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Life Newsletter August 2022

Volume 4, Number 35
The following article was written by Amanda Austin for Life Happens.
"Many people are looking to trim expenses during these uncertain times. Perhaps life insurance is one area where you’re looking to economize. If so, the good news is that there are quite a few ways to get affordable life insurance. (Or to save on the coverage you already have.)

Before sharing our best affordable life insurance tips, know that it’s never a good idea to skip buying life insurance altogether. Doing so could put your loved ones in a major bind if you and your earnings were no longer in the picture. 

1. Opt for affordable term life insurance, at least to start. There are two main types of life insurance: term life and permanent life. Both offer a death benefit if you pass away within the coverage period, but permanent life also has a cash-value component. Term life is the more affordable life insurance choice. Term life is a good option for people looking to get the most coverage for the least amount of money. People also choose to get a combination of both to ensure they have a large amount of coverage now (when they have kids or debt) along with lifelong coverage later on.
2. Buy coverage when you’re young and healthy. The best affordable life insurance is typically available when you’re young and healthy. By buying early, you may be able to lock in an affordable life insurance rate. Plus, you won’t have to worry about being unable to get coverage if you develop a health condition later on.
3.  Get quotes from several insurers. Like anything else in life, it pays to shop around when it comes to getting affordable life insurance. An insurance agent or advisor can gather quotes from several insurers. He or she can also help you compare coverage so you get a great policy at a great price.
4.   Look into group coverage from your employer. Group life insurance through a workplace is often subsidized in part by an employer. What’s more, you can often get a certain level of coverage without taking a medical exam. Definitely check out any employer-sponsored group coverage that’s available to you. Just know that this coverage goes away if your job does, so it helps to also have an individual life insurance policy that you own.
5.  Ask about premium discounts. Some insurers offer premium discounts at certain coverage levels. So it might actually be cheaper to buy $250,000 of coverage than $200,000 of coverage, for example. Ask your insurance agent or advisor about any premium discounts.
6.  See if you can save by paying upfront. Some insurers offer a discount if you pay the entire year’s premium in a lump sum (or in less frequent intervals like twice a year). If your insurer offers this discount and you have the money, opt to pay your premium up front instead of paying quarterly or monthly.
7.  Lock in a renewal guarantee. A renewal guarantee lets you automatically renew your term life policy without the need to undergo a medical exam. You only pay more based on your age, not because of worsening health. This lets you keep your affordable term life insurance even if your health takes a turn for the worse.
8. Maintain (or work toward) being in good health. The best affordable life insurance typically goes to people who are in good health. And while there are certainly conditions over which you have no control, there are others that you can control. These include eating right and exercising to maintain a healthy weight, limiting alcohol use, managing stress and not smoking or using drugs. Definitely ask your insurer if you can retake your medical exam if you improve your health — you’ll often benefit from a lower rate for the rest of policy’s term.
9. Work with a specialized insurance professional if you have health issues and/or have been denied coverage. As a general rule, it’s best to undergo a medical exam for life insurance if you don’t have any health issues. By demonstrating that you’re in good health, you’ll be able to get the best affordable life insurance available. That said, there are options if you’re in less than stellar health or have been denied life insurance. One is to work with an insurance professional that specializes in higher-risk applicants. Another is to consider “simplified issue” or “guaranteed issue” life insurance, which typically let you skip the traditional medical exam and get life insurance more or less on the spot. Learn more about these options and what to do if you’re denied life insurance.
10.  Start small and increase coverage over time. When it comes to life insurance, something is always better than nothing. If you can’t afford all the coverage you need right now, start small. For just $13 a month, a healthy 30-year-old can get a $250,000 20-year level term policy. With even this affordable life insurance policy, your loved ones would receive $250,000 if you were to pass away between the ages of 30 and 50. (And they’d receive the full $250,000, since life insurance proceeds almost always pass on tax free.) As you grow your savings and increase your income over time, you can buy more coverage until you’re at the level you want."
This article by Mavin H. Feldman appeared in Life Happens.
"Just because you’re retired doesn’t necessarily mean you’re financially sound.
Think of all the different scenarios that may still be applicable: You may have been required to retire early; you may have had investments that have gone sour and haven’t had time to rebuild your nest egg. Additionally, there may be a need to cover final expenses, you may have children still at home who depend on you, or you may have a family member like an aging parent or special-needs sibling that you provide financial support for.
The bottom line is this: If you owe someone, love someone, or someone depends on you financially, you need life insurance. And just because you’re retired or old doesn’t mean those three things go away.
Do You Need The Same Amount Of Life Insurance You Had Before?
If you bought the life insurance to replace income and have built up your investments, maybe not.
Then again, if you have built up your investments over the years, there may be some state or federal inheritance tax that will have to be paid upon your death. And even if there is no federal tax, there may still be significant state inheritance tax. There are also things like probate costs, administration costs; there might be final debt or a mortgage on house, too. So as long as there is some type of financial exposure, you need life insurance to match up with that.
If You Don’t Have One, Is It Still Possible To Buy A Policy In Retirement?
Absolutely. Just because you’re old or older doesn’t mean you’re uninsurable.
I just got a call from someone doing planning for the family patriarch who’s 85 years old. They realized that right now, the estate is worth more than the combined amount of federal exemption and that there will be tax to pay. That’s where life insurance comes in, at less than a dollar for each dollar of tax.

Another reason to have the coverage is if someone has taken 100% pay-out on their pension, with no survivorship provision. If that person dies, no money gets paid out to the surviving spouse. This is more common than you think. Nor is it unusual to hear that someone remarries and forgets to change the pension beneficiary. Life insurance can ensure that the spouse is taken care of.
What Else Should I Know About Having Life Insurance In Retirement?
People don’t often talk about the living benefits of life insurance. Let’s say you no longer need the death benefit, but are living with a lingering, terminal illness and may not have sufficient cash to pay medical expenses. The accelerated death benefit provision means you can go to the insurance company and pull down money from the policy to absorb the costs of that illness and avoid bankruptcy.
permanent life insurance policy is also a place to put money aside that gives you a better rate of return than a low pay-out CD or putting money in a safely deposit box. It’s a way to have some safe money invested at no risk—it’s just there for when you need it.
"Life insurance is absolutely essential if there’s someone you care about who would suffer if you and your financial contributions were no longer in the picture. This could include a spouse, children, disabled family members, aging parents or anyone else who depends on your earnings to make ends meet.
There are several different types of life insurance. But what they all have in common is that they pay cash to your loved ones in the event you pass away. This lets your nearest and dearest remain on the firm financial ground even though your earnings have stopped.
From the mortgage to child care costs to the weekly grocery haul, you already know that life comes with many expenses. We all do so much to take care of our loved ones in the here and now, but many people don’t consider how those left behind would manage if the unthinkable were to happen.

Over the years, we’ve heard from countless people who were extremely grateful to have a financial lifeline in the form of life insurance. And we’ve sadly also heard from those who didn’t have life insurance to rely on when a breadwinner passed away. Here are just two of their stories.
Even though Katie Miller was young, she knew to plan for her family’s future with life insurance. Shortly after welcoming their second son, she passed from aggressive cancer at age 30.
Miranda Rivera lost her father when she was 12 with no life insurance, and she knew nothing would be the same again.
These kinds of stories underscore just how important life insurance is if anyone depends on you financially. The good news is that there are life insurance policies to fit every situation and budget. And many people are pleasantly surprised to discover that life insurance is far more affordable than they imagined⁠—and to learn that life insurance proceeds are almost never subject to federal income taxes. What’s more, some policies also have a savings component to help you grow your nest egg in addition to protecting the ones you love most."
2022 Schedule
Affordable Care Act Open Enrollment

Affordable Care Act open enrollment began November 1, 2021 and ended January 15 on the Federal Facilitated Marketplace (
You can only buy an Affordable Care Act plan for the remainder of 2022 if you have a Qualifying Life Event.

Call us at 561-734-3884 or 877-734-3884 to determine
what kind of plan you may be eligible for.

2022 Schedule
Medicare Annual Enrollment Period

The Medicare Annual Enrollment Period ended December 7, 2021
for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

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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.

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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.

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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.

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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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