You don't want to miss this. eNewsletter for December 2022
AN INDEPENDENT RISK MANAGEMENT COMPANY
Please Note: Our Office will be Closing at NOON on December 23rd
and we will be Closed December 25th & 26th
Year-End Insurance Tips ~ Re-evaluate and Prepare for Next Year.
As one year draws to a close and another is soon to begin, take the time to look at your insurance policies to see if there are any updates or adjustments needed and to make sure you have the coverage you need. Let’s face it, a lot can happen in the course of a year, and your insurance policies need to reflect those changes
Life Insurance: For those of you with a new bundle of joy, you and your spouse will want to look at how to protect the little one financially if one parent is no longer there
Homeowner’s Insurance: Your home is likely your greatest asset – be sure your homeowners coverage is up to date. With materials costs up significantly, has the value of your home changed?
Auto Insurance: Look for discounts - Some insurance companies offer discounts for people who take defensive driving classes each year.

Other Insurances: Evaluate your needs by your stage in life - As an empty nester, you may be planning to retire to a new area, considering long-term care coverage or evaluating your retirement plan.
Team Members Celebrate 25 years with
FRM Group Insurance and Financial Services
Josephine Fontan and Ronalyn Birnbaum are both long-term, essential members of our award-winning team! And they have grown significantly in their roles since joining our firm 25 years ago. They care about and watch over their clients just as they do their own affairs.
It is that caring, attention to detail, and dedication from two of the best that has allowed FRM Group Insurance and Financial Services to grow and serve more members of our community.
I’m so appreciative of their character, caring, and strong work ethic.
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