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Being a defensive driver means driving to prevent accidents in spite of the actions of others or the presence of adverse driving conditions. In other words, defensive driving means that you are ready for any and all surprises on the road.

To avoid accidents by practicing defensive driving, follow a three-step process of seeing hazards, understanding potential defenses and acting in time.

  1. See the Hazard: Think about what may happen as...
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Did You Know?

According to the Centers for Disease Control and Prevention (CDC), this nasty habit kills over 480,000 people each year and this number continues to rise. With all the health risks associated with smoking, it’s important to extinguish your smoking habit for good! Here are some suggestions to get you started on your journey to being smoke-free.

  • Quitting has dramatic beneficial effects on your health within minutes.
  • After 20 Minutes: Blood...
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Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead:

  • Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed.
  • Insulate water pipes in areas exposed to cold temperatures.
  • Check for...
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Did You Know?

Lower back pain is one of the most agonizing and common health conditions in the world, as well as a leading cause of disability. According to the American Chiropractic Association, 1 in 4 adults will experience lower back pain for at least one day during a three-month timespan.

Although lower back pain is common and usually goes away on its own, there are a number of treatments you can take to prevent or relieve your pain.

Until recently, one of the most...

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Did You Know?

A recent study from the University of Minnesota found that talking on a cell phone while driving impairs one’s ability even more than driving while intoxicated. Talking on a cell phone and other driver distractions pose a major hazard to everyone on the road.

To minimize risks while driving:

  • Do not talk on your cell phone or use the text messaging feature.
  • If you absolutely must conduct a conversation use a hands-free device and speed dial...
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Did You Know?

According to the American Heart Association, more than one in three women has a form of cardiovascular disease. And, heart disease is the leading cause of hospital stays for men in the United States. While there are risk factors that contribute to heart disease that you can’t control, there are many things you can do to maintain your heart health.

Check out the list of risk factors for heart disease that you can control below.

  • High blood pressure...
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Did You Know?

There is a growing trend in the number of motorcycle fatalities and accidents each year, making motorcycle safety a real concern for riders. Read on for some basic tips to help you arrive at your destination…safely.

Common Causes of Accidents:

  • Motorists fail to see riders when they are coming out of a driveway, making a left turn in front of an oncoming rider or when the motorcycle is in the driver’s “blind spot.”
  • Many riders do not obtain...
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Did You Know?

Life Insurance premiums are calculated after looking at an individual’s health risk factors, such as tobacco use, cholesterol level, obesity, diabetes and family history. Modifying controllable health and lifestyle factors will reduce your life insurance premium, in addition to making you healthier!

When applying for life insurance, you will be asked to provide information about your medical history and take a physical examination. If you are not completely...

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Did You Know?

Spending time outdoors is a wonderful way to bond with family and friends, and enjoy nature. Before you head out into the great outdoors, you need to be aware of a danger lurking not so deep in the woods—Lyme disease. This bacterial infection is contracted after coming in contact with a deer tick that has feasted off another infected animal.

There are three main stages of Lyme disease:

  • Early Localized Lyme Disease: A rash develops on the skin at the...
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