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Welcome to Insurance Talk. We are located in beautiful Central Oregon in La Pine on a nice, smoky, beautiful October day. I am Cheri Martinen from Bancorp Insurance, and today I have a very special guest. I have Dara Smith and Dara is from Regence Blue Cross Blue Shield. And she is talking to us today about Medicare, which is exciting because Open Enrollment is right now.

Thank you for joining Insurance Talk with Cheri Martinen. Today I have a very special guest coming to us all the way from Bend, Oregon. Emily Carrick from PacificSource Medicare is in our studio today. I'm super excited to have her here because Open Enrollment, or Annual Election Period, is right around the corner. And I want to make sure everyone in Central Oregon, Northern Klamath County, and Northern Lake County knows everything about all the plans that are available. One of our favorite partners, because Emily is just wonderful and that's why she's one of our favorites, is PacificSource. Emily, welcome to the show and I'm so happy to have you here again. Thank you for joining us.

One of our topics today is that the economy's tough right now. A lot of people are out of work and we just want to give a couple of tips about how to save some money on their auto insurance to make this time a little less stressful. We're not going to make it non-stressful, that's not something I can do or we can do in total. But I think there are a couple of things that they could do to reduce their premium a little bit.

This is a pretty timely topic. We talked about how we can save money with your personal insurance on a previous podcast. Now, we're going to talk about how your business can save money on its insurance costs during this time when things are tough.

Welcome to Insurance Talk with Cheri Martinen and Rex Lesueur, we’re the father-daughter team from beautiful Bancorp Insurance in Central Oregon. And today we're coming to you from a smoky town. Our beautiful state of Oregon has been on fire now for most of the week. And we're here to talk to you about what that means for you, especially if you may be affected by the fires.

Today we're talking about Medicare and health insurance. We've done a couple of podcasts on how you can save money in a down economy for your personal lines. We've talked about how you could save money for your commercial lines. And today I want to talk about how you can save money for your health insurance or things that you might need to think about for your health insurance coming up right now.

Drones and the equipment you put on them. Where can you buy insurance to protect your investment? Drones operators you may be liable for  intruding on your neighbors privacy.....does your homeowners insurance cover your liability exposure? Listen to Cheri Martinen and Rex Lesueur podcast to find out.

You're listening to Insurance Talk with Cheri Martinen and Rex Lesueur from Bancorp Insurance located in beautiful downtown La Pine, Oregon. We are coming to you with some fun insurance facts today, ripped from the headlines. We've been getting a lot of calls about how our customers are covered for riots and civil commotion. And what is that terrorism form that I've declined year after year? And does that mean I'm not covered for riots and civil commotion?

Welcome to Insurance Talk with Cheri Martinen, Rex Lesueur, and our special guest Ed Martinen, who is a professional in human resources, or PHR. Today we are talking about that fun subject again, COVID-19.

Today we’re talking about a subject that's been overly talked about for the last 60 days: COVID-19. We did a blog on this right when it came out, but we didn't put it into the verbal platform and so we thought we'd just recap what we came out with right at the beginning versus what we have now and where we think we're going in the future.

I have two topics I want to discuss today. The first one is the importance of insuring your toys and your recreational vehicles. Toys can be anything from boats, travel trailers, snowmobiles, motorized scooters, dirt bikes, ATVs, all that fun stuff.

Should I purchase the insurance offered by the car rental agency? It's a big question, we get it all the time, and the answer is you don't have to, but we normally recommend it. This is one of our most frequently asked questions and it gets a little tricky.

Today we're here to talk about one of our specialties. And that specialty is insuring wildland firefighters. And that's very specific. We're not talking about the firefighters that you think of on the big red truck. We're thinking about the firefighters that are in the forest. The wildland.

Let us tell you about the Oregon Birthday Rule. This applies to folks that have Medicare supplement or Medigap plans. In the state of Oregon, Medicare beneficiaries have a yearly opportunity to compare Medicare supplement prices and switch companies. They must keep the same plan type or choose one with lesser benefits.

We are here to help you with all of your insurance needs but today we are talking about life insurance. Last week we talked about term insurance, how much life insurance you might need, and then we talked about the bell curve of how much you need throughout your life.

You are listening to Insurance Talk with Cheri Martinen and Rex Lesueur from beautiful Central Oregon. We are from Bancorp Insurance. We’re the father-daughter team who sells insurance to all of Central Oregon and fourteen other states if you can believe it or not, but today we are here to talk about life insurance.

You are listening to Insurance Talk with Cheri Martinen and Rex Lesueur. We’re  the father-daughter team out of Bancorp Insurance. Bancorp Insurance is a locally owned, family-run insurance agency out of Central Oregon. We're here in beautiful downtown La Pine recording our wonderful podcast today. It's actually kind of timely, because we're talking about auto insurance, and specifically commercial lines auto insurance or if you have an auto that you use for your business.

The COVID-19 pandemic has resulted in lost jobs, lost income and lost health insurance for people in a variety of industries from entertainment to restaurant staff and a variety of other small businesses. We recorded this podcast before the thought of Coronavirus ever entered our minds and in recent weeks it has become important for many individuals in our communities. Listen to our podcast on health insurance Special Enrollment Periods or read the transcript below to learn about if you qualify for health insurance SEPs.

Today we have a really fun topic. It's something that we use ourselves and I think it's getting more and more popular — e-bikes and personal mobility devices. 

Normally I have Rex Lesueur on, but today I have Tammy Lesueur, my mom, and we talked about in a previous episode how she is the wizard behind the curtain, like the Wizard of Oz, who helps our business grow using marketing. And she's with us today to share her marketing guru secrets with all the small business owners or entrepreneurs that might be looking to grow.