My Coverages

Continuing to simplify my life by combining all my blogs into one....here's another post from my old insurance blog :)!




My husband and my boys' role model.



Early on, one of my bosses told me to put my own house in order as far as family protection. He asked, "How can you really sell something you don't own and believe in yourself?" The day I wrote the check to pay for my first month's premium made me choke up a bit. Not because of the premium or it was money I really would never see the benefit of....but because I knew if I left the office that night and didn't make it home, Gunner and Gauge (my four and two year old boys) and my husband Jesse, would financially be okay. It made me realize what legacy I would leave for my family.

My boys could continue sleeping in the comfort of their own beds, they would have enough to at least pay off the mortgage, take care of my funeral expenses....well let me just stop there.  Why don't I just share with you the family protection I have and the reasoning behind it.

First let me say, each family has a different need, a different budget and a different scenario. So my protection plan may not fit your family's needs, but if you're a bit like me, I still like to know people's reasoning so I can better formulate my own.

Tonight, I'll start with my husband Jesse's coverage. He has a $500,000 10 year term policy. He uses tobacco, so his premium is a bit higher than mine. His premium is $79.17/month.

So why did we go with this policy?

He's young with two little boys and a super fun wife (I added that in there, but he would hopefully agree :)!). If he didn't come home tonight and Farm Bureau delivered me a check for $500,000 - we decided I would pay his funeral expenses $12,000 for a decent funeral, pay off the mortgage $132,000, pay off my car loan $15,000, pay off my college debt $20,000, set some aside for the boys' college educations $40,000 and that would leave me with about $280,000 to cover his contributing income for four and a half years.

Term is great because it provides maximum coverage at a fraction of the cost of whole life. Now term is like renting. We only have this policy for ten years. Once the ten years finish, he has no more coverage. It also does not generate cash. So we have small premiums, receive maximum coverage and walk away with nothing after the term.

The catch is within those ten years, we'll slowly convert portions of the policy into whole life insurance. Whole life is with you until you're 100 and generates cash you can use while you're alive - say for retirement. Next year, we could convert $50,000 into whole life and continue to have $450,000 in term. The plan would be by the time the ten years are done we converted a good portion, if not all into whole life.

Basically, Jesse and I made the choice to have a lot of coverage while our children are young in order for him to feel that his family would be taken care of, would have time to grieve and would be able to continue living the life he works so hard to provide for us. Why? Because he loves us.

Has this scenario put your brain into over drive? Curious to learn more - I would LOVE to sit down and discuss the perfect plan for your family. Tomorrow and Wednesday we'll cover my coverages and Thursday we'll discuss Gunner and Gauge's life insurance policies.

Thanks for reading! And make sure you're not just insured, you're covered!

kte

Simplify

I have a sign above a door in my home that says Live Simple....one would think if I focused on the saying a little more I would have found time to post at least once on here since LAST August - but none the less I'm going to try hard and simply focus on making sure something gets up on this blog at least a couple times a week - from insurance to sharing insight into my family to posting a couple recent photo shoots - you're going to see a little of everything. For the next couple days I'll be reposting from the insurance blog so I can merge it onto this main blog and then see what happens from there - I hope you follow me and share your comments and questions.I hope you enjoy and find a way today to do one thing a little more simple.

A Blog on Insurance?

Yeah..... I know it's probably not the first words you type when looking for an inspirational blog to follow.....but stick with me here...

If you know me, you know I love social media....and this blog has been in the back of my mind since August 1, 2011 - the day I started my new career as an insurance agent with Farm Bureau Insurance. I have been trying to figure out how I could connect a blog with what I do (aka put my journalism degree from MSU to good use!)  So why not kick off the new year with another way to connect with people.

You don't have to be my client, you don't even have to ask for an insurance review (though I'm always willing to give free reviews!!). My intent is really to just share what I do - since insurance can be "scary, intimidating, the elephant in the room, ignored, worthless, confusing, piling up on my counter or just thrown in a folder in hopes I never have to see it again" - all descriptions I've personally heard.

For most people, insurance is something you don't want to deal with nor see the value in it until you need it. Others can't seem to get enough protection based on a life experience. Everyone sees insurance differently. This blog will show you how I see it, as I sit next to people like you trying to sort through it all.

I hope you follow me, if nothing else to feel like you're not alone when you don't understand something. I hope you ask questions and add experiences. I hope you feel different about insurance every time you read it. I hope you just read it. :)

Happy New Year!

kte



I promise I'll have way more fun looking photos too :)!
Katie Eisenberger, Multi-Lines Agent. Office: (989) 681-6000 Cell: (989) 400-2434 Email: keisenberger@fbinsmi.com

To My 4-H Family and Supporters

I'm the one in the long sleeve denim, jeans tucked into her boots
with an extremely flustered face - I took feeder calves the next year.

When I was nine my sheep got loose five times in the judging ring. FIVE TIMES in just 15 minutes. Not my most shining moment.....but I never guessed that 4-H would provide much more than a livestock check and memories of me chasing that dang sheep around the ring in front of a packed audience. 


A large part of my foundation began sitting around the Jasper Township Hall making crafts, going to other families home's to learn about livestock, spending time with friends at camps, working on our club's talent show plays and ultimately building life skills and developing relationships that I still hold very close today. 

Our club performed the Big Bad Wolf for the
county 4-H talent show. I'm in the black and pink dress and
super cute permed hair :)

Seven years ago, when the job opened up for my home county's 4-H agent position, I knew it was the exact job for me. I have had the honor of working with some amazing young men and women of Gratiot County. Amazing doesn't do justice to what these youth can do - they have inspired me, made me laugh, challenged me to take programs to the next level, taught me how to just sit back, relax and enjoy life - yeah they're that cool and I care so much about them.....


And my leaders, who have been through seven years of my wild, crazy ideas - thank you. Thank you for believing in them, not looking at me crazy when I shared them (at least not in front of me :)!),  helping me work through them and among it all....becoming some of my closest friends. 

Our family at Gauger's first Gratiot County Fair for Youth -
he's the one passed out in my carrier :)

Together we have built a strong foundation for our youth and I know you will all continue developing the incredible young men and women we have in Gratiot County. On a personal note, you've been with me through some major life changing events including my wedding and the births of my two boys. My son Gunner will probably always walk around the fairgrounds like he owns it and both have enjoyed spending time playing with and learning from their 4-H family. Thank you for having such a positive impacted on my family and I. We will always be grateful.


So saying all this....many have heard, but I wanted to make the announcement....


Recently, I accepted a position with Farm Bureau Insurance of Michigan as a multi-lines insurance agent. My last day as the GC 4-H Educator is Sunday, July 31 and I will begin my new position on Monday, August 1 in St. Louis at the Reichard Insurance Agency. To clarify, Monte Reichard didn't hire me, he's serving as my mentor. We are both employees of Farm Bureau Insurance of Michigan. He was gracious enough to open up office space and offer his resources and experience to help me get started. 

MSU Extension is currently working on what our county's transition, so I do not have a timeline of what it will look like. For now, many of the pieces will be picked up by the local office - whom which, our program would never have been as successful as it has become and I will always owe them for the many times they've stepped up to the plate to help with whatever was going on in 4-H land. I'm confident you will continue to receive the quality response and resources you need as MSUE moves forward in hiring someone.

And though I'm extremely excited about taking this new career path, Gratiot County 4-H is my home and I will continue to be a resource, volunteer and supporter. Thank you for allowing me to consider you all family. I have  grown and been motivated by each of you. And so much more importantly, together we've built one AWESOME youth program for this county.

Sweet Summer Time

Daddy got the jeep running - Who looks the happiest!? :)

This weekend I did something I haven't in a long time. I put my phone away, closed my computer lid and literally laid by the pool and lake all day for three days.

Baby Emma enjoying the pool in style.

I don't remember the last time I've went more than an hour not checking my email, responding to a FB message or seeing what's happening on Twitter. I felt like my in-home tether was lifted and I simply enjoyed face to face conversations without sharing my thoughts or feelings through acronyms and emoticons. 


Did I miss an opportunity to catch up on photo editing? Yes. Could I have become more comfortable using Twitter. Sure. I probably should have even answered emails in a much more timely fashion. 

Fishing with Uncle Teddy and Mason.

But I would have missed splashing around in the pool with my boys, niece and nephew. My eyes wouldn't have seen a beautiful fireworks show on Lake Isabella. Squishing my toes in the sand wouldn't have been as childlike if I was connected to my Blackberry rather than my four year's hand. And finding Gauger dirty

 from head to toe with sand in every crevice wouldn't have been so funny if I had spent my morning 

reading blogs instead of getting dirty right next to him.

Jesse and Gauge with our nephew Mason
and his Uncle Eric.

I needed a couple days to shut down the technology to remind myself that social media can only bring you so far. It will never make the level of impact riding with the jeep top off, tasting a juicy brat with all the fixings, laughing hard with friends and family or hear the loud boom of an actual fireworks show. 

Here's to many more weekends of cutting the cords and enjoying people, places and objects the way they should be - in person!

Mushrooming 2011

Heading up th hill with daddy. 

Did you know that mushrooms grow by Ash trees? I did not until today. I did, however, know that an HHR should not be used as an off road vehicle to find said mushrooms.... unfortunately, my husband didn't know this tidbit of information and only five minutes into our hike on a two track in Roscommon County, we bottomed out on some deep sand.  Now for some reason, it was the vehicle's fault....not my husband's.

Yet, despite our the HHR's mishap, Jesse, the boys and I enjoyed an afternoon of mushrooming. We didn't find many, eight total - but with two little boys we found a whole lot of porcupine poop, tons of bugs, three toads, a slug, a couple great walking sticks and lots of other kinds of mushrooms...all in all it was quite a successful day with two little boys zonked in the backseat most of the way home.

I did feel a bit guilty picking the mushrooms. They seem to have this mystical quality about them, as if magic trolls set up home within the mushroom village....but then I rationalize my "giant" like ways and think if the trolls are so magical they'd figure something out....they probably would try some of the magic words my husband used on the SECOND time he the HHR bottomed out....

Can you see the toad?? - From a four year old perspective it's pretty up close and personal :)

One Foot in Front of the Other

Today I started training for my first marathon....before you go... seriously Katie... one more thing, when are you going to fit this in...you can stop yourself - my husband has already rolled his eyes at me once, if not several times....but it's a priority to me....actually it's my privilege.

Now I'm not the coolest, hippest looking runner with new flashy clothes, shoes or gps training devices. I have decent running shoes, I listen to Pandora on my phone while the stopwatch application keeps my time and my clothes are just anything that doesn't restrict my running. Nothing extraordinary.

I did start running my fair share of 5K's in college, took some major time off during my wedding and two pregnancies, then got back on "track" to complete my first half-marathon in under two hours last fall.......which was the coolest runner's high I've ever had.....

Runner's high - it's the adrenaline rush after you've accomplished a half mile run or 13.1 miles....a feeling of accomplishment, pushing through the cramps and mental weakness, getting over to the other side where you walk around afterwards like... yeah I'm amazing...You can only experience it.

It's also healthy to get out and do at least.... at LEAST...30 minutes of fairly intense exercise DAILY. This isn't your stroll around the block looking at the neighbor's lovely spring flowers. This is a pumping your arms, increasing your heart rate, leave those flowers in the dust kind of movement.

Also, setting a goal, working through obstacles and celebrating successes as well as achieving the goal are all huge life lessons I hope to teach my boys. Maybe someday they'll make the connection as they lace up their running shoes.

You can also eat more after you run than before....another reason I eat ice cream every night after a run - yes, I realize this might be counterproductive....but I also have a fairly tight relationship with Ben & Jerry, the Blue Bunny and Country Fresh and I'd rather just give in then fight temptation :).

The two I think about every time I lace up my shoes...
Aunt Casee & Grandpa Bum - beating the odds daily.

Seriously though, there are so many amazing reasons to encourage anyone to run....but my reason is so much more. I have family that will never run again. Cancer has taken away their lung capacity to breath deep. Cancer has taken away the movement in their legs. Cancer is a bitch. It's an awful way to say it, and I'm usually pretty smooth with word choice, but I have no desire to give cancer the time and energy to come up with a considerate, romantic way to capture its raw approach to essentially turning lives upside out and inside down. It's awful. It's unfair. It's nondiscriminatory. It shows no empathy or sympathy. It's a bitch.

So God has given me lungs to breath deep. To handle the cold winter runs and the hot humid ones as well. He also blessed me with two legs that move, maybe not as fast as the competitive side of me would like, but when my mind tells my feet to put one foot in front of the other, they follow directions.

So I  have no excuse to not lace up my shoes everyday to train for this marathon....because someday - looking at my family's health history - I may not have this privilege. And to waste what I have at this moment in my life would be so irresponsible...because so many would and have died trying to get just one more chance to put one foot in front of the other...

Happy Mother's Day!

I don't buy cards. They're a waste of time. People read them for a moment and then throw them away - well most people. My mom still has Christmas cards from the 70's. Not sure if she thinks someone will one day wish they would have kept one of the cards they sent to family and friends in 1983 - but if you do, and you sent my mom a card, I bet she'll have it :)

All joking aside, I didn't buy my mom a card this year. I guess I'd rather use technology to share my thoughts since she now is finally on Facebook and understands the meaning of the words "liking", "messaging" and "posting". So I've come up with the top three things I appreciate about my mom.

1. She can justify anything... I think sometimes she calls me just so she can talk with someone to justify what she's doing....like simply telling someone else why she's doing what she's doing makes it okay.

My mom and her three grandkids -
Gunner, Gauge & Baby Emma

2. I believe she invented the pros and cons list. It doesn't matter what decision I've had to make - from choosing between dance class and basketball in the 8th grade to how I should prioritize my life as a mom - her response is always "Well have you made a pros and cons list?"

3. Her level of optimism can't be measured - it's off the charts people. She ALLLWWAAAYYS has something nice to say about something - even in the worse possible situations.

If you know my mom, you're shaking your head, smiling and laughing because you know this is her.....and I'm sure even my mom is shaking her head too....but she should know as my life continues to fill up with new adventures I find myself calling her and share why I'm giving up one event to go to another.

And if she didn't asked me for a pros and cons list, I'd be extremely disappointed, because almost thirty years of training has taught me to come prepared and ready to list each item, sharing the weight it has on the list.

No matter what decision I go with, I know she'll be sitting next to me with the oddest looking rose colored glasses  ....and I can't imagine my life any other way. Love you Mom today and every day of the year.