John Kohles - American Senior Benefits

John Kohles - American Senior Benefits Securing your future and your family's with comprehensive life and health insurance strategies designed to help you reach your financial aspirations.

Serving Medicare recipients and individuals of all ages seeking life insurance.

09/09/2026

“I don’t need life insurance. I have it through my job.”

I hear this all the time. And while employer provided life insurance is a great benefit, there are two problems with relying on it as your only coverage.

First, it may not follow you... Change jobs, get laid off, or retire, and you could lose that coverage.

Second, it may not be enough... If your employer provides $50,000 or 1 to 2 times your salary, would that really protect your family if something happened to you?

Your mortgage, kids, bills, and future goals don’t disappear when the paycheck does. Think of your work coverage as a bonus, not your entire plan. An individual policy belongs to you, regardless of where you work.

If you have life insurance through your employer, take a few minutes to see if it would actually be enough for your family.

09/08/2026

How much life insurance do you actually need?

09/07/2026

This Labor Day, take a minute to think about what your hard work is really worth. We insure our homes, cars, and even our phones. But what about the income that pays for all of them?

A 35 year old earning $75,000 a year could earn more than $2.25 million before retirement. That income pays the mortgage, puts food on the table, funds college, and builds your family’s future.

Your biggest financial asset may not be what you’ve already saved. It may be what you’re still capable of earning.

September is Life Insurance Awareness Month.

Take a few minutes today and ask yourself... If my paycheck stopped tomorrow, would my family still be okay?

09/04/2026

Leaving a farm or business behind...?

09/03/2026

If you have a child or loved one with special needs, how you leave them money matters.

Leaving an inheritance directly to them could affect their eligibility for important benefits like SSI or Medicaid.

One strategy families may consider is combining a Special Needs Trust with life insurance.

The trust is established to hold and manage the money for your loved one without placing the assets directly in their name.

Then, a life insurance policy can be structured so that the death benefit funds the Special Needs Trust when you pass away.

That money can then help provide for things like housing, care, education, transportation, and other quality of life needs, while helping preserve access to important government benefits.

It’s not just about leaving money behind.

It’s about creating a plan to help make sure your loved one is cared for long after you’re gone.

If you have a child or family member with special needs, let’s talk about how life insurance and a Special Needs Trust could potentially work together.

09/02/2026

If you own a business with a partner, ask yourself this... What happens if your partner dies tomorrow?

Do you really want to be in business with their spouse or family?

A properly funded Buy Sell Agreement can help prevent that.

Life insurance can provide the money needed to buy out a deceased partner’s share of the business without draining the company’s cash or taking on new debt.

It protects the business, your partnership, and your partner’s family.

If you have a business partner, is your buy sell agreement properly funded?

Send me a message and let’s take a look.

09/01/2026

Life insurance on your ex?

09/01/2026

Did you co-sign a loan for your adult child or grandchild?

Maybe it was a private student loan, auto loan, or another major purchase.

Here’s something you may not have thought about... If something happens to them, you could be left responsible for the remaining debt.

One way to protect yourself is with a simple term life insurance policy on the person who has the loan.

The policy can be designed to cover the loan balance and the length of the loan, helping keep that debt from becoming your financial burden.

You helped them get started. Make sure that generosity doesn’t put your own financial future at risk.

08/28/2026

Who is going to step up?

08/27/2026

I hear this a lot: “If I ever need long term care, I’ll just use my investments.”

But have you ever looked at what that could actually mean?

If you pull $100,000 a year from an IRA or 401(k) to pay for care, that money will likely count as taxable income. This mean paying more in taxes and potentially paying more for Medicare Part B and D because of IRMAA.

Now compare that to having a dedicated long term care strategy.

A properly designed asset based policy can provide benefits that are generally income tax free for qualified long term care expenses, while allowing your retirement savings to remain available for other needs.

The question isn't just... “Can I afford long term care?”

It's... “What will paying for it do to the rest of my retirement plan?”

If you want to see what a long term care expense could look like for your retirement, send me a message. Let's run the numbers.

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6333 Apples Way Ste 117
Lincoln, NE
68516

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