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Ray Collins is an annuity agent in Gulf Shores, Alabama. If that is something you are interested in,

10/24/2023

📢 Mark your calendars! Open enrollment for 2024 coverage through ACA starts on November 1 and ends on January 15, 2024. Enroll by December 15, 2023, to ensure your coverage begins on January 1, 2024.

Sign up to take advantage of several key updates, including:

➡️ A new Special Enrollment Period for Medicaid and CHIP coverage
➡️ Expanded access to behavioral health care
➡️ A simplified plan selection process

Share this important info with your loved ones, and remember, if you have any questions or need assistance, don't hesitate to reach out. We're here to help.

10/18/2023

October is Cybersecurity Awareness Month, and with cyberattacks against businesses rising, now is the perfect time to reflect on how to protect your team from cyber risks.

Consider these stats:

💻 Ransomware attacks have increased by 93% in 2023, with 54% of organizations experiencing a cyberattack in the last 12 months.
💻 Only 8% of businesses that pay a ransom get back all of their data.
💻 43% of cyberattacks are aimed at small businesses, but only 14% are prepared to defend themselves.
💻 91% of cyberattacks begin with a phishing email.
💻 85% of organizations experienced more than one data breach in 2022.
💻 In the US, the average cost of a data breach was $9.44 million in 2022.

If you have any questions about cybersecurity insurance or concerns in general, please reach out.

10/12/2023

Did you know people with disabilities are the largest minority group in the United States?

This Disability Employment Awareness Month, we want to share steps employers can take to prioritize disability equity:

✔️ Take a look at your job listings. Ensure the postings are accessible, and consider whether job requirements (like the ability to 20 pounds) are truly necessary for the job.

✔️ Create an inclusive work environment. Ensure your office space is accessible, make reasonable accommodations, be open to employee feedback, and train your entire staff on disability awareness.

✔️ Provide comprehensive coverage. Also keep in mind coverage types that may be especially important for people with disabilities. For example, people with disabilities often struggle to get life insurance, so this can be a great employer offering.

By prioritizing disability equity, you can attract and retain top talent, improve employee morale/productivity, reduce your legal liability, and create a more welcoming workplace.

Share this post to raise awareness of disability equity in the workplace, and let us know in the comments what you’re doing to make your workplace more inclusive ⬇️.

10/09/2023

If you’re anything like us, you love to embrace the cozy scents of autumn this time of year! 🕯️🍁

So tell us, what's your favorite fall candle scent?

🍎 Is it the sweetness of honeycrisp apple?

🎃 The sweet and comforting scent of pumpkin spice?

🍂 Or perhaps the earthy and crisp fragrance of fallen leaves?

Comment below 🍎 or 🍂 or 🎃 to let us know your go-to fall candle scent. And if you have any other scent recommendations that capture the essence of the season, feel free to share them too!

10/03/2023

Did you know one in eight women will develop breast cancer in their lifetime? And even more will know or love someone fighting this destructive disease.

That’s why, during Breast Cancer Awareness Month, we want to raise awareness about this form of cancer. Take a look at a few key facts below:

💝 One in eight women will develop breast cancer in their lifetime.

💝 The average age of diagnosis is 62, but breast cancer can occur at any age.

💝 Early detection is key to survival. When breast cancer is caught before it has spread to other areas of the body, the five-year relative survival rate is 99%.

💝 As such, it's important to talk to your doctor about any risk factors and get regular mammograms once it’s recommended you do so.

💝The United States Preventive Services Task Force recommends women ages 50-74 with an average risk receive a mammogram every two years. Women ages 40 to 49 should talk with their doctor to determine when to start and frequency.

💝 There are many effective treatments for breast cancer, and the survival rate has been steadily increasing in recent years.

Share this post to raise awareness about breast cancer, and remember to talk to your friends and family about the disease and encourage them to get screened.

09/29/2023

Happy National Coffee Day! 🌟☕️

Let's spice up this caffeinated celebration with a delicious coffee-inspired recipe that will tantalize your taste buds! Introducing: Mocha Chip Frappuccino Brownies! 🍫✨

Now, sit back, relax, and savor the irresistible combination of rich chocolate and coffee flavors. Share this delightful recipe with your friends and family, and let them indulge in the blissful fusion of two beloved treats!

09/20/2023

Around the office, we’re divided on how we like to spend a perfect Saturday in the fall.

🏈 Half of us are all about the heart-pounding energy of a college football game—cheering, chanting, and celebrating every touchdown.

🍁 The other half craves the peace and quiet of a leisurely hiking excursion surrounded by nature's colorful landscape and soothing sounds.

So, which team are you on? Join the discussion in the comments, and let's see which side tops the tussle for the ideal autumn adventure.

Vote by commenting a 🏈or 🍁 below!

09/12/2023

🌀 September is National Preparedness Month - and the peak of hurricane season. It's crucial to ensure your family and home are ready in case of an approaching storm. Here are 7 tips:

1️⃣ Stay informed: Follow reliable weather sources for updates and guidance.
2️⃣ Emergency kit: Stock up on essentials for at least 72 hours.
3️⃣ Evacuation plan: Know your routes and plan ahead for family and pets.
4️⃣ Secure your property: Trim trees, secure outdoor items, and reinforce windows if needed.
5️⃣ Communication: Create a plan and share contact info with loved ones.
6️⃣ Important documents: Store them safely in a waterproof place.
7️⃣ Stay connected: Keep devices charged and have backup power sources.

Preparation is key for safety and minimizing impact. Remember, we're here to assist with insurance-related needs. Stay safe during hurricane season!

09/06/2023

September is Life Insurance Awareness Month! 💼 Here's a staggering statistic: 44% of American households would face financial hardship within six months if the primary wage earner passed away 😰 Don't leave your loved ones vulnerable.

Take advantage of Life Insurance Awareness Month. Review your coverage to ensure it aligns with your needs and goals. We're here to help you find the right policy 🤝

09/01/2023

Happy Labor Day – or as our furry friends would say, Happy Monday 🐾

We hope all of you can take some time to relax, whether it’s in the form of cat naps or some dog-gone good Labor Day deals!

Address

1404 W First Street, Suite A
Gulf Shores, AL
36542

Website

http://New-Horizon-Insurance.com/

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