Income Insurance Agency

09/02/2026

🏢 Have life insurance through your employer?

That is great—but ask yourself:

❓ How much do I have?
❓ Can I take it with me?
❓ Is it enough for my family?

It is worth knowing before you need it.

09/02/2026

09/01/2026

💚 September is Life Insurance Awareness Month!

If something changed tomorrow, would your life insurance still protect the people who depend on you?

🛡️ A simple review can provide some valuable answers.

08/31/2026

If you are planning to “self-insure” long-term care, ask yourself one more question.

How much of the risk do you really want your family to carry?

Long-term care is not only about whether you have enough assets to write the check.

A care event may also affect:

👨‍👩‍👧 Your spouse
👩‍💼 Your adult children
🏠 Where you can receive care
⏰ How much time family members spend caregiving
💰 How quickly other resources are used

Recent family stories show care costs reaching $10,000 a month or more—and the financial impact often reaches far beyond the person receiving care.

Long-term care insurance does not have to replace every dollar of the risk.

It may be used to transfer a portion of the risk and help preserve more choices about where care is received and who provides it.

If you are 50 or older, now is a good time to understand what individual long-term care and short-term care insurance options may be available while your health may still give you more choices.

📞 Contact Chris Liebum to learn more.

08/28/2026

💵 When your paycheck stops, where does the next paycheck come from?

That question is receiving a lot of attention.

LIMRA reported a record $123.9 billion in U.S. annuity sales during Q2 2026, with first-half sales also reaching a record.

Annuities are insurance contracts, and different contracts can serve very different purposes.

A good educational discussion should include:

🛡️ What is guaranteed
💵 How income is calculated
⏳ When income can begin
👥 Whether it continues for one life or two
📄 Liquidity and surrender provisions
❤️ What happens at death

👉 Would you like to see what protected income might look like alongside Social Security or a pension? Contact me and I can prepare an educational income illustration.

08/27/2026

❤️ When one spouse dies, household income can change immediately.

One Social Security payment may disappear.

But what happens to:

🏠 The mortgage or housing cost?
🚗 Car expenses?
💡 Utilities?
🏥 Medicare premiums?
📄 Required distributions?
🧾 Filing status?

This is why I call it the Widow’s Income Cliff.

The surviving spouse may have less income while many expenses remain surprisingly similar.

And the death of a spouse is also one of the life-changing events SSA recognizes for a possible new IRMAA determination when household income falls.

👉 Married couples: contact me and let’s identify which income continues, which income stops and what insurance protection would remain for the surviving spouse.

08/26/2026

🏥 Your Medicare premium can be based on income from two years earlier.

For 2026, the standard Medicare Part B premium is $202.90 per month.

IRMAA begins above:

👤 $109,000 for single filers
👥 $218,000 for married couples filing jointly

Higher income can increase both Part B and Part D costs.

But there is something many people do not realize:

Certain life-changing events may allow Social Security to use more recent income information.

Examples include:

💼 Work stoppage
⬇️ Work reduction
❤️ Death of a spouse
📄 Divorce
💵 Loss of pension income

👉 Received an IRMAA notice or getting close to Medicare? Contact me. I can help you understand the two-year lookback and when Form SSA-44 may apply.