways to steal vehicles, and car owners can often take active roles in preventing auto theft by practicing a few simple strategies.

One thing any vehicle owner can do to prevent auto theft is to turn off the motor while paying for gasoline or making a quick trip to the store. Allowing the motor to run is a sure invitation to a thief who wants to steal a vehicle quickly and with little effort. Another thing to avoid is storing a spare car key in a special hiding place located on the exterior of a vehicle in case of a lockout.

Instead of keeping a spare key on the exterior part of an automobile or truck, the vehicle owner should carry the key in a pocket or purse. It is also a good idea to have the number of a locksmith on hand. One excellent way to solve the threat of auto theft is to have ample auto insurance coverage. For more information about preventing auto theft and obtaining an auto insurance policy in the Austin area, please contact Dean Davis Insurance.


New Teen Driver in the Family?

When you have a teen driver or soon-to-be teen driver in your household, there are a lot of concerns. Not only do you want to make sure your teen stays safe on the road, you have to worry about what to do in terms of auto insurance too.

In terms of insurance, working with an independent agent is often the best way to go. He or she can help you choose the right policy option for your family—which may be vastly different than you thought! An agent is here to work with you and get you a great deal on the coverage you want.

As far as imparting good driving habits on your teen, that’s harder. A hard and fast rule against texting and driving is important. As far as the basics behind the wheel, sometimes a driver’s education course is best. It takes the pressure off your teen as far as trying to learn with his or her parents, plus you may qualify for auto insurance discounts after your teen takes the class too.

For more driving safety tips for your teen in the Austin, Texas area please contact the Insurance Agency of Dean Davis today.