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
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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 JULY!Welcome to our July newsletter! Below you will find important details on Medicare Supplement insurance, expert tips for staying healthy, and much more. Continue reading below for valuable information on staying hydrated and as always, a delicious summer 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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Your Medicare Supplement Acceptance: Is Your Acceptance Guaranteed? |
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Medicare Supplement Insurance ("Medigap") is private coverage. It can help cover what Original Medicare does not - for example, copays and coinsurance.
Here’s an important question: Can you be turned down for this coverage? Generally, the answer is no. Under federal law, you get a 6-month Medicare Supplement Open Enrollment Period. It starts the first month you have Medicare Part B and you’re 65 or older. During this time: You can buy any Medicare Supplement policy sold in your state. An insurance company can’t use medical underwriting to decide whether to accept your application -- they can’t deny you coverage due to pre-existing health problems. However, after the enrollment period, you may not be able to buy a Medigap policy, or it may cost more. There’s much more to know about Medicare Supplement Insurance. Contact me to learn all the details. There’s no obligation. |
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It’s estimated that about 14 million seniors have Medicare Supplement Insurance SOURCE: (Tuffin, American’s Health Insurance Plans). |
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To help improve fitness, many of us are counting our steps these days.
But how many daily steps are enough? Research suggests that health benefits begin between 2,500 and 2,700 steps a day (Medical News Today.) Previous recommendations for 10,000 have been questioned. Mortality risk levels have been shown to "level off" at around 6,000 to 8,000 steps for older adults (UNC Gillings School of Public Health). Ask your doctor how you can step up to fitness. |
| ` Dehydration can be dangerous, especially in the summer. And seniors are at a higher risk for the condition than other age groups (Web MD).
The condition can lead to severe complications, such as seizures, swelling of the brain, kidney failure, shock, coma, even death. Remember, the first sign of dehydration can simply be extreme thirst (which some seniors have been found to ignore). Other indicators include muscle weakness, lethargy, and dry mouth. Hydrating drinks can be helpful. Some of the best hydrating drinks identified as suitable for seniors include water with a twist of lemon juice, seltzer mineral waters, unsweetened herbal tea, and vegetable juices. |
| `Should You Pay More for Higher Priced, “Brand Name” Vitamins? |
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Experts say the quality of vitamins varies according to the amount of actual nutrients in each dose (CNET).
Reports say higher or lower priced (generally store brand) vitamins may contain fillers or undesirable material. Researchers found that paying more for a name brand won't necessarily buy you better vitamins (New York Times). Look for a vitamin that has been evaluated by a third-party organization. Many lower-cost vitamins will meet testing standards. |
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`Make sure to check expiration dates on vitamins. Dispose of those past their expiration date. |
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Easy Grilled Chicken Breasts ![Grilled chicken breast]()
These grilled chicken breasts are easy and quick to prepare and versatile. Season with different herbs, add barbecue sauce, serve in a salad. INGREDIENTS: - 1/3 cup olive oil
- 1/4 cup cider or red wine vinegar
- 3 tbsp Worcestershire sauce
- 2 tbsp Dijon mustard
- 2 tbsp lemon juice
- 2 tbsp Italian seasoning
- 1 tbsp Kosher salt or to taste
- 1 tbsp black pepper
- 1 tbsp sugar -- granulated or brown
- 1 tsp garlic powder
- 4 boneless, skinless chicken breasts
DIRECTIONS: Pound chicken with meat mallet to 1/2" thickness. Combine all marinade ingredients in bowl or plastic storage bag. Add chicken and toss to coat. Marinate for at least 30 min and up to 4 hours. Preheat grill to med high heat. Place chicken on grill, allowing excess marinade to drip into bowl or bag. Discard remaining marinade. Grill chicken for 7-8 min per side or to an internal temperature of 165°. Allow chicken to rest for 3 - 5 minutes before slicing.
SOURCE: SpendWithPennies.com |
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DID YOU KNOW THIS ABOUT JULY? |
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![Famous Birthdays - Martha Washington]()
July 2, 1788 -- Congress announced the U.S. Constitution had been ratified by the required nine states. July 7, 1898 -- The U.S. annexed Hawaii. July 16, 1969 -- The Apollo 11 lunar landing mission began with liftoff from Kennedy Space Center. July 25, 1909 --The world's first international overseas airplane flight was achieved by Louis Bleriot in a small “monoplane.” SOURCE: The History Place
July Birthdays: Kevin Hart (July 6), Jane Lynch (14), Sandra Bullock (26), Mark Cuban (31) SOURCE: Famous Birthdays |
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Senior Financial Glossary |
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"Without Recourse" This situation occurs when items are sold "as is," without any guarantees.
A whole life annuity can provide monthly, quarterly, semi-annual, or annual payments to a person, beginning at an agreed upon date. A wholesale price index (WPI) measures change in the overall price of goods before they are sold at retail. Wide-ranging days occur when the high and low prices of a stock are much further apart than they are on a typical day. Working capital is a measure of a company’s liquidity and short-term financial health. SOURCE: Investopedia |
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“I believe any success in life is made by going into an area with a blind optimism.” - Sylvester Stallone |
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