Krebs Legacy Financials

05/15/2025

🚨Paying More for Medicare? Here’s Why:

If your income is above a certain level, you might pay higher premiums for Medicare Part B and Part D. These extra charges are based on your income from two years ago—even one-time income events can cause an increase.

If your income has recently gone down (due to retirement or other major life changes), you might qualify for a lower premium. It’s worth checking and possibly filing an appeal to save money.

💡 Stay informed—every dollar counts in retirement!

05/08/2025

🚨Turning 65? It’s Time to Talk Medicare!
Turning 65 is a major milestone—and it also means you’re eligible for Medicare. Whether you’re retiring soon or still working, understanding your options is key to making the right healthcare decisions.

Don’t wait—contact us today for your FREE Medicare consultation!
Call 937-345-0305 or message us here to get started.

Contact us to schedule your appointment!

02/18/2025

⚠️ A common misconception is that Wills safeguard your assets from probate proceedings. While a Will is essential for asset distribution, it DOES NOT protect your assets from creditors and debt collectors.

That's where a Living Trust comes in. SBLI policyholders have access to LegacyShield and EstateGuru, offering comprehensive tools to safeguard your hard-earned assets 🔒

Contact us for a term or permanent Life Insurance quote with SBLI, and start protecting your assets today! 🛡️

Planning for the future means protecting what matters most. 💌 But where do you start? When it comes to estate planning, understanding the difference between a will and a living trust is key:

📜 Wills: Outline how your assets are distributed but must go through probate court.

🔑 Living Trusts: Allow you to avoid probate, offer privacy, and give you control of your assets while alive.

Not sure which one is right for you? SBLI policyholders have access to LegacyShield and Estateguru to help create wills, living trusts, and more. Learn more: https://bit.ly/3PTQBcx

02/12/2025

🛡️ Understanding Term Life Insurance 🛡️

Term Life Insurance can be used for many reasons, but make sure it's a **convertible term policy**. This allows you to convert Term Life Insurance into Whole Life Insurance without needing medical underwriting, no matter your health condition.

🕒 Term Life Insurance plans expire, so having the peace of mind to convert if needed is always important when choosing your policy.

Contact us to review your Term Life Insurance options💡

01/25/2025

🚨Medicare Advantage Plan beneficiaries have until March 31st to make any changes to their Medicare plan 🚨

— Reach out for a complimentary Medicare Advantage plan review before the deadline —

If you are in a Medicare Advantage Plan and considering a change, you have until March 31 to explore your coverage options and find a better fit. Review your options at https://go.medicare.gov/3W4kkTO.

01/25/2025

Protecting your business with a Key Person Policy allows your business to keep growing without any setbacks 🔑

As a business owner it’s important to understand the challenges that may arise from unexpectedly losing a key employee.

A Key Person Life Insurance Policy provides financial support, time to navigate during the recruitment process and any other challenges that may arise after the loss of a key employee.

💡If you’re interested in ways to protect your business, reach out for a free, no obligation consultation.

07/12/2024

Benefits of getting life insurance for your children:

1.) Guaranteed lifelong coverage.

2.) Locking in low premiums.

3.) Access to cash value that builds overtime which can be used on college expenses, a new car, or even a down payment on a home.

03/20/2024

- Can’t get homeowners insurance if your house is on fire.
- Can’t get car insurance right after a wreck.
- Can’t get cell phone insurance if your phone is already broken.

Life Insurance is much more attainable when you’re young and healthy. Reach out today for your options!

01/30/2024

Medicare will only contact you if you contact Medicare first? If someone you don’t know calls and asks for your Medicare Number, hang up and call 1-800-MEDICARE to report suspected fraud. Learn more: https://go.medicare.gov/494oNK2

01/30/2024

Investing is all about achieving financial wellness. Tell us what that means to you in the comments. In the meantime, check out these successful investing habits here: https://go.fidelity.com/uwol8e

12/11/2023

Having life insurance through work is a great benefit, but if you change jobs you typically lose your policy and any money paid into it.
By having your own life insurance policy it’ll stay with you no matter where life takes you.

Life insurance at work is a nice benefit, but it may not be enough to protect your family. If it isn’t enough to cover the mortgage, childcare, medical expenses and ongoing bills, you may need an individual policy to make sure your loved ones have sufficient coverage.