Welcome To 2012!

DETACH Those Keys! When you take your car in for servicing, be sure to take your house key off the ring. A case in Georgia shocked the public when a woman went to a well-known tire company to have a flat repaired while she waited. Without thinking, she handed her key ring with all her keys on it to the serviceman and waited. What she didn't know was that the business had a machine that makes copies of keys. The business also had her address and phone number in the computer. One of the servicemen copied her... <Read More>

PACK IS BACK!!!! After a 2 1/2 year detour to Kentucky, Jane's husband's job with Arch Coal and nine grandchildren (5 living in WV) have brought her back to her "home", West Virginia. With the return to the state, she has also returned to Payne and Garlow Insurance as a licensed agent in Property & Casualty and Life & Health Insurances. Jane began her insurance career in 2002, becoming licensed in 2003 and joined the P&G team in... <Read More>

Simplified Issue Whole Life Insurance Whole life is a permanent policy that provides a guaranteed level premium, a guaranteed death benefit, and a guaranteed cash value. Simplified Issue Whole Life Policy Overview: Requires only a few medical questions. Policy face amounts are available between $5,000-$25,000. Guaranteed life insurance protection will not decrease. Guaranteed cash value can be borrowed upon to take advantage of future opportunities. Guaranteed premium does not change, regardless... <Read More>

Financial Security Reality Check Financial security is the comfort of knowing that your family's standard of living is secure even if a life-changing event occurs. It is also about having the means to achieve your most important goals, like buying a house or sending your children to college. For most people, financial security comes from a combination of savings, insurance, and investments that are accumulated over time. But how do you go about creating a... <Read More>

Quote of the Month "The pursuit of happiness is the chase of a lifetime! It is never too late to become what you might have been."