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Life Newsletter November_2019

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Volume 3, Number 2

IN THIS ISSUE...

A PROMISE KEPT: LIFE INSURANCE IS FOR THE ONES YOU PROMISE TO PROTECT

NOVEMBER IS LONG TERM CARE INSURANCE AWARENESS MONTH

2019 INSURANCE BAROMETER STUDY

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Latest News and Updates

A PROMISE KEPT: LIFE INSURANCE IS FOR THE ONES YOU PROMISE TO PROTECT

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NOVEMBER IS LONG TERM CARE INSURANCE AWARENESS MONTH

The numbers underscore the need.

55% of Americans say most people need long-term care insurance, according to the 2019 Insurance Barometer Study. Here’s the catch—only 15% say they own it.

Click the picture to play the video

2019 INSURANCE BAROMETER STUDY

Each year Life Happens and LIMRA , a not-for-profit research trade association, partner to do the Insurance Barometer Study. Now in its ninth year, it tracks the financial perceptions, attitudes and behaviors of consumers in the United States, with an emphasis on life insurance.

Here are somee facts of note:

Almost half of Americans (47%) say they’re more likely to buy life insurance using simplified underwriting versus traditional underwriting approaches.

Most Americans (53%) are at least somewhat likely to purchase a combination life insurance product (an example is a life insurance product that can pay out all or part of the proceeds in the event of experiencing a critical illness or being unable to perform at least 2 of the activities of daily living). One in five (roughly 42 million Americans) say they are “very” or “extremely” likely to buy a combination product.

1 in 5 Americans are actively looking for a financial professional to work with. This rises to more than half of Millennials.

Bridging the Education Gap

The study also examined what consumers say they know about different insurance products, along with their perceived need of these products and whether they own them. Overall, consumers are most likely to say they are knowledgeable about life insurance (46%). Knowledge levels drop significantly for disability insurance (38%), long-term care insurance (35%), and annuities (35%).

The study shows there is a correlation between lower product knowledge, and the gap between perceived need and ownership for the product.

“It’s clear that education about life insurance and related products is key to helping people get coverage. If they don’t understand what it is and more importantly why they—personally—need it, they won’t be motivated to buy the coverage,” says Faisa Stafford, president and CFO of Life Happens. “That’s an important reason we at Life Happens are so focused on our consumer-education efforts, as it has an ever-widening circle of benefit.”

Read the 2019 Study here .

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2020 Schedule
Affordable Care Act Open Enrollment

November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period

October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

Get Rates & Plans Now

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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