Luczkowski Agency Insurance and Financial Services March Newsletter

March 2018
Spring is nature's way of saying, "Let's party!"
~Robin Williams 


As we all know, our weather in Ohio has its own agenda, we  just hope we're ready when it happens. As they say "April showers brings May flowers" however sometimes a bit more water than we need.  We often receive calls about leaks which if are the cause of an occurrence (rain storm) there could be coverage, if the rain comes in through other ways it could be flood or sewer and drain.  If you have questions related to coverage, we are just a phone call or email away!

Warmest Regards, 
Barbara Luczkowski,  CFP ®  
Our interest is truly your best interest.  
Luczkowski Agency 
8045 Mayfield Rd  
Chesterland,  OH  44026  
Securities offered through Nationwide Securities, LLC, member  FINRA, SIPC, DBA Nationwide Advisory Services, LLC in AR,FL, IL,NY,TX, CA and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders
that customize a policy to fit your individual needs.
Is Your Business Protected?

Hurricanes Harvey and Irma are raising questions about flood coverage. Most business insurance policies don't cover losses resulting from floods, and if you're located in a low-risk flood area, you might be tempted to bypass this important coverage. Flooding can occur anywhere - it's not limited to just coastal areas or river basins. And in a tough economy, the cost of damages from a flood could submerge your business permanently. If you've invested money in equipment or a building, flood insurance is vital to protecting your business.

Guaranteed Lifetime Income?
Do you have CDs or other investments like money markets, mutual funds or any cash value life insurance?  Are you happy with the rates or way they are performing?  Is your intent to leave it for your children, but want it there in case you need it for long term care?

Certificates of Deposit are generally considered liquid assets and are used for
short-term durations. CDs are insured by the FDIC for the timely payment of interest,
and if held to maturity, provide a guaranteed return of principal and interest. Annuities
are long-term accumulation vehicles designed for retirement and have limitations;
fixed annuity principal and interest rate guarantees are subject to the claims-paying
ability of the issuing insurance company.

LTC coverage options:
A look at two common types of coverage: linked benefit and stand-alone
There are several different types of LTC coverage in the market place. Two of the most common are linked benefit policies and stand-alone insurance policies. Nationwide YourLife CareMatters is linked benefit LTC insurance solution. You can earmark funds and if you never need care with Nationwide YourLife Care Matters, beneficiaries receive a death benefit equal to or great than the premiums paid into the policy. So the $$ earmarked for "what if" aren't lost on premiums and they could pay, more than you paid in. It's designed for choice, control and flexibility. Keep in mind that since everyone's LTC needs are different, Nationwide YourLife CareMatters isn't guaranteed to cover all of your LTC cost, but it can give you a significant amount of coverage for your premium. Call or email to receive more details.
When choosing a product, make sure that life insurance and long-term care insurance needs are met.  CareMatters is not intended to be a primary source of life insurance protection, so make sure life insurance needs have been covered by appropriate products.  Because personal situations may changes (i.e., marriage, birth of a child or job promotion), so can life insurance and long-term care insurance needs. Care should be taken to ensure these strategies and products are suitable. Associated costs, as well as personal and financial objectives, time horizons, and risk tolerance should all be weighed before purchasing CareMatters. Life insurance, and long-term care coverage linked to life insurance, has fees and charges associated with it that include: costs of insurance which varies based on characteristics of the insured such as gender, tobacco use, health and age; and additional charges for riders that customize a policy to fit individual needs.

Approval for coverage under the policy and attached LTC riders is subject to underwriting and may require a medical exam.

Worried about out living your money:
Nationwide New Heights® Fixed Indexed Annuity with Nationwide High Point® 365 provides two powerful ways to increase guaranteed lifetime income.
What is a Fixed Indexed Annuity?   An fixed indexed annuity is a contract you buy from a insurance company to help you potentially accumulate assets for retirement. It offers returns based on the changes in an index, such as the S&P 500® Composite Price Index.
Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns.
The retirement dilemma, As retirement draws nearer, many of us reach a point when we begin to wonder how we'll generate income and if that income will be enough to carry us through retirement. If you're invested in equities, it's natural to consider what impact a major downturn could have on your retirement. In today's low interest rate environment, are your fixed interest options providing enough growth to fund a retirement that could last 25 years or more? 
Nationwide High Point 365 Lifetime Income Benefit rider, available for an additional cost with Nationwide New Heights Fixed Indexed Annuity, may help address some of these concerns and be an important part of your long-term retirement plan by offering:
*Protection -  your retirement savings are protected from a potential decline in the market 
*Growth - opportunity for earnings based on the performance of an underlying index
*Income - guarantee a source of income you cannot outlive
High Point 365's lifetime income benefit includes:
*Guaranteed annual increases to lifetime payout percentage up to 16%
*Guaranteed lifetime income that will never decrease due to index performance
*Guaranteed income for both spouses when you choose the joint option
To find out more or to see if this makes sense for you, schedule a visit with us.

Guarantees and protections are subject to the claims paying ability of the issuing insurance 

Nationwide New Heights, an individual, single purchase payment, deferred fixed index annuity is issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The contract does not directly participate in the stock market or any index. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty. Also, please note that Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. For more information, please visit

Spring Flower Pretzel Bites
These Spring Flower Pretzel Bites are sweet, salty, crunchy and delicious - an easy and fun treat for Easter, Spring and Mother's Day.

1   Hanover pretzel snaps
1 Easter m&m candies
1 Wilton candy melts - bright, White


Arrange Pretzel Snaps on a paper plate. Place a candy melt in the center of each pretzel.

  1. Place the plate of pretzels in the microwave and heat them until the candy melts are at the beginning stage of being melted. (Approximately 50 seconds.)
  2. Using Easter colored M&M's, place a single M&M in the center of the melted candy melt for the flower center. Now press in the flower petals with contrasting colored M&M's - we used six M&M's for the petals.
  3. Let the Spring Flower Pretzel Bites to fully set up. Store in an air-tight container.
Key Steps to Remember in The Event 
of an Auto Accident

Traffic accidents can be very stressful and chaotic situations. One of the most important things to remember if you get in an auto accident is to remain calm and in control. Knowing what to do in the event of an accident is the best way to prepare yourself.

Remember these steps:
If it's safe to do so, make sure no one is in immediate physical danger.
  • Call 911 immediately if an ambulance is needed. Regardless of who your auto insurance company is, drivers' safety is always the first priority. In most states, the police must be notified.
  • Exchange name, address, telephone number and the name of insurance company and/or agent with the other driver(s) involved. It would also be a good idea to get the contact information of any witnesses.
  • Get the make, model and license plate number of each vehicle involved and write down a description of the damage. If you have a camera or camera phone on hand, it is a good idea to photograph the damage sustained on any vehicle involved as well as the accident scene.
  • At the first opportunity contact your insurance company to notify them that you have been involved in an accident. 
  • If you'd like a brochure  for your glove box "What To Do in The Event of an Accident, let us know and we will send out to you.

Helpful Banking Tips Before You Travel sandy-beach-scene.jpg
Before you go on a trip, you have a lot on your mind: remembering to pack everything, setting your house at the right temperature, arranging for someone to take care of your dog...the list goes on. But you'll want to add one more thing while you're at it: making sure your finances are in order. Here's how to get your money and accounts into vacation mode.
Identity Thieves Don't Just Steal Credit Cards

Most of us know of someone who has had an encounter with identity theft.

We often think of it as an attack on our credit or finances, but did you know it can also affect your medical and police records too?
Given the widespread nature of the recent Equifax data breach we wanted to forward some thoughts that we have been sharing with clients that you may find useful.
1. Don't carry your Social Security card with you or write the number on a check.
2. Don't over-share on social networking sites.
3. Change your passwords every 60 days.
4. Order a free copy of your credit report (with only the last four digits of your social security number) from at least one of the credit bureaus each year: Experian, Transunion, and Equifax.
5. Only use a secure connection on the Internet when sending credit card numbers or other personal information.   The website should begin with "https" instead of just "http," because the "s" means "secure."
6. Do not be tricked into sending personal information to a fake business or someone you do not know. Companies you do business with will not ask you for personal information by email.
7. Password protect your cell phone and other devices.
8. Don't share medical or insurance information by phone or email unless you initiated the contact and know who you're dealing with.
9. Ask your health insurance provider for a record of the benefits that have been paid in your name.
10. File your tax returns as early as possible.
11. Check your Social Security earnings record to make sure no one is using your SSN.
12. Install anti-virus and anti-spyware software to detect unwanted programs.
13. Obtain identity theft restoration insurance. Typically, a very > inexpensive (< $50 annually) optional endorsement under a homeowners, condo, or renters policy. "Restoration" meaning not just reimbursing you for covered expenses, but working with you and on your behalf to restore your identity, which can save you significant time and frustration.

We can endorse ID Theft Coverage on your home policy for less than 3.75/mo.

Call us or click here to send an email for more information.   
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Our Promise:  

To provide the best personalized client experience at a 
competitive price.


Our Primary Obligation:


As your Agency of Choice, our goal is to protect you and your family or business by seeing to it that you understand the difference between simply having insurance and being properly insured.


We will set ourselves apart from other insurance firms by taking care of you, reducing your exposure to risk while helping you attain your personal and/or business goals.

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Don't forget to file your taxes by April 17, 2018!


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contact us.

(440) 729-4042

2017's Most Expensive Year For Insurance Industry

$306 billion was the cost of damage by natural disasters in the U.S. in 2017 making it the most expensive year on record, according to the National Oceanic and Atmospheric Administration.

Frequently Asked Questions:
Why Did My Policy Rate Increase?

  • The best answer is to contact your agent and ask for a review of your policy to assure discounts are maximized.

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Luczkowski & Associates offers both Insurance & Financial Services. We commit to provide you with the best professional service with maximum coverage for every insurance dollar. We will set ourselves apart from other insurance agencies by taking care of you, reducing your exposure to risk while helping you attain your personal or business goals.




Barb Luczkowski, CFP® 

Luczkowski Agency Insurance and Financial Services

8045 Mayfield Rd 
Chesterland,  OH  44026 


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