​Myth 1: COVID-19 vaccines can give me COVID-19.
FACT: None of the COVID-19 vaccines being developed can cause COVID-19. This includes Pfizer’s and Moderna’s COVID-19 vaccines. The Food and Drug Administration (FDA) granted these vaccines Emergency Use Authorization in December. There are several other different types of vaccines also being worked on. The goal for each of them is to teach our immune systems how to fight the virus that causes COVID-19. Sometimes this process can cause symptoms such as fever. These symptoms are normal with many vaccines. They’re a sign that the body is building immunity. You can learn more about how COVID-19 vaccines work at the Centers for Disease Control and Prevention’s website.

Myth 2: I’ve already been sick with COVID-19. I won’t get any benefit from the vaccine.
FACT: Experts don’t yet know how long someone is protected from getting sick again after recovering from COVID-19.  COVID-19 poses severe health risks. Re-infection with COVID-19 is possible. This means people may be advised to get a vaccine even if they have been sick with COVID-19 before. The immunity someone gains from having an infection (natural immunity) varies from person to person. Some early evidence seems to suggest that natural immunity from COVID-19 may not last very long.

Myth 3: I’m young and healthy. I won’t need the vaccine when it’s available to me.
FACT: Many people with COVID-19 have only a mild illness. However, others may get a severe illness or even die. COVID-19 vaccination helps protect you without having to get the disease.  There is no way to know how COVID-19 will affect you, even if you’re not in a high-risk group. Also, if you get sick, you also may spread the disease to friends, family, and others around you. Some of these people may be in a high-risk group. 

Myth 4: COVID-19 vaccines will cause positive results on COVID-19 diagnostic tests.
​FACT: The EUA vaccines and other vaccines still currently in clinical trials in the United States won’t cause you to test positive on diagnostic tests. These tests are used to see if you have a current infection. The goal of vaccination is for your body to develop an immune response. This means you may test positive on some antibody tests.  Antibody tests indicate that you had a previous infection and that you may have some level of protection against the virus. Experts are currently looking at how COVID-19 vaccination may affect antibody testing results.

Myth 5: Getting the COVID-19 vaccine means I won’t need to wear masks anymore.
FACT: Experts still need to learn more about the protection that COVID-19 vaccines provide under real-life conditions, per California’s COVID-19 website. This means you should continue to use all the tools available to help stop this pandemic. These include: Masks Physical distancing Washing hands often Remember: Vaccines need time to give protection. It typically takes a few weeks for the body to build immunity after any vaccination. That means it’s possible a person could be infected with the virus that causes COVID-19 just before or just after vaccination. 

​Myth 6: mRNA COVID-19 vaccines will alter my DNA.
FACT: Some COVID-19 vaccines use mRNA (messenger ribonucleic acid). These include the Pfizer vaccine and the Moderna vaccine. mRNA is not able to alter or change a person’s genetic makeup (DNA). The mRNA from a COVID-19 vaccine never enter the nucleus of the cell, which is where our DNA is kept. This means the mRNA does not affect or interact with our DNA in any way. COVID-19 vaccines that use mRNA work with the body’s natural defenses to safely develop immunity. You can learn more about how mRNA vaccines work at the CDC’s website. 

Myth 7: I can pay to get on a wait list for early access to the vaccine.
FACT: There are no lists that allow you to access the vaccine ahead of schedule. There are a number of scams (PDF, 262 KB) circulating offering to add your name to a list to get early access to the vaccine in exchange for payment. Do not give your personal or financial information if someone calls, texts, or emails you promising access to the vaccine for a fee.

BE SAFE AND HEALTHY! We shall prevail! 

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​The biggest mistake I see from people is they really don't understand what their coverages mean and what exactly is at stake by not being informed.  So here's some info just in case. Keep in mind that if you cause an accident, and suffer a significant judgment against you, damages over and above your policy limits will be your responsibility. That means your personal assets and even your future earnings could be at risk. There are generally six different types of auto insurance coverage. Bodily injury and property damage liability pays for your legal defense costs and judgments against you in cases that involve injuries or damage to other people or property. Often I see someone having 15-25,000 property damage.  There are a lot of cars on the road in CA that are over 25,000!!!  Medical payments coverage pays for the medical expenses of the insured driver and passengers, regardless of fault. Uninsured/underinsured motorist covers losses caused by a driver who is uninsured or has inadequate insurance. Collision pays for accident damage to your own car, while comprehensive insures your vehicle against all other physical damage — including those that result from theft, vandalism or natural disaster. Drivers may also purchase endorsements that extend their coverage even further. Rental reimbursement will pay for a rental car while your damaged vehicle is in the shop. Optional towing and labor insurance kicks in whenever your auto breaks down — not just for accidents covered under the basic insurance. The other mistakes I see are in policy limits.  They are the maximum dollar amounts that will be paid by your insurance company in the event of a claim. There are separate limits set for each type of coverage, and higher limits will require higher premiums. Consider the value of your vehicle and personal assets, your tolerance for risk, and the amount you can afford to pay out of pocket when you choose your coverage limits.  Last, I want you to know I don't just handle auto/homeowners plans.  I handle ALL financial and insurance services.  I do a lot of retirement planning such as investments with mutual funds, ETF's, etc.  Most Americans are not prepared at all for college funds/retirement and please don't rely on social security to be there.  It is not nearly enough to survive on.  Put something away every month so you can get dollar cost averaging working in your favor in up and down markets.  If you make a retirement account just like you do for all your other bills, you will be shocked at how it grows over time.  Call me and we can discuss setting something up and getting you started

I just got out of a 10 day lovely hospital stay and I wanted you to know about this because it's a "you never know" situation.  Out of nowhere, I got struck with a rare condition called Trigeminal Neuralgia.  If you google it, you will see it's nasty.  It's the nerves effecting the face, such as eyes, mouth, and ears.  In my case it was my right eye.  It's a stabbing pain or electrical shock of the most excruciating pain.  The scary part is there is no known cure other than drugs and surgery which are not always successful. I'll take any prayers that the drugs work. The reason I am telling you this is because I will never be able to apply for life or long-term care coverage because it's an automatic decline.  Fortunately, being in the business, I have those coverages in place and all set. So, stop and think, if you have a life policy, let me review it.  In order for me to replace it, I have to prove to the new carrier how the new one is better.  Perhaps we can add more years if you have a term policy. If you have a universal/whole life policy, many I review will blow up in much higher premiums down the road.  Maybe you have no coverage, would your dependents be ok if you passed away?  You can even get a burial guaranteed issue policy of $5-20,000, very inexpensive, so your loved ones don't have to deal with it when that day comes. If you have a long-term care policy, I salute you!  Smart move.  Leave that alone.  Maybe you  got that policy a long time ago and could use a little more coverage for care. We could add another small one. You need at least $5-6,000 per month for care.  If you don't have any coverage, if you need care today, what is your plan?  Clients and customers who call me for this are ones who have seen it with their family and the toll it takes. 
So, take a minute and give it some serious thought.  I don't mean to be "salesy" but it's real life and you never know.  I wouldn't be doing my job if something happened to you and you said to me, " I didn't know about that or I didn't think about it".
Thank you,
​Darrell Fryer