Mellisa Ray Insurance Agency

Bedtime Story: U.S. Federal Tax Code. How many pages have you read?

Just a moment...

Don't overlook employment practices liability insurance (EPLI)! It's crucial protection against claims brought forth by employees alleging wrongful employment practices (including discrimination, harassment, and wrongful termination)

Did You Know?

⚖️ Defending a single-employee lawsuit can easily cost $40,000-$120,000.
⚖️ Companies embroiled in lawsuits often divert substantial resources toward defense, leading to prolonged resolution periods.

EPLI is essential for businesses of all sizes. Let’s protect your business from financial and reputational damage.📞 Contact us today for tailored solutions for your business.

The financial risks to consider when evaluating self insurance?

When to Self-Insure Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?

Finding an annuity that meets your long-term objectives requires time and research but may be the key to boosting your financial success in retirement. Read more:

Why An Annuity May Be Key to Your Retirement Plan If you’re looking for a way to supplement your income in retirement, an annuity may be for you.

Just like an umbrella shields you in summer storms, personal umbrella insurance offers an extra layer of protection against life's unexpected storms.

Whether you're hosting gatherings, hitting the road for a vacation, or enjoying outdoor activities this summer, an umbrella policy will provide additional coverage for liability claims beyond your primary insurance policies.

Here are a few key benefits of umbrella insurance:

1️⃣ Comprehensive Liability Coverage: Extend beyond the limits of your primary insurance policies, such as auto or homeowners insurance, providing coverage for bodily injury, property damage, and other liability claims.

2️⃣ Legal Protection: In the event of a lawsuit, a personal umbrella policy covers legal fees, court costs, and settlements.

3️⃣ Flexible Options: Coverage limits typically start at $1 million and go up from there, depending on your needs and the insurer.

📞 Reach out by phone or email to learn more about personal umbrella insurance and ensure you have the protection you need for a worry-free summer. Don't let unexpected events ruin your plans!

In our connected world, most of us have a home network linking our devices, baby monitors, and more. But did you know that we often overestimate the security of these networks?

The truth: Our home networks are more vulnerable than we think, and hackers are getting smarter by the day. Here are a few ways you can secure your home network system:

🔄 Regular Software Updates: Yes, it can be a hassle, but keeping your software up-to-date is key to protecting against security breaches.

🗑️ Declutter Your Digital Space: Uninstall unused software, services, and apps. They're not just taking up space; they could be open doors for hackers!

🔐 Strong Passwords: Ensure your password is strong and change it regularly.

💻 Antivirus Is a Must: Running antivirus software keeps your network clean and less appealing to cyber criminals.

Ultimately, being proactive is key to staying safe from cyber threats — and, in some cases, a cyber insurance policy may be warranted. As always, reach out to our team with any insurance questions or needs.

What will your family do if you can't earn an income? Here are steps you can take today.

Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Most of us have signed up for group life insurance policies at work, but do these policies provide sufficient protection? Swipe for the answer ➡️

As always, if you’re interested in exploring your life insurance options, do not hesitate to reach out. We are here to help!

Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:

The Basics of Medicare Learn all about Medicare basics in this informative and insightful article.

Did a power outage stop your well pump? You can still flush the toilet with this tip.

Did You Know This Fact About Flushing the Toilet? Did you know you can still flush the toilet, even if your well pump is stopped.

Feeling overwhelmed with Medicare details as you near retirement? You are not alone! Our team is frequently asked about the right time to sign up for Medicare and how to do it!

Here’s what you need to know: Your Medicare enrollment window is a generous seven months, starting three months before your 65th birthday month and ending three months after. Pro tip: Enroll early in this period to ensure your coverage starts just when you need it.

📞 Questions? Let's chat! Medicare doesn't have to be a maze. If you're pondering over medical costs or the ins and outs of signing up as you approach 65, our team is here to help. Give us a call for personalized guidance and peace of mind on your Medicare journey.

Today, on World Drowning Awareness Day, we shed light on a deeply concerning issue that claims between 3,500 and 4,000 lives annually in the United States. Tragically, most victims are children aged 1–4, with the majority of drownings occurring in home swimming pools.

Drowning is preventable and, by working together, we can dramatically reduce these tragic losses. Share this post with your network to spread awareness.

Are you planning a trip and wondering whether or not to buy additional travel insurance? Before handing over your money, learn a little more about the benefits and gaps in these types of policies.

4 Things Trip Insurance Does (and Doesn't) Cover Planning a trip but unsure if travel insurance is a good idea? Check out these 4 key things to know what travel policies cover - and what they don’t.

As we zip through the year, it's the perfect moment to pause and reflect on your coverage needs. 🕒 Have there been big changes in your life recently? It's crucial to ensure your insurance coverage keeps pace with life's twists and turns.

Whether it's a change in family dynamics 👨‍👩‍👧‍👦, moving to a new place 🏠, insurance transitions like turning 26 or losing job-related coverage 📄, or any other significant milestones, these moments can affect your coverage and premiums.

If any of these resonate with your current situation, let's talk! Updating your coverage now can keep you well-protected and ensure you're getting the best value for your needs.

Drop a message or give a call – let's make sure you're covered exactly as you need.

Have a kid heading off to college? Here are a few tips.

A Cheat Sheet for Sending Your Kid to College Dropping off your child is loaded with emotions; here are a few tips for a smoother experience.

Everyone's looking for ways to save money. But when it comes to insurance, cutting the wrong corners could lead to expensive pitfalls. Swipe through for important considerations regarding commercial auto insurance ➡️

Interested in safeguarding your employees and your peace of mind on and off the road? Reach out! We’re here to help navigate the ins and outs of protecting your business vehicles and the people who drive them.

Myth or Fact – the IRS taxes life insurance benefits? 🤔 Today, we’re sharing the definitive answer. Swipe to learn more ➡️

As always, if you’re interested in exploring your life insurance options, do not hesitate to reach out. We are here to help!

Creating a home inventory can help you fully recover any property losses you incur. Include these four things.

Inventorying Your Possessions Creating an inventory of your possessions can save you time, money and aggravation in the event you someday suffer losses.

Planning an international getaway? Generally, Medicare does not cover health care services when you're traveling abroad, with a few exceptions:

☑️ Emergency services onboard a ship within the territorial waters of the U.S. when the ship is within six hours of a U.S. port. The doctor must also be legally allowed to provide medical services on a cruise ship.
☑️ Medically necessary services in a foreign country under specific circumstances, such as if a medical emergency occurs in the U.S. but the foreign hospital is closer, or during travel through Canada without unreasonable delay between Alaska and another U.S. state.
Should these exceptions apply, you're still responsible for the usual deductibles, copayments, and coinsurance as if you were in the U.S. However, in most cases, you'll be responsible for 100% of the costs.

Traveling should be about making memories, not worrying about coverage. Whether you're exploring new horizons or visiting loved ones, our team is here to help ensure you're prepared for any health care needs abroad.

Feel free to reach out anytime with questions about your Medicare coverage while traveling🌟✈️

Increase and motivate your with these five simple and inexpensive ideas.

Creative Ways to Motivate Your Employees Five creative (and inexpensive) ideas for motivating your employees.

Are primary wage earners the only ones who need life insurance? Today, we’re tackling this common question.

Swipe for the answer ➡️ And if you’re interested in learning more about your life insurance options, do not hesitate to reach out. We are here to help.

changes everything, including your needs. Here are some things to look out for

Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including your insurance needs.

Summer is here! And as many of us gear up for travel adventures, our team wants to ensure you're fully prepared and protected. After all, exploring the great outdoors also means taking extra precautions against tick-borne illnesses like Lyme disease.

Swipe through for tips on how to stay safe ↩️ Have questions about your coverage while traveling? Our team is here to help. Reach out to us anytime.

Low car lease payments look great, but do you really save money in the end?

Should I Buy or Lease an Auto? This calculator compares the financial impact of leasing versus buying an automobile.

Did you know that nearly 82% of American adults plan to travel in 2024? With the roads getting busier, it's essential to stay vigilant, especially considering that more than 30% of all fatal crashes occur between June and August.

To ensure you and your loved ones enjoy a safe journey, swipe through for some critical safety tips to remember before you embark on your summer adventures.

Feel free to share this post with friends and family planning their summer getaways. Your vigilance can make all the difference. As always, we're here for any questions or help you might need as summer unfolds.

Mid-year is the perfect time to check in on your business coverage. Is everything up-to-date with the latest changes in your business?

Reviewing your coverage regularly is key, especially after major events that could affect your needs and premiums. Here are a few scenarios to consider:

🏢 Changes in business size, structure, or ownership
🚚 Moving locations or opening new ones
📈 Adjustments due to industry regulations, new markets, or product launches
💰 Financial shifts like revenue changes, new financing, or significant investments

If any of these sound familiar, it's time for a chat! Updating your coverage now can keep your business safeguarded and financially savvy for the latter half of 2024.

Reply to this message or give us a call to get started. We’re here to help your business stay protected and thrive!

Are you ready to solve a credit report crime with John Q. Gumshoe? Grab your magnifying glass and click here to learn more.

How to Read Your Credit Report Solve a mystery while learning how important your credit report is with this story-driven interactive.

If you’re over 40 and thinking about getting married, you should revisit your life insurance policies and make sure your spouse is covered. Read more here:

Insurance When You Marry After 40 If you’re getting married for the first time or remarrying after age 40, life insurance is a must for you and your spouse. Read on and learn about why life insurance is a crucial part of your estate strategy.

🚗 2024 Mid-Year Auto Insurance Update 🚗

As we move through 2024, we want to ensure all of you are armed with key information come auto policy renewal time. Swipe for an overview of three key points to know ➡️

As always, we’re dedicated to helping our network navigate the insurance landscape with confidence and clarity. Reach out with questions or needs anytime.

Heading out on vacation? Make sure your home stays safe while you're away! Here are some quick tips to secure your house:

🕒 Set Timers on Lights: A lit home is a less tempting target. Timers can give the impression that someone is always home.

💧 Turn Off Water: Avoid the nightmare of burst pipes! Shut off your water main before you leave to prevent any potential water damage.

📬 Hold Your Mail: Overflowing mailboxes are a clear sign you're not home. Use online services to hold your mail, or ask a neighbor to collect it.

🚨 Inform Your Alarm Company: If you have a home security system, notify your alarm company about your travel plans. This helps ensure they stay alert to any unusual activity.

Travel stress-free knowing your home is safe! 🏠As always, if you have any questions about current homeowners coverage or your insurance options, do not hesitate to reach out. We are here to help.