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Blog by Erie Insurance

Term vs. Whole Life Insurance: Which Do You Need?

Life is always changing – which is why it’s important to review your insurance needs and make sure your coverage is keeping up with your life. Whether you’re entering adulthood or nearing retirement, you may have a need for life insurance… but understanding which policy is best for you can be confusing. Let’s talk term and whole life insurance to help you find which benefits you the most, at any stage of life.

Term life insurance provides coverage for a specific number of years and you select the “term”. It’s an easy, more affordable option if you’re not looking for lifelong coverage. But, if you should change your mind, during your policy term you usually have the option to renew it or perhaps convert it into a permanent life plan.

At Erie Insurance, we offer two term life insurance plans including an easy-to-purchase option and level term insurance. An ERIE agent can help you decide which option is best for your situation.

Some general things to know about term life insurance:

  • You have the option of choosing how long and how much
  • Plans usually come in 5, 10, 15, 20 or 30 year packages
  • It is often more affordable than other life insurance options
  • Some policies come with an option to convert to permanent
  • It only pays if you perish during the period of the policy

When would I need term life insurance?

In your 20s: There are reasons to consider life insurance protection at a young age. Your rates will be less expensive because insurers price policies based on risk and young people have a far lower mortality rate than older groups. College and credit card debt could be one expense you want to cover. According to, the average student debt is over $37,000. A term policy can help relieve the burden of college loan payments away from your co-signer or family.

In your 30s and 40s: A new house, spouse and growing family are just a few reasons to consider a term life policy. While the best approach is often a blend of term and whole life insurance – that provides lifelong coverage and builds cash value – term policies can help cover the basic expenses if the unexpected does occur.

Whether you’re a fresh-out-of-college grad, a home owner, newly married or just had your first child, here are a few reasons why you might need a term life policy:

  • Funeral costs – From funeral planning to cemetery arrangements and proper permits, a funeral can cost up to $8,755. A term life insurance plan helps cover those costs so your family and loved ones don’t have to.
  • Income protection – Consider how much money your family would need without your paycheck in the picture. A term policy can help cover rent, utilities, groceries, car payments or childcare expenses so your family can maintain their lifestyle to the comfort they are used to.
  • Mortgage protection – Having life insurance in place can allow your family’s story to continue in the home they know and love.
  • Child starter plan – Purchasing life insurance when your children are young means they’ll be able to have life insurance when they need it most – even if there are health problems that run in your family. Once in place, their rate won’t go up and they’ll also have the option to exchange their term policy into a permanent cash value policy later in life.


Whole Life Insurance, also called permanent life insurance, is designed to last your lifetime. That means your family and beneficiaries are covered for the duration of your life*. In addition to providing financial protection, whole life policies build cash value which allows you an opportunity to build your wealth.

Some things to know about whole life insurance:

  • Provides coverage for your entire life
  • Accumulates cash value
  • Premiums and coverage are guaranteed to remain the same for your lifetime

When would I need whole life insurance?

In your 30s and 40s: While a term life plan can be a great to start for life insurance protection, the best approach is often a blend of term and permanent life insurance that provides lifelong coverage and builds cash value. Whole life insurance can be used to cover the same expenses as term – like funeral costs, income replacement and mortgage protection, for example. Your ERIE agent can guide you in deciding when to choose whole life instead of term and how much to purchase.

50s and up: At this stage of life, you may have entered the “sandwich generation” meaning you might care for elderly parents while financially supporting college students or young-adult children. Inadequate protection could put both groups of family members at risk. At the same time, retirement savings might not stretch as far as expected after factoring in taxes, inflation and less-than-stellar investment returns. With a whole life policy you can borrow against your policy cash value as well as use it to supplement your income during your retirement years. Talk to an Erie Insurance agent about how whole life fits into your overall financial plan.

No better time than now
Learn more about the life coverage that fits best with your life by talking with a professional, like an Erie Insurance agent. Together you can find the policy that provides peace of mind and the perfect protection for you, and your family.

*The guaranteed death benefit can expire if no premiums are paid following initial premium, or if subsequent premiums are insufficient or if account value is reduced by withdrawal or loan.

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J.D. Power Auto Claims

Blog by Erie Insurance

When you experience an unlucky break… that’s where we shine.

As an Erie Insurance provider, we’re excited to share that Erie earned a top spot in the J.D. Power Auto Claims Study!

At Erie Insurance, we’re here to make your day brighter with award-winning auto claims service that makes you feel supported and cared for.

We’re honored to share the news that for the first time, Erie Insurance has been awarded first place in the 2018 U.S. Auto Claims Satisfaction StudySM by J.D. Power. The study focuses on personal auto insurance customer satisfaction among drivers who receive a physical damage or total loss claims settlement.

ERIE’s overall satisfaction score rose by ten points – now 30 points above the industry average – taking the company up from third place in 2017.

Let’s be honest: No one really looks forward to filing an auto insurance claim. But helping you through it is the heart of our business. At ERIE, we’re here to give you prompt, personalized attention that helps you quickly get back to your normal routine.

“Being there when our customers need us the most and following our motto to be ‘Above all in Service’ is what helps us continue to grow and earn our reputation for quality insurance and superior claims service,” said Tim NeCastro, president and CEO of Erie Insurance. “We’re honored to receive this distinction.”

The 2018 U.S. Auto Claims Satisfaction Study is based on responses from more than 10,000 auto insurance customers who settled a claim within the past six months prior to the survey. The study excludes claimants whose vehicle incurred only glass/windshield damage or was stolen, or who only filed a roadside assistance claim.

Your claim is how we start making things right for you, resetting the damage and distress of an unexpected loss. We’re on it – so you can relax, rebound and get back to your life.

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Achieve Your Goals

Blog by Erie Insurance


There’s nothing quite like the feeling of accomplishment you get from achieving a goal.

Your goals in life are important to us. Whether you’re training for a 5K, renovating your home, starting a family or changing direction in life… looking to the future means making a plan and having encouragement along the way.

When it comes to your financial goals, our local agents are here to help with insurance coverage that protects what you’ve worked so hard to build. By getting to know you, your local ERIE agent can make sure you have coverage that fits your life and budget.


If you’re looking for motivation to get off the couch, running a 5K is a great fitness goal to work toward. Don’t be intimidated by the number. At a distance of just over three miles, a good training program can have you crossing the finish line of your first 5K in just a few months.


There are plenty of benefits to running for exercise. It’s been proven to improve both your physical and mental health. And because you can run nearly anywhere, it’s an activity that’s accessible to anyone.

But you should first talk to your doctor to see if you’re healthy enough to start training. Once you’re cleared to begin, it’s time to set your goal and get to work!


The biggest rookie mistake many aspiring runners make is trying to do too much, too fast. This can lead to an injury, which will set you back from achieving your goal. So don’t overdo it during your first few workouts. Instead, follow a 5K training plan.

Most programs give you about 8-12 weeks of training leading up to the race, which helps you steadily build stamina. You can start with an online training plan, like this series of 5K training programs from Runners World. Some are more aggressive than others, so be sure to choose one that’s a good fit for your level of fitness and running experience.

Once you pick a plan, your training will include a combination of walking, running and rest. Here’s a look at what you can expect:

  • Walking: Most programs recommend that you run and walk in the same workout. For the first few weeks, you’ll walk more than you run. But as time goes on, you’ll get stronger and start walking less.
  • Running: If you’ve never exercised much, this will be the most intimidating part of the program. The important thing to remember is you should run at a pace that’s comfortable for you, even if it’s a casual jog. Remember, the ultimate goal of your 5K is to cover the distance — not to set a record-breaking time.
  • Rest: When you’re training, putting your feet up can be just as important working out. Giving your muscles time to recover will build your strength and help prevent injuries. Training programs often have rest days built in, so you’ll have something to look forward to after a hard day of running.


Any time you start a new workout program, it’s important to listen to your body. Factors like uneven terrain, bad form and overtraining can all cause running injuries. Wearing the wrong type of running shoes can cause injuries, too.

Follow your trainer or doctor’s advice to treat any specific conditions you’re experiencing. For general information, the Cleveland Clinic offers these tips to prevent running injuries.

If you experience any of these symptoms, it’s time to rest, check your gear or see a doctor:

  • Joint pain: Pounding your feet on the pavement can do a number on your joints, particularly your knees and ankles. Arthritis and other chronic pain can also get inflamed with exercise. Be sure that you are icing and getting proper rest if you start to experience joint pain.
  • Persistent pain: It’s normal to experience some soreness after you start training. But if the pain doesn’t decrease after rest or begins as soon as you train again, there could be something wrong.  If you have lasting discomfort or need pain medications to train, contact a doctor.
  • Heart issues: Running is great for your cardiovascular health. But if you’re at risk, know how to spot the signs of serious trouble like a heart attack. If you experience chest pain or shortness of breath, put the workout on pause and get medical help right away.

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How To Prevent Frozen Pipes

Blog by Erie Insurance

Frigid winter temperatures can cause pipes to freeze – or even burst. Do you know how to tell if pipes are frozen? We’ve pulled together tips to help prevent frozen pipes and a list of suggestions for you to follow if they do freeze.

Pro tip: Know ahead of time how your homeowners insurance can kick in to help repair damage from a frozen and burst water pipe. Not sure if you’re covered? Talk to a local ERIE agent to find out.


One of the earliest signs of a frozen pipe is when no water comes out of your faucet when you turn it on. If you notice that, head first to the basement and check to see that the water is still turned on and that you don’t have a leak. Once you’ve confirmed these two things, continue your inspection to make sure one of your pipes has not burst.

If your search reveals that your pipes are frozen but none have ruptured, you have two choices:

  • Call a plumber to help thaw your frozen pipes. This is a good idea if you don’t think you can safely thaw the pipes yourself, you don’t know where the frozen pipes are or you can’t access the frozen area.
  • Attempt to thaw the frozen pipes yourself. Be aware this option can be dangerous if not done correctly.

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Join our team!

We’re searching for an Office Manager/Customer Service person to join our multi-county general lines insurance agency in Monticello Indiana. Position would manage and service accounts originating in the Monticello, IN region (White County and adjacent).

– Current Indiana property and casualty insurance license
– Office administration experience
– Willingness to develop new business cross selling existing accounts.
– NO non-compete agreement with current employer.

Successful candidate should be self-motivated, organized, have basic computer skills, and desire to develop a rewarding career.

Please contact the office to apply or for more information.

Home-Based Business Office

Blog by Erie Insurance

Home-based businesses are on the rise. According to research done by IncFile, a small business start-up firm based out of Houston, Texas, it’s estimated that there are 38 million home-based businesses that generate $427 billion a year in the United States. Of those businesses, 20 percent of them bring in $100-500k per year. Big or small, home-based businesses all share one common challenge: Setting up a space to get work done.

Not sure where to start? Then read on to get some tips to set up your home-based business office.


  • Set a budget and stick to it. Chances are you don’t have an abundance of funds if you’re just starting out. That’s why it’s important to create a budget and commit to it. Thrift stores, clearance aisles and yard sales are all great ways to score good buys if you’re on a tight budget.
  • Think through technology. Do you need a new phone line? Consider a VoIP (Voice over Internet Protocol), which allows you to make voice calls over a broadband connection. You might need a faster internet connection to support it.
  • Keep your receipts and bills. Many items that you purchase and a percentage of your utility bills (including that high-speed internet) for your home-based office might be eligible to deduct from your taxes.
  • Think about the equipment you really need. If you’re going to use a piece of equipment on a daily basis, buy it. For equipment you use less often, a trip to a copier or office supplies store may be more economical.
  • Stock up on supplies. Whether it’s paper, pens, printer ink or boxes, make sure to have plenty of supplies on hand. Constantly having to buy one thing at a time cuts into your productivity — plus, you can usually pay less if you buy in bulk.
  • Invest in ergonomics. A properly set up work station helps lessen muscle fatigue, increases productivity and reduces the risk of work-related injuries (like carpel tunnel syndrome, tendinitis, or other muscle strains).

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Prevent Kitchen Fires

Blog by Erie Insurance

There’s no doubt that some of the best holiday indulgences (turkey! cookies! cake!) come out of an oven, not a gift-wrapped box. But along with the many good things that originate in the kitchen throughout the holiday season, there’s something else that’s all-too-common: fires.

The kitchen is the most common origin for home fires and fire injuries, according to the National Fire Protection Association. Cooking is the leading cause. Burns are the third most likely cause of fatal home injuries, too, according to the Home Safety Council. (For kids, they’re the most likely cause of fatalities).

And now, for the kicker: November and (especially) December are two of the most common months for home fires to occur. But don’t throw in your spatula just yet.

“The good news is that you can prevent fires and injuries by taking simple precautions,” says Lorraine Carli, vice president of Public Affairs for the National Fire Protection Association. “Start by being aware of the risks.”
This holiday season, follow these no-nonsense tips for keeping you, your family, and your home safe.


Keep the kids away. Consider cordoning off the stove area with colored tape to teach little ones to steer clear of this danger zone.

Suit up. Roll up your sleeves and slip on long mitts. Loose clothing can catch fire while bare hands and arms are easily burned or scalded. Also, make sure to wear mitts when removing food from a microwave — things have a way of heating up more than you think.

Organize your stove top. Use the back burners and angle pot and pan handles toward the back of the range.This greatly reduces the chance of accidents that could lead to injury.

Put hot foods in their place. Position hot foods as far away from counter edges as possible. Anywhere else makes it easy for kids to topple dishes.

Skip the fancy linens. If you have young children, ditch the tablecloths and placemats. It only takes one tug to spill hot liquids and foods.

Set a (temperature) limit. Cap your tap water temperature at 120 degrees. “Faucet water that is too hot is a very overlooked source of scalds,” says Shannon McDaniel, spokesperson for the Home Safety Council. “It’s best to turn your hot water heater down to 120 degrees. If your don’t have direct access to your hot water heater or don’t feel comfortable handling yourself, call your gas or electric company.”

Know what to do in case of an accident. Treat burns and scalds immediately. “Even a little bit of heat continues to burn the skin for 24 to 48 hours if it’s not properly treated,” says McDaniel. To cool a burn or a scald, run the affected area under cold water for at least three minutes. Don’t put any ice or lotion on the injury, and always call 911 if your condition is severe.

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Thanksgiving Travel Guide

Blog by Erie Insurance

Thanksgiving is one of the busiest holidays for road trips. Whether you’re driving over the river or through the woods this holiday season, here’s what to know to safely (and sanely) arrive at your destination.


Get your car in gear. Now is the time to make sure you’re on schedule with oil changes, wheel alignments and any other services your car manufacturer recommends. Also, make sure your tires are properly inflated — cooler weather can make the pressure drop more than usual.

Master the art of not getting lost. Have all your addresses handy, and consider inputting them into your GPS before you set off. If you plan on using Internet-based map services like Google Maps, make sure to save the maps to your device — you never know when you’ll enter an area without service.
Related: Is your high-mileage car on track with this maintenance schedule?

Bring backup chargers — and lots of them. Things can quickly go south when devices run out of power. Bring extra chargers — or, even better, invest in a multiple-port car charger.

Stock your emergency kit. To quote your mom, safety first. Even if you’re only traveling to the next town, it’s essential to have a fully stocked emergency kit, just in case.

Prepare for, “Are we there yet!?” Road trips with kids can create lasting family memories… but also test a parent’s patience. If you’re traveling with kiddos, make your trip more engaging with these 4 brilliant ways to keep kids occupied on road trips.

Don’t forget your furry friends! Traveling with Fluffy or Rover? Then make sure you have a safe pet harness and/or pet carrier and a pet kit full of food, bottled water, toys and any necessary medications.


Picture this: You get a flat tire… but there’s still 200 miles to go before you’re home for the holidays. Do you know who to call for help?

A flat tire, lockout or a dead battery is a major hassle anytime, but especially during holiday travel. Fortunately, ERIE offers 24/7 Roadside Assistance that pays for reasonable auto towing and required labor costs at the site of your vehicle breakdown. (Yes… even at 2 a.m. on Black Friday.)

Emergency Road Service* is an optional add-on to your auto insurance policy that’s available with the purchase of comprehensive coverage.

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Craft the Right Protection

6 coverages every brewery, winery and distillery needs.

Professional brewer, vintner or distiller work hard to establish a business that produces a quality product. That’s why it’s so important to have the right insurance protection. This month’s blog features our client People’s Brewing Company, a local brewing company that has made its mark on Lafayette.

People’s Brewing Company – Lafayette, IN

The heart of People’s Brewing Company’s production facility is a 20 barrel brewhouse, designed and built by AAA Metal Fabrications. They have a three vessel system with a Mash and Lauter Tun combo, Kettle, and Whirlpool. Production started on Thanksgiving Day in 2009 with four 40 barrel fermentors and one 40 barrel brite tank. In 2011, two 50 barrel fermentors were added and bottling Farmer’s Daughter Wheat Ale, People’s Pilsner, Moundbuilder IPA and Mr. Brown Imperial Ale begun. In 2013, a 5000 sq ft addition to the production space was added, allowing for increased fermentation, finishing, and warehousing. Four 80 barrel fermentors and one 80 barrel brite tank were added at that time and also the ablility to start canning several beers. People’s dedicated brewery team works hard to produce fresh local beer for our community and beyond. Make sure to stop by and visit brewery for yourself. Learn more about People’s here.

ERIE Custom Collection® Breweries, Wineries and Distilleries Program.

At Deiwert Insurance, we offer the ERIE Custom Collection® Breweries, Wineries and Distilleries Program. This program offers 6 critical coverages and services:

1) Coverage through the package policy for common risks related to property, lost business income, liability, equipment breakdown and more.

2) Industry-specific protection for brewers, vintners and distillers if equipment suffers a mechanical or electrical breakdown, resulting in a covered claim or there’s a problem that occurs during the bottling process that requires product withdraw. There are options to customize coverage to meet specific and unique business needs.

3) A full suite of separate policy options such as workers’ compensation1, commercial auto and business life solutions.

4) Access to risk control tools and services to help you manage your business’s risks.

5) Local claims adjusters who stand behind ERIE’s promise of service.

6) A local, independent agent you can rely on from quote time to claim time and every time in between.

As a fellow business owner in the community, we know how important the right coverage at the right price really is. Contact us today to learn more and to get a free, no-obligation quote.

Welcome to the Blog!

Welcome to the Deiwert Insurance Blog!

Stay tuned for some great tips, resources and much more!