Insurance Blog

Artificial Reefs off the Coast of Naples Florida!


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We have our very own reefs off the coast of Naples Florida that has attracted vibrant coral fish species to our waters.


Made with recycled concrete materials, now 37 new artificial reefs have been built from over 18,000 tons of concrete.


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Fish species that have been spotted soon after the creation of these reefs are mangrove snapper, tomtates, lane snapper, goliath grouper, amberjack, round scad, threadfin herring, sheepshead, and pinfish.


Check this article out for more information and an artificial reef locator map:



Being a Mom and Following Your Dreams


LightWorkers How to Balance Being a Mom and Following Your Dreams.

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Just because we're moms doesn't mean we have to relinquish our dreams. Here're a few things I've learned along the way as I've achieved my goals and raised a family.


We’ve heard it so many times before. After my kids are in school or After my kids move out of the home, I will…

  …go back to school

  …start my own business

  …write that novel

Yet just because we’re moms doesn’t mean we have to give up our dreams. How do I know? I’m a mom of ten kids, and I’ve written dozens of books. From the moment I first started writing, I had kids at home.

I’ve learned a few things about balancing both work and children, and making my dreams possible:

1. Choose your priorities well.

Parenting is all-consuming. We can spend every moment caring for our children and there would be plenty to fill our time. In order to follow your dreams, it’s important to choose your priorities well. Ask, “What is most important?” Then once you choose your priorities, be diligent on cutting out what didn’t make the list.

Caring for our children’s needs and spending quality time with them should always be at the top of our priorities, but there are so many other things that can be cut. You don’t have to sign your child up for every after-school activity or enrichment program, no matter how cool they sound or how much you believe it will benefit your child’s future. Let your children pick one favorite activity and stick with that. Let the rest go. A wise parent is actually one who teaches their kids to focus most on the priorities in their lives, too.

2. Make good use of the fringe hours.

Remember the work needed to follow your dreams doesn’t have to happen 9-5. Maybe you’re a work-outside-the-home mom who is trying to put food on the table. Maybe you’re a work-at-home-mom who finds the hours caring for kids filled to the brim. In both cases, think outside the box.

My best writing happens between 4-6 a.m. Other moms carve out time after their kids go to bed. Some work during nap time or pre-school hours.

If you spend 30-60 minutes a day on planning your dreams—and taking small steps to execute them—the effort will add up! As the months pass, you’ll find yourself stepping toward your dreams in a steady motion. And as you build momentum, it’ll be easier to be motivated to get real work done in these fringe hours.

3. Cut time wasters.

Scrolling Facebook and Instagram, or binging Netflix, takes time away from following your dreams. Also, daily chores consume hours. There are two alternatives, 1) lower your standards a smidgen, or 2) better organize your days.

Remember those daydreams you had as a child? They were there for a reason. They were planted in your heart for a purpose.

Your laundry doesn’t have to be finished and folded every day, and you don’t need to put a healthy, organic meal on the table every night. (Your family will survive, I promise.) Also, doing large chores like shopping once a week, instead of running by the store daily, saves a lot of time. Organize the thirty minutes you save here, or the hour you save there, into time doing something to pursue your dreams.

4. Realize you don't have to do it all now.


Following your dreams doesn’t have to be all or nothing. Instead, it can be “this” now and “that” later. Maybe you can’t open a boutique, but perhaps you can start an Etsy store. Maybe you don’t have to launch that epic historical novel, but you can start a blog or podcast. Small goals accomplished are a great foundation to build on in the future.

5. Give yourself permission.

Pursing your dreams is worth your time and effort. Don’t feel guilty! Remember those daydreams you had as a child? They were there for a reason. They were planted in your heart for a purpose. They’re important not only for you, but for your world and for your kids.

When kids see their mom following her dreams they will grow up and do the same. Do you want your kids to use their gifts and talents and step out to do great things? Good! Then be a living model, a visual example. Making the effort to see your dreams come to life will show your children how to do the same.


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When the kids are out of the house and retirement is either on the horizon or has arrived, many people think about downsizing. Whether or not that’s true for you, it’s important to recognize that when you retire your accumulated wealth is probably at its peak. Retirement these days can last decades, and age brings on many potential threats to your financial health. There are several steps you can take to ensure your money lasts as long as you do.


The demise of traditional pension plans means many retirees face the possibility of outliving their savings. Social Security is a safety net for most people, but it was never meant to be a full retirement plan. To make sure your money—and your lifestyle—will last as long as you do, consider purchasing a lifetime annuity. Think of an annuity as a do-it-yourself pension plan. You provide a lump sum of money to an insurance company and in return you get a guaranteed stream of regular payments for the rest of your life (or for some specified period).

Broadly speaking, annuities come in two varieties: variable and fixed. Variable annuities include an investment component. If those investments do well, your payments will grow over time and your nest egg will be sheltered from inflation. Fees for variable annuities can be high, but they can be the right choice during periods when low interest rates make fixed annuities unattractive.

A fixed annuity is simpler. Your lump-sum savings are translated into a stream of payments that does not change. The size of your payment is based on your age, prevailing interest rates, and, to a certain degree, your gender (women live longer so their payouts are smaller).

There is an annuity calculator at that will give you an idea of what kind of payout your can expect. Some companies will allow you to customize an annuity agreement in certain ways at the time of purchase, such as by adding a cost-of-living rider or arranging for payments to continue until both you and your spouse die. Ideally, you should commit only a portion of your retirement savings to an annuity and keep the rest in other types of investments, such as stocks and bonds that can grow over time and protect you from inflation. Having an annuity can give you the freedom to be a little bit more aggressive in your investment accounts, knowing you have a steady source of income to fall back on. If you decide later you want to increase your guaranteed payments, you can take an additional portion of your savings and put it into another annuity. Keep in mind that annuities are not for everyone, and it is always wisest to sit down with your financial advisor who can guide you through the process and help you choose what’s best for your risk tolerance and retirement timeline.

More info on: Annuities

Life Insurance

It may seem counterintuitive that empty nesters or retirees need life insurance, but some still have dependents, such as disabled adult children. Many also still have financial obligations, such as the mortgage on a home or second home, that could become a burden if a spouse died or becomes disabled. More importantly, if you died today, your spouse could outlive you by decades. Would they have to make drastic lifestyle changes to make ends meet? Your death could reduce the Social Security benefits they’d been counting on. It could also bring unplanned medical and funeral expenses.

Life insurance coverage can preserve the retirement plan you worked so hard to put in place and ensure your estate will be passed on, intact, to your survivors. A policy’s death benefit can help foot the estate tax bill from Uncle Sam and provide a legacy for your children and grandchildren, even if you use up most of your assets during your lifetime. For all these reasons, if you’ve been thinking about dropping your life insurance coverage, you may want to reconsider.

What if you’re retired or nearing retirement and you don’t have life insurance? You may think that you’ll no longer qualify due to your age or health conditions you may have. That’s not necessarily the case. Final expense insurance is a form of life insurance that requires little or no underwriting, which means almost anyone can qualify. Policies are available in face amounts typically ranging from several thousand dollars up to a maximum of $50,000 or $75,000—much less than a standard life insurance policy. That’s because these policies are only intended to cover final expenses and not longer-range expenses like ongoing living costs or college and retirement funding.

Final expense insurance typically comes in two varieties. Immediate full benefit policies, which pay the full face value upon your death, are generally available to people with no serious health concerns. Graded benefit policies provide limited benefits during the first few years and are available to people with serious health concerns. These policies can provide the peace of mind of knowing that your survivors won’t struggle to pay for your funeral or be saddled with outstanding medical bills and other debts. To find out more about life insurance and if you need coverage, use our Interactive Planner.

Long-Term Care Insurance

Long-term care insurance usually takes effect when you cannot perform at least two activities of daily living such as bathing, eating or dressing. The cost of this insurance rises as you grow older, but if you don’t have it and can afford it, you should consider it. The cost of home health care aide, an assisted living facility or a nursing home can quickly deplete your life’s savings. Medicaid, a government program, only kicks in once your assets are significantly depleted, and you may not get exactly the care you’re hoping for. To find out more about long-term care insurance and if you need coverage, use our Interactive Planner.

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