Wise Counsel

Why Millennials Can't Afford to Miss Out on Life Insurance

Written by Tyler Small
February 16, 2018

When respondents in the insurance survey were asked how much a $250,000 term life policy for a healthy 30-year-old would cost each year, the median estimate was $500, over three times the actual cost of $160. Millennials in the study, ages 18 to 36, guessed an even higher amount: 44% pegged the cost at $1,000 or more a year, compared with 29% of older respondents, the insurance study said.

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The Top 7 Things That Affect Your Home Insurance Premium

Written by Tyler Small
January 17, 2018

No one wants to pay more for Home Insurance than they have to, especially in a state like Florida where homeowners insurance has a few unique things to consider.

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What Factors Affect Your Life Insurance Premiums

Written by Tyler Small
October 26, 2017

What affects your life insurance premiums? These factors all contribute to how much of a risk you are to insurance companies and therefore, how high your premium may be.

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Irma Insurance Villages (Lee & Collier)

Written by Brian Culbertson
September 19, 2017

There will be two Insurance Villages this week, which will include MOST of our carriers. An insurance village, is simply a group of insurance companies, bringing in their mobile response teams in one place a village to answer questions, open claims, etc

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Be Careful of This Clause If You Have to File a Homeowners Insurance Claim

Written by Tyler Small
September 19, 2017

Dishonest contractors pressure unsuspecting homeowners into signing contracts that include these Assignment of Benefits (AOB) clauses. What you want to look for are phrases like, "I transfer and assign any and all insurance rights, benefits and causes of action under my property insurance policy to the contractor" or something along those lines.

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Agency News

Ft Myers Insurance Agent Wins Coveted “40 Under 40” Award

Written by Brian Culbertson
October 11, 2011

For the past nine years, Gulfshore Business magazine has acknowledged 40 individuals under 40 years old who have distinguished themselves in their professions, and within the Southwest Florida community. A local Ft Myers Insurance agent at the Culbertson Agency, Brian Culbertson, recently won the coveted 2011 “40 Under 40” Award.

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Fort Myers Insurance Company Celebrates One Year Anniversary

Written by Brian Culbertson
September 02, 2011

One year ago, a young entrepreneur opened an Allstate Insurance franchise without a single customer and no policies or accounts. Yet he had one golden rule in mind:
Treat others the way you’d like to be treated. This became the foundation of his business along with the intention of providing a high level of service to his customers. One year later, Brian Culbertson and his staff of dedicated Fort Myers insurance agents, are enjoying the fruits of their labor as they celebrate their one year anniversary.

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Insurance Agent Debuts Free eBook to Help Homeowners Save on FL Home Insurance

Written by Brian Culbertson
July 13, 2011

Brian Culbertson, an insurance agent based in Fort Myers, recently debuted a new eBook entitled “9 Ways to Save Money on Your Home Insurance”. The eBook provides useful tips and information about opportunities to save money on homeowners insurance premiums, as well as discounts that may be available to Florida homeowners.

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Florida Territory Insurance Agency of the Year

Written by Brian Culbertson
February 18, 2011

Congratulations to the Culbertson Agency team of Fort Myers, FL for winning the Florida territory, 2010 rookie agency of year.

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Kristen Cain joins the Culbertson Agency

Written by Brian Culbertson
September 19, 2010

Kristen Cain of Estero, FL has recently joined the Culbertson Agency of Fort Myers as an Account Manager. Kristen has a bacherlors degree from Indiana University and is a Florida 440 licensed customer service insurance representative.

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Good Tidings

2017's Top 10 Dangerous Toys

Written by Tyler Small
December 14, 2017

This is one of those things that crops up every year around Christmas because it's the time of year when toy-buying is highest. I can remember being a kid playing on the living room floor with a jump rope and I remember wrapping it around my neck to play like I was wearing it as a kind of necklace when my mom suddenly urged me to take it off because I could strangle myself. This was in the eighties just before the time of the Cabbage Patch Kid doll that would eat little-girls' hair.

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Candyman: The Story Behind the Halloween Urban Legend

Written by Tyler Small
October 31, 2017

Are your kids at risk to receive razor blades in their apples on Halloween? How one man perpetuated an urban legend that continues to this day and how it relates to insurance.

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Fort Myers Family Staycation Itinerary for Under $2,500

Written by Tyler Small
March 21, 2017

The Culbertson Insurance Agency of Fort Myers likes to give back to the community by raising awareness of the wonderful place that we live in and the many recreational and vacation amenities that we take for granted here. We've put together a sample one-week vacation that you can have for a couple up to a family of 5 for less than $2,500.

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Best Things to do in Naples on a Staycation

Written by Tyler Small
March 09, 2017

We've got beaches, golf courses, and resort hotels! Given the large number of retirees and snowbirds that call Southwest Florida their home for half the year, a staycation in the Naples area makes a lot of sense. Naples is a great option for having a staycation given the myriad of things to see, eat, and do in the area.

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Best Things to do in Cape Coral on Staycation

Written by Tyler Small
February 24, 2017

The Culbertson Agency has put together a list of the best things to do in Cape Coral on a staycation. Whether it's boating, fishing, kayaking, or camping, Cape Coral has many opportunities for fun and recreation.

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