Tuesday, September 23, 2008


As the Baby Boomers start moving to and through retirement, probably the most important insurance PURCHASE will be LONG TERM CARE INSURANCE. The goal of this insurance is to protect your assets for as long as possible.

Who needs Long Term Care?
Even though you plan to remain healthy, active and independent, there’s a good chance, at some point, you’ll need help. Consider these statistics:
Today, people age 65 and older face a 40 percent lifetime risk of entering a nursing home — about 10 percent will stay there five years or more.
It’s not just the elderly, however, who require Long Term Care. Forty percent of the 12 million Americans receiving Long Term Care are between the ages of 18 and 64.
Because women generally outlive men, are they more at risk?
Yes, the issue of Long Term Care should be especially important to women because they traditionally provide (see Unpaid caregiving issues) and receive the majority of Long Term Care services. Consider these statistics:
After age 65, women face a 50 percent greater likelihood than men of entering a nursing home.
Seventy-five percent of nursing home residents 65 years and older are female, and two-thirds of home health care users are female.

Thursday, September 11, 2008

Binning & Dickens Insurance is located at 329 W Cneter Street, Whitewater WI 53190. We have 4 licensed insurance agents offerring quick personal service from 8:00am to 5:00pm ever day and we keep Saturday Morning hours - 8:00am to Noon.
Stop in today.

As Independent Agent, we represent many insurance companies, giving us the opportunity to find the right insurance company for you. In addition we also find the RIGHT PRICE for you. Unlike the direct writers or the internet, we do the shopping for you.

Binning and Dickens Insurance Services Ltd

329 W Center St, Whitewater WI 53190

Auto, Home, and Business Insurance


With the advent of INTERNET INSURANCE, buyers are not consulting with anyone about their personal insurance purchases. Questions about policy limits, unisured and underinsured motorist coverage, rental reimbursement, physical damage coverage, gap insurance, umbrella coverage, etc are not being asked. The goal of insurance is to protect your assets. Insurance IS NOT a commodity like a pair of shoes or a new suit. I believe talking to an Independent Agent is the only way you can fully understand the insurance purchase and feel confident you are purchasing the insurance you need to protect yourself and your family from financial ruin.