July, 2025 | Boizelle Insurance Partnership - Page 2
How To Prevent Your Car From Overheating
Preventing your car from overheating is important to preserve its longevity and performance. Equally important is keep the interior of your car cool, so that you’re protected from burns and overall discomfort while behind the wheel.
Protecting Your Car from Overheating
- Check Coolant Levels Regularly
- Make sure the coolant reservoir is full.
- Replace old coolant based on your owner’s manual (usually every 2–5 years).
- Check for leaks in hoses, the radiator, or the water pump.
- Inspect the Radiator and Hoses
- Look for cracks, bulges, or leaks.
- Make sure the radiator fan is working properly.
- Monitor the Temperature Gauge
- If the needle creeps into the red zone, turn off the A/C and turn on the heat to help draw heat away from the engine.
- Service the Thermostat
- A malfunctioning thermostat can trap heat in the engine. Replace it if needed.
- Change the Engine Oil Regularly
- Old or low oil can lead to overheating. Use the correct viscosity for summer conditions.
- Keep the Engine Bay Clean
- Dirt and debris can reduce cooling efficiency. Carefully clean your engine bay from time to time.
- Park in Shade or Use a Car Cover
- Reduces ambient temperature and stress on the cooling system when you start driving.
- Use a Sun Shade Under the Hood (Optional)
- Some performance drivers use reflective insulation under the hood to reduce heat soak.
Keeping the Interior Cool
- Use a Windshield Sunshade
- Reflects sunlight and keeps the dashboard from becoming a heat trap.
- Tint Your Windows (Legally)
- High-quality window tint can block UV rays and reduce heat buildup.
- Use a Dash Cover or Seat Covers
- Protects surfaces from sun damage and keeps them cooler to the touch.
- Crack the Windows or Use Vent Visors
- Allows heat to escape without letting rain in or compromising security too much.
- Install a Solar-Powered Fan
- These help circulate air while the car is parked.
- Use a Steering Wheel Cover
- Prevents you from burning your hands when you return to your car.
- Park Smart
- Whenever possible, park in a garage or shaded area. If you can’t find shade, try to park with the rear facing the sun to keep the steering wheel and front seats cooler.
- Remote Start (if equipped)
- Many newer cars let you start the A/C remotely before you get in.
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Why Should I Have A a Whole Life Insurance Policy?
Whole life insurance policies offer several benefits, especially when compared to term life insurance. Here are the key advantages:
- Lifelong Coverage
- Benefit: As long as premiums are paid, the policy remains in force for your entire life.
- Why it matters: Provides peace of mind knowing your beneficiaries will receive a death benefit no matter when you die.
- Guaranteed Death Benefit
- Benefit: The payout is fixed and guaranteed.
- Why it matters: Offers financial security to loved ones and can help cover estate taxes, final expenses, or income replacement.
- Cash Value Accumulation
- Benefit: Part of your premium goes into a savings component that grows tax-deferred over time.
- Why it matters: You can borrow against this cash value or withdraw funds for emergencies, retirement, or other needs.
- Level Premiums
- Benefit: Premiums remain the same throughout the life of the policy.
- Why it matters: Easier for budgeting compared to policies where premiums may increase with age or health changes.
- Dividends (for participating policies)
- Benefit: Some whole life policies pay dividends (usually from mutual insurance companies).
- Why it matters: Dividends can be used to reduce premiums, buy additional coverage, or be taken as cash (though they are not guaranteed).
- Tax Advantages
- Benefit: Cash value grows tax-deferred; policy loans are generally not taxed.
- Why it matters: Offers a way to accumulate wealth without immediate tax impact, if managed properly.
- Estate Planning Tool
- Benefit: Death benefits can be used to pay estate taxes or passed to heirs tax-free (if structured properly).
- Why it matters: Helps preserve family wealth and ensures assets aren’t depleted to cover final expenses.
When Whole Life Insurance Might Make Sense:
- You want permanent coverage.
- You’re interested in using it as part of a wealth-building or estate plan.
- You’re in a high tax bracket and value the tax-advantaged growth.
- You want to leave a legacy or create liquidity for your heirs.
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