Willis Giaconia Life, LLC
The Rutgers University Alumni Association has partnered with Willis Giaconia Life, LLC to offer alumni Life and Disability coverage. For more information please call 1-800-343-5433.
Liberty Mutual Insurance Programs
As a Rutgers graduate you can get a special discounted rate on Auto, Home, Condo and Renter’s Insurance from a trusted Fortune 100 company. Find out more about Liberty Mutual Auto & Home Insurance at www.libertymutual.com/rutgers or call 888-778-6005 and mention client #5154. Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
A message from Liberty Mutual Insurance
From Dennis Goebel, Vice President, Liberty Mutual Insurance Company
Choosing the Best Home Security System
By Tim Brugger
The right home security system provides peace of mind, protects your property, and increases your personal safety. Some systems sound an alarm to alert you of a problem, while others communicate with a company that can contact local police and fire departments. But which type is best for you? The following factors will help you decide:
•The right features. Every home should have basic smoke and carbon monoxide detectors that are properly tested and in good working order. Burglar alarms can be a bit more complicated, but you can still buy your own motion detector from your local hardware store, or shop online at specialty outlets for more sophisticated alarms.
•The right price. Do-it-yourself security systems can range from $10 to several hundred dollars. Professionally monitored systems, however, come with a monthly fee in addition to the initial price tag. Costs for these systems vary: You can find inexpensive alarm components and pay $50 or less for a monthly monitoring contract. Conversely, high-end systems can cost several thousand dollars, not including the monthly fees. Each fire or carbon monoxide detector usually costs an additional $150 to $225.
•The right company. If you have a professional company install your security system, remember to ask if its employees are trained by a certification company, like ESA’s National Training School. You should also check consumer claims and the company’s work history through organizations like the Better Business Bureau.
•The right time. Once you’ve made your decision, book an installation appointment. Make sure the whole family is present when the company representative explains the system—everyone should learn how it works.
To learn more about Liberty Mutual Auto and Home Insurance or get a free, no-obligation quote, call 888-778-6005 or visit libertymutual.com/rutgers.
Coverage underwritten and provided by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA 02116. Reprinted with permission from Liberty Mutual. ©2014 Liberty Mutual Insurance
Long Term Care Resources
The Rutgers University Alumni Association (RUAA) now offers long term care insurance. Take advantage of special discounts, multiple carriers, and multiple products. Long Term Care Insurance can cover the costs associated with Home Health Care, Adult Day Care and Care in a facility (Assisted Living or Nursing Home) if you or your spouse require these services as a result of aging. Unfortunately, LTC insurance is not just something you can buy when you need it; your health allows you to buy this coverage. The longer a person waits to apply the greater their chances of being declined so visit www.myltcplan.com/rutgers or call 800-616-8759 to obtain more information and start a quote today.