Insurance Blog

After an Ohio college student was assaulted, she created an app to help people feel safer walking home alone.


Picture By: Homa Bash



Angela Rucci has cleverly developed an app that is likened to an invisible shield.  She calls it “Tego.” The name comes from the Harry Potter series in which “protego” is a charm used to cast an invisible shield around the wizards to keep them safe. Rucci wants to provide an additional way of safety, a way to walk your friends home. Angela is a senior computer science major at Ohio State where she was challenged to a 24-hour “hack-a-thon” where she came up with the idea.



From the article:

The concept of the Tego app is fairly simple: you type in where you’re going and who you want to notify — you can pick up to 10 family members or friends — and they will get a notification or a text that allows them to track your entire trip in real-time. There is also an option to send live video footage of your route or call the police if you feel unsafe.

“It’s just a virtual way to help walk your friends home,” said Mark Thorn, co-developer of the app. As for privacy concerns, Thorn said all of the data is encrypted and Tego only tracks users when it is told to track them.


This excellent article shares more information from the creator herself.





Guaranteed Income Stream for Life. Think Annuities



Are you thinking about retirement? Do you want to make sure you do not outlive your savings? This article by Marvin Feldman is packed with helpful information on how to protect your financial future.


| Marvin H. Feldman, CLU, ChFC, RFC, CEO emeritus of Life Happens |

Are you headed toward retirement or even in retirement and concerned about outliving your savings? Perhaps an income annuity will fit your needs. An annuity is a financial instrument that can offer a guaranteed lifetime income that you can’t outlive.

I’ve spent many years helping my clients with annuities as part of their broader financial plan. So here’s a very high-level understanding of some options.

Fixed income annuities are offered with a number of payment options, allowing you to structure payouts according to your financial goals and objectives. Consider these four income streams:

Joint life: This option provides income for two people, as long as either person is alive. When one person passes away, payments continue to the survivor.

Period certain only: This allows you to target how long you need an income stream. If you were to pass away before the end of the certain period, the remaining payments would continue to the person you designate as your beneficiary, meaning the person you want to receive the money.

Life with a period certain: In this scenario, the annuity pays out income for your lifetime. If you were to pass away prior to the end of the certain period elected, your beneficiary receives the remaining payments.

Life only: This is the least-commonly selected payout. When you die, payments cease—no matter what. This can be risky, but the upside is this option provides the highest payouts.

My mother-in-law, now deceased, used a joint life immediate annuity to generate a lifetime income, using the proceeds from the sale of her home. Now my wife, as her beneficiary, is receiving an income stream for the balance of her life from this same annuity policy.

A guaranteed lifetime income, one you cannot outlive, provides peace of mind. Should this be part of your financial plan? Ask your agent or advisor to see if it fits your needs.

article found here


Artificial Reefs off the Coast of Naples Florida!


Photo Credits from:

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.


Photo Credit:


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: