TD Coverage

06/02/2026

Quick life-insurance tip: Term and whole life aren't "better/worse" versions of each other — they're different tools for different jobs.

🟢 TERM — inexpensive, covers a set period (10/20/30 years), no payout if you outlive it. Best for replacing your income during peak earning years.

🟢 WHOLE LIFE — costs more, lasts your entire life, builds cash value. Best for lifelong protection, estate planning, leaving a guaranteed legacy.

Most families I work with end up with a big term policy to cover the working years and sometimes a smaller permanent policy on top of it. The two together can give you the most coverage for the least cost.

Curious what makes sense for your situation? Free quote comparison across multiple carriers — no pressure.

05/29/2026

Seven out of ten.

Not nursing home stays specifically — long-term care of any kind. That could mean help bathing, dressing, cooking, or managing medications, whether at home, in assisted living, or in a facility.

And here's the part that catches people off guard: Medicare doesn't cover long-term care. Medicaid does — but only after you've spent down nearly everything you own.

That gap is why long-term care planning exists. It's not about being morbid. It's about making sure the people you love aren't the ones figuring it out in a crisis.

05/27/2026

This is the #1 thing I hear when I bring up life insurance.

The honest truth: most group policies through work cover 1–2x your salary. That sounds like a lot until you actually do the math — most families need 8–12x to replace a lost income over the years it would take kids to grow up and a spouse to stabilize.

The other catch: when you leave the job, the coverage usually leaves with you. And you might not be insurable later if your health changes.

Group coverage is a nice bonus. It's rarely the plan.

If you've never had someone walk you through what a real number would look like for your family — send me a DM. That's exactly the kind of conversation I love having.

05/26/2026

You may see ads for Medicare Advantage plans talking about grocery cards, dental coverage, or extra benefits.

These benefits can be helpful, but they’re not available to everyone, and they often come with qualifications.

The most important question isn’t “What extras does this plan offer?”
It’s: “Does this plan work with my doctors and medications?”
Extras are a bonus. Your coverage is the foundation.

05/22/2026

Before you switch Medicare plans because of a commercial, take a moment to look at what actually matters.

Are your doctors still in-network?
Are your prescriptions covered the same way?
Are your out-of-pocket costs changing?
A plan that sounds good on TV doesn’t always fit your real-life needs.
If you’re considering a change, let’s review it together so you can make a decision based on facts, not marketing.

05/20/2026

Medicare can cover up to 100 days in a skilled nursing facility—but there are some important rules most people don’t realize

First:
- You must first have a qualifying 3-day inpatient hospital stay."Observation status” in the hospital does NOT qualify for the 3-day inpatient hospital stay trigger

Second:
-The 100 days is a maximum—not guaranteed. Coverage ends when you no longer need skilled care.

2026 Costs on Original Medicare (Covered by Medigap or Medicaid)
Deductible is $1,736 per benefit period. A new benefit period restarts 60 days after release from care.

Then you pay:
Days 1–20: $0/day
Days 21–100: $217/day
After day 100, Medicare pays nothing. So, your Medigap plan or Medicare Advantage will also pay nothing.
The average cost? About $9,800/month

Most people don’t plan for this—but about 70% of those over 65 will need long-term care.

Options for Long Term Care:
-Personal savings
-Medicaid (after spending down assets)
-A Long-term care plan (set up in advance)

Long-term care plan options include traditional Long-Term Care Insurance, Life Insurance with Long-Term Care Riders, or an Annuity with Long-Term Care Riders.
If you’re unsure how you’re covered, it’s worth reviewing before you need it.

05/18/2026

This is a powerful reminder—and an important conversation to have with clients.

Accumulation is only part of the story.
What matters just as much is what happens next.

In my work, I often see families who did accumulate well… but weren’t fully prepared for the moment when everything needed to transition. And that’s where even the best plans can begin to break down.

Because wealth transfer isn’t just about efficiency.

It’s about clarity, organization, and communication at a time when emotions are high and decisions carry weight.

Tools like life insurance play a critical role—but they are most effective when paired with thoughtful preparation that helps families actually navigate what comes next.

Legacy isn’t just what you leave.
It’s how you leave it.

https://www.tomhegna.com | In this video, Tom Hegna shares the story of "Annie's Six Grandchildren." Life Insurance can be purchased for pennies on the dol...

05/15/2026

The biggest long term care mistake is assuming Medicare will handle the bill.

The first 20 days can look manageable. After that, the math gets ugly fast.
A lot of families in Hawaii find this out at the worst possible time.
Medicare may cover skilled nursing care after a qualifying hospital stay, but the coverage is limited.

Days 1 through 20 may be fully covered.
Days 21 through 100 usually come with a daily coinsurance cost.
After day 100, Medicare coverage ends.

That is the part many families are not prepared for.
Long term care is not just a healthcare issue. It is a retirement planning issue, an estate planning issue, and often a family crisis issue.

When nursing home costs keep rising, one bad assumption can drain savings faster than most families expect. This is why families need to understand the difference between short term skilled nursing care and long term custodial care.

Medicare may help after a hospital stay. But if care continues beyond the covered window, you need another plan. Savings, Medicaid planning, long term care insurance, family support, or a combination of all four.

Let me know if I can help with the insurance part.

05/13/2026

Working with a licensed agent is the best way to make the most of your Medicare plan enrollment. They'll be your advocate, helping you navigate the complexities and find the best coverage for your healthcare needs. Reach out to a licensed agent today and secure your peace of mind for the year ahead!

*Not affiliated with the U. S. government or federal Medicare program.

05/06/2026

Why buy life insurance for children?

There are several important reasons...
1) To cover costs associated with an unexpected loss
2) To help protect a child’s future insurability
3) It’s simplified coverage that’s easy to apply for

Check Out These Features:
• Simplified application
• No medical underwriting and limited health questions
• Builds cash value
• Benefits never decrease
• Easy payment options
• Guaranteed Insurability Rider – additional policies may be purchased in the future,
at the time of several life events, without evidence of insurability