Life Insurance for the Adrenaline Junkies

Rock climbing, white water rafting, sky-diving, bungee-jumping… these are the activities that most adrenaline junkies enjoy! If this is the case for you, you must realize that your life insurance policy will most likely be affected.

Life insurance premiums are determined by the number of risks and factors in an individual’s life. If you are adventurous and constantly putting yourself at risk, you may be one of those who pays a little more each month to stay covered. Here are a few other factors that may increase your premium:

  • Driving record
  • Smoking
  • Occupation
  • Age
  • Weight
  • Height
  • Medical history
  • Family medical history
  • Hobbies and interests
  • Marital status
  • Gender
  • And more…

If you have questions about your life insurance premium, do not hesitate to speak with our Missouri insurance agency. We would be more than happy to analyze your lifestyle and figure out how your premium will be affected.


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This Year, Appreciate the Little Things in Life!

Every year, millions of Americans make the resolution to appreciate life more. However, many times this resolution is often forgotten about after only a month or so. This should not be the case! This resolution is beautiful and will bring much joy to a person if they can stick with it.

Allow us to give you a few ideas to start appreciating life more, right now!

  • No matter how horrible a day you may be having, make it a point to smile.
  • Learn to love yourself and avoid negative comments and thoughts.
  • Take the time to laugh during the day. Whether you watch a funny Youtube video on your lunch break or joke around with friends.
  • Take advantage of a beautiful day by going out. It’s time to stop tweeting about the beautiful weather and actually enjoy it!
  • Smile at a complete stranger.
  • The next time you start complaining about how cold your home is, think about those who may not have a home to return to at the end of the day.
  • At the end of the day, watch the sun set, or look up at the stars.

Learning to appreciate life takes time. Many times, we start to complain and quickly forget how lucky we are! This year, make your resolution count. Your life is too precious to take for granted!

While reflecting on your life and your fortunes, it may be time to protect it. With Missouri life insurance, residents will not have to worry about the unexpected and leaving behind loved ones. Be sure to speak with us about a policy!

Until then, enjoy the day!


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Keep Stress to a Minimum in 2012 with Missouri Life Insurance

Let’s face it: there is no way to get around stress. No matter who you are, there will always be something stressful going on in your life whether work dilemmas, relationship issues or something else. While you cannot avoid stress, what you CAN do is learn how to deal with it and make situations seem less stressful. How? We have a few tips…from de-cluttering your desk to looking into a protective Missouri life insurance policy.

  • De-clutter. De-clutter your living space, your mind, your head, your closets, your drawers…and anything else possible! Having a clear space is sure to alleviate stress.
  • Schedule. Use an agenda, post-its or any other items to help organize, prioritize and schedule important appointments or errands.
  • Exercise. Breaking a sweat is not only the remedy for killer legs. Feel-good endorphins will be released, helping you de-stress.
  • Protect. If you do not have the proper protection and coverage in place, you are sure to stress about unexpected accidents! Whether you look into Missouri life insurance, health insurance, home or more, you are sure to feel better knowing that you have a financial safety net.
  • Forgive. Holding a grudge will actually stress you out more than actually forgiving someone. Learn to let go of anger and just move on.
  • Accept. If something is out of your control, accept it. Many times, Americans will worry about an issue that is completely out of their hands. Not worth it!

It may seem hard to manage stress at times, but with a few lifestyle changes, you will feel the stress melting off in the year 2012.

Interested in finding the perfect coverage for the New Year? Do not hesitate to ask about our Missouri life insurance, home, auto, health and much more. What better than to start the New Year off than with reliable protection?

No stress here!


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Start 2012 Off Right With New Eating Habits & Missouri Life Insurance!

We all know that it’s important to take on healthy habits, but how important? Well…put it this way: it could help save your life! If you are not eating healthy or being mindful of your body, you put your life at risk, from obesity to heart disease to even cancer. If you are not careful, something will get you- just another reason why it is important to look into Missouri life insurance.

With the New Year coming, we thought we would put together a list of a few healthy resolutions you should consider:

#1: Eat from the ground. You should plan on going vegetable and fruit-crazy once the New Year arrives. It is important to get the recommended serving of each, and make sure you embrace antioxidants.

#2: Limit the two S’s. Salt and sugar…sounds like a good combination, but it really is not! Too much sugar and sodium in your diet can affect your weight and your overall health.

#3: Nix the nicotine.  Okay, it is 2012…it is time to quit once and for all! There are always tactics that will help you along with the process, too; from nicotine gum to the patch.

#4: Skip the tanning bed. Again, it is 2012. Nothing good ever comes from tanning, you just look orange and unhealthy. If you are looking for a glow, turn to self-tanning creams.

#5: Head straight for the stairs. Many Americans are not as active as they should be, and elevators and escalators help with this issue. Next time you have to go up a floor, take advantage of those stairs!

So what will you do to improve your health and life come the New Year? We want to hear!


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Put Your Cigarette out to Lower Missouri Life Insurance Premiums

Are you aware that your lifestyle has an effect on your Missouri life insurance premiums? This comes as a surprise to many people- but it makes sense! If you are engaging in an activity that lowers your life expectancy, of course you will be paying more for coverage. Quitting will not only help you save on insurance costs, but finances in general! Kicking this expensive habit will save you a lot more than just money in the long run.

Here are a few tips to help you put the cigarette out:

#1: Replace the craving. Look into nicotine gum, lozenges or even the patch. This will keep you from having withdrawals and slowly pull you away from your addiction.

#2: Speak with your doctor. Not only will they scare you with disease facts and health issues, but they could give you a prescription to help curb your cravings.

#3: Rid of reminders. It’s time to trash the ash tray and wash your clothes, walls and even furniture. Anything that will remind you of your bad habit needs to be eliminated from your life!

#4: Refresh yourself. Since you are looking at a “new you” it’s time to start fresh- start exercising and eating healthier foods. The feel-good endorphins will keep you going!

#5: Treat yourself. If you are feeling extra stressed, just treat yourself! Go for a massage or go clothes shopping. These activities are a lot healthier and it will get your mind off of your cigarettes.

#6: Talk with friends. Do you have another friend who smokes? Discuss your concerns with them and see if they are up to the challenge. Going through a hard time together will help you both.

#7: Don’t give up. Giving in is most likely going to happen at some point, but don’t give up! The more you try, the closer you will be to succeeding.

Give these tips a shot- we know you can do it! Not only will you feel better about yourself, but you will be boosting your health and reducing your Missouri life insurance costs. Don’t let such a bad habit take a toll on your wallet. You deserve a better splurge than a pack of cigarettes!

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Edward Cullen May Not Need Life Insurance, but Bella Does!

All the Twilaholics in the world are patiently waiting for November 18th, 2011. Why? Bella Swan is going to finally be turned into a vampire! For those who are not familiar with the Twilight Saga: Bella is a human who falls in love with Edward Cullen, a vampire. Though Edward is immortal, that does not mean Bella is- yet. For those who have read the books, they know how clumsy and injury-prone Bella is, so of course she has Missouri life insurance (or maybe just Forks life insurance).

There are a few options to look into when it comes to life insurance policies:

In Bella’s case, term life insurance would be the way to go. In a few short months, she will be changed to an immortal and life insurance will not matter. But until then, it does! With term life insurance, you are able to cover a period of your life for a low premium rate. You could cover 5 years or 30 years- it’s entirely up to you. This is a great option for Bella, or in our world, for those who want to insure their children for a certain amount of time or even themselves.

Another option would be whole life insurance. This policy will cover your entire life, as long as you continue to pay the monthly premium. If you don’t want to be bothered with any changes in your policy, this is a good way to go. You will always know that you are completely covered!

If you are extremely undecided, you could combine both term and whole life insurance.

For all us mortals out there, Missouri life insurance is crucial. We can’t all be as lucky as Edward & Bella are!

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Live your Life in Love – It’s Healthy!

Is there anyone who doesn’t like the feeling of being in love? Studies have shown that being in love has not only affected the way we live, but our health too! An article from the website “Prevention” shows us the ways that love can boost our health and life. And we all want to live a long and happy life, right?

#1: Give big hugs. Oxytocin, a relaxing hormone, levels will spike after a hug. This reduces blood pressure! So go on- give someone you love a great big hug and improve both of your Oxytocin levels.

#2: Be supportive. The bond you have with your loved one has been linked to lowering systolic blood pressure. Even in the most stressful times, it helps to have someone by your side who you trust.

#3: Have a happy marriage. Studies show that those in a happy marriage have less of a risk of heart attacks, cardiovascular disease and even lower cancer rates. Makes sense…unhappy marriages usually mean high stress levels- not good!

#4: Kiss and make-up. Fighting often is clearly not healthy, but all the yelling and screaming will raise your blood pressure. Staying calm will keep your heart healthy.

Now if these are not good reasons to be in love, then what is? Our lives are precious, and sharing a life with someone is the best way to make it all worthwhile. It’s important to protect our lives so we don’t have to sweat the small stuff. With Missouri life insurance, you can live your life without the worry of the unexpected. So go out on those extreme dates and take risks.  The saying is true- nothing can overcome the power of love…not even our health issues!

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Stand Up to Living Longer!

This may sound alarming, but the rumors are true. Sitting down at work for 8-hours can kill you. Yes- it is shocking and scary! However, in recent studies, you up your chances of mortality at a younger age by 54% if you tend to sit for up to 6-8 hours. So what does this mean for us? Most jobs are, in fact, desk jobs which require us to be seated for this long. But we have a few ways you can fight back and stand up to living a long and healthy lifestyle…even if you work in an office!

#1:  Stand-up desks. Having a stand-up desk actually increases your productivity as well. Many offices have cubicles that can be transformed easily. Ask!

#2: Take a walk on your lunch. For that hour, don’t just sit some more and eat. Take the time to walk around the building or go to a park close by.

#3: Hold a meeting…by taking a walk. If you have to hold a meeting, forget the conference room. Take a walk outside.

#4: Be active on weekends. If you have to sit during the week, make it a point to be up and active during your weekend!

#5: Gym it up. Long day of sitting at work can actually be tiring. Trust us! Get your heartbeat up with a quick workout after work.

Your life is precious, and if spending the majority of your time sitting is going to hurt you, well it is time to take action! You must protect your body and life before the worse happens. It’s also a good idea to look into Missouri life insurance! Hearing these facts are alarming, which is why you must be prepared. You will feel much better knowing that your family is covered if something should ever happen to you. Now seriously, stand up to stay alive and well!

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7 Ways to Reduce Unnecessary Stress!

There is no doubt that the stresses of life can take its toll on a person. Everyone at some point or another has to deal with stress! Whether it is from work or even at home, feeling stressed out is inevitable. Yes, it is normal but too much of it can be dangerous to your health! If stress gets to the point where you cannot eat or sleep, you are in trouble. Here are a few ways to relieve the stresses of your life.

#1: Turn it up. The music, that is! Listening to just one upbeat song will instantly put you in a better mood. So plug in that iPod and sing along if you know the words!

#2: Find a new hobby. Sometimes life can get boring if we do not try new things. Feeling artsy? Try painting.

#3: Wake up early. Go to bed early and wake up a half hour before your usual time. Use the spare time to drink some tea or read the paper. It’s important to always make time for yourself instead of getting up just to go to work.

#4: Stay organized. Keep a planner to keep track of everything you need to do. Seeing your tasks on paper will help you prioritize and get things done without forgetting.

#5: Write it down. Sometimes you just need to vent. Grab a notebook and start writing. Just a few minutes of writing can relieve a lot of stress and tension built up.

#6: Insure your life. It must be pretty stressful having to worry that you and your family are not covered. If something should happen to you, you should be protected! Missouri life insurance will make sure your family is covered.

#7: Work it. Exercise, exercise, exercise. It is good for the mind, body and soul. Stressed out about the jerk at work? Run off your anger on a treadmill. You will feel much better, trust us.

Your life is important—so do not waste it away by stressing out about every little thing! You need to make time for yourself no matter how busy you may be. At ABS Agency, we believe that life is too short to worry. So allow us to take care of your life and family with our Missouri life insurance policy. Now go and live your life, stress-free!

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Local Missouri Graduation Reminds Residents About the Need for Life Insurance

According to St. Louis Today, tomorrow, the first class of Barat Academy in Dardenne Prairie will graduate.  In 2007, when the Catholic school was first established, although the institution had nothing tangible to put their name on, it had a vision.  Today, the accomplishment of this dream has created meaningful memories and provided academic rigor for the students.  This has produced a strong class of 68 graduating students.

Missorui Graduation

Image Courtesy of St. Louis Today

Proud families and friends are looking forward to attending the ceremony and many parents can speak to the progressive spirit of the school and see an internal sense of family, which gives them faith in Barat.  One of the parents, Nancy Curry, 50, became emotional when she spoke about Barat: “They celebrate each of our children for their own unique talents,” she said.

The importance of education is crucial in our community, and every family member and friend has the right to see their loved ones accomplish their goals.  With our comprehensive Missouri life insurance, we are committed to protecting the most valuable part of yourself, your life.  We know that trying to secure the right life insurance plan can be a hassle, but Missouri clients will benefit from a team that wants to help navigate this critical policy decision.  We ensure a custom and dependable life insurance plan that is tailored to any client’s personal needs.

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