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 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.
Long-Term Care and Final Expense Insurance
Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
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/johnsons2ins/30min There will never be a charge for our assistance or for a friendly, no-obligation chat.
Thanks for opening our March newsletter. Read on below for more information on a major health issue for seniors, an article on retirement and annuities, a tasty recipe, and much more.
Get in Touch
If I can help you with any insurance needs, please call 412-726-6450 or send an email to email@example.com to get started.
Weakened bones: Problems for Seniors
Osteoporosis can mean serious, long-term health effects for seniors. It weakens the bones to the point that they can break. It can even result in death.
Whether you have osteoporosis can be determined by Bone Mineral Density (BMD), a measure to determine bone weakness. In the United States, an estimated 10 million people aged 50 years or older have osteoporosis. Most of these people are women (Osteoporosis workgroup).
Osteoporosis is called a silent disease because a person may not even know it's there until a facture occurs.
Osteoporosis is not considered curable. However, you can take medication to help treat the disease.
Exercise is recommended by experts. Walking, dancing, running, and resistance exercise, such as lifting weights can help you improve and maintain your BMD.
Medicare will cover BMD testing once every 24 months.
Are you looking for a safe way to achieve growth for retirement?
You might want to consider a tax-deferred annuity.
A deferred annuity allows you to save money for retirement. You make contributions to the annuity, and the money grows tax deferred.
So, you don't have to pay income taxes on the growth until you withdraw the money from the account.
You hear a lot these days about generations living under one roof, whether by choice or necessity.
But that doesn't mean there aren't many seniors living alone.
Nearly one-third of all seniors live by themselves, according to the U.S. Census Bureau. That's close to 14 million seniors aging alone (A Place for Mom).
This month is National Nutrition Month.
This annual celebration is on the importance of making informed food choices and developing sound eating and physical activity habits.
This year's theme is "Fuel for the Future."
National Nutrition Month started in 1973 as National Nutrition Week
In the UK, or the USA, there's something special — mouth watering — about pasties.
- 3 1/2 cups all-purpose flour, sifted
- 1 1/2 tsp salt
- 1 cup shortening
- 1 cup cold water
- 1 lb boneless round or chuck steak, cut into 1-inch cubes
- 2 med potatoes, peeled and cubed
- 1 med onion, chopped
- 1 med carrot, diced (Optional)
- 1/2 cup cubed rutabaga
- salt and pepper to taste
- 6 tbsp margarine
Make the Dough: Combine flour and salt in a large bowl. Cut in shortening until mixture resembles coarse crumbs. Stir in water until dough comes together. Shape into a ball, wrap in plastic. Refrigerate for 30 min.
Preheat the oven to 350°. Line a baking sheet with parchment paper.
Make the filling: Mix meat, potatoes, onion, carrot, rutabaga, salt, and pepper in a bowl until well combined.
Remove dough from the refrigerator and divide into six pieces. Shape pieces into balls, then roll into 6-inch diameter rounds on a lightly floured surface. Spread about 1 cup filling over half of each round and dot with 1 tbsp margarine. Fold uncovered pastry up and over filling; crimp edges to seal. Prick with a fork and place onto the prepared baking sheet.
Bake in the preheated oven for 1 hour.
Senior Financial Glossary
An Updated issue is a government bond that has no maturity date, resulting in interest payments that last into forever.
A Unilateral contract is a one-sided contract agreement in which an offeror promises to pay only after the completion of a task by the offeree.
An Unadjusted basis refers to the original cost to purchase an asset Underlying Asset.
An Unamortized bond premium refers to the difference between a bond's face value and its sale price.SOURCE: Investopedia
Did you know this about March?
March 1, 1961, President John F Kennedy established the Peace Corps.
March 11, 1918, the "Spanish Flu" reached America.
March 19, 2003, The U.S. launched a war against Iraq.
March 3, 1933, the Civilian Conservation Corp was founded.
Famous Birthdays: Jon Bon Jovi (March 2), Harriet Tubman (6), Chuck Norris (10), Lady Gaga (28).
SOURCE: Famous Birthdays
"You're not famous until my mother has heard of you."
- Jay Leno
A great spring is just ahead!