Purushotam Shrestha-Financial Professional

11/03/2025

🗓️ Open Enrollment Starts Nov 1st!
It’s time to secure your 2025 health coverage through the ACA Health Insurance Marketplace.
Why Connect With Me Now?
✅ Lower Cost: See if you qualify for significant subsidies (tax credits) that can drastically reduce your monthly premium.
✅ Free Guidance: My service as a local, certified agent is 100% FREE to you. I compare every plan to find your best fit.
The deadline for January 1st coverage is December 15th! Don't risk missing it.
➡️ READY TO ENROLL?
Send a quick private message or comment "PROTECT" below to start your free review today!

11/02/2025

🗓️ Open Enrollment Starts Nov 1st!

It’s time to secure your 2025 health coverage through the ACA Health Insurance Marketplace.

Why Connect With Me Now?

✅ Lower Cost: See if you qualify for significant subsidies (tax credits) that can drastically reduce your monthly premium.
✅ Free Guidance: My service as a local, certified agent is 100% FREE to you. I compare every plan to find your best fit.

The deadline for January 1st coverage is December 15th! Don't risk missing it.

➡️ READY TO ENROLL?
Send a quick private message or comment "PROTECT" below to start your free review today!

10/26/2025

URGENT 2026 HEALTH PLAN ALERT:
Your Premiums are Changing. Let’s Talk Now. ⚠️

To My Valued Clients:

As your dedicated Health Insurance Agent, I want to ensure you are fully prepared for the significant cost increases coming to the ACA Marketplace (and off-exchange plans) for 2026 coverage.

This is NOT a year to let your plan auto-renew.

The financial changes are too big to risk it.

Here is the Critical Information You Need to Know:
The Enhanced Subsidies are Expiring: The increased financial assistance that has kept your premiums low since 2021 is set to end on December 31st.

The Impact: Your monthly premium, even for the same plan, is projected to increase dramatically—potentially more than doubling for many families.

Premiums and Deductibles are Rising: Even before factoring in the loss of subsidies, overall plan costs are rising. Gross premiums are increasing by an estimated 15-20% nationally, and the maximum out-of-pocket limit is also set to increase substantially to $10,600 for individuals.

Action is Required for $0 Premium Plans: If you are currently on a $0 monthly premium plan, you will likely be required to actively verify your income during Open Enrollment to maintain your full premium tax credits. Inaction could result in a new monthly fee or loss of subsidies.

🗓️ Key Open Enrollment Dates for 2026 Coverage:
Deadline
November 1, 2025: Open Enrollment Begins (Time to view and compare plans)
December 15, 2025: DEADLINE to enroll for coverage to start on January 1, 2026
January 15, 2026: Final day of Open Enrollment in most states

My Commitment to You:
My job this year is more important than ever: to help you navigate these cost increases and ensure you are not caught off guard by a massive rate hike in January.
We need to treat your renewal like a brand new enrollment, actively comparing all carriers, plan types, and subsidy options to minimize your cost and maximize your benefits.

I am already scheduling 2026 Review Appointments.

Contact me or reply to this message to book a time for your free, personalized review.

Let's make sure you secure the best protection for your budget and your health in 2026.

05/29/2025

Take Control of Your Wealth with Infinite Banking!

What if you could replace traditional banks and have full control of your money 💵 —earning interest while using it at the same time?

With Infinite Banking 🏦 , you can:
✅ Build tax-advantaged wealth through dividend-paying whole life insurance.

✅ Borrow against your policy while your money continues to grow.

✅ Avoid market risks and create steady, predictable financial security.

✅ Fund major purchases, business ventures, and even retirement—all without relying on banks.

🔹 Your Money. Your Rules. Your Future. 🔹

Infinite Banking isn’t just a strategy—it’s a mindset shift that keeps your wealth working for you!

📞 Text me to start building financial freedom today!

05/24/2025

Secure Your Future—Roll Over Your 401(k) to an IRA with Guaranteed Lifetime Income!

Worried about market volatility? With our IRA rollover, you’ll enjoy:
✅ Guaranteed lifetime income—steady, predictable earnings for retirement.
✅ Market risk protection—shield your savings from downturns.

Your retirement should be stress-free and secure. Take control of your financial future today!

Don’t wait—peace of mind starts now! 🚀

Let’s chat for more details

05/17/2025

RETIREMENT PLANNING

Do your retirement plans designed to provide guaranteed lifetime income, even if your savings run out, while also offering market risk protection, bonuses on contributions, and compounding growth?

If you’re getting close to retirement (read: 0-10 years out), you need to make sure your retirement date DOESN’T shift because you lost too much money in the market! I can definitely help!

If you have an old 401(k) or IRA that you want to make sure is still there when it’s time to retire, I can help with that!

Let’s chat! If this sparks your interest but you don’t know if it’s right for you—no commitments! Let’s chat!

05/17/2025

WHAT IS VISITOR INSURANCE ?

Visitor insurance is a type of travel medical insurance designed for people visiting a foreign country, particularly the U.S. It helps cover unexpected medical expenses, emergency treatments, and other travel-related risks.

Insubuy is the one of the best and popular visitor insurance providers, which offer various plans tailored to different needs, such as coverage for pre-existing conditions, trip interruptions, and medical evacuations. Forbes also has a list of the best travel medical insurance options for visitors to the U.S.

Are you looking for coverage for yourself or someone else? I can help you compare plans based on your needs!

Visitors insurance for relatives visiting USA, international travel medical insurance for tourists, international students, exchange visitors, new immigrants and travel insurance

05/12/2025

Understanding the Infinite Banking Concept

The Infinite Banking Concept is a financial strategy that allows individuals to take control of their finances by using a specially designed whole life insurance policy as a personal banking system. Rather than relying on traditional banks for loans and financing, IBC is about building a self-sustaining financial system where you recapture the interest that you are paying to banks and finance companies for the major items that we need during our lifetime.

Here’s how it works:

1. Start with a Dividend-Paying Whole Life Insurance Policy
The platform of IBC is a specially designed whole life insurance policy from a mutual insurance company. Unlike term life insurance, which only provides a death benefit, whole life insurance accumulates cash value over time.

2. Build Cash Value
Each time you make a premium payment, the policy cash surrender value increases. This cash surrender value serves as the collateral for "policy loans."

3. Borrow Against Your Cash Value
Once your policy has built up cash surrender value, you can borrow against it instead of taking a loan from a bank. These loans are unique because:
You are borrowing from yourself, not a financial institution.
Your money continues to grow even while you’re using it.
There are no credit checks or repayment schedules imposed on you.

4. Repay Yourself and Recapture the Interest
When you take a loan from the insurance company that issued your policy, you set your own repayment terms. Instead of paying interest to a bank, you pay it back into your policy, strengthening your financial system.

5. Repeat the Process for Financial Freedom
By consistently using your policy for major expenses—such as cars, education, business investments, or real estate—you eliminate dependence on banks and grow a personal financial system that works for you.

Let’s chat for more details and illustrations.

05/09/2025

Get more with Forester Membership

Most people buy a life insurance policy and put it in a drawer until something bad happens.

Not with Foresters Financial™ membership. We offer member benefits1 you can use from day one to make your life better. Above and beyond life insurance.

05/04/2025

Visitors insurance for relatives visiting USA, international travel medical insurance for tourists, international students, exchange visitors, new immigrants and travel insurance