Life First Insurance

Life First Insurance With a strong background in finance and a deep understanding of the insurance industry, Althea is committed to providing exceptional service and guidance.

We assist with:

Medicare
Health (Individual and Group health)
Life Insurance:
Retirement Planning
Annuities
Life Insurance (Individual, Survivor, and Permanent Life)
Long Term Care
Disability Income Protection Althea Womble - Founder & Insurance Specialist at Life First Insurance Althea Womble is a dedicated and compassionate insurance specialist with a passion for helping individuals and familie

s secure their futures. As the founder of Life First Insurance, Althea brings a wealth of experience and a personal touch to the world of insurance, ensuring that each client receives tailored solutions that meet their unique needs. Her approach is centered around education and empowerment, helping clients make informed decisions about their insurance options. At Life First Insurance, Althea's mission is to prioritize the well-being of her clients by offering comprehensive insurance plans that protect what matters most. Whether you're looking to safeguard your family's future or secure your financial stability, Althea is here to support you every step of the way. Outside of her professional life, Althea is an avid advocate for community involvement and enjoys spending time with her family, exploring new places, and living life to the fullest.

Healthcare = Self-CareGood coverage means peace of mind.�💡 When you know your health needs are taken care of, you can en...
11/14/2025

Healthcare = Self-Care
Good coverage means peace of mind.�💡 When you know your health needs are taken care of, you can enjoy retirement fully.�👉 Let us handle the details while you focus on living life first.
Call or email me at:

Website: https://www.sparkadvisors.com/agents/althea-womble-3817
Email: [email protected]
Phone: (281) 716-5817

MEDICARE: Healthcare = Self-CareGood coverage means peace of mind.�💡 When you know your health needs are taken care of, ...
11/13/2025

MEDICARE: Healthcare = Self-Care
Good coverage means peace of mind.�💡 When you know your health needs are taken care of, you can enjoy retirement fully.�👉 Let us handle the details while you focus on living life first.
Call or email me at:

Website: https://www.sparkadvisors.com/agents/althea-womble-3817
Email: [email protected]
Phone: (281) 716-5817

Common Medicare Mistakes❌ Waiting too long to enroll�❌ Not reviewing plans each year�❌ Assuming “all plans are the same”...
10/30/2025

Common Medicare Mistakes
❌ Waiting too long to enroll�❌ Not reviewing plans each year�❌ Assuming “all plans are the same”�💡 Don’t let these mistakes cost you. Life First Insurance will help you avoid them.
Call or email me at:
Phone: (281) 716-5817
Website: https://www.sparkadvisors.com/agents/althea-womble-3817
Email: [email protected]

09/27/2025

Why Medicare Advantage?
Medicare Advantage plans can offer:�✅ Dental, vision, and hearing coverage�✅ Gym memberships & wellness programs�✅ Prescription drug coverage�. Your health deserves more than the basics.�👉 Ask us how Medicare Advantage could benefit you.

Send a message to learn more

Flower Power Made Our Climate GrowThis is a startling and completely unexpected result. I am totally cognizant of the po...
07/02/2022

Flower Power Made Our Climate Grow

This is a startling and completely unexpected result. I am totally cognizant of the powerful role of transpiration in sustaining rainfall over ecology. The great tropical rainforests are convincing demonstrations. It is core to my proposal to restore the Sahara and the Asian dry lands.

That it was way more difficult before flowering plants was not obvious at all.

This suggests that upland habitat was typically dryer and way more extensive everywhere except local wetlands. Suddenly Northern Australia looks like home to dinosaurs and the whole remnant ecosystem.

This also suggests that flowering plants are way more proficient at absorbing carbon.

The rainforests would likely have been hugely constrained to their best drainage and wetlands with intervening dry highlands. The deserts may not have been much larger but plenty of land would have been seriously marginal. Again think about Australia.

Flower Power Makes Tropics Cooler, Wetter

http://www.sciencedaily.com/releases/2010/06/100616133327.htm

ScienceDaily (July 19, 2010) — The world is a cooler, wetter place because of flowering plants, according to new climate simulation results published in the journal Proceedings of the Royal Society B. The effect is especially pronounced in the Amazon basin, where replacing flowering plants with non-flowering varieties would result in an 80 percent decrease in the area covered by the ever-wet rainforest.

The simulations demonstrate the importance of flowering-plant physiology to climate regulation in an ever-wet rainforest, regions where the dry season is short or non-existent, and where biodiversity is greatest.

"The vein density of leaves within the flowering plants is much, much higher than all other plants," said the study's lead author, C. Kevin Boyce, Associate Professor in Geophysical Sciences at the University of Chicago. "That actually matters physiologically for both taking in carbon dioxide from the atmosphere for photosynthesis and also the loss of water, which is transpiration. The two necessarily go together. You can't take in CO2 without losing water."

This higher vein density in the leaves means that flowering plants are highly efficient at transpiring water from the soil back into the sky, where it can return to Earth as rain.

"That whole recycling process is dependent upon transpiration, and transpiration would have been much, much lower in the absence of flowering plants," Boyce said. "We can know that because no leaves throughout the fossil record approach the vein densities seen in flowering plant leaves."

For most of biological history, there were no flowering plants -- known scientifically as angiosperms. They evolved about 120 million years ago, during the Cretaceous Period, and took another 20 million years to become prevalent. Flowering species were latecomers to the world of vascular plants, a group that includes ferns, club mosses, and confers. But angiosperms now enjoy a position of world domination among plants.

"They're basically everywhere and everything, unless you're talking about high altitudes and very high latitudes," Boyce said.

Dinosaurs walked the Earth when flowering plants evolved, and various studies have attempted to link the dinosaurs' extinction or at least their evolutionary paths to flowering plant evolution. "Those efforts are always very fuzzy, and none have gained much traction," Boyce said.

Boyce and Lee are, nevertheless, working toward simulating the climatic impact of flowering plant evolution in the prehistoric world. But simulating the Cretaceous Earth would be a complex undertaking because the planet was warmer, the continents sat in different alignments, and carbon- dioxide concentrations were different.

"The world now is really very different from the world 120 million years ago," Boyce said.

Building the Supercomputer Simulation

So as a first step, Boyce and co-author with Jung-Eun Lee, Postdoctoral Scholar in Geophysical Sciences at UChicago, examined the role of flowering plants in the modern world. Lee, an atmospheric scientist, adapted the National Center for Atmospheric Research Community Climate Model for the study.

Driven by more than one million lines of code, the simulations computed air motion over the entire globe at a resolution of 300 square kilometers (approximately 116 square miles). Lee ran the simulations on a supercomputer at the National Energy Research Scientific Computing Center in Berkeley, Calif.

"The motion of air is dependent on temperature distribution, and the temperature distribution is dependent on how heat is distributed," Lee said. "Evapotranspiration is very important to solve this equation. That's why we have plants in the model."

The simulations showed the importance of flowering plants to water recycling. Rain falls, and plants drink it up and pass most of it out of their leaves and back into the sky.

In the simulations, replacing flowering plants with non-flowering plants in eastern North America reduced rainfall by up to 40 percent. The same replacement in the Amazon basin delayed onset of the monsoon from Oct. 26 to Jan. 10.

"Rainforest deforestation has long been shown to have a somewhat similar effect," Boyce said. Transpiration drops along with loss of rainforest, "and you actually lose rainfall because of it."

Studies in recent decades have suggested a link between the diversity of organisms of all types, flowering plants included, to the abundance of rainfall and the vastness of tropical forests. Flowering plants, it seems, foster and perpetuate their own diversity, and simultaneously bolster the diversity of animals and other plants generally. Indeed, multiple lineages of plants and animals flourished shortly after flowering plants began dominating tropical ecosystems.

The climate-altering physiology of flowering plants might partly explain this phenomenon, Boyce said. "There would have been rainforests before flowering plants existed, but they would have been much smaller," he said.

Popular thinking about how to improve food systems for the better often misses the point, according to the results of a three-year global study of salmon production systems. Rather than pushing for organic or land-based production, or worrying about simple metrics such as "food miles," the study finds that the world can achieve greater environmental benefits by focusing on improvements to key aspects of production and distribution.
For example, what farmed salmon are fed, how wild salmon are caught and the choice to buy frozen over fresh matters more than organic vs. conventional or wild vs. farmed when considering global-scale environmental impacts such as climate change, ozone depletion, loss of critical habitat, and ocean acidification.
 The study is the world's first comprehensive global-scale look at a major food commodity from a full life cycle perspective, and the researchers examined everything -- how salmon are caught in the wild, what they're fed when farmed, how they're transported, how they're consumed, and how all of this contributes to both environmental degradation and socioeconomic benefits.
Article continues: http://www.sciencedaily.com/releases/2009/11/091124152803.htm
Posted by Justin at 8:23 AM 0 comments

Eating and Living HealthyFood is fuel. Consider the gasoline that you put in your car. The best gasoline treats your eng...
04/08/2022

Eating and Living Healthy

Food is fuel. Consider the gasoline that you put in your car. The best gasoline treats your engine better than the cut rate version at the same station.

In the same way, good foods like fruits and vegetables, proteins in the form of lean meat and nuts will serve your body much better than a diet of highly processed, chemically treated foods that are loaded with sugar.

Benefits

The benefits of choosing an apple and cheese for a snack over a package of donuts are more than just inner maintenance and health.

Your skin looks better. Your weight is manageable. You can concentrate better, sleep more soundly, and in general, have more energy and maintain a happier mood.

Children, teenagers, and pregnant women who are in the processing of growing need to focus their attentions on getting at least 5 servings of fruits and vegetables and eliminating white, processed breads in favor of whole-grain breads.

In general, sugar snacks should be avoided. Fat, on the other hand, should not. If you focus on eating well, a normal amount of fat in your diet is necessary for joint maintenance and skin health.

Have Breakfast

Your body has gone without food or nutrients for at least eight hours while you slept and most of the nutrients have moved out of your system. In order to have the energy and right amount of nutrients to begin your day, breakfast can help with giving the extra boost that you need.

Start the day with a complete and nitrous meal. Fruits and vegetables, as well as grains, can add an extra boost of nutritious value and energy to the beginning of your day. Dairy products and protein can also help to increase your energy levels.

This doesn't mean that you have to have an extra-large meal in the morning, however it does mean that you should find foods that will settle with your stomach and provide a beginning of nutrition for the day.

Eating healthy and watching your weight are not the only things you need to consider in having a healthy lifestyle.

- Exercise. This should be done at least four or five times a week. This helps your body to build muscle in several different areas, helps you to lose weight and can prevent illnesses and disease.

- Take vitamins and supplements. Paying attention to where your body doesn't feel balanced is important as well. Once you have determined this, you can balance it out through vitamins and supplements.

- Sleep. If you are sleep deprived, it causes your body to begin to shut down. Make sure that you feel rested and are getting the right amount of sleep. This will allow your body to work at a consistent and full speed every day.

Make a Plan

Healthy living starts with recognizing how you are living currently.

If it helps you, keep a journal to track how often you eat and how much time and exertion you expend on tasks that raise your heart rate.

From there, you can see more clearly where you need to cut, add, or alter your current living patterns.

By Mike Herman

CMS Press ReleaseAhead of January 15th Open Enrollment Deadline, New Numbers Show 14.2 Million Americans Have Quality, A...
01/13/2022

CMS Press Release
Ahead of January 15th Open Enrollment Deadline, New Numbers Show 14.2 Million Americans Have Quality, Affordable Coverage - Many With Even Lower Deductibles Under the American Rescue Plan
Jan 13, 2022
• Affordable Care Act
Today, Health and Human Services (HHS) Secretary Xavier Becerra and the Centers for Medicare & Medicaid Services (CMS) Administrator Chiquita Brooks-LaSure are making one final nationwide reminder to get Americans to sign up for quality, affordable health insurance on Healthcare.gov before the January 15, 2022 Open Enrollment deadline. This announcement is bolstered by a new HHS report that shows the majority of consumers enrolled in Affordable Care Act (ACA) coverage on HealthCare.gov have deductibles under $1,000 thanks to the ACA’s cost-sharing reductions (CSRs). The report, produced by HHS's Office of the Assistant Secretary for Planning and Evaluation (ASPE), shows that CSRs provide substantial financial protection to eligible Marketplace enrollees by lowering deductibles, co-payments, and out-of-pocket maximums. And now, thanks to the general financial assistance under the American Rescue Plan (ARP), many enrollees are likely to find quality, affordable coverage with even lower deductibles.
“Health coverage should not make or break anyone’s bank, particularly amidst a once-in-a-generation pandemic,” said Health and Human Services Secretary Xavier Becerra. “As this report shows, people across America can buy high quality health insurance for historically low prices, thanks to the American Rescue Plan and the Affordable Care Act. The Biden-Harris Administration will continue to build on the success of these important laws to ensure health care is accessible to everyone who needs it. We urge everyone to sign up for affordable health coverage by the January 15 deadline.”
Today, Health and Human Services (HHS) Secretary Xavier Becerra and the Centers for Medicare & Medicaid Services (CMS) Administrator Chiquita Brooks-LaSure are making one final nationwide reminder to get Americans to sign up for quality, affordable health insurance on Healthcare.gov before the January 15, 2022 Open Enrollment deadline. This announcement is bolstered by a new HHS report that shows the majority of consumers enrolled in Affordable Care Act (ACA) coverage on HealthCare.gov have deductibles under $1,000 thanks to the ACA’s cost-sharing reductions (CSRs). The report, produced by HHS's Office of the Assistant Secretary for Planning and Evaluation (ASPE), shows that CSRs provide substantial financial protection to eligible Marketplace enrollees by lowering deductibles, co-payments, and out-of-pocket maximums. And now, thanks to the general financial assistance under the American Rescue Plan (ARP), many enrollees are likely to find quality, affordable coverage with even lower deductibles.
“Health coverage should not make or break anyone’s bank, particularly amidst a once-in-a-generation pandemic,” said Health and Human Services Secretary Xavier Becerra. “As this report shows, people across America can buy high quality health insurance for historically low prices, thanks to the American Rescue Plan and the Affordable Care Act. The Biden-Harris Administration will continue to build on the success of these important laws to ensure health care is accessible to everyone who needs it. We urge everyone to sign up for affordable health coverage by the January 15 deadline.”
“Thanks to the Biden-Harris Administration and the greater financial assistance under the American Rescue Plan, most enrollees now have access to lower cost-sharing in the Marketplaces,” said CMS Administrator Chiquita Brooks-LaSure. “This ASPE report validates the remarkable impact of the ACA and the American Rescue Plan for people who need quality health care coverage. Consumers still have time to take advantage of this financial help by enrolling before January 15.”
The ASPE analysis of CMS data from the 2021 Open Enrollment Period (OEP) shows that just over half (51 percent) of HealthCare.gov consumers who enrolled during the 2021 OEP received CSRs, making plans with CSRs the typical selection in HealthCare.gov. Silver metal tier plan deductibles after CSRs among HealthCare.gov enrollees decreased from $1,000 to $750 between 2017 and 2021, prior to implementation of the ARP. CSRs are generally available to consumers with incomes up to 250 percent of the federal poverty line (for example, for 2022, for most states $32,200 for a single adult and $66,250 for a family of four).
Among new consumers enrolling through the 2021 HealthCare.gov Special Enrollment Period, the median deductible fell from $450 to $50 after the ARP premium reduction provisions were implemented on April 1, 2021, indicating that most new consumers are opting into generous silver plans with CSRs.
Over the past decade, deductibles have generally been rising in private insurance plans, but today more than half of Marketplace enrollees receive the ACA's generous CSRs, and for plans with CSRs, median deductibles have been decreasing year-over-year. HealthCare.gov enrollees with CSRs generally have smaller deductibles than those with employer coverage; where employer coverage deductibles averaged over $1,400 in 2021. By offering even greater financial assistance to consumers, the ARP has led to a shift towards plan enrollment with lower deductibles.
The latest data shows that more than 14.2 million people have selected plans for 2022 health coverage since the start of the 2022 OEP on November 1, 2021. This includes over 10 million people selecting plans or being automatically re-enrolled in Marketplace coverage through January 12, 2022 in the 33 states with Marketplaces using HealthCare.gov. The 17 states and the District of Columbia with State-based Marketplaces (SBMs) that use their own platforms reported to CMS that through January 8, 2021, 4.2 million selected plans or were automatically re-enrolled in a plan for 2022 health coverage.
There is still time to select a quality health insurance plan for the new year. The Biden-Harris Administration extended this year’s HealthCare.gov OEP until January 15, 2022, for coverage starting on February 1, 2022, to give an extra month to sign up for affordable and comprehensive coverage.
Consumers can visit HealthCare.gov and CuidadoDeSalud.gov or call 1-800-318-2596 to fill out an application. To find local help consumers should go to https://localhelp.healthcare.gov. Consumers in states with SBMs should visit their Marketplace for additional information on coverage deadlines.
Read the new ASPE report https://aspe.hhs.gov/reports/marketplace-deductibles-federal-platform-2017-2021.
# # #
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12/02/2021

Medicare
Get Medicare Help Now ⟶

New to Medicare? OR Turning 65? We can help.

Explore 2022 Medicare plans in Texas with a licensed insurance agent in your local area. In addition to offering quotes from multiple carriers, my consultations are completely free and there’s absolutely no obligation to enroll. (832) 458-1022 Contact me today!

Please click on this link to review benefits for your 65 and over Mom and Dad or loved one.
https://www.sunfirematrix.com/app/consumer/advocatehealthllc/19403817/

Learn More:
Althea Womble, the licensed insurance agent in your area of TEXAS, at (832) 458-1022 or Email: [email protected]
If you would like to learn more about us, click the link below to check out our website! https://life-first-insurance-13.webselfsite.net

Address

8765 Spring Cypress Road , Suite L305
Spring, TX
77379

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