Life Insurance may be one of the most important purchases you will ever make. In the event of a tragedy, life insurance proceeds can help pay bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.

If someone depends on you financially, chances are you need life insurance. Life Insurance provides cash to your family after your death. This cash (death benefit) replaces your income and can help your family meet many important financial needs like daily living expenses, child care, mortgage payments and college savings. Also, there is no federal income tax on life insurance benefits.

There are many kinds of life insurance, but they generally fall into two categories:

Term Insurance: Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time and generally pays a benefit only if you die within that term. This type of life insurance often makes sense when you have a need for coverage that will disappear at a specific point in time, such as when your children are grown or when your mortgage is paid off.

Permanent Insurance: Permanent Insurance provides lifelong protection. This type of life insurance accumulates cash value and is priced for you to keep over a long period of time. As long as you pay the premiums, have no loans, no withdrawals or surrenders are taken, then the full face amount will be paid to your beneficiary.

Your business is important to us. Executive Insurance Group can offer a wide array of Commercial Lines coverage for all types of businesses - both large and small.

Homeowner insurance policies are designed to cover a homeowner's personal liability to others in areas of bodily injury, and property damage to your home or premises by a specified peril listed on your insurance policy.

Homeowner property coverage protects your dwelling, other structures, contents/ personal property, and loss of use. These coverages stack on top of one another.

Many types of personal property are NOT covered on a homeowner policy.
- Animals, birds, fish
- Motor vehicles other than those used solely to service the premises or designed to assist the handicapped
- Aircraft, except hobby or model aircraft
- Property of roomers, unless related to the insured

In addition to your home property coverage listed above, all homeowner policies contain several additional coverages, most of which are in addition to your homeowner policy limits. These additional coverages are included in your homeowner policy.

The state of Ohio requires anyone who is licensed to be financially responsible for themselves, passengers in their car, and others in case of a collision.

A Personal Auto Policy is the broadest type of auto policy sold.

A Commercial Auto Policy is very similar, except it is designed for vehicles in commercial use, such as pickup and delivery of goods or merchandise. Generally a Commercial Policy is more restrictive than a Personal Auto Policy.

Auto Insurance rates depend on who is driving the car and where the car is being driven. Rate classifications are based on age, gender, marital status, credit score, and where you live. Safe driving skills help keep your auto insurance premium low in cost.

Executive Insurance Group can write Health Insurance for both business and personal.

Basic coverage for tenant/renter insurance includes:
- Personal property
- Loss of use
- Building additions and alterations
- Personal liability
- Medical payments

Farm & Ranch insurance coverage requires special policy forms to reflect the differences between farming and other types of businesses. These forms (endorsements) combine the residential and business protection necessary to properly cover farms.

Homeowner policies do not protect against flood damage. Flood protection is administered by the National Flood Insurance Program and not your home insurance carrier.

If you carry comprehensive coverage on your automobile/recreational vehicle, the direct, sudden damage resulting from flood water would be covered under the terms of most policies.

Boatowner coverage will give you peace of mind on the open water. A boatowner policy offers the basics, such as coverage for liability and medical payments to others, physical damage, equipment and accessories, and wreck removal.

Optional Boatowner coverages are emergency service, personal effects, uninsured watercraft, medical payments for you and your family, and loan gap coverage (to pay off your boat in case of a total loss).

You can receive discounts on your boatowner policy if you are loss free, have completed a safety course, have safety devices on board, and you hold other policies with the same company that insures your boat.

Take a moment to consider long-term care insurance. Why? Because the cost of long-term care, should you need it, can quickly deplete your life's savings. Long-term care services are not just for older people. A young or middle-aged person who has been in an accident or suffered a debilitating illness may require these services as well.

Long-term care insurance pays for a wide range of services and procedures that typically are not covered by regular medical insurance. The types of care fall into three categories:

Skilled care: People with serious illnesses or injuries from which they will never recover will probably receive skilled care from nurses or professional therapists. Skilled care is provided daily, usually ordered by a physician, and involves a treatment plan.

Intermediate care: This type of care is the same as skilled care, but not provided on a daily basis. For instance, if you injured your leg and need to visit a physical therapist five times a week to help you heal, that is considered to be intermediate care.

Custodial care: Custodial care includes assistance with daily activities like bathing, eating, dressing, toileting, continence and transferring in and out of beds and chairs. Custodial care can range from in-home care provided two or three days a week, to 24-hour nursing home care.

A dwelling fire policy is sold to owners of rented dwelling structures.

A dwelling property policy can be written for a one-, two-, three- or four-family structure. There are two very important facts you need to remember about a dwelling policy-there is NO theft coverage on contents and NO liability coverage. This coverage can be added by endorsement.

If you suspect insurance fraud, help prevent it by contacting The National Insurance Crime Bureau.

Identity Theft is a crime in which an impostor obtains key pieces of personal identifying information (PII) such as Social Security numbers and driver's license numbers and uses them for their own personal gain. It can start with lost or stolen wallets, pilfered mail, a data breach, computer virus, phishing, a scam, or paper documents thrown out by you or a business (dumpster diving).

What to do immediately if you are a victim:

01 Contact the Social Security Administration (fraud line) at 1.800.269.0271.
02 Contact the Federal Trade Commission (FTC) at 1.877.438.4338. Obtain a 6 page ID theft report.
03 Contact your local Police Department and make an official written report.
04 Contact each of the following credit bureaus Fraud Divisions:
05 Equifax Fraud Division: 1.800.525.6285
06 Experian Fraud Division: 1.888.397.3742
07 TransUnion Fraud Division: 1.800.680.7289
08 Check your credit report every month for 6 months.
09 Check your credit report once a year for your entire life.
10 To get your FREE yearly credit report go to www.annualcreditreport.com
11 Go to www.idtheftcenter.org for more information.

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Barbara Winston originally founded and is the team leader of Executive Insurance Group in North Canton, Ohio. Her pride comes from being the mother of 3 teenagers (and living to talk about it!) and "like a Mom" to many. Her commitment to excellence coupled with her loyalty has made many of her clients stay with her from the first year in business when she started the agency from scratch 30 years ago. Barbara currently is a graduate assistant for Dale Carnegie, counselor for S.C.O.R.E., and board member for Little Theatre Troupe (a nonprofit children’s theatre group). Barbara lives the core values of education, excellence, loyalty, teamwork, and open communication in both her personal life and business life. She feels most adamant about insurance not being the cheapest, the lowest, or highest, but the correct solution for each individual, family, and business.

Executive Insurance Group is with YOU for life and offers an array of risk-management and benefit programs to individuals and businesses in Ohio, and the USA. For 32 years we have grown and expanded our team of specialists who combine their talents to meet the unique needs of our clients.

Our team at Executive Insurance Group strives toward a primary goal: We want to meet or exceed our clients’ expectations through the products we offer, the research we conduct, and the attention we pay to details.

Because we are an independent insurance agency, Executive Insurance Group partners with insurance suppliers that offer a wide variety of services and coverage. We select these companies based on their excellent customer service and high ratings from insurance company evaluators, Standard and Poor, and A.M. Best. A few insurance suppliers we currently represent for auto and home include State Auto, Grange, and Westfield.

Executive Insurance Group also partners with many more companies who supply coverage for life and annuity insurance policies. A few of these include National Western, Zurich Kemper, Standard Life of Indiana, and U.S. Financial. Due to our wide selection of insurance companies, we are able to provide insurance at tailored and reasonable rates for all clients, including those in unusual situations or with special risks.

Since 1980 Executive Insurance Group has been a member of the Professional Insurance Agents Association of Ohio. Since 1995 we have been a member of Aviation Insurance Associates.

Mission
To prepare our clients for the future by developing tailored risk management and benefit programs that enhance our client's profitability and provide them peace of mind - is our commitment to you. We are with YOU for life.

Vision
We seek to advance our business by aligning with companies that support our goals, developing innovative marketing plans and encouraging our loyal clients to continually refer us to others. As we grow, we expect to provide consistent levels of service to our clients regardless of location, account size or other factors. As a strong contributor to our community, we desire to establish a solid local presence. We continue to secure our future by identifying new markets-around the corner and around the world-in which to offer our products and services.

Education: In a fast-paced, ever-changing business climate, we commit to continually increase our knowledge of our industry with the goal of providing the most appropriate solutions to our customers.

Excellence: We maintain an attitude of excellence. This mindset applies to our dedication to our team and company, our conversations with customers and insurers, our willingness to improve our performance and ability to adapt to new and challenging situations.

Loyalty: We place the needs of our customers, the companies we represent and Executive Insurance Group before our own ambitions.

Open Communication: We understand the damage that can be caused when dialogue ceases. To avoid interruptions in service, we keep all lines of communication open- among our team members and with our customers and suppliers.

Teamwork: Together we are strong. We value the diverse characteristics of our team members and regularly identify ways to merge our strengths into our daily work and interactions with clients.

Richard Cordray Women and Money
Women have a powerful role in our national economy today. Unfortunately, women still earn less than men, are more likely to spend some years out of the workforce; and have a longer life expectancy than men do. As a result, women must have a better understanding of their finances and there is less room for error. The Women & Money program will give you more tools to create a stronger financial base for your future.

Jackson Beldon Chamber of Commerce
The JBCC strives to be an advocate of business in Jackson and Stark County. The JBCC helps to ensure that the community's infrastructure serves the needs of businesses and develops programs to benefit members.

Little Theatre Troupe
The Little Theatre Troupe is a project of the Stark County District Library, and funding is provided through in-kind support from the library and donations. It is sponsored by the Friends of the Little Theatre Troupe and by an extensive corps of parent and community volunteers.

SCORE: Counselors to America’s Small Business
SCORE's 10,500 volunteers give free, confidential advice to help hundreds of thousands of entrepreneurs each year. SCORE business coaches-men and women, working and retired-counsel hundreds of thousands of small business owners from nearly 400 offices nationwide.

Academic Challenge Jackson Middle School
Academic Challenge is a Knowledge based team competionn among middle school students in our area. Team members are asked questions about english, math, science, social studies and current events.

Dale Carnegie Graduate Assistance
Founded in 1912,Dale Carnegie Training has evolved from one man's belief in the power of self-improvement to a performance-based training company with offices worldwide in order to build positive, steady, and profitable results.

Women's Business Enterprise National Council
The Women's Business Enterprise National Council (WBENC), founded in 1997, is the nation's leading advocate of women-owned businesses as suppliers to America's corporations. WBENC works to foster diversity with programsesigned to eliminate barriers in the marketplace for women business owners.