Tamara Pedrojetti American Income Life

12/13/2025

Insurance 101: Look at your Max out of pocket or OOP, then see if you have that money in your bank account. If not, get supplemental insurance to cover those costs.

12/12/2025

I had a client who did everything right on paper. They had life insurance and supplemental coverage that would have paid tax-free money if someone was sick or injured.
The life insurance was over $1 million.
The critical illness policy was $20,000.
The husband controlled the finances.
He stopped paying the supplemental policy three months ago and the life insurance 8 months ago because he didn’t think it was going to happen. It didn’t feel urgent. It didn’t feel important yet.
He died suddenly of a heart attack in the hospital.
Because the policies were not in force, the family is left with absolutely nothing.
No life payout.
No critical illness money.
No financial cushion.

Let's meet to go over these simple policies that are low cost, to protect you and your Ohana.

808-772-1114 or [email protected].

12/11/2025

I've called on several Union families, and want to express that Supplemental insurance is not a scam. Unfortunately, there are 'bad actors,' out there as in any industry. But, for those that listen and educate themselves, know different.

Here is a cautionary tale that just happened this week, a lesson that I hope will translate into your action to: get your Will done, pick up a supplemental product, and make sure your Ohana is protected. This isn't expensive, only a few dollars a month to save you from this situation:

Team — I want to share a real lesson from this week.

I had a client who did everything right on paper. They had life insurance and supplemental coverage that would have paid tax-free money if someone was sick or injured.
The life insurance was over $1 million.
The critical illness policy was $20,000.

The husband controlled the finances.

He stopped paying the supplemental policy three months ago and the life insurance 8 months ago because he didn’t think it was going to happen. It didn’t feel urgent. It didn’t feel important yet.

He died suddenly of a heart attack in the hospital.

Because the policies were not in force, the family is left with absolutely nothing.
No life payout.
No critical illness money.
No financial cushion.

Now his wife is facing the loss of her husband and the loss of everything they built together. I had to call the financial advisor and explain what happened — and honestly, I wanted to cry.

**This is the part of our job that people don’t see***

This is why what we do matters.
This is why “I’ll think about it later” is not harmless.
This is why we push — with care, compassion, and education — even when it’s uncomfortable.

Our job is not just to sell policies.
Our job is to protect families from moments they never see coming.

Please let this be a reminder:

Payments matter.

Coverage only works if it’s in force.

“It won’t happen to me” is the most expensive belief there is.

Supplemental and life insurance are not optional — they are foundational.

Lead with empathy.
Educate clearly.
And never underestimate the impact of the conversations you’re having every single day.

What we do saves families — even when they don’t realize it yet.

I'm local here in Hawaii, and can help you set up your Ohana, call or text 808-772-1114 to set up a Zoom call.
or email: [email protected]

12/09/2025

Specialties: Licensed Life & Health Insurance Agent serving Hawaii and multiple states with a mission-first approach to helping families protect what matters most. I bring over 12 years of experience in Medicare, Medicaid, ACA healthcare programs, and supplemental insurance planning. My career spans...

12/07/2025

12/06/2025

I grew up in a union family—my father was the CWA president in Oregon—so I truly understand how important unions are to protecting families, rights, and livelihoods. I love working for American Income Life, because I get to help working families protect and create their own legacies here in Hawaii. We offer free no-cost benefits that don't interfere with your union benefits. Check out my reviews on Yelp!

Specialties: Licensed Life & Health Insurance Agent serving Hawaii and multiple states with a mission-first approach to helping families protect what matters most. I bring over 12 years of experience in Medicare, Medicaid, ACA healthcare programs, and supplemental insurance planning. My career spans...

12/01/2025

💙 Health insurance is important… but it’s NOT enough. 💙
If you’ve ever dealt with a major health event, you already know:
Co-pays, co-insurance, deductibles, travel costs, time off work — it all adds up fast.

That’s exactly why supplemental insurance was created.
✨ Globe Life Supplemental Policies
(Cancer • Critical Illness • Accident)

They pay YOU directly, so you decide how to use the money.
✔️ Cover co-pays & deductibles
✔️ Help with rent, food, childcare, and bills
✔️ Support when you need time off work
✔️ Cash benefits paid straight to you, not the doctor
✔️ Affordable protection for unexpected life events

The truth is simple:
Health insurance treats the medical problem. Supplemental insurance protects your finances.
If you want real peace of mind — for your family and your wallet — now is the time to get covered.

It only takes a few minutes to protect your ʻohana and secure financial strength when life hits hardest. 💙

808-772-1114
[email protected]

12/01/2025

🎄 Holiday season is here — and so are the unexpected moments. 🎄

Accidents don’t take a holiday, and for many families in Hawaiʻi, this time of year can be the most hectic.
That’s why Globe Life’s Accident Protection Plan is one of the smartest gifts you can give your ʻohana — and yourself.

✔️ Up to $200,000 in Accidental Death coverage
✔️ Affordable plans that cost about the price of a cup of coffee a month
✔️ Financial protection when you need it most
✔️ Peace of mind during the busiest (and craziest!) time of the year

Families are traveling, cooking more, out shopping, working overtime, and driving around in heavy traffic — accidents rise every holiday season. 🌧️🚗

808-772-1114
[email protected]

11/28/2025

Last year, 320,000 Canadians filed bankruptcy due to their medical bills.

Oopsie, I meant Americans. The Canadian number is slightly lower: zero.

11/27/2025