Missed Your Medicare Enrollment DEADLINE? What to know.
Timing is everything! Generally, if you miss an enrollment deadline, you will need to wait until the general enrollment period (GEP) and most likely pay the penalty. However, there are special enrollment periods (SEP) you might qualify for. If…
How will the new Medicare changes affect you in 2023?
Medicare published some of the new Medicare costs for 2023. This includes the new part B premium and the Part B deductible. There is some good news; the new premium for part B will drop to $164.90 in 2023…
How To Ensure That A Recession Won’t Hurt Your Retirement!
Knowing how much risk you can handle is important to avoid losses and find the best strategy during a recession.
When Is The Best Time To Start Receiving Social Security?
Social Security is one of the few supplemental income sources during retirement that changes each year for inflation. It is important to decide whether you should wait to receive social security benefits.
Better Ways To Protect Your Family Rather Than Sticking To Go-Fund-Me
22,000 open cases are looking to raise money for funeral expenses. The average amount money $2,200 gets raised in those funds, which is not enough. The average funeral nowadays is $8,000. Don’t put your family in the position of…
How To Avoid Part B & D Late Enrollment Fees
* Late Enrollment Penalty part B: Your monthly Part B premium could be 10% higher for every entire 12-month period that you were eligible for Part B.
*Late Enrollment Penalty part D: For each month you delay enrollment in Medicare…
Can Life Insurance Through Your Employer Protect Your Family Financially?
Pros and Cons of Group Life Insurance Through Work. You may need to add an individual life insurance policy to your group insurance policy through work to protect your family financially. It will leave your family with enough money…
Try Not To Make This Retirement Planning Mistake
Long-term care is often overlooked and the costs are underestimated in retirement planning. On top of that long-term care, expenses are growing every year. The possibility of needing help taking care of yourself later in life is probably hard…
Protect your paycheck; make sure you are covered.
Imagine not being able to work for a couple of months. How will you pay for essential costs such as; rent, mortgage, car loans, or groceries. Do you have an emergency fund or insurance in place?
Permanent Versus Term Life Insurance
Term life insurance offers a death benefit for a fixed amount of time (mostly between 5 and 30 years). Permanent life insurance covers you for your whole life and accumulates cash value that can be accessed as a living…
What you must know before you sign up for Medicare!
Almost 65 and wondering how Medicare works? In this blog, we will discuss the basics; who is eligible for Medicare, how to sign up for Medicare and cover the enrollment periods.
Is a Medicare Advantage PPO plan or Medigap better for you
Are you new to Medicare, or have you noticed that Original Medicare isn’t enough to cover your medical needs but don’t know which policy is best for you? There are many options, and it all depends on your personal…
How to set financial goals in 2022
It is time to review your goals, change things up to keep on track, or set new goals. No one wants to waste time or money on something you can avoid. Creating a financial plan takes a little bit…
You Need To Review Your Medicare Coverage During AEP To Save Money!
During the annual election period (AEP), medicare plan enrollees can reevaluate their coverage and make changes, enroll or dis-enroll from the plan. Your changes will be effective on January 1st, 2021. It is essential to review your existing coverage…
How Will The 2022 Largest Medicare Part B Premium Increase Affect You?
The 2022 Medicare cost at a glance just came out. This includes the new part B premium and the Part B deductible. In 2021 it the premium for part B was $148.50; this price jumped to $170. This is…
What’s better; keeping your Employer’s Health Coverage or Medicare?
Are you still working and 65 or almost 65? Then it’s time to think about your Employer Coverage and Medicare. There are several things to go over because you will have the option to keep your employer coverage, switch…
Is a Medicare Advantage or Medicare Supplement plan better for you?
Not sure which medicare plan to pick? We will try to make this process easier for you. This blog will explain the difference between a Medicare Advantage plan and a Medicare Supplement plan
Which Part Of Medicare Coverage Is Best For Your Needs
Are you getting close to 65 and are trying to understand how Medicare works? Or do you want to change your Medicare plan? Then this blog is for you. In this blog, we will explain the four parts of…
Is Life Insurance With Living Benefits Worth It?
Life Insurance can offer so much more than just a death benefit to protect your loved ones. Were you aware that you can use life insurance while you are still alive? It can give you financial security and tax…
Compare Life Insurance To Protect Your Family In 5 steps!
It is crucial to compare life insurance and choose the right life insurance that fits your needs and wants. To protect your family the best way possible. The prices of insurance policies can vary widely. That’s why we offer…
Just married? Now is the time to get life insurance.
Dear Newlyweds, Partners, Parents, Brides, and grooms to be!
Getting married, moving in together, having a baby on the way are all exciting life events. Life insurance is probably not the first thing that comes to mind during these exciting…
What On Earth Is Life Insurance And Do I Need It?
What On Earth Is Life Insurance and do I need it? Do you find yourself hearing about life insurance on TV commercials and wondering: If yes, you are not the only one. There are still many misconceptions about life…