Luba Anachkova, Insurance Broker

08/11/2026

TWO TRAVEL-INSURANCE OPTIONS—WHICH ONE FITS YOUR NEEDS?
A recent quotation for 66-year-old traveller taking the trip outside the USA produced two very different options:
LOWER-COST LIMITED COVERAGE
• $2.74 per person per day
• $200,000 emergency-medical coverage
• $500 deductible per claim
• Shorter medical questionnaire
BROADER COVERAGE
• $8.61 per person per day
• $10 million emergency-medical coverage
• $0 deductible
• Longer medical questionnaire
• Quotation assumes “No” answers to all medical questions
The lower-priced option is not equivalent to the broader plan—it has a substantially lower coverage limit and a deductible. However, it may provide an affordable alternative for eligible travellers who might otherwise travel without insurance.
The right choice depends on your health, budget, destination, trip duration and desired level of protection.
Message me for a personalized quotation and help comparing your options.
Example only. Travellers aged 55–79 must satisfy the applicable medical eligibility questionnaire. Rates vary. Policy terms, limitations, exclusions and eligibility requirements apply.

08/11/2026

✈️ **Туристическая страховка — от $2.74 в день на человека в возрасте 66 лет**

Пример расчёта для двух путешественников на 36 дней за пределами США: общая стоимость — **$197.06**.

Это бюджетный вариант с медицинским покрытием $200,000 и deductible $500 на страховой случай. Условия и тариф зависят от возраста, состояния здоровья, продолжительности и направления поездки.

Подробное сравнение — в публикации ниже. Напишите мне в личные сообщения для индивидуального расчёта.

08/11/2026

✈️ TWO TRAVEL-INSURANCE OPTIONS—WHICH ONE FITS YOUR NEEDS?

A recent quotation for two 66-year-old travellers taking the same 36-day trip outside the USA produced two very different options:

LOWER-COST LIMITED COVERAGE
• $2.74 per person per day
• $200,000 emergency-medical coverage
• $500 deductible per claim
• Total premium for two travellers: $197.06

BROADER COVERAGE
• $8.61 per person per day
• $10 million emergency-medical coverage
• $0 deductible
• Longer medical questionnaire
• Quotation assumes “No” answers to all medical questions

The lower-priced option is not equivalent to the broader plan—it has a substantially lower coverage limit and a deductible. However, it may provide an affordable alternative for eligible travellers who might otherwise travel without insurance.

The right choice depends on your health, budget, destination, trip duration and desired level of protection.

Message me for a personalized quotation and help comparing your options.

Luba Anachkova, Insurance Broker

Example only, based on two eligible travellers insured together for the same 36-day non-USA trip. Travellers aged 55–79 must satisfy the applicable medical eligibility questionnaire. Rates vary. Policy terms, limitations, exclusions and eligibility requirements apply. Coverage is not effective until the application is approved, payment is received and policy confirmation is issued.

02/13/2026

Happy Family Day!

Today is a reminder to slow down, appreciate the people who matter most, and enjoy the moments that make life meaningful. Wishing you and your loved ones a day filled with warmth, laughter, and togetherness.

Day Together First

02/10/2026

Sharing this because it’s a question I get a lot.

💡 CRITICAL ILLNESS COVERAGE:
Critical Illness Coverage: Planning for the ‘What Ifs’.

Critical illness coverage is designed to provide a lump‑sum payment if you’re diagnosed with a covered condition, helping you focus on recovery and everyday expenses instead of finances. It’s not about expecting the worst — it’s about keeping options open if life takes an unexpected turn. A quick review can show how this type of coverage fits into a broader plan.
If you’d like a simple walkthrough, I’m happy to help.

02/10/2026

💡 CRITICAL ILLNESS COVERAGE:
Critical Illness Coverage: Planning for the ‘What Ifs’.

Critical illness coverage is designed to provide a lump‑sum payment if you’re diagnosed with a covered condition, helping you focus on recovery and everyday expenses instead of finances. It’s not about expecting the worst — it’s about keeping options open if life takes an unexpected turn. A quick review can show how this type of coverage fits into a broader plan.
If you’d like a simple walkthrough, I’m happy to help.

01/20/2026

Critical Illness Coverage: Breathing Room for Recovery

Critical illness insurance provides a lump‑sum benefit after certain covered diagnoses, giving families financial breathing room so recovery doesn’t have to compete with bills. It’s not about fear—it’s about maintaining options and flexibility during a tough chapter. Every plan can be tailored to different ages, budgets, and priorities.

If you want a simple, no‑pressure overview of how CI works, I’m always happy to walk through it.

12/25/2025

Wishing you and your loved ones a joyful holiday season filled with warmth, peace, and cherished moments.
As the year comes to a close, I want to sincerely thank you for your trust and the opportunity to be part of your journey. It truly means a great deal to me.
May the New Year bring you good health, happiness, and continued success.

10/17/2025

💬 Grateful for the Little Wins

Some weeks, it’s not the big milestones that stand out — it’s the small moments. A client finally understanding a financial concept that once felt intimidating, or a family taking their first real step toward their goals. Those wins remind me why I do what I do every day.

Here’s to celebrating progress, not perfection. 🙌