Fuller Insurance Blog

Paul Renfroe: Life Insurance and Annuity Expert at Fuller Insurance

Fuller Insurance welcomes Paul Renfroe as our in-house expert for Life, Health, Disability and Long Term Care insurance, and Annuities. We had to compete with the best agencies around in order to bring him on board with us, so we are glad he chose Fuller Insurance!

Everyone wants the most retirement income possible without running out -- and that's what Fuller Insurance can now deliver for you with Paul in our office. Paul's favorite word is "GUARANTEES" and he often quotes Vince Lombardi's 1st rule for winning: DON'T LOSE. 

During his 17-years in the insurance industry, Paul has created many highly successful Asset Protection and Asset Spend-down plans for those with retirement concerns. Most importantly, he genuinely cares for you, the client, and is always working to help you get the best deal possible for your hard-earned money. This priority on your value over our profit stands in stark contrast with the many insurance advisors who promote based on what they are paid.

Paul explains it this way: "I have found that if I put the client's interest before mine, like the Bible says to do, then it enables clients to trust me with multiple financial concerns. Plus, clients feel confident to refer their friends to a real servant in the financial field like me. And I sleep with a clear conscience each and every night."

Paul is a Certified Senior Advisor (CSA). When added to his years of service to individuals and business owners, this breadth of experience uniquely qualifies Paul to understand our clients' concerns.

Paul Renfroe and Fuller Insurance look forward to helping you with these important new services.  Schedule your no-cost insurance and asset review by calling Fuller Insurance at 622-5283.

Declare Your Independence

Do you feel like your current insurance company has you cornered? Declare Your Independence this year and choose an independent Trusted Choice Agent.

As an independent Trusted Choice agent, we don't back you into a corner. We have the ability to work with many different insurance companies to find the coverage you need at an affordable price.

To find out how important independece is in protecting your home, auto, business, and family, view this video.

Don't Surrender Choice

Do you think all insurance companies give you a choice? They don't. Companies like Geico, Esurance, and State Farm offer you one choice - them.

As an independent agent, we offer you a choice of insurance companies to meet your needs. When one insurance company cannot provide the right coverage or a competitive price, we choose another for you.

To find out how important choice is in protecting your home, auto, business, and family, view this video.

Fuller Insurance Closed May 30 In Observance of Memorial Day

Our office will be closed on May 30 in observance of Memorial Day. We will resume normal business hours on Tuesday, May 31. Have a safe holiday!

Hybrid Car Owners: Get An Extra 10% Discount From Travelers Auto Insurance

If you own a hybrid car, like a Toyota Prius or Honda Civic Hybrid, then you can now receive an extra 10% discount on your car insurance from Travelers Auto Insurance. This extra 10% hybrid car discount is in addition to any other discount you qualify for, like a homeowners discount or safe driver discount. For more information, check out the Hybrid Travelers website - a special website dedicated to hybrid car owners.

Since I am writing about auto insurance discounts, I came across another good article about how to cut your auto insurance costs from Daily Finance. This article does a good job of covering all the possible ways you can save money on car insurance. One thing I would add would be: Don't let your auto insurance lapse! Whenever you let your auto insurance lapse you will generally have to pay a higher rate to reinstate it.

For more great ways to save on car insurance, call Shelley Carmichael at Fuller Insurance.

 

Fuller Insurance Closed April 22 In Observance of Good Friday

Our office will be closed on April 22 in observance of Good Friday. We will resume normal business hours on Monday, April 25. Have a Safe Easter!

Royal Orchid Thai Restaurant Serves Happiness in Miramar Beach, Florida

Prepare to be happy when you enter Royal Orchid Thai Restaurant in Miramar Beach, Florida. Royal Orchid Thai Restaurant is a Fuller restaurant insurance client. Terisa and I stopped by for lunch today, so I thought I would give you a tour.

   

The lunch specials at Royal Orchid Thai Restaurant are terrific. I selected the "sauteed fresh vegetables with chicken in Thai herbs sauce", while Terisa chose the "sauteed fresh chicken in homemade garlic sauce".

To start your lunch Royal Orchid serves you a small cabbage and carrot salad with peanut dressing. Terisa and I dove right into the salad and forgot to take a picture, but it was great.

For an appetizer, we ordered fried won-tons. The fried won-tons came out hot and crispy. If you ask, Royal Orchid will serve you two sauces for dipping, one spicy and one mild.

 

Next came our entrees. Just look how much wonderful food you get for $8.99! The sauteed chicken and vegetables are served over a bed of crispy noodles with Jasmine rice on the side. Plus you get a crispy, tightly wrapped egg roll (I love these egg rolls).

 

 

 

Royal Orchid Thai Restaurant serves many other dishes too, like salads, seafood, soups, noodles, vegetarian, and curry dishes. You will definitely find a dish to your liking. Plus all meals are prepared fresh to order using authentic thai herbs and NO MSG.

So, the next time your are having lunch or dinner in Destin, Miramar Beach, or Santa Rosa Beach, Florida, remember to stop by Royal Orchid Thai Restaurant - you will experience a great Thai meal.

 

 
 

Bankers Insurance (First Community) Seeks 23% Florida Homeowners Rate Increase

I found out today that Bankers Insurance (First Community) is requesting a statewide average 23% rate increase on homeowners insurance from the Florida Office of Insurance Regulation.

The amount of the increase will vary from county to county. As soon as we receive additional information from Bankers, I will post it to our blog.

The good news is you are insured with a Trusted Choice insurance agent - we represent multiple homeowners insurance companies and follow the Trusted Choice Pledge of Performance. 

 

 

 

Individual Health Insurance Plans: 5 Questions To Ask

Shopping for and purchasing an individual health insurance plan can be a tedious experience. There are many different insurance companies, plans, doctor networks, plan options ... and then there is the cost of the health plan.

When you start to apply for an individual health plan you have to disclose your entire medical history, provide details on your doctors, and maybe even provide medical records. Whew! No wonder so many people put off getting an individual health insurance plan - it can be a huge project.

To help you with the shopping process, here are 5 questions to ask when you're shopping for an individual health plan:

1. Do I want short-term or long-term coverage?
2. How much am I prepared to pay out of my own pocket?
3. Are my doctors in the network?
4. How do I want to pay for doctor's office visits?
5. What optional coverage do I need?


If you would like more help shopping for an individual health insurance plan, call Shelley Carmichael at Fuller Insurance. Our phone number is 850-622-5283.

 

 

Happy Anniversary To Us!

Happy Anniversary To Us at Fuller Insurance. We opened for business on February 26, 2007. It has been a wild ride these last four years!

Little did I know that the year after we opened the "Great Recession" would hit and the real estate market would fall to pieces. If giant companies like Lehman Brothers and Bear Stearns were going out of business, what would the future hold for our business? But we kept working hard.

Then in 2010 the BP Oil Spill hit and tourism took a nose dive. Restaurants and businesses closed and people started moving away from the area. Oil stained the beaches and our economy. But we kept working hard.

Now it's 2011. I pray everyday that God blesses our business and our region this year. On this beautiful early spring day in February, I would like to thank our customers for their business and our business partners for their support. We at Fuller Insurance will keep working hard this year to provide you the best customer service and insurance products.