Colt’s Commentary – March 2024

Hey there,

Spring is finally here which means, for some of you humans out there, it is time for spring cleaning. 

Many people choose to do some spring cleaning, in fact, a survey published by the American Cleaning Institute ACI showed that 80% of Americans Spring Clean every year. This is more than a 10% increase from 2021! 

All this talk about spring cleaning got me thinking about insurance and I am here to share some Springtime Insurance Considerations:

  • Spring cleaning is a great opportunity to take inventory of your belongings. Documenting valuable items is important and could be very useful in the unfortunate event of theft, fire, or other catastrophes.
  • Spring Break travel may take you out of the country. Review your health insurance to see if you are covered. We offer travel insurance that is reasonably priced that offers coverage outside the US.
  • Spring is a good time to check your house for maintenance tasks.  Clean out those gutters; caulk around your windows and doors; trim trees that are hanging close to your house or garage or that are in danger of falling in a storm.
  • If you didn’t change your smoke detector batteries when the time changed, make sure you do that now.
  • Review your policies. It’s a good idea to review your insurance (all kinds) once a year, if not sooner.  If you haven’t done so, Spring is a good time.  Read the explanation of benefits and declarations pages. Make sure your personal information is correct. Are the drivers and vehicles on your auto insurance policy correct? Has your home been updated?  Do you have a new mortgage company, or have paid off your mortgage? Did your driving habits change?  Make sure your coverage is up-to-date and protects you and your assets against potential risks.

Now, let’s hope we get some Spring weather! 



McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –

Colt’s Commentary February 2024 – Leap Day Birthday

Hey there and Happy Valentine’s Day!

Did you know that 2024 is a leap year? That only happens once every 4 years! What
about the people who are born on February 29? They only have a birthday every 4

What is your legal birthday if you were born on February 29? Well, you were born the
60th day of the year, so in years when there is no February 29, your birthday would be
March 1.

You might ask “how does that work in 2025 when I turn 65? My date of birth was
2/29/1960 and 2025 is not a Leap Year. When do I get Medicare?”

Usually, your effective date for Medicare Part A and Part B is the first day of the month
in which you turn 65. (there are other circumstances to have an earlier or later effective

You might think that means your Medicare Part A and Part B would be effective March
1, 2025 since that is the first day of the month in which you turn 65 because 2025 is not
a Leap Year, and March 1 is the 60th day of the year.

False! When someone’s birthday is the first day of the month, their Medicare effective
date is the first day of the previous month. This means your Medicare Part A and Part B
would be effective February 1, 2025.

As you get closer to turning 65 or preparing to retire, make sure to consult with a
licensed insurance agent who is certified to work with Medicare products, so they can
answer your questions and help you find the plan(s) that best suit your needs. I think I
might know a couple of ladies that can help (Maureen & Shannon).

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –

Charlie’s Chuckles – January 2024


Man, I haven’t heard a joke that funny since last year! Ha Ha Ha!

I know the new year started almost a month ago, but since this is my first joke of the year, I thought it was fitting to share a New Year’s joke!

This year is going to be pawsome!

~Charlie 🙂

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –

Colt’s Commentary January 2024 – New Year New You

Hey there,

Have you wondered how popular New Year’s resolutions are?

In the US, 37% humans made at least one in 2023. We haven’t gotten a chance to poll the dogs yet, but it’s likely that getting more treats was high on the list.

Of those people, 87% said they were likely to keep their resolution, but don’t be discouraged if you aren’t one of them.

Failing at New Year’s Resolutions is common. January 17 is unofficially titled “Ditch New Year’s Resolutions Day” and the 2nd Friday of January is “Quitter’s Day”.

According to a Forbes Health/One Poll survey, the average resolution lasts less than 4 months. June 1 is unofficially known as “New Year’s Resolution Recommitment Day”

Good News is that you don’t need an official holiday to make positive lifestyle changes, and any steps forward are to be celebrated!


McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –

Copper’s Corner – January 2024

Happy New Year!

What a perfect day to start the year off right with a great quote!

I chose this one because I think it’s important to start the year off with some positive thinking!

Every day is the best day for me because I get lots of pets and snuggles!


McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –

Colt’s Commentary – December 2023

Ho Ho Ho!

Christmas will be here in just a few days and I’m sure you have all got some delicious dinners planned, but in Japan, KFC is the place to be for Christmas!

It all started in the 1970s when KFC launched an advertisement for a “Kentucky for Christmas” meal and even though Christmas is not a national holiday in Japan, the advertising campaign was very successful. Now each year around Christmas time, families all over Japan get together for a bucket of chicken!

If you ask me, that sounds like a great holiday feast!

  • Bonus fun fact: We know someone who was in a KFC commercial back in 1985!

Merry Christmas & Happy Holidays!

– Colt 🎅🎄

McGovern Agency ~ For all your Insurance Needs!
(586) 464-2400 –