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The Brutal Reality of Not Having Life Insurance

Posted on April 17, 2014 at 10:53 AM Comments comments (12)
As I write this post, my heart is heavy.  Two times in the past few weeks the brutal reality of not having life insurance has touched people or families of people that I know.

In large part, those of us in the industry have become very reticent, it seems, to ever bring up life insurance with family, friends, or consumers.  The reason being?  Not wanting to see that look on people's faces that says.."Ohhhh great, here we go with the ole' life insurance pitch!"  

But the reality is- PEOPLE NEED LIFE INSURANCE.  Everyone always thinks it's "other" people, or other segments/age groups of people, that need it- not them.  These past few weeks I have seen the devastating blow reach young 20 year old's newly married with a baby on the way as well as more mature families with kids in high school and college.  

Dealing with any loss, but especially a sudden and unexpected loss, of a loved one leaves you reeling and barely able to function.  I cannot even imagine having to also worry about how I am now going to be able to pay for the funeral, keep my house, continue with the children's education, raise a child, pay my bills, in short- continue to LIVE as I and my children need to live. 

It has been heartwarming and encouraging to see, in both of these cases, the community, family and friends rally around these affected by the sudden loss of their loved one.  Contribution sites have been set up to help with all of the aforementioned costs and future costs, and the monetary support they have received has been astounding.  But as much as this has warmed my heart, and others hearts as well, it also saddens me.  It saddens me that during such an anguished and horrific time, money has to even be thought about. Money should be an afterthought, not the first thought.  

Family, Friends, Consumers- please, please realize the importance of protecting your family for the unknown, the same as you work so hard to protect them now in the day to day.  Agents- if you're not already, you need to set aside your fears and inhibitions and do the right thing by talking to people about the importance of protecting their loved ones.


Please keep in mind!!

Posted on November 12, 2012 at 8:09 AM Comments comments (0)
One thing we've been coming across during this Medicare AEP (annual enrollment period)-- PLEASE remember that if you have an MAPD (Medicare Advantage Plan with RX), you CANNOT then take out a stand-alone prescription drug plan.  Many people are getting mailing after mailing in their mailbox, soliciting a RX (Part D) plan.  If sign up for a RX plan, it will automatically knock you off of your MAPD plan, and you will have NO medical coverage come January 1! 
 
If you, or someone you know, has mistakenly done this, it is not too late!  During AEP, you can switch again back to what you had, and the last thing you sign up for during AEP is what will take effect January 1. 
 
We realize it can all get very confusing.  Please contact us if you have any questions at all- the last thing anyone wants is to not have the proper coverage in place come January 1st!   

Medicare Advantage for 2013

Posted on October 1, 2012 at 1:46 PM Comments comments (0)
It is that time of year again...time to take a look at your Medicare Advantage and Prescription Drug plans and see what changes are on the horizon.  If you haven't already received a letter stating your plan changes for 2013, you will be shortly.  For some, depending on the plan you are currently enrolled in, there is increased out-of-pocket costs, an increased brand prescription deductible, and a premium associated with a plan that did have a $0 premium. 
 
We do have some attractive alternatives that may benefit you, so scheduling an appointment to go over all of your plan changes and the options available to you could be very beneficial. 
 
Your time period for being able to make any changes to your exisitng plan is from October 15th to December 7th, with those changes becoming effective 01/01/2013.  The upcoming months are going to get a bit crazy, so hold on tight for the ride! 
 
For those newly eligible to Medicare, you have a lot of choices available to you, and we are very excited to be able to help guide you along the way! 
 
Contact us today, and make sure you are on the path to an informed and beneficial 2013 benefit coverage year!!
 
 

CRITICAL ILLNESS - Fills many needs

Posted on January 20, 2012 at 12:50 PM Comments comments (1)
Are you a small business owner?  Close to retirement?  Self-employed? Have a high-deductible medical plan? Have kids in college?
 
If you were able to answer YES to any of these questions, you MUST also ask yourself this question:  If I was diagnosed with a critical illness, how would I still be able to fulfill my financial obligations and of those depending upon me?
 
The cost of critical illness goes beyond what is covered by insurance; it is expenses like travel cost, and time off of work, possible forced early retirement.  Utility bills and house payments that don't stop just because you've been diagnosed with a critical illness. 
 
If you are a small business owner, you need to still be able to meet payroll and keep your business running.  If you are self-employed and/or have a high-deductible medical plan, you need a way of meeting that high deductible.  If you have children in college, you need to be able to ensure that your child can stay in college even if you are diagnosed with a covered critical illness.  If you are close to retirement, you do not want your retirement plan to be derailed.
 
Critical Illness coverage is one of the most over-looked components of an individuals financial planning. 
 
Let us help provide a way for you to focus on what matters most in the event of a covered illness-- GETTING WELL WITHOUT FINANCIAL WORRIES! 

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