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Your Future Is in Your Hands. Just in Case

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Your Future Is in Your Hands. Just in Case QUARTERLY FINANCIAL INFORMATION FOR ONE NEVADA CREDIT UNION MEMBERS Your future is in your hands. Just in case. LET’S DO AN INSURANCE CHECKUP. When life gets a little daring, just remember to stay protected. With over 80 years’ combined experience helping Nevadans find the right coverage at the best price, we consider ourselves insurance experts. Now’s a great time to do a checkup on your current auto, home, or life policies. Call us: 800-388-3000, option 4 Email: [email protected] Visit: onenevadainsurance.com Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty, and life insurance offered through One Nevada Insurance Services. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as your driving record, claims, and credit history reports. Future reports may be used to update or renew your insurance. FOCAL POINT Greetings, fellow Members! Contents With cooler temperatures, the variety of Hallogivingmas decorations hitting the Defend your financial future stores, and everything pumpkin spice, Pages 3–4 there’s no doubt fall has arrived! And for One Nevada, fall means it’s planning Go all in on your financial season. stability Pages 5–6 Throughout this year’s Focal Point issues, we’ve introduced you to three of the four financial behaviors that we believe help you build lifelong financial strength and stability: spend Member profile: wisely, borrow sensibly, and save diligently. In this last issue Jennifer Joseph of 2019, we focus on the fourth financial behavior . plan Bartender at South Point thoughtfully. Hotel, Casino and Spa Henderson, Nevada Planning thoughtfully is about protecting you and your Pages 7–8 family’s financial future by preparing for the unexpected. There’s nothing that can derail the family budget more than Six tips to avoid the latest an unexpected accident, illness, or mechanical breakdown. insurance scams That’s why in this issue you’ll find articles covering the various Pages 9–10 types of insurance that can help your family be resilient in the face of these unexpected hardships. Getting familiar with Knowing the types of insurance you need and how much insurance lingo to buy can be confusing. Here’s the great news! Your credit Page 11 union membership gives you access to our experienced insurance advisors at One Nevada Insurance Services. Yes, Serving the community it’s true! Your credit union has it’s own insurance agency that Page 12 can help you evaluate your family’s needs and find the right coverage at the best price. Did you know? Employee focus As always, thank you so much for your continued membership. Page 13 Best regards, Paul Parrish President/CEO One Nevada produces Focal Point quarterly as a service to you. Our goal is to bring you real financial knowhow that helps you be financially well. Copyright ©2019. One Nevada Credit Union. All rights reserved. Reproduction, in whole or in part, without written permission is prohibited. Insured by NCUA. Equal Housing Lender. Focal Point team Send comments and suggestions to: Deborah Colby, SVP-Chief Marketing Officer One Nevada Credit Union — Focal Point Jennifer Salvador, AVP-Content and Production 2645 South Mojave Road Jake Ludens, AVP-Demand Generation Las Vegas, NV 89121 Lisa Jansen, AVP-Community Engagement [email protected] Jara Pearson, Digital Media Strategist For address corrections, please speak with a Mike Tymczyn, Product Marketing Strategist Financial Service Representative or call us. Greg Pace, Sr Graphic Designer To find a branch in your area, go to Toni Marie Flowers, Marketing Operations Coordinator onenevada.org or download our mobile app. FOCAL POINT Defend your financial future. uying insurance is unlike buying anything else. It’s Bsomething you purchase and hope you never have to use. Think about it, if you drive a car, then you probably have auto insurance. And we’re fairly sure you don’t want to In other words, your money and get into an accident. Therefore, you’re everything you’ve worked hard to paying for something you hope you acquire could be lost if you go without won’t need. But it’s nice to know it’s health insurance while you’re alive, there. Especially when it comes to your auto insurance if you own a car, financial future. homeowners insurance if you own a home, or liability insurance if you From health and auto insurance, to have substantial property you want to life insurance, pet insurance, and protect. even renters insurance, the insurance coverage you purchase is only used Let’s say you don’t have proper auto • Life insurance for those you love. when something goes wrong, like an insurance coverage and you’re injured • Disability insurance if you’re ever auto accident, household mishap, in a terrible auto accident. You could injured or become ill and can no or loss of a family member. Life is be in the hospital for a while. The bills longer work. not predictable, but having the right for your care will come right out of your • Long-term care insurance to protect insurance adds some predictability savings. Once that’s gone, your family your finances from the high cost of and a layer of defense to your financial may be forced to pull money out of nursing home care. future. We call that financial resiliency. your retirement fund, sell your home, or • Pet insurance to ensure you never both. have to choose when to save your Here’s how the right advice and pet. insurance coverage can work in your The right insurance gives you and • Accident and sickness insurance to favor and protect your family from life’s your family steady footing for those cover hospital stay and transportation random curveballs. moments. costs. • Payment Protection insurance to Insurance plays an important role Options you should consider include: ensure your credit and finances are Putting money away into an emergency • Auto insurance if you drive or own not affected if you’re unable to make fund and saving for your retirement is a vehicle. a loan payment due to loss of a job, vital. But equally important is insurance. • Homeowners insurance if you own illness, or accident. The right insurance policy will protect a home. your savings and other assets from • Renters insurance if you rent your Understanding life insurance being depleted if you or someone you home and want to protect the What you’re buying when you start a love is injured in an accident, becomes value of your belongings. life insurance policy is the promise of a sick, or worse. payout to your family after you’ve . how 3 South 702-457-1000 | North 775-827-3880 | Q4 2019 FOCAL POINT can we put this delicately . stopped Don’t forget your last will and You can write up your own will and breathing. Nobody wants to talk about testament testament right now. There are plenty mortality, but it’s an eventuality that What you want for your family, of websites out there that can help. you can insure for your loved ones. your property, and your finances is But you might consider hiring an important. A Last Will and Testament attorney to look it over or at least get The main reason that life insurance is a legal document that outlines the document notarized. even exists is for your family. When you who gets your money, property, purchase a life insurance policy, you’re guardianship of your children, and Insurance is our thing — we can not doing it for you. You’re doing it for who will be the executor of those make it yours too them, whether that’s a spouse, partner, decisions. You can even designate One Nevada Insurance Services kids, parent, or other family member. who will take care of your pets when knows the world of insurance and The right policy will provide for those you cannot. can help you find the right mix of who rely on you for their immediate coverage, cost, and protection to and long-term financial stability. But, like a life insurance policy, if you keep your financial future in focus, no don’t have one in place, your family matter how unpredictable life gets. Picking the right insurance policy is will be left to sort things out on their something One Nevada Insurance own. A solid, legal, up-to-date will Call: 800-388-3000, option 4 Services can help you do, but for and testament makes life a lot easier Visit: onenevadainsurance.com now just know that the general rule is for those you love after your life has coverage equaling six to eight times expired or you become incapacitated Email: [email protected] your annual income. That way your and unable to make decisions. family has years to adjust and remain financially stable. onenevada.org | Q4 2019 4 FOCAL POINT Go all in ON YOUR FINANCIAL STABILITY. We get it. We live in Nevada. Gambling is all around us. But as your credit union, the only sure bet to protecting your financial stability is to plan for the unexpected. 5 South 702-457-1000 | North 775-827-3880 | Q4 2019 FOCAL POINT Be resilient to setbacks file a GAP claim and then finance your without a medical examination. So, Most of us know we should have next vehicle with us. You’ll find it can why should you have AD&D and how adequate home, auto, and life cost significantly more when purchased does it build your financial resiliency? insurance, but there are three other through an auto dealer.
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