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Life Insurance A Smart Investment For Your Family's Secured Future
Life Insurance: A Smart Investment For Your Family’s Secured Future

In today’s uncertain world, ensuring the financial security of your loved ones is important. While many view life insurance as an expense, it’s, in fact, a strategic investment that provides peace of mind and long-term benefits for your family’s future. Let’s delve into why life insurance is not just a cost but a wise investment choice.

Financial Protection and Stability: 

Life insurance serves as a safety net, providing financial protection to your family in the event of your untimely death. It ensures that your loved ones can maintain their standard of living, pay off debts, and cover expenses such as mortgage payments, education costs, and daily living expenses.


Case Study: Emily, a single mother of two, purchased a life insurance policy to safeguard her children’s future. Tragically, she passed away unexpectedly. Thanks to her life insurance coverage, her children were financially secure, and their education expenses were covered, alleviating the financial burden during a difficult time.

Tax Benefits and Savings: 

Life insurance offers several tax advantages that make it an attractive investment option. The death benefit received by beneficiaries is typically tax-free, providing a significant source of income without the burden of taxation. Additionally, certain types of life insurance policies, such as whole life or universal life, accumulate cash value over time, which can be accessed tax-free through policy loans.

Example: John, a working professional, opted for a whole life insurance policy with cash value accumulation. Over the years, the cash value of his policy grew, providing him with a tax-efficient savings vehicle. In times of need, John could access the cash value to supplement his retirement income or cover unexpected expenses without incurring additional taxes.

Estate Planning and Wealth Transfer: 

Life insurance plays a vital role in estate planning by facilitating the smooth transfer of wealth to future generations. The death benefit received from a life insurance policy can help cover estate taxes, ensuring that your assets are preserved for your heirs. By strategically incorporating life insurance into your estate plan, you can create a legacy that extends beyond your lifetime.


Case Study: Sarah, a successful entrepreneur, utilized life insurance as a key component of her estate plan. Upon her passing, the death benefit from her life insurance policy provided liquidity to cover estate taxes and administrative expenses, allowing her heirs to inherit her business and assets seamlessly.

Flexible and Customizable Coverage: 

One of the significant advantages of life insurance is its flexibility and customization options. Policies can be tailored to suit your specific needs, whether you require term insurance for temporary coverage or permanent insurance for lifelong protection. You have the flexibility to choose the coverage amount, policy duration and additional riders to enhance your policy’s benefits.


Example: Mark, a young professional, opted for a term life insurance policy to protect his family during the mortgage-paying years. As he advanced in his career and accumulated wealth, he converted a portion of his term policy into a permanent policy to provide long-term financial security and legacy planning.

Peace of Mind and Emotional Security: 

Beyond the financial benefits, life insurance offers emotional security and peace of mind, knowing that your loved ones will be taken care of in your absence. It provides reassurance that your family’s dreams, aspirations, and future goals will not be compromised due to unforeseen circumstances.

In conclusion, life insurance is more than just a financial product; it’s a smart investment that safeguards your family’s future and provides peace of mind. At ASJ Insurance, we understand the importance of protecting what matters most to you. Contact us today for a personalized life insurance solution tailored to your needs.

Visit www.asjinsurance.com for a free quote and take the first step towards securing your family’s future.

5 Things You Must Clarify Before Signing Up Your Life Insurance Policy

In today’s uncertain world, having a life insurance policy is crucial to ensure financial security and peace of mind for you and your loved ones. However, before you sign on the dotted line, there are several important factors to consider and clarify to make sure you’re getting the right coverage for your needs. In this comprehensive guide, we’ll discuss the five essential things you must clarify before committing to a life insurance policy.

Understanding Your Coverage Options:

Before purchasing a life insurance policy, it’s essential to understand the different types of coverage available and which one best suits your needs. Term life insurance offers coverage for a specific period, while whole life insurance provides lifelong coverage with a cash value component. Additionally, there are variations such as universal life and variable life insurance. Clarifying the type of coverage and its features ensures you choose the right policy to meet your financial goals.

Example: Sarah, a 35-year-old mother of two, opts for a term life insurance policy with a 20-year term to cover her children’s education expenses and mortgage payments in the event of her untimely demise.

Determining the Coverage Amount:

Calculating the appropriate coverage amount is crucial to ensure your loved ones are adequately protected in the event of your passing. Consider factors such as your outstanding debts, future financial obligations, income replacement needs, and your family’s lifestyle expenses. Clarifying the coverage amount ensures your policy provides sufficient financial support to your beneficiaries.

Example: John, a 45-year-old breadwinner with aging parents and a mortgage, opts for a life insurance policy that covers ten times his annual income to ensure his family’s financial stability in case of his demise.

Reviewing Policy Exclusions and Limitations:

Before finalizing your life insurance policy, carefully review the policy exclusions and limitations to understand what events or circumstances may not be covered. Common exclusions may include suicide within the policy’s initial period, death resulting from illegal activities, or pre-existing health conditions. Clarifying the policy’s exclusions helps manage expectations and avoid surprises during claim settlements.

Example: David, a 40-year-old diabetic, ensures he understands the policy’s exclusion for pre-existing conditions and opts for a policy with a graded death benefit that provides partial coverage during the initial years.

Examining Premiums and Payment Options:

Life insurance premiums can vary based on factors such as age, health status, coverage amount, and policy type. Clarify the premium amount and payment frequency, whether monthly, quarterly, semi-annually, or annually. Additionally, inquire about premium payment options, such as automatic bank withdrawals or credit card payments. Understanding the premium structure ensures you can afford the policy and avoid lapses in coverage due to missed payments.

Example: Emily, a 30-year-old entrepreneur, selects a term life insurance policy with level premiums for 20 years to lock in affordable rates and budget her expenses effectively.

Assessing Policy Riders and Add-Ons:

Many life insurance policies offer optional riders and add-ons that can enhance your coverage or provide additional benefits. Common riders include accelerated death benefits, which allow policyholders to access a portion of their death benefit if diagnosed with a terminal illness, and waiver of premium riders, which waive premium payments in the event of disability. Clarify the available riders and their costs to customize your policy according to your needs.

Example: Mark, a 50-year-old professional, opts for a whole life insurance policy with a long-term care rider to ensure he receives financial assistance for long-term care expenses if needed in the future.

In conclusion, purchasing a life insurance policy is a significant decision that requires careful consideration and clarity on various aspects. By understanding your coverage options, determining the right coverage amount, reviewing policy exclusions, examining premiums and payment options, and assessing policy riders and add-ons, you can make an informed choice that provides financial security for your loved ones.

For personalized life insurance solutions tailored to your needs, visit www.asjinsurance.com to get a free quote today.

Travel Insurance – 5 Reasons Why You Should Never Ignore Your Travel Insurance Coverage

Traveling is an exhilarating experience, offering the opportunity to explore new destinations, immerse in different cultures, and create unforgettable memories. However, amidst the excitement, it’s crucial not to overlook the importance of travel insurance. Here are five compelling reasons why you should never ignore your travel insurance coverage:

1. Protection Against Trip Cancellations or Interruptions:

Imagine you’ve meticulously planned your dream vacation, but unforeseen circumstances force you to cancel or cut short your trip. Whether it’s due to a sudden illness, a family emergency, or unexpected travel advisories, trip cancellations and interruptions can happen to anyone. With travel insurance, you can recoup your non-refundable expenses and avoid financial losses.

Case Study:

Sarah had been eagerly anticipating her overseas adventure for months. However, just a week before her departure, she fell ill and was advised by her doctor not to travel. Thanks to her comprehensive travel insurance policy, Sarah was reimbursed for her prepaid expenses, allowing her to focus on her recovery without worrying about the financial burden.

2. Emergency Medical Coverage:

Medical emergencies can occur unexpectedly, even when you’re far from home. From minor illnesses to serious injuries, navigating foreign healthcare systems can be daunting, not to mention costly. Travel insurance provides coverage for emergency medical expenses, including hospitalization, doctor’s visits, and medical evacuations, ensuring you receive the care you need without breaking the bank.

Case Study:

John and his family were enjoying a beach vacation when his son suddenly developed a severe allergic reaction. Concerned for his son’s health, John sought immediate medical attention at the nearest hospital. Fortunately, their travel insurance policy covered all medical expenses, allowing them to focus on their son’s recovery instead of worrying about medical bills.

3. Protection Against Lost or Delayed Baggage:

Lost luggage or delayed baggage can quickly put a damper on your travel plans, leaving you without essential belongings or clothing. Travel insurance offers coverage for lost, stolen, or delayed baggage, providing reimbursement for necessary items until your belongings are recovered.

Case Study:

Emma arrived at her destination only to discover that her luggage had been misplaced during her connecting flight. With her travel insurance policy, Emma received compensation to purchase essential items such as clothing and toiletries until her luggage was located and returned to her.

4. Coverage for Travel Delays or Missed Connections:

Flight delays, cancellations, or missed connections are common occurrences in travel. These disruptions can lead to additional expenses, such as accommodation, meals, and transportation. Travel insurance offers coverage for such inconveniences, ensuring you’re adequately compensated for any unexpected costs incurred due to travel delays.

Case Study:

David was en route to a business conference when his connecting flight was unexpectedly canceled due to inclement weather. Forced to spend an unplanned night at the airport, David incurred expenses for accommodation and meals. Fortunately, his travel insurance policy reimbursed him for these additional costs, minimizing the impact of the travel delay.

5. Peace of Mind and Financial Security:

Perhaps the most significant benefit of travel insurance is the peace of mind it provides. Traveling can be unpredictable, and having comprehensive coverage offers reassurance knowing that you’re protected against unforeseen circumstances. Whether it’s a medical emergency, trip cancellation, or lost luggage, travel insurance ensures you can navigate any challenges with confidence, without worrying about the financial repercussions.

Case Study:

Maria had always dreamed of exploring exotic destinations, but she hesitated to book her dream vacation due to concerns about potential risks. However, after purchasing a comprehensive travel insurance policy, Maria felt confident knowing that she and her family were protected against any unexpected events that might arise during their travels. With peace of mind and financial security, Maria was able to fully enjoy her vacation without any worries.

In conclusion, travel insurance is an essential investment for any traveler, offering invaluable protection and peace of mind throughout your journey. Don’t overlook the importance of travel insurance coverage—prioritize your safety and financial security by securing a comprehensive policy before your next adventure.

Ready to safeguard your travels?
Get a free quote for your travel insurance needs at ASJ Insurance & Financial Services Inc. and embark on your journey with confidence and peace of mind.

Life Insurance Needs On Every Stage Of Life
Life Insurance : How Different Life Stages Impact Your Insurance Needs?

Life is a journey filled with twists and turns, and as we navigate through different stages, our insurance needs evolve to reflect our changing circumstances. Whether you’re starting your career, raising a family, or enjoying retirement, understanding how different life stages impact your insurance requirements is crucial for ensuring comprehensive coverage and financial security. 

In this article, we’ll explore how various life stages influence your insurance needs and provide insights to help you make informed decisions about your coverage.

1. Young Professionals

For young professionals just starting their careers, insurance needs may include health insurance, disability insurance, and renters insurance. Health insurance provides coverage for medical expenses, while disability insurance offers protection against loss of income due to illness or injury. Renters insurance protects personal belongings and provides liability coverage in rented accommodations.

Example: Sarah, a recent college graduate, purchases renters insurance to protect her belongings in her apartment and secures health insurance through her employer’s benefits package.

2. Newlyweds

As newlyweds begin their lives together, their insurance needs expand to include life insurance and homeowners insurance. Life insurance provides financial protection for spouses in the event of premature death, ensuring that surviving partners can maintain their standard of living. Homeowners insurance protects the couple’s property and provides liability coverage for potential accidents.

Case Study: John and Emily purchase a life insurance policy to secure their financial future and invest in homeowners insurance to protect their new home from unexpected losses.

3. Growing Families

For families with children, insurance needs may include life insurance, health insurance, and auto insurance. Life insurance ensures that children are provided for financially in the event of a parent’s death, while health insurance covers medical expenses for the entire family. Auto insurance is essential for protecting vehicles and providing liability coverage in case of accidents.

Citation: According to a study by the Insurance Information Institute, families with young children often prioritize life insurance to safeguard their loved ones’ financial security.

4. Empty Nesters

As children grow up and leave home, empty nesters may reassess their insurance needs and make adjustments accordingly. This may involve updating life insurance policies, downsizing homeowners insurance coverage, and exploring long-term care insurance options for retirement planning.

Example: Mark and Lisa review their insurance policies as empty nesters and decide to increase their life insurance coverage to provide for their children and grandchildren.

5. Retirees

In retirement, insurance needs may shift to focus on health insurance, long-term care insurance, and annuities. Health insurance remains critical for covering medical expenses, while long-term care insurance provides financial protection for potential nursing home or home health care costs. Annuities offer retirees a steady income stream to supplement retirement savings.

Case Study: James and Helen purchase long-term care insurance to protect their retirement savings from potential healthcare expenses and invest in annuities to ensure a stable income in retirement.

Conclusion: Securing Your Future at Every Stage

As you journey through life’s various stages, your insurance needs will evolve to reflect your changing circumstances. By understanding how different life stages impact your insurance requirements and working with a trusted insurance advisor, you can ensure that you have comprehensive coverage and financial security at every turn.

Are you looking for the right Life Insurance Cover?
Contact us at (623) 243-4000 to get a free quote for your home insurance needs today.

Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. It is recommended to consult with a qualified insurance professional to discuss your specific insurance needs and coverage options.

Life Insurance: How ASJ Insurance Revolutionizes Policyholder Experience

Life Insurance is an essential part of your financial planning. In the realm of financial planning, few tools offer the security and peace of mind that life insurance provides.

However, navigating the intricacies of life insurance can often be daunting, with complex policies and lengthy application processes deterring many from obtaining the coverage they need. That’s where ASJ Insurance steps in, revolutionizing the life insurance experience for policyholders with its streamlined approach and personalized service.

Understanding ASJ Insurance’s Unique Proposition

ASJ Insurance stands out in the insurance industry for its unwavering commitment to simplifying the life insurance process for its clients. As a leading provider of life insurance policies, ASJ Insurance recognizes that one size does not fit all when it comes to financial protection. Instead, the team at ASJ Insurance takes a personalized approach, tailoring policies to meet the unique needs and objectives of each individual client.

One of the key distinguishing factors of ASJ Insurance is its ability to offer customizable life insurance policies. Unlike cookie-cutter solutions offered by some insurers, ASJ Insurance understands that every client’s situation is different. Whether it’s providing income replacement for a family breadwinner, protecting a mortgage, or ensuring financial security for loved ones, ASJ Insurance crafts policies that align perfectly with the client’s goals and circumstances.

Streamlining the Application Process with ASJ Insurance

In addition to personalized service, ASJ Insurance simplifies the application process, making it easy and convenient for policyholders to obtain the coverage they need. Here’s how ASJ Insurance eases the burden of applying for life insurance:

Paperless Application: Gone are the days of cumbersome paperwork and lengthy forms. With ASJ Insurance’s paperless application process, clients can complete their application entirely online. This eliminates the need for printing, scanning, and mailing documents, streamlining the process and saving valuable time.

Electronic Signatures: ASJ Insurance harnesses the power of technology to facilitate electronic signatures, allowing clients to sign their application and other necessary documents securely and conveniently. Electronic signatures eliminate the need for in-person meetings or physical paperwork exchanges, enabling a seamless and efficient experience for policyholders.

Electronic Policy Delivery: Once the application is approved, ASJ Insurance delivers the policy electronically to the client’s inbox. This ensures instant access to important policy documents, including coverage details and terms. With electronic policy delivery, policyholders can review their coverage at their convenience, without delays or paperwork hassles.

By leveraging technology and embracing innovation, ASJ Insurance transforms the traditional life insurance application process into a streamlined and user-friendly experience. From start to finish, the team at ASJ Insurance is committed to providing exceptional service and support to ensure that policyholders can protect what matters most to them – their loved ones’ financial future.

Get Your Free Quote Today with ASJ Insurance

Ready to take the first step towards securing your family’s financial well-being? 

Visit https://asjinsurance.com to get your free quote for personalized life insurance coverage from ASJ Insurance. 

With ASJ Insurance, protecting your loved ones has never been simpler. Don’t wait – secure your peace of mind today with ASJ Insurance.

Insurance Jargons
The Ultimate Insurance Guide to Understanding Insurance Jargons: Demystifying Policy Terms

Insurance Jargons can sometimes feel like navigating a maze of unfamiliar terms and complex terms and words. From premiums to deductibles, policyholders are often faced with a barrage of terminology that can be confusing and overwhelming. However, understanding these terms is essential for making informed decisions about your insurance coverage. 

In this comprehensive guide, we’ll break down the key terms and concepts used in insurance policies, empowering you to navigate the world of insurance with confidence. [Ref: About ASJ Insurance]

1. Premium

The premium is the amount of money you pay to your insurance company in exchange for coverage. It is typically paid on a regular basis, such as monthly, quarterly, or annually. The premium amount is determined by various factors, including the type of coverage, the level of risk associated with the insured property or individual, and the insurer’s underwriting criteria.

2. Deductible

A deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible on your homeowners insurance policy and file a claim for $2,000 in damages, you would be responsible for paying the first $500, and your insurance company would cover the remaining $1,500.

3. Coverage Limits

Coverage limits refer to the maximum amount of money your insurance company will pay for a covered loss. These limits can vary depending on the type of coverage and the specific terms of your policy. It’s important to review your policy carefully to understand your coverage limits and ensure they align with your needs.

Citation: According to a report by the Insurance Information Institute, inadequate coverage limits can leave policyholders vulnerable to financial losses in the event of a claim. [Ref: Underinsurance]

4. Policy Exclusions

Policy exclusions are specific situations or types of damage that are not covered by your insurance policy. These exclusions are outlined in your policy documents and typically include events such as acts of war, intentional acts of the insured, and certain types of natural disasters. It’s essential to review your policy exclusions to understand what is not covered by your insurance.

5. Riders and Endorsements

Riders and endorsements are additional provisions that can be added to an insurance policy to provide extra coverage or customize your coverage to meet your specific needs. Common riders include coverage for valuable personal property, identity theft protection, and increased liability limits.

Conclusion: Empowering Policyholders with Knowledge

Understanding insurance jargon is essential for making informed decisions about your coverage and ensuring that you have adequate protection against potential risks. By demystifying policy terms and concepts, this guide aims to empower policyholders to navigate the world of insurance with confidence and clarity.

Ready to explore your insurance options? 

Contact us at (623) 243-4000 to get a free quote for your home insurance needs today.

Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. It is recommended to consult with a qualified insurance professional to discuss your specific insurance needs and coverage options.

Term Life Insurance & Its Benefits For Your Family
Term Life Insurance: Why You Must Consider It? : 5 Benefits of Your Term Life Insurance

Term Life Insurance is an essential part of your financial portfolio.  In the realm of financial planning, securing your family’s future is paramount. Among the various insurance options available, a term life insurance stands out as a foundational element in safeguarding your loved ones’ financial well-being. 

Let’s delve into the compelling reasons why having a term life insurance is important for you and your family.

1. Financial Protection for Your Loved Ones

Life is unpredictable, and none of us can foresee what the future holds. In the unfortunate event of your untimely demise, a term life insurance ensures that your family members are financially secure. The death benefit provided by the term life insurance can serve as a lifeline for your loved ones, helping them cover expenses such as daily living costs, mortgage payments, children’s education, and outstanding debts.

2. Cost-Effective Coverage

One of the significant advantages of term life insurance is its affordability. Term insurance offers a high coverage amount at a relatively low premium compared to other types of life insurance policies. This cost-effectiveness allows you to obtain substantial coverage without straining your budget, making it an accessible option for individuals and families seeking financial protection.

3. Flexibility to Choose Coverage Duration

Term life insurance offers flexibility in choosing the coverage duration according to your specific needs and financial goals. Whether you require coverage for a specific period, such as until your children graduate or until you pay off your mortgage, or long-term protection, term insurance allows you to select the duration that aligns with your goals. This flexibility empowers you to customize your insurance plan according to your unique needs.

4. Supplemental Coverage for Critical Illness

Many term plans offer the option to add critical illness riders or benefits to enhance your coverage. These riders provide additional financial support in the event of a serious illness or medical condition, such as cancer, heart attack, or stroke. The lump-sum payout received from the critical illness rider can help cover medical expenses, rehabilitation costs, and other financial obligations, providing comprehensive protection for you and your family during challenging times.

In conclusion, a term life insurance serves as a cornerstone of financial security, offering comprehensive coverage, affordability, flexibility, and tax benefits. By investing in a term life insurance, you can ensure that your loved ones are protected financially, even in your absence, providing you with peace of mind and confidence in your family’s future.

Get A Free Quote For Your Term Plan Needs:

Contact us at ASJ Financial and Insurance Services to get a free quote for your Term Life Insurance today:

Call: (623) 243-4000

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Sinking boat insurance myths

You don’t believe in the Loch Ness Monster. You don’t believe your friend caught Jaws fishing off the Florida coast. So why do most boaters believe boat insurance covers them wherever they go?

Progressive surveyed more than 1,000 boat owners. It uncovered a few insurance myths floating around. Here’s a sample of the findings and the facts behind each:

Myth: Everyone pays more for insurance because of the hurricanes from a couple of years ago.

Reality: Even though it’s believed by 74 percent of respondents, it isn’t true. Boat insurers generally price policies based on claims in each state. For example, Ohio customers won’t pay more for insurance because of hurricanes in Florida.

Myth: Boat insurance covers me anywhere I decide to go boating.

Reality: Seventy-six percent of respondents believed this one. The reality is some insurers only provide coverage where the boat is used most. Insurers may limit coverage to 100 nautical miles of your home port. Progressive provides coverage virtually anywhere you decide to go in the continental U.S. and Canada.

Myth: I’ll get a better insurance rate if I buy from the same company that insures my home or car.

Reality: Buying more than one product from the same insurance company doesn’t mean you get the best rate – even though 45 percent of respondents thought so. Boaters can save by shopping around and combining specialized policies from different companies.

“It’s important to understand what’s available,” said Dominic Mediate of Progressive. “You want to be properly protected in case your boat is stolen, you get into an accident or contents are damaged. We’re separating fact from fiction so boaters can make the best insurance decisions possible.”

For more information about boat insurance, contact us at (623) 243-4000.

Fact or Fiction: Uncovering Auto Insurance Myths

Like a teenager eager to try a new video game, playing before reading the rules, many drivers buy insurance without really understanding what they’re buying. In the rush to feel “covered,” they can skip the details. That can lead to frustration. Following are five insurance myths heard by some of the more than 13,000 claims people at Progressive, one of the country’s largest auto insurance companies:

Myth: I bought “full coverage” so everything’s paid for.
Reality: There is no such thing as “full coverage.” In most states, only liability insurance is mandatory. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.

Myth: I need three estimates before my wrecked vehicle can be repaired.
Reality: Not necessarily. Very few insurers actually require this, although some might. If you decide to use a shop that’s in an insurance company’s “network” of pre-approved shops you may just have to get an estimate from that shop.

Myth: My insurance premium always increases if I’m involved in an accident.
Reality: It depends. Your rate can increase, decrease or stay the same. The information about your accident is combined with other information about you, your car and your driving history to determine your rate.

Myth: If I lend my car to someone and he/she crashes it, I’m covered.
Reality: Not so fast. If you or your friend don’t have optional physical damage coverages, damage to your vehicle generally won’t be covered.

Myth: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy but some insurance companies only give you 7 days.

“Insurance can be complicated,” says Chuck Crist of Progressive. “It’s not something people deal with every day. So the more informed you are, the better choices you’ll make.”

To learn more, contact us at (623) 243 4000

5 Things You Should Never Say at Work

Saying certain thing at work can give others the wrong idea about you and your motives, so be aware of how your words come across to others. Here are five career killers.

“It’s all your fault.”

This one is fairly obvious — direct blame never looks good. “What people are saying is ‘I’ve got to cover my rear end,'” says Barb Krantz Taylor, principal consultant at The Bailey Group in Minneapolis. And that can make you look insecure, reluctant to take responsibility, or even a tyrant. “Leaders need self-management, and if I feel angry, I need to find ways to deal with it,” Taylor says. Lashing out and blaming others not only doesn’t solve the problem at hand, it wrecks business relationships and can seriously hurt your career. Instead, focus on solving the problem and then, when things are quieter, finding out how to prevent it from happening again.

“It’s all my fault.”

This seems like it could be helpful, but Taylor warns that it’s not. “Falling on your sword brings you into a place of shame,” she says. Being the martyr and taking everything on yourself can set you up for future blame, as well as plant the impression that you are incompetent. Accept the responsibility for things only if that responsibility is truly yours. “You can apologize for a situation that someone is in,” Taylor says, adding that doing so can be effective in moving the focus away from who’s at fault and onto finding solutions.

“It’s not fair.”

Whether this is true or not, this is one of the most unhelpful things you can say at work. No matter how you say it, it’s going to come across as whining. And the answer you’re likely to get can be something along the lines of “You’re right — so what?” Instead, find more concrete, fact-based objections to something you want to change, rather than relying on emotional appeal.

“That’s not my job.”

In today’s work environment, employees are often asked to go above and beyond as a matter of routine. “That’s not my job” can make you look stubborn, lazy and generally uninterested in the company’s success. Instead, identify the problem you have with the task at hand — is it something you truly don’t have time for? Is it something that someone else would do better? In addition, Taylor recommends seeing things from the other person’s perspective. “If we can be curious about expectations, we can better manage relationships we have with people,” she says. There are instances where a jurisdictional or work agreement may make something truly not your job, but if this is not the case, find a better way to turn down extra projects.

“Don’t tell so-and-so, but…”

Office politics can be devastating. While you may be involved in closed-door meetings with colleagues or managers, don’t say anything in private at work that you wouldn’t want said in public at work. No matter how you think you can manage secrets, words often have a way of getting around. Be prudent about what you share and whom you share it with. Watching your words is an important part of your workday life. Think twice before you say something, and try to imagine how your words sound to others.

By Catherine Conlan
Monster Contributing Writer

http://career-advice.monster.com/in-the-office/workplace-issues/5-things-you-should-never-say-at-work/article.aspx?WT.srch=1&WT.mc_n=olm_sk_disp_td_otb_RON37