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Insurance Talk

Insurance Talk

By Cheri Martinen
Rex Lesueur and Cheri Martinen give you straight forward answers to your insurance questions.
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Regence Blue Cross Blue Shield Medicare Products

Insurance Talk

Regence Blue Cross Blue Shield Medicare Products

Insurance Talk

Insurance Rants & Raves - Rex's Story
Rex Lesueur shares his recent personal experience with an auto accident and the body shop, a scenario which could happen to anyone.  Listen to the claim process from an industry professional firsthand.
February 11, 2022
Why are Home and Auto Insurance Rates Going up in 2022?
The world is constantly changing and it's possible your home and auto insurance rates could be affected in 2022.
February 11, 2022
Are Commercial Insurance Rates Rising in 2022?
The world is constantly changing. This update should help you make better decisions in the year 2022 or help you be ready for changes coming up in insurance that might affect you.
February 11, 2022
HC Verbiage
Verbiage for video
October 20, 2021
Insurance Talk- Contractor Liability Bid Cost
Preparing a bid as a contractor is no easy task.  A competitive and winning bid proposal requires extreme attention to detail.   In this podcast, Cheri and Rex discuss something all to common with insurance and bidding, which is not having the correct coverage to meet the requirements of a winning bid proposal.   Learn how the agents at Bancorp Insurance can assist you as a valuable client, to ensure that you have the proper insurance to meet the requirements for your bids.
October 11, 2021
2022 PacificSource Medicare Advantage Plans
Cheri invites PacificSource to the studio to discuss their 2022 Medicare Advantage Plans including new $0 deductible, copay and dental benefits.  Listen to the two part podcast to learn all about benefits available. Then visit us at to learn more about how we can help you make an informed decision regarding your Medicare plans.
October 07, 2021
2022 Regence HMO Medicare Plan Highlights
Regence is an HMO/PPO/PDP plan with a Medicare contract.  For 2022 they are offering a $35 HMO plan with several $0 extras that many people seek in a Medicare plan.   Listen to the podcast to learn more about Regence options and then schedule an appointment with a Bancorp Insurance agency to review what plans are available and might be right for your budget and needs.  Schedule an appointment at:
October 05, 2021
Insurance Talk - Liability Claims Explained
Today, Cheri and Rex discuss the various types of liability claims and how you should respond in the event of an accident for personal or business use.
August 03, 2021
Insurance Talk - Volunteer Coverage
What do you have to be concerned with when volunteering or hiring volunteers?  Today, let's talk about a few scenarios and coverage in the event of an accident.  
July 26, 2021
Insurance Talk — COVID Special Enrollment for Health Insurance
Today, we are talking about something that we don't normally see, which is the COVID special enrollment for health insurance that's happening right now in Oregon. It started February 15th and it goes through May 15th. This is a once in a lifetime special enrollment, I don't think we're going to see this again.
April 12, 2021
Insurance Talk — Employment Practices Liability Insurance (EPLI)
You are listening to Insurance Talk with Cheri Martinen and Rex Lesueur. We’re the father-daughter team from Bancorp Insurance located in beautiful Central Oregon. Bancorp Insurance is a family-run, independent insurance agency. We specialize in helping our neighbors here in Central Oregon with their home and auto as well as companies and businesses throughout the Pacific Northwest. And we also like to help with Medicare and health insurance. But today we've got a special story about employee liability.
March 30, 2021
Insurance Talk — What is a Workers’ Comp Audit?
Welcome to Insurance Talk with Cheri Martinen and Rex Lesueur. We’re the father-daughter team from Bancorp Insurance. We are located in beautiful Central Oregon, and we're a family-run insurance agency here to help you with all of your burning insurance questions. And the burning insurance question today is what is a workers' comp audit and why do I have to do one? And why do I want one?
March 09, 2021
Insurance Talk — What’s Going On in the Insurance Business
Welcome to Insurance Talk with Cheri Martinen and Rex Lesueur. We are the father-daughter team from Bancorp Insurance located in beautiful Central Oregon. And we're starting off the year here in 2021 with a fun podcast for everyone to listen to. Learn about what's going on in the insurance business and how is it going to affect you as a consumer going forward through 2021.
February 22, 2021
Insurance Talk — Preventing Employment Practice Liability Claims
Today we have a special guest in the studio, Ed Martinen. And yes we're related, he’s my husband. We're so happy to have him here today. He's going to be talking about preventative measures that employers can take to hopefully not get claims.
November 13, 2020
Insurance Talk — 2021 Regence Blue Cross Blue Shield Medicare Plans
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.
November 06, 2020
Insurance Talk — Learn About PacificSource Medicare Benefits for 2021
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.
October 19, 2020
Insurance Talk — How to Save Money on Your Auto Insurance
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.
October 07, 2020
Insurance Talk — Saving Money on Business Insurance Costs
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.
September 25, 2020
Insurance Talk — Working on Your Fire Loss Insurance Claim
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.
September 16, 2020
Insurance Talk — Premium Tax Credits and COVID-19 Payments
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.
August 27, 2020
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.
July 30, 2020
Insurance Talk — Terrorism Risk Insurance Act and Commercial Property
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?
July 22, 2020
Insurance Talk — COVID-19 and Offices Reopening
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.
June 24, 2020
Insurance Talk — How Insurance is Responding to 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.
June 16, 2020
Insurance Talk — Insuring Your Toys and Recreational Vehicles
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.
June 01, 2020
Insurance Talk — Should I Purchase Insurance From the Car Rental Agency?
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.
May 14, 2020
Insurance Talk — Be Prepared with Wildland Fire Contractors Insurance
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.
May 01, 2020
Insurance Talk — What is the Medicare Birthday Rule?
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.
April 20, 2020
Insurance Talk — Understanding the Nuances of Life Insurance Part 2
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.
April 09, 2020
Insurance Talk — Understanding The Nuances of Life Insurance Part 1
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.
April 02, 2020
Insurance Talk — Commercial Auto Insurance For Your Business
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.
March 25, 2020
Insurance Talk — Health Insurance Special Enrollment Periods
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.
March 20, 2020
Insurance Talk — Insuring E-Bikes and Personal Mobility Devices
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. 
March 16, 2020
Insurance Talk — Digital Marketing Techniques for Small Businesses
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.
March 10, 2020
Insurance Talk — Paper Marketing Techniques for Small Businesses
Welcome to Insurance Talk with Cheri Martinen and today I have a very special guest with me, Tammy Lesueur. Tammy Lesueur is Rex Lesueur’s wife and she is definitely the pillar or probably the person that sits in the background of our business and makes amazing things happen, which is what we're talking about today. We're going to be talking about marketing and how my mom, over years of trial and error and really intense study, has taken our agency from a small mom-and-pop insurance agency to a larger small business that's serving a bigger population and really helping Oregonians. We are now also licensed in thirteen other states.
March 01, 2020
Insurance Talk - Travel Insurance
It's something that I think people are thinking about as the snow comes in getting out of Dodge, right as the snow comes in. I think a lot of people will look at Mexico and other warm places, right? Or even in the summer, taking that beautiful trip to Europe that they've always wanted to or maybe Asia. So what are the insurance ramifications of travel? Do you need travel insurance?
January 22, 2020
Insurance Talk - Employment Practice Liability Insurance
Today we're going to talk about employment practices liability insurance. This is an area we've actually talked about before. We're going to take it from a little bit different angle at this time. Talk about why in order to prevent employment practices liability lawsuits, you need to have an employee manual.
January 15, 2020
Protecting Your Business with Crime Coverage
Rex and Cheri discuss crime coverage and protecting your business in the event of employee fraud. 
January 03, 2020
Insurance Talk - Affordable Healthcare Act Part 2
Rex and Cheri discuss the Affordable Healthcare Act and how you can get affordable health insurance in the second part in the series on individual healthcare. 
December 10, 2019
Insurance Talk - Affordable Care Act Part 1
You're listening to Insurance Talk with Cheri Martinen and Rex Leseuer. We’re the father-daughter team from Bancorp Insurance located in beautiful Central Oregon. We are here today to talk about health insurance.
December 04, 2019
Insurance Talk — Medicare Supplement Products from Regence Blue Cross Blue Shield
Cheri Martinen talks with Dara Smith from Regence Blue Cross Blue Shield about the different benefits of Medicate Supplement products. 
November 12, 2019
Regence Blue Cross Blue Shield Medicare Products
Cheri Martinen talks with Regence Blue Cross/ Blue Shield and talks about their new product. 
November 04, 2019
MASA Medical Transport
Cheri Martinen and Rex Lesueur speak with Tony Urioste with MASA Medical Transport. You never know when you next medical emergency will be, but when it does happen you want to be able to be flown to the nearest hospital, or transported via ambulance. You do not want to depend on a relative to drive you there. 
October 28, 2019
Group Health Insurance
Group Health Insurance:  Cheri Martinen and Valerie Best talk about group health insurance. Even the smallest employers can buy group health insurance. Give Bancorp Insurance a call and talk to Valerie or Cheri about group health insurance for you employees today. 800-452-6826
October 28, 2019
Medicare Supplements
Medicare Supplements fill in the holes that Medicare does not cover. Medicare was never designed to cover all your medical needs. To get coverage that fills the gaps you may need to buy a Medicare Supplement . Cheri Martinen and Rex Lesueur discuss how the Medicare Supplement plans work.  
October 21, 2019
Pacific Source's Emily Carrick Talks About Pacific Source Medicare Expo
Cheri Martinen talks with Emily Carrick with Pacific Source about their Medicare Expos coming up October 24th 2019.  Did you know that Pacific Source is a non-profit Health Insurer. Want to know about their products, listen here. 
October 16, 2019
Medicare Advantage Plans
Cheri Martinen and Rex Lesueur talk about Medicare Advantage Plans and what you should look for. 
October 14, 2019
Medicare Part D Prescription Drug Coverage Part 2 of a 3 Part Series
Medicare Part D Prescription Drug this a three part series. Cheri Martinen and Rex Lesueur talk about this important coverage. 
October 01, 2019
Medicare Part D Prescription Drug Coverage Podcast 3 of 3
Medicare Part D Prescription Drug Coverage. Cheri Martinen and Rex Lesueur talk about Medicare Prescription Drug Coverage. 
October 01, 2019
Medicare Part A & B Part 2 of a 3 Part Series on Medicare
Medicare Part one gave you the history of Medicare and we got into Part A and B and what they are and why you want to sign up for them. Cheri Martinen and Rex Lesueur are doing a 3 part series on Medicare. 
October 01, 2019
Medicare a Part 1 of 3 Part Series
Medicare is health insurance for people over 65 in most cases. There are however exceptions and you can get medicare if you are under 65. This is the first podcast in a series of 3. Yes there is that much information you need to know. Listen to Rex Lesueur and Cheri Martinen give you the ins and outs on Medicare. 
October 01, 2019
Medicare Part D Prescription Drug Segment 1 of 3
Medicare Part D (Drug Portion of Medicare) Why buy it. 
September 30, 2019
Medicare Part A & B Continued Part 3 of 3
Medicare Part 3 of a 3 part series on Medicare. Cheri Martinen and Rex Lesueur continue their talk on Medicare from last week.  
September 30, 2019
Mobile Equipment needs special insurance.
Contractor mobile equipment how to insure that backhoe, crane, etc. 
September 16, 2019
Does your business structure change your insurance?
Weather your business is a C corp, a S corp or a sole proprietor, it makes a difference to how your business insurance protects you and your financial investment in your business. 
September 09, 2019
Getting married, getting a divorce?
Your insurance needs to be updated when you go through life changes.  Find out what you need to do to make sure both you and your spouse are protected in case of an auto accident or the one of you stay in the home or not. 
September 09, 2019
Rex and Cheri talk about Home Based Business
What type of insurance do you need for your home based business? Will your homeowners cover it? Listen to the podcast with Cheri Martinen and Rex Lesueur to get those answers. 
August 13, 2019
Bond's What Are They
Want to understand what a bond is and why it is important. Listen to Rex Lesueur's and Cheri Martinen's discussion on bonds. 
August 13, 2019
Employer's Practices Liability Insurance (EPLI)
Listen Cheri Martinen and Rex Lesueur discuss Employer's Practices Liability Insurance (EPLI).  Even if you only have one employee this is an insurance policy you need! Lawsuits brought against a current employer, past employer, or prospective employer are the most common lawsuits that today's employers face. Learn how this coverage protects employers and how you can protect your own business from becoming the next one to get sued. 
August 12, 2019
Homeowners Insurance Claims
Water damage claims are covered, and mold is not. If you have been denied coverage by your insurer there have been lawsuits that have won coverage back for the homeowner. Listen to Cheri Martinen and Rex Lesueur Part 2 of this Podcast Interesting claims that happen because well "it seemed like a good idea at the time. "
July 30, 2019
Ripped from the headlines! Commercial Driver Kills Motorcycle Rider after Hitting Deer.
Hired a new employee to drive your company vehicle or truck. Did you check their driving record?  Often employers do not check driving records and sometimes when they do and it's not stellar they still hire them to drive. Listen to Rex Lesueur and Cheri Martinen discuss the consequences that could happen to your company if they were in an accident while driving the company vehicle. 
July 30, 2019
Personal Injury protection
Personal Injury Protection is part of every auto policy. It is not the same coverage from state to state. If you want to know what this PIP covers listen to Rex and Cheri explain this important part of you auto insurance. 
July 22, 2019
Drone Insurance
Is you drone insured by your homeowners? What about that business drone? Find out listen to Rex Lesueur and Cheri Martinen. 
July 17, 2019
liquor liability
Thinking of having that big celebration at home. If you decide to serve liquor you will want to be aware of your liability. It varies state to state. Listen to Cheri Martinen and Rex Lesueur talk Liquor liability on insurance talk.  
June 24, 2019
Business auto
Business auto. When should you be insuring your work truck or car with a business insurance policy? 
June 03, 2019
What You Don't Know About Your Homeowners Insurance
Homeowners insurance policies each have their unique coverage's.  Every insurer tries to differentiate their product from the competition. Listen to Cheri Martinen and Rex Lesueur discuss the what you should look for and what may not be covered under your current homeowners policy. Most people do not read their insurance policy until after they have the loss. A good insurance agent will have read every insurance policy he or she sells. Insurance is our business. 
May 01, 2019
Buying a home, getting married, or divorced?
Your insurance needs will change when you have a life changing event like buying a home getting married or a divorce. Learn what steps you should take to make sure your insurance matches your new life style needs. 
April 24, 2019
Flood Insurance
Flood insurance how it works and when do you have to buy it
April 08, 2019
Contractor's Tool Coverage
What is contractor's tool coverage and why should you buy it? 
March 15, 2019
Collision - Comprehensive? What does that mean. Are RV's, boats, ATV's, Snowmobiles covered under your homeowners?
Cheri and Rex discuss two insurance terms most people are familiar with, but do you really know what they mean?  How does your comprehensive coverage on your auto really work. Are your boats,  RV's. ATV's covered under your homeowners if your garage collapses on top of them, or a fire burns your home to the ground. Find out on insurance talk. Listen now.  
March 14, 2019
Winter Claims
Ice Dames, Frozen Pipes, Collapse due to weight of snow. In this episode of Insurance Talk with Rex Lesueur and Cheri Martinen go over some common winter claims and how to prevent them. 
February 27, 2019
Insurance Deductibles
What are insurance deductibles? How do they work? We talk about the that and more in this episode of Insurance Talk. 
February 25, 2019
Filing an Insurance Claim
Learn how to file a claim and get paid! With Bancorp Insurance quick and easy tips to a smooth claim process. 
February 14, 2019
Rental Car Insurance
Do you really need to buy rental car insurance? We answer that question for a family vacation or a business trip in this episode of Insurance Talk. 
February 13, 2019