Cynthia Nakaya-The Insurance Lady

05/01/2026

The importance of providing Medicaid dollars to eligible recipients can not be overstated. Kudos to CMS Administrator Dr. Oz for rooting out fraud!

04/09/2026

Question: I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?

Answer: The need for life insurance is not related to Medicare benefits. Social Security pays a one-time death benefit of $255 to spouses or qualifying dependents. This is sometimes mistakenly called the "Medicare death benefit" but has nothing to do with Medicare.
The need for life insurance depends on several factors. Those who have no loved ones to act as beneficiaries don't need a policy. If someone has loved ones who will be responsible for final arrangements, a life insurance policy is invaluable. Even a small benefit is usually sufficient to pay for a basic cremation.
A client of mine passed away on Good Friday. Her daughter called me and was so thankful to find out what the death benefit was. It covers the cremation and has enough left over for a generous donation to an animal rescue organization that my client wanted to give to.
If you are looking for life insurance, make sure the agent you work with is contracted with several companies so you can compare prices. Also, work with an agent who will educate you about the different types of life insurance available. Many products now have living benefits that allow you to take some of the proceeds if you have specified health events.
Please contact me if you have questions.

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03/09/2026

When you think of trafficked victims, this is one thing that would NEVER come to mind!

LYON, France: Human trafficking-fueled scam centres have expanded their global footprint, according to a new crime trend update released by INTERPOL.

02/24/2026

Scams abound by people willing and wanting to steal anything they can. This article highlights the latest Social Security scams:

Protect Yourself from Social Security Scams

02/06/2026

Trump RX is now open. Here's an example of the savings:

01/27/2026

Doctors don't always link symptoms to medicines. Learn and advocate for yourself.

Gabapentin and common medications can cause side effects doctors mistake for new health problems.

12/19/2025

Great news for Americans who take prescriptions!

The companies, including Bristol-Myers Squibb, GSK and Merck, would avoid potential U.S. tariffs in return.

12/08/2025

Be informed and be aware! If you do business with an agent over the phone, get their license number and look them up before giving them your information. Know your agent!

Complaints about Medicare scam calls have surged, with seniors reporting multiple calls daily.

12/07/2025

Wonder why health insurance premiums are so high? Here's one reason:

For plan year 2024, GAO identified almost 66,000 SSNs that had more than 366 days of coverage.

12/07/2025

bisoprolol fumarate and hydrochlorothiazide tablets recalled

The medication, which combines bisoprolol fumarate and hydrochlorothiazide, was recalled nationwide, according to the FDA.

12/06/2025

AEP ends tomorrow! I am available this weekend if you need help.