Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.
Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Medicare Insurance
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
Mortgage Protection Insurance
The Insurance of yesterday was payable only one way, upon the death of the policy owner. The Insurance of today is designed to provide assistance to the living. Sadly, unforeseen situations happen un-announced. Diagnosis of cancer, sudden stroke, pandemic diseases and other things that no one asks for but truly change the direction in what will need to happen the following day and all days thereafter. Chronic, critical and terminal illnesses are provided with Mortgage Insurance so that those living won't have to worry about losing what the family has worked so hard to secure.
Final Expense Insurance
Your family will always come first. You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it's absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your individual needs.
Feel free to design your own policy or create your own quote to fit your budget at: https://agents.ethoslife.com/invite/8d6932
Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. Book a personal 30-minute Q+A appointment now! https://calendly.com/johnsons2insThere will never be a charge for our assistance or for a friendly, no-obligation chat.
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WELCOME JANUARY!I hope you're having a great start to the year 2024. Remember to layer up when you go outdoors, continue to exercise indoors or out, and to follow through with any resolutions you've put in place! |
| Get in TouchFelice Johnson If I can help you with any insurance needs, please call 412-726-6450 or send an email to felice.johnson@successfs.com to get started. |
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Poverty is commonplace in the U.S. It's perhaps shocking to hear that in the richest country in the world, about 38 million residents live in poverty (U.S. Census). January is Poverty Awareness month, a time to spread the word about crisis of poverty in America. Moreover, about 23% of Americans over age 65 live in poverty, according to the Organization for Economic Co-operation and Development. Ways you can help: donate to support groups, volunteer your time to anti-poverty organizations and back efforts to fight poverty among seniors and all Americans. |
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`Senior poverty exists despite "safety nets" provided by Social Security, Medicare and more. |
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Every year the General Enrollment Period (GEP) for Medicare occurs between January 1 and March 31.
This is the time, usually the only time, when people who are eligible for Parts A and/or B can join if they did not do so previously. Coverage starts the month after you sign up. You might pay a monthly late enrollment penalty if you don't qualify for a "Special Enrollment Period." Contact me for details on eligibility. |
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The Centers for Medicare and Medicaid Services (CMS) has announced that the standard monthly Part B premium is $174.70 in 2024, an increase of $9.80 from $164.90 in 2023. The annual deductible for all Medicare Part B enrollees in 2024 will be $240, an increase of $14 from the 2023 deductible of $226. |
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Volunteering and Your Taxes |
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Many older people see volunteering as a great way to utilize their spare time. But are there advantages to volunteering in addition to good feelings? Yes, there are possible federal tax benefits for your efforts. You can deduct the expenses you incur while volunteering or traveling to and from the volunteer assignment. Among other possible savings, gas mileage, public transportation costs, and airfare or train travel to volunteer destinations or conferences can all be deducted. Meals and lodging for some volunteer assignments may also be deducted. Check with your tax preparer for details. |
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Do you enjoy the thrill of "swooshing" down a ski slope or sliding on a trail? Well, reports say that thousands of people 60 and over love to ski. And, in fact, statistics show that about a quarter of cross-country skiers are 50 plus. (Seniors Skiing). The benefits of skiing are great for your physical, mental, social and emotional health. The key is to be prepared and know your limits so you can enjoy the sport safely (Freedom Village). |
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Senior Financial Glossary |
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A virtual currency is a digital representation of value only available electronically. It’s stored and transacted through designated software, mobile, or computer applications. "Visibility" is used to show the extent to which a company's management or analysts can estimate future performance. Visibility can range from low to high or from the near term to the long-term. Vertical analysis is a method of financial statement analysis in which each line item is listed as a percentage of a base figure within the statement. Vetting is the process of thoroughly investigating an individual, company, or other entity before deciding to go forward with a joint project. SOURCE: Investopedia |
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Chorizo-stuffed Bacon-Wrapped Dates Here's a Spanish delight - delicious and flavorful chorizo, stuffed in sweet dates, and wrapped with crispy, salty bacon! INGREDIENTS: For roasted peppers sauce: - 2 tbsp extra virgin olive oil
- ¼ cup finely diced shallot
- 2 cloves garlic, minced
- pinch of kosher salt, few cracks of black pepper
- 1 cup roasted red bell peppers, loosely chopped
- 2 tbsp juice from a jar of roasted red bell peppers
- 1 (14.5-oz) can peeled, whole tomatoes
- 1 tbsp sherry vinegar
For chorizo-stuffed dates: - 8 oz bulk chorizo
- 16 pitted medjool dates
- 8 slices of bacon, cut in half crosswise
- 1 tbsp finely chopped parsley, for serving
DIRECTIONS: Preheat oven to 350°. Line baking sheet with parchment paper. Make the sauce: Heat oil in small saucepan over medium heat. Add shallot and garlic with a pinch of salt and a few cracks of black pepper. Cook, stirring, until tender, 2-3 min. Add roasted red bell peppers and the juice from the jar and continue to cook, stirring, for 3-4 more min. Add canned tomatoes, vinegar and bring to a simmer. Once simmering rapidly, reduce heat to low, cover, and let cook, simmering, while you prepare and bake the dates. Stuff the dates: Open dates so they can easily be stuffed. Place about 1/2 tbsp of the chorizo in the cavity of the date. Wrap with bacon. Secure with a toothpick. Place on the prepared baking sheet and continue until all of the dates are prepared. Move the dates to the oven and cook until the chorizo is cooked through, 12-15 min. Turn the oven on high broil until bacon is crisp, another 2-4 min. Transfer sauce to a blender and blend until smooth and creamy. Cover, warm, until dates are done. To serve, spoon and spread sauce across the bottom of a serving platter. Place chorizo stuffed dates on top and garnish with parsley.
SOURCE: The Defined Dish |
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DID YOU KNOW THIS ABOUT JANUARY |
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On January 5, 1925, - Nellie Tayloe Ross of Wyoming became the first female governor inaugurated in the U.S. The Dow Jones Industrial Average first topped the 2,000 mark on January 8, 1987. On January 16, 1547 - Ivan the Terrible had himself officially crowned as the first Russian Czar. January 20, 1945 - Franklin Delano Roosevelt was inaugurated to an unprecedented fourth term as president of the United States
January Birthdays: George Washington Carver (January 1), David Bowie (4), Dolly Parton (19). Oprah Winfrey (29) SOURCE: Famous Birthdays |
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“No one's ever achieved financial fitness with a January resolution that's abandoned by February.” - Suze Orman |
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