Insurance World

If you’re married and/or have a few kids running around the house, you’re probably a little concerned about your finances, if not outright worried. And who wouldn’t be? With the cost of gas constantly rising, the high prices of child care and education, and the monthly bills that seem to overflow your mailbox each month, it’s only natural to worry about your finances. It’s a tough enough struggle to make sure ends are met while you’re alive. What happens to your family in the untimely event of your death?

By purchasing a life insurance policy now, you can make sure your family’s finances will be taken care of after you’re gone. Many people don’t like to think about purchasing a life insurance policy, because life insurance policies make us think about death, and death can be an unpleasant topic; however, life insurance policies themselves shouldn’t be unpleasant topics, since they’re responsible purchases to help cover your family’s finances once you pass on.

There are two main kinds of life insurance policies – term life insurance policies, which cover you for a specific number of years, and whole life insurance policies, which cover you for the duration of your life. Despite the differences between these two different kinds of life insurance policies, one thing remains the same – both term life insurance policies and whole life insurance policies will pay your beneficiaries, usually your family members, a certain amount of money in the event of your death. The money from your life insurance policy can be used to pay off debts, cover your children’s day care or education expenses, or simply act as a supplemental income since your spouse will have lost yours.

When purchasing a life insurance policy, you should think about both your current finances and possible future finances, such as funeral costs and the children’s educations. Purchase enough life insurance to help your family avoid financial burdens in the future.

By Paul Bender, Co-owner of RV America Insurance

Since RV America assists more than 1,000 RV dealers nationwide, we generally stay current with dealership practices and procedures as well as new RV gadgets, warranties, protectants, cleaners, gizmos, and the occasional scam. One of the best new products we’ve recently seen on the market is a product called Diamon-Fusion.

If you’ve driven any vehicle – especially an RV – on the open road, you’ve no doubt experienced the head-whipping experience created by seeing a rock hurtling toward your windshield. You flinch, close your eyes, and simultaneously hear the inevitable popping sound made by the projectile. Instantly you open your eyes to inspect the nature and cost of the damage. We’ve all been there.

As mentioned above, there’s a new product on the market that many of our RV dealers are recommending, and that we wholeheartedly endorse as well. It’s called Diamon-Fusion. (RV America Insurance does not sell this product, nor do we make a profit from endorsing it.) Diamon-Fusion provides a four-year warranty, which covers the repair of any damage caused by road debris. You can purchase an upgraded warranty, which includes both repair and/or replacement of the glass.

So, how does this product work exactly? According to Diamon-Fusion USA, this product causes a molecular change in the surface of the glass. The process reduces the coefficient of friction and also increases its impact strength by as much as tenfold. I’ll explain.

Your windshield glass appears to be smooth, and it is, basically. But imagine for a moment that you’re looking at an extreme close-up of your windshield. Under a microscope, you’d probably think you’re looking at the surface of 80 grit sandpaper. Your RV’s windshield is constructed like that; it’s actually quite rough. You might say that the surface of your windshield is covered with millions of peaks and craters. So, here’s what happens when that projectile hits your windshield; the rock, let’s say, actually grips into one of these craters transferring its full force to that immediate spot on your windshield. If the force is strong enough, you’re left with a star, or crack in your glass.

How does Diamon-Fusion work? Although we could elaborate on the entire molecular process, let’s over-simplify at this point. The application of this product first creates a smooth surface by filling in the peaks and valleys. Then a protective coating is added which provides the durability. Simple, huh? Not only is your RV windshield now stronger, but the slicker surface significantly increases the chances that a rock will bounce/slide off without creating damage. In fact, lab tests conducted by the company show that it would take about 10 times the force to crack a Diamon-Fusion treated windshield compared with an untreated one.

While this alone is probably enough to capture your interest, there’s another added benefit. You can also expect to have improved wet weather visibility when your RV windshield is treated by Diamon-Fusion. Why? The smoother the surface of your RV windshield, the less likely it is that water droplets will be able grip your glass.

Because of the nature of the chemicals used in the process, the application of Diamon-Fusion is not a project you can do yourself. See your RV dealer for a quote and proper installation. The price can range anywhere from $400 to $2,000 for the largest of RV windshields.

If you consider the cost of a new windshield, and/or the cost of your RV insurance deductible coupled with the potential inconvenience of interrupting your vacation, you might come to the conclusion that Diamon-Fusion is a good investment for your RVing future.

Paul Bender
RV America Insurance Mktg., Inc.
1-800-400-0186
www.RVAinsurance.com

Paul Bender is the founder and Co-owner of RV America Insurance Marketing, Inc. in Simi Valley, CA. RV America Insurance is the largest RV insurance agency in the nation, and has long been recognized as the leading provider of specialty RV insurance through RV dealerships nationwide. RV buyers rely on RV America’s licensed agents to provide outstanding value and superior knowledge of RVs and RV specific insurance coverage.

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