ABP Insurance Brokers

December 13th is National Cocoa Day, and there's no better way to embrace the cozy vibes of the season than by sipping on a delicious cup of hot chocolate ☃️

That’s why today we are sharing our favorite hot chocolate recipe and step-by-step instructions. Trust us, you won’t be sorry!

Ingredients:
✨ 2 cups of milk (your choice: whole, skim, almond, etc.)
✨ 2 tablespoons of unsweetened cocoa powder
✨ 2 tablespoons of sugar (adjust to taste)
✨ 1/4 cup of water
✨ A pinch of salt
✨ 1/2 teaspoon of vanilla extract
✨ Whipped cream, marshmallows, or chocolate shavings for topping (optional)

Instructions:
1. In a saucepan, mix cocoa powder, sugar, and a pinch of salt. Add 1/4 cup of water and bring to a gentle boil, stirring constantly until it becomes a smooth, thick syrup.
2. Stir in the milk and heat over medium heat until hot but not boiling. Be sure to keep stirring so it doesn’t stick to the pan!
3. Remove from heat and add vanilla extract. Mix well.
4. Pour into your favorite mug, top with whipped cream, marshmallows, or chocolate shavings, and enjoy the warm, chocolatey goodness!

This season is the perfect time to cozy up with a hot chocolate, whether you're by the fireplace, watching your favorite holiday movie, or just looking to enjoy a warm drink 👩‍🍳

Let us know in the comments if you’re going to try our recipe or share your favorite below ⬇️

The holiday season is here, and you know what that means – joy, celebrations, and yes, shopping! 🎁

Before you dive headfirst into the digital shopping frenzy, we've got some handy online shopping tips to keep your spirits merry and your budget bright.

We want to know: what are some of your favorite sites to shop on during the holiday season? Tell us in the comments!

Before the Thanksgiving madness takes hold (in the best way, of course), we want to take a moment to thank you 🧡 And while we don’t want to “pour it on too thick,” your continued trust and support are like the gravy to our mashed potatoes. This holiday, we just want to say that our growth is all thanks to incredible people like you! ✨

P.S. Our office will be closed on Nov 23-24, but we're back on Nov 27. Wishing you a joyful Thanksgiving from the whole team! 🍁

Do you have a favorite food you like to make for Thanksgiving? Let us know in the comments ⬇️

Fall is in the air, and you know what that means – it's time for some delicious pie debates! 🥧

Tell us in the comments, are you team Apple Pie 🍎 or team Pumpkin Pie 🎃 this season? The use of emojis is encouraged.

Whichever camp you're in, let's all agree that fall is the perfect time for indulging in these scrumptious treats and savoring the season's goodness 😋

If you have a health savings account (HSA), it’s good to know how much you can contribute and how much you may have to pay for health expenses each year 🏥

To help you out, we’ve placed below the numbers for individuals in 2023:

💰 Contribution Limit = $3,850

💰 Minimum Deductible = $1,500

💰 Annual Out-Of-Pocket Maximum = $7,500

If you think these numbers are noticeably higher than last year, you’d be correct – the IRS set them higher in response to inflation ⬆️

Have questions about HSAs? Reach out – we’re here to help! In the meantime, share this post with your network to spread the word about these key 2023 figures.

Today, we're celebrating the sweetest day of the year – National Candy Day! 🍭 Whether you're a chocolate lover or have a soft spot for classic candies, today is the day to indulge your sweet tooth! 😄🍫

Our team is full of candy-lovers, so we want to know: what’s your ultimate candy craving? Drop a comment below and share your all-time favorites! ⬇️

📣 ACA Open Enrollment Alert! 📅

From November 1 to January 15, you can sign up for a new plan or make changes to your existing one. Don't miss the opportunity to secure the best coverage for the upcoming year!

💬 Plus, if you'd like personalized guidance, we’re just a phone call away. Your peace of mind and well-being are our top priorities.

Call or email us with any questions, and be sure to share this post with your network to spread the word.

Is there something this October that has you preoccupied, anxious, or discouraged? Here are a few words of encouragement: don’t give up.

As one of our nation’s most brilliant and determined inventors once said:

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” - Thomas Edison

If you know others who could be helped by this message, share this post!

Happy National Coffee Day! 🌟☕️

Let's spice up this caffeinated celebration with a delicious coffee-inspired recipe that will tantalize your taste buds! Introducing: Mocha Chip Frappuccino Brownies! 🍫✨

Now, sit back, relax, and savor the irresistible combination of rich chocolate and coffee flavors. Share this delightful recipe with your friends and family, and let them indulge in the blissful fusion of two beloved treats!

Curious about no-exam life insurance? We’ve had a number of clients ask about it, so we thought we’d share a few key things to know before making a decision:

2️⃣ There are two types: guaranteed issue, which requires no medical info, and simplified issue, which requires a brief questionnaire. We’ll focus on simplified issue today!

✔️ There are some clear benefits of simplified issue, no-exam policies, including the easy application process. It can also be helpful for those with health issues.

❌ There are some drawbacks to consider, including coverage limitations ($25,000-$300,000), higher premiums compared to traditional policies, and term length, which is usually 10 to 30 years

Ultimately, any life insurance is helpful, but for the best protection, it’s a good idea to talk to a professional about your specific needs. 💬 Reach out if we can of help, and share this post to spread the word!

🚚 Happy Trucker Appreciation Week! 🎉 We want to give a big shoutout to all our amazing trucking partners who play a crucial role in keeping our economy thriving. Your hard work behind the scenes impacts the everyday lives of Americans in a significant way.

We're here to support you every mile of your journey 🤝 Whether you need help with coverage options or general guidance, don't hesitate to reach out to our office or send us an email.

During this special week and always, we wish you and your team safe travels, continued success, and well-deserved recognition. Thank you for all that you do! 🙌

Experience a big life change recently? If you have life insurance, you may no longer be adequately covered 🤔 Here are a few big changes that mean it’s time to review your policy:

✔️ You married or divorced.
✔️ You welcomed a child into your family.
✔️ You started a new job or a business.
✔️ You received a medical diagnosis that may require costly treatments.
✔️ You purchased a home.

If you’re not sure if an event qualifies as a significant life change, just ask – we’re happy to help.

In the meantime, share this post to spread the word!