Voluntary Benefits, Life Insurance and Supplemental Insurance

10/13/2026

🎀 **Breast Cancer Awareness Month: It's Not Just About the Diagnosis.**

When we think about the cost of cancer, we often picture one large medical bill.

But the financial impact can be much broader.

A cancer diagnosis may bring a series of expenses over time, including:

• Doctor visits and specialist appointments
• Diagnostic tests and procedures
• Deductibles, copays, and coinsurance
• Prescription medications
• Transportation, parking, and possible lodging
• Childcare and other family expenses
• Time away from work and lost income

Even with health insurance, these additional costs can put pressure on a household budget—at a time when a person and their family already have so much to navigate.

🎀 **That's why financial preparedness deserves a place in the conversation about cancer.**

This month, I encourage everyone to ask three simple questions:

✔️ Do I understand what my health insurance covers—and what it doesn't?

✔️ Do I know how I would manage expenses that come out of my own pocket?

✔️ Have I considered whether additional financial protection could be helpful for my circumstances?

This is one reason supplemental cancer-care insurance may be worth exploring as part of an overall financial plan. Depending on the policy, it can provide additional benefits when covered circumstances occur. Understanding the details, limitations, and exclusions is essential.

My goal isn't to create fear or pressure anyone into a decision. It's to help people have informed conversations and consider their options **before they need them.**

If you'd like to learn more about the Cancer Care Plan I offer, I'm happy to have a no-pressure conversation.

🎀 **Preparation isn't pessimism. It's being proactive.**

Learn more at **www.seraphimwood.com**

10/10/2026

🎗️ HUMANIZE THIS! 🎗️

Two words. One powerful message. A mission I’m taking with me. 💙

I’m so grateful to have attended an educational program this morning on the REALITIES of cancer.

Of all the powerful messages shared, the phrase that stayed with me most was:

✨ “HUMANIZE THIS!” ✨

Because behind every statistic is a HUMAN BEING. A mother. A father. A spouse. A child. A friend. A colleague. A family whose world can change in an instant.

🎗️ EARLY DETECTION SAVES LIVES!

According to the American Cancer Society, the 5-year relative survival rate for localized breast cancer is greater than 99%—compared with 32% when it has spread to distant parts of the body.

That’s why recommended screenings and timely follow-up matter!

But the cancer journey doesn’t end with diagnosis or treatment. It includes the physical and emotional battles, the challenges of life after cancer, and the heartbreaking reality of losing someone we love.

And there’s another reality we MUST talk about: 💰 THE FINANCIAL IMPACT OF CANCER.

Medical bills. Deductibles. Travel expenses. Lost income. Everyday living costs.

Families shouldn’t have to navigate these financial challenges without understanding what resources and protection may be available.

A HUGE THANK YOU to Kenneth Meier and the incredible team at Aflac for educating people about these realities and helping individuals and families find practical ways to prepare—including financially. 🙏

This is why I’m passionate about educating my family, friends, colleagues, and community about ALL aspects of cancer.

Because this work is about more than insurance.

❤️ It’s about PEOPLE.
❤️ It’s about FAMILIES.
❤️ It’s about PREPARATION.
❤️ It’s about SUPPORT.

And most importantly…

✨ HUMANIZE THIS! ✨

Let’s encourage screenings. Let’s have the difficult conversations. Let’s educate ourselves and those we love.

Early detection saves lives. Education empowers. Preparation matters. And every cancer story deserves to be seen, heard, and understood. 🎗️

10/08/2026

🎀 October 8 — Breast Cancer Awareness Month

Cancer doesn’t always mean one bill.

When we think about the financial cost of cancer, it’s easy to picture one large medical bill.

But the reality can be much more complicated.

A cancer diagnosis can mean a series of expenses over time:

• Doctor visits and specialist appointments
• Diagnostic tests and procedures
• Deductibles, copays and coinsurance
• Prescription medications
• Transportation to and from treatment
• Parking and other travel expenses
• Possible lodging when treatment is farther from home
• Childcare or other family-related expenses
• And potentially time away from work

None of these expenses alone may seem overwhelming.

But when they begin adding up—while you’re already dealing with the physical and emotional challenges of cancer—the financial impact can become significant.

🎀 That’s why financial preparation matters.

Your health insurance is an important part of your protection. But it’s worth understanding what it covers, what it doesn’t, and what additional financial resources you might want available if a serious illness occurs.

This month, I’m not trying to convince anyone that they need a particular insurance product.

I’m encouraging people to ask better questions before they need the answers.

One of those questions is:

“If cancer affected my life tomorrow, how would I handle the costs that my health insurance doesn’t cover?”

That’s a conversation worth having.

If you’d like to talk through the financial side of cancer—including how supplemental cancer-care coverage can fit into an overall protection plan—I’m always happy to have a no-pressure conversation.

www.seraphimwood.com

🎀 Think Pink. Think Prepared.

10/07/2026

🎀 October 7 — Breast Cancer Awareness Month

What’s the difference between a deductible, a copay and coinsurance?

These terms are easy to overlook—until you actually need to use your health insurance.

Your deductible is the amount you may have to pay for covered healthcare expenses before your insurance begins sharing those costs.

A copay is typically a set amount you pay for a covered service.

Coinsurance is generally the percentage of a covered expense you pay after meeting your deductible.

Why does this matter when we’re talking about cancer?

Because a cancer diagnosis can involve multiple appointments, tests, treatments and prescriptions, potentially creating significant out-of-pocket expenses even when you have health insurance.

And those costs can come at the same time you’re dealing with the emotional and physical challenges of treatment.

🎀 So here’s today’s reminder:

Don’t just know that you have health insurance.

Know how your health insurance works.

Take a few minutes to look at your deductible, copays, coinsurance and out-of-pocket maximum. Understanding those numbers today can help you make better financial decisions tomorrow.

And once you understand what your health insurance does, it’s worth asking another question:

“What financial protection do I have beyond my health insurance if cancer enters my life?”

That’s where supplemental cancer-care coverage may be worth considering as part of an overall financial protection strategy.

I’m spending October talking about these issues—not to scare anyone, but to encourage people to prepare before they need to.

If you’d like to have a no-pressure conversation about the financial side of cancer and the options available, I’m always happy to talk.

www.seraphimwood.com

🎀 Think Pink. Think Prepared.

10/06/2026

🎀 October 6 | Breast Cancer Awareness Month: Know Your Deductible

If you were diagnosed with cancer tomorrow, would you know how much you’d have to pay out of pocket before your health insurance starts covering costs?

Your deductible is an important number to know—and it’s worth understanding before you ever need medical care.

Depending on your health insurance plan, you may be responsible for paying a certain amount toward covered healthcare expenses before your plan begins sharing those costs.

And even after meeting your deductible, copays, coinsurance, and other expenses may still apply.

Now imagine facing those expenses while also trying to manage appointments, treatment, family responsibilities, and possibly time away from work.

It’s a lot to think about.

That’s why I encourage everyone to take a few minutes to review their health insurance and understand what their coverage actually means for their household finances.

And it’s also worth asking yourself:

“If a serious diagnosis affected my finances, what additional protection might I want in place?”

This is one reason supplemental cancer-care insurance may be worth exploring as part of an overall financial protection plan. The right choice depends on your individual circumstances and the policy’s terms.

My goal this month isn’t to create fear. It’s to encourage conversations that can help people make informed decisions before they need to.

🎀 Preparation isn’t pessimism. It’s being proactive.

Learn more at www.seraphimwood.com

10/05/2026

🎀 October 5 — Does health insurance mean you have no financial burden?

We often hear:

“I have health insurance, so I’m covered.”

And having health insurance is an incredibly important part of protecting yourself and your family.

But “covered” doesn’t necessarily mean everything is paid for.

Depending on your plan, you may still have:

• Deductibles
• Copays
• Coinsurance
• Prescription costs
• Out-of-pocket expenses
• Travel or transportation costs related to treatment
• Other expenses that aren’t covered by your health plan

A cancer diagnosis can bring many of these expenses together at a time when you’re already dealing with enough.

That’s why it’s worth understanding exactly what your health insurance covers—and what you could still be responsible for paying.

Don’t wait until you’re facing a diagnosis to find out.

Knowing your coverage today is part of being financially prepared for tomorrow.

🎀 This October, let’s talk about the financial side of cancer—not to create fear, but to encourage preparation.

10/02/2026

October is Breast Cancer Awareness Month.

We talk a lot about the physical and emotional impact of cancer. But there's another part of cancer that doesn't always get talked about: the financial impact.

A cancer diagnosis can mean medical bills, deductibles, copays, prescriptions, transportation, time away from work—and expenses you simply didn't anticipate. And having health insurance doesn't necessarily mean having zero out-of-pocket costs.

This month, I'm going to spend some time talking about something I believe deserves more attention: How do we financially prepare for the possibility of cancer?

Not because we expect cancer.

Because preparation is easier before you need it.

09/23/2026

I’m pleased to once again participate in Senator Bill Weber’s Annual Senior Fair, marking my fourth consecutive year attending this important community event.

With a record 179 vendors participating this year, the Senior Fair provides an incredible opportunity for older adults to connect with essential services, health screenings, government resources, and organizations serving our community.

I’m proud to be there to share information about access to affordable dental care and to reinforce an important message: oral health is an integral part of overall health and quality of life, particularly as we age.

Events like today’s Senior Fair demonstrate the value of bringing community organizations, healthcare resources, government services, and residents together in one place. Access to information and resources can empower seniors to make informed decisions about their health and well-being.

My thanks to Senator Bill Weber and his team for their continued commitment to our senior community and for organizing an event that grows stronger each year.

I look forward to another productive day of connecting with seniors, sharing resources, and supporting better access to oral healthcare throughout our community.

09/22/2026

09/03/2026

I am pleased to announce my new partnership:

Expense Reduction Coaching is dedicated to finding savings in the costs that usually sit below management's radar — telecom, merchant processing, office supplies, payroll services, insurance, utilities, taxes, and dozens of other indirect categories.

Seraphim Wood Solutions and ERC have partnered so Seraphim's clients have access to a complimentary, no-risk cost-reduction assessment. If savings are found and implemented, ERC is paid from those savings. If not, you owe nothing.

If you would like a consultation with an ERC representative, enter your information and we will follow up to schedule a time.

No cost or risk — we only get paid when you save.
Very frequently, savings come from your existing vendors.

Request a complimentary consultation. ERC helps reduce indirect expenses up to 75% in 40+ cost categories — with no cost or risk to your business.