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. Cronic, 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
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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.
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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 SeptemberOur best wishes to you during Life Insurance Awareness Month 2023! Older Americans have long found Life insurance to be a great way to provide added security for those you care about most. Please take a look at the article about this special month, notes on “back to school” for seniors and a tasty recipe. |
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Felice 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. ![company logo]() |
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A Month Celebrating Life Insurance |
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![Smiling senior man holding watering can surrounded by flowers]() This month is significant for all of us who have concerns about the future and what it means to us and our loved ones.
September is Life Insurance Awareness Month. This month is designed to educate people about life insurance and help them make the right coverage choices. Remember, to a large extent, preparation is what life insurance is all about. Life insurance is personal protection that will be there even if something should happen to you. It can help pay for high “final expenses” (e.g., funeral and burial), and prevent them from becoming a burden to those you leave behind. Contact me during this Life Insurance Awareness Month. Let’s discuss why life insurance can be important to you. This is a great time to learn more about life insurance – what it really is, and how it works for you. |
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`There are a number of types of life insurance. I’ll be glad to help you determine which can best meet your needs and fit your budget. |
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What is an Estate Executor? |
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![Grandfather in wheelchair with grandchild on his laptop]() An executor of an estate, is appointed to carry out a deceased person's wishes specified in their will.
They manage and protect the estate's financial assets, which is why many family members choose close friends or accountants to be the executor. Often an attorney will act as executor of the estate. |
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![Senior couple hiking]() This time of year, younger people and children are heading back to school.
Many seniors are doing something similar, getting back in the classroom. Social organizations, school districts, and universities provide opportunities for older adults to expand their educational horizons. These can include adult education or auditing regular classes. |
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`Some colleges and universities allow seniors to enter degree programs at little or no cost (BestColleges.com) |
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Senior Financial Glossary |
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![Woman looking for missing Social Security Card]() Valuable Papers Insurance. This is a special type of property-casualty insurance. Valuable papers insurance reimburses the policyholder for the monetary value of any valuable papers (wills, for instance).
What Is a Validation Code? A Validation Code is a series of three or four numbers located on the front or back of a credit card. It’s used for security purposes. VA Loans. Acquired through the Department of Veterans Affairs, members, and their surviving spouses can purchase homes with little or no down payment. What is a Valuation Analysis? A Validation Code is a series of three or four numbers located on the front or back of a credit card. It’s used for security purposes. A Variable Annuity is an annuity that varies based on the performance of an underlying portfolio of “sub accounts.” SOURCE: Investopedia |
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Pan-Roasted Chicken with Grapes ![Mediterranean Stuffed Swordfish]()
This is a fast, easy, and elegant weeknight dinner that’s also easy on the budget! INGREDIENTS: - 1 tbsp olive oil
- 1 garlic clove smashed
- 4 chicken thighs, skin on, bone in
- Salt and pepper to taste
- 4 plump shallots
- 1 tbsp balsamic vinegar (or sherry wine or apple cider vinegar)
- 1 lb red seedless grades
- 1 tbsp chopped rosemary
DIRECTIONS: Heat oil in an oven-proof skillet over med high heat. Add smashed garlic clove and swirl to season oil. Season the skin side of the chicken with salt and pepper and place skin side down in hot skillet. Season other side of chicken with salt and pepper and remove the garlic. Sear skin side until golden and crispy, 6-7 min, turning heat to medium. Flip. Place the shallots between the chicken and drizzle with the vinegar. Top with the grape clusters, nestling between and around the chicken. Sprinkle with rosemary and place in the oven for 20 min or until internal temp reaches 170°.
SOURCE: Feasting at Home |
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Did you know this about September? |
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![Famous Birthdays - Dustin Hoffman]()
September 2, 1666 - The Great Fire of London began in a bakery in “Pudding Lane.” September 6, 1991 - Leningrad was renamed Saint Petersburg by Russian legislators. September 13, 1788 - The U.S. Congress chose New York as the Federal capital of the new American government. September 25, 1789 - The first U.S. Congress proposed 12 amendments to the Constitution, ten of which, comprising the Bill of Rights, were ratified. SOURCE: The History Place
Famous Birthdays: Beyonce, (September 4), George Jones (12), Jimmy Fallon (19), Will Smith (25) SOURCE: Famous Birthdays |
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“My favorite poem is the one that starts 'Thirty days hath September' because it actually tells you something.”
- Groucho Marx |
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This time of year, younger people and children are heading back to school.
Valuable Papers Insurance. This is a special type of property-casualty insurance. Valuable papers insurance reimburses the policyholder for the monetary value of any valuable papers (wills, for instance).
