ISSUE THIRTY-NINE| AUGUST 2026

Back-to-School: Is Your Family Ready for the Unexpected?

The start of a new school year is filled with excitement ranging from new teachers, packed lunches, after-school activities, and busy family calendars. While parents are focused on checking off school supply lists and preparing their children for a successful year, it's also the perfect time to make sure your family's financial protection is just as prepared.

As children head back to classrooms, sports practices, and extracurricular activities, the likelihood of unexpected illnesses or injuries can increase. A playground accident, a broken bone during soccer practice, an unexpected trip to the emergency room, or even a hospital stay can create unplanned expenses that add stress to an already busy season.

That's where supplemental benefits can make a real difference. Benefits such as Accident Insurance, Critical Illness Insurance, Hospital Indemnity Insurance, and Life Insurance are designed to help provide financial support when the unexpected happens. These plans can help cover out-of-pocket costs like deductibles, copays, transportation, childcare expenses, or everyday household bills while you focus on what matters most: your family's recovery.

The beginning of the school year is an excellent reminder to review your current benefits and ask yourself:

Would my family be financially prepared for an unexpected accident or illness?
Do I have enough life insurance to protect those who depend on me?
Are there gaps in my coverage that could create financial hardship?

No one plans for life's surprises, but planning ahead can provide peace of mind when they occur. Just as you prepare your children with the tools they need to succeed in the classroom, make sure you're equipped with the protection your family needs outside of it.

This school year, give yourself one less thing to worry about. If you'd like to review your current coverage or learn more about the coverages available to you, we're here to help, because we design insurance with you in mind!

August is National Wellness Month

August is recognized as National Wellness Month, making it the perfect time to focus on healthy habits that support both physical and mental well-being. Wellness isn't about making dramatic lifestyle changes overnight, t's about taking small, consistent steps that help you feel your best each day.

Whether it's drinking more water, taking a walk during your lunch break, getting enough sleep, or simply unplugging from technology for a few minutes, small choices can have a lasting impact on your overall health. Research continues to show that healthy habits can improve energy, reduce stress, increase productivity, and lower the risk of chronic health conditions.

Wellness extends beyond physical health. Emotional, financial, and social well-being all play an important role in living a balanced life. Taking time to connect with family and friends, practicing gratitude, managing stress, and setting realistic goals can all contribute to a healthier, happier lifestyle.

As you prioritize your wellness this month, don't forget to take advantage of the benefits available through your employer. Many health plans include preventive care services, annual wellness exams, health screenings, telehealth options, wellness incentives, and Employee Assistance Programs (EAPs) designed to help you stay healthy before small concerns become larger issues.

Five Simple Wellness Tips for August

Move more. Aim for at least 30 minutes of physical activity most days of the week.
Stay hydrated. Florida's summer heat makes hydration especially important.
Schedule your annual wellness visit. Preventive care is one of the easiest ways to stay ahead of potential health concerns.
Prioritize sleep. Adults should strive for 7–9 hours of quality sleep each night.
Take a mental reset. Even a few minutes of deep breathing, stretching, or stepping outside can reduce stress and improve focus.

Wellness is a journey, not a destination. By making intentional choices today and utilizing the resources available through your employee benefits, you can build healthier habits that benefit you and your family throughout the year. This National Wellness Month, challenge yourself to make one positive change. You may be surprised by how much of a difference one small step can make.

Elite Insurance is looking for Producers, Benefit Specialists, and Account Managers to partner and grow with an Agency that strives to make an impact with their clients!

Open Roles

Producers
Benefit Specialists
Account Managers

Job Requirements

Hold a 2-15 insurance license
Motivated mindset
Desire to help others
Detail-oriented work style
Focus on client care and excellence

Next Steps

Call the office 904-527-1304 for more information about the available positions and schedule an appointment with Tim and Teresa.

• Watermelon is 92% water, making it one of the most hydrating fruits you can eat. It's also packed with vitamins A and C and the antioxidant lycopene.

• Butterflies have taste receptors on their feet! They land on plants to "taste" them before deciding where to lay their eggs.

• Children who read for just 20 minutes each day are exposed to nearly 1.8 million words each year. Adults benefit too, reading regularly has been shown to improve memory, reduce stress, and increase empathy.

• Nearly 1 in 4 Americans experience an unexpected injury each year.

• Not all beaches have white or tan sand. Around the world, you'll find beaches with pink, green, black, purple, and even red sand, thanks to different minerals and volcanic activity.

• Peaches are in peak season during August. They're rich in fiber, vitamin C, and potassium—and they're delicious grilled, baked, or enjoyed fresh.

Around the Town: WBO Boss Lady Summer Soirée

This month Teresa and Chris joined over 100 local entrepreneurs at the Boss Lady Summer Soirée sponsored by Women’s Business Owners of North Florida and hosted by AnuVision in Jacksonville, Florida. The evening was a fun, beautifully decorated networking event dedicated to celebrating women in business. Guests enjoyed meaningful conversations while building professional connections in the elegant and engaging showroom setting. Who else can say they have a giraffe with a chandelier in their lobby?! The 5th Annual Boss Lady Summer networking event highlighted the power of collaboration, leadership, and community and encouraged women to BE BOLD and inspire future leaders and entrepreneurs. If you would like to join the Women’s Business Owner (WBO) organization please reach out to Teresa Mask for more information. 904-527-1304

Elite Services: Insurance Designed with You in Mind

Our Mission: To treat our clients like family - assisting, educating and providing benefits that protect them and their loved ones through all stages of life. We help unlock the mysteries of Healthcare and educate clients while being a resource they can readily turn to for answers.

Learn about exclusive benefit options for Florida's First Responders