Back in Feb. 2021 we announced that we were no longer selling Home, Mobile Home or Dwelling (Landlords) policies due to changes in staff at our office. We did, however, promise to continue to service the policies we maintained.

Recently it has come to our attention that two of our Home Insurance Companies, Lighthouse Excalibur AND Southern Fidelity have been forced into liquidation by the Insurance Commissioner of Louisiana and Florida.

Lighthouse policies expired at 12:01 am today (June 21st, 2022) and Southern Fidelity policies will expire at 12:01 am July 15th, 2022.

In an effort to keep our promise of service to you, we suggest you contact the agent of your choice IMMEDIATELY, so they have time to shop for the best policy to fit your individual needs. If you haven't already replaced your Lighthouse policy, get your coverage in place before a storm develops and they are under binding restrictions!

OR

Contact one of the following Independent Insurance Agents and mention us!

Horace Mann Insurance Co (Ask for Stephanie)
Address: 226 W Prien Lake Rd, Lake Charles, LA 70601
Phone: (337) 439-1346

Kelly Lee Insurance
Address: 3205 Ryan St, Lake Charles, LA 70601
Phone: (337) 656-2890

Advanced Protection Insurance Agency
Address: 1435 Sam Houston Jones Pkwy, Lake Charles, LA 70611
Phone: (337) 905-8585

If we are your agent for Lighthouse OR Southern Fidelity and your new agent needs anything from us (ex: a prior dec page or claim information) have them reach out to us.

*Please remember Home or Dwelling insurance does NOT cover flood! That is a separate policy.*
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Wishing you the best in finding new coverage.
Tommy Curtis and Staff

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 ​It’s that time of year again where the television is filled with commercials on what you can spend your tax refund on. Granted, with many folks still in rebuild after the weather events of 2020/2021, new furniture or a vacation sounds lovely.

But is that really the wisest use of your hard-earned dollars?
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Let’s look at a few ideas….

​Most of us grew up with spring cleaning…. that time of      the year in which you spent a whole weekend cleaning   walls, cabinets, drawers, etc. A weekend you’d have   much rather spent doing anything else. Now, with     Spring approaching, you may already be preparing your   summer toys for usage. Washing and waxing boats, RV’s   and Jet Skis will help protect and keep them in good   condition. Be sure and change the oil, plugs and any   filters too. This is important for pulling them out of storage and before putting them away for the winter.

If cleanliness is next to godliness, how often should you clean various household and outdoor items?

Many of us have a weekly or monthly routine where the most used and/or high traffic areas of our homes get cleaned on a regular basis. But what about those deep-cleaning things like cabinets, walls, mattresses, etc.?

Let’s take a look at the different items and levels of clean.

Some folks say jeans can be washed every other month or less by putting them in the freezer to kill germs, unless of course, something is spilled or splashed on them. Hmmmm, I don’t know so much about this one.

Towels, washcloths, dish rags…those get washed after one or two uses.

Shoes, boots, and other footwear need regular cleansing and/or polishing to maintain their look and performance.

Bedding is another story altogether. Some say weekly for sheets and quarterly for comforters and pillows. I say as often as you feel the need. Most of us go to bed clean so sheets can wait a couple of weeks. Once or twice a year is good for pillows and other bedding items –vacuum & refresh your mattress too–unless you or someone you sleep with has been ill then it’s always a good thing to wash and disinfect right away.

Computers, I-pads, phones, and other electronics should also be cleansed often, daily, or weekly at best.

Cabinets, walls, drawers, carpets, furniture, and closets deserve a deep clean at minimum once each year, but twice is better and remember, decluttering helps you stay calm and focused, especially if you incorporate Feng Shui into the process.

Oven, dishwasher, microwave, and vehicles can be on your monthly list or at the very least, quarterly.

These are standard household/personal items. But what about things you don’t see or even think about daily?

Dryer hose and vents, AC unit and vent covers, shower heads, stove vents & filters, windows, curtains and blinds, ceiling fans, light fixtures and lamp shades, baseboards, molding and woodwork, toasters, and other small appliances? How about on top of or behind your refrigerator and/or stove? Items such as these can be part of your annual or semi-annual cleaning sprees. Waxing your AC vents will help keep the dust from collecting on/in them between cleanings.

Cleansing and repairing your window screens on a regular basis will help keep the sun shining in all the time. While you’re at it, does that house and/or patio (furniture?) need a good pressure wash? What about that shop or garage?

For tips, tricks and checklists check out Pinterest.

Until next time, take care and remember preventative maintenance goes a long way in your vehicles or toys maintaining their value.

Oh and, while we’re talking about keeping things clean and routine maintenance, any time is a good time to review your insurance policies and be sure your recreational vehicles (boats, jet skis, camper/rv, etc.) are properly covered!
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Not sure? Give us a call 337-433-1683.
 
Tommy Curtis & Staff
 
 ©2016 Pamela S Thibodeaux
*previous printing Thrive Magazine 2016; Used with Permission

It’s Medicare Open Enrollment time again and there is a new commercial on television where a “specialist” is giving a presentation on the basics of Medicare. He (the instructor) explains Medicare 101 and then discusses Medicare Advantage Plans. During the course of this 60 second interval one woman asks the question:

“How do I know I’m getting the best plan?”

Of course, the goal of this infomercial is to get you to call the number on your screen, but I’m here to tell you that just like celebrity endorsed sites, these actors know little if anything about Medicare!

The best way to know you’re getting the right plan for your individual needs and budget is to contact a local Medicare agent.
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As with the cost of everything, Medicare deductibles and premiums have increased. Here is your breakdown for 2022….

We've entered into the Holiday Season and we, here at Curtis Insurance, would like to take a moment to say how much we APPRECIATE our loyal and valued clients. You are more than a "customer" you are a friend and we honor your trust in us to fulfill your insurance needs.

Our office is closed Thursday (11/25) and Friday (11/26) in honor of Thanksgiving and we certainly wish you and your family the most Blessed of days.

We will re-open normal business hours (9-5) on 11/29. 

Before you leave our site, please take a moment to review some of our blog posts that are extremely relevant to this time of year. Beginning with Medicare AEP and Holiday Safety Tips, we've a host of information to benefit you in so many ways.

​Be sure and check out our Stress Buster post. Hopefully it'll help you stay calm and serene during the hustle and bustle of the upcoming weeks. 

Soon we'll be entering into a brand-new year! Our article, Take Control of Your Life will give you ideas on how to start 2022 in a healthy place.

Once again, Happy Thanksgiving and Thank YOU...We appreciate your patronage!
Tommy Curtis and Staff

Disclaimers:
Medicare has neither endorsed nor reviewed this information.
Not connected or affiliated with any United States Government or State agency

​Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc.
​{A Life and Health Agency}

Medicare AEP officially began Oct. 15th and will continue through Dec. 7th. Whether you're new to Medicare or have been in the program for years, NOW is the time to review your coverage with your local agent. 

PLEASE beware of Medicare Scams and folks calling to "check or review your coverage." Unless the person calling is someone you know and trust, Do NOT give your information over the phone!

Most of the time these callers are telemarketers or agents out of state or out of your region and will change your coverage simply by your answers to the questions they ask. In many instances, these people have no idea, nor do they care, if your doctor or prescription medicines are in their particular network nor do they know if they are actually giving you the best benefits for your situation and budget!

Be even more wary of celebrities or sports legends touting Medicare benefits on  television or radio ads of which they are PAID endorsers who have no clue what they are talking about! Like the telemarketers mentioned above, the people on the other end of those "Medicare hotline" numbers have no clue nor do they care about your personal situation.

Why don't they care?

Because they don't know you.

Here at Curtis Insurance/Curtis & Associates, we pride ourselves on excellent customer service and working with our clients to advise them on the best possible solution to their individual Medicare needs.

We understand changes to Medicare can be puzzling and we're here to help clear up the confusion and aid you in fitting the pieces of your Medicare plan together in the program that benefits YOU best.

So, give our Licensed and Trained Medicare agent a call today at: 337-439-7730

Until next time take care and remember ... we are here to serve you.

Tommy Curtis and Staff
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Disclaimers:

• Medicare has neither endorsed nor reviewed this information.
• Not connected or affiliated with any United States Government or State agency

​Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc.
​{A Life and Health Agency}

It’s “Life Insurance Awareness Month” and we’ve shared several articles with you over the years to encourage you to consider how important insuring your love (life) is. We’ve talked about juvenile life insurance, explored frequently asked questions and explained the differences in whole and universal life. There is no shortage of information on our blog and website to educate you on the importance of life insurance. So, instead of boring you with statistics and other useless data, I have a question for you….

How much IS your life worth?