Jeff OKeefe, US Health Advisors

11/09/2023

I am now 10 days into open enrollment for coverages for 2024, and what I am typically finding is that most states, including Oklahoma are having a minimum 9% increase in rates. Just another thing to go up right? We need to have a conversation...whether you get it through work and your spouses rates are crazy because of it (you can split them and your kids off to save money), if you own your business, or you are an independent contractor. Let's talk!

10/25/2023

Hey there! I just wanted to put a bug in your ear. I have made some exciting decisions in my business lately. I am currently offering several different options for your health insurance coverage. If you are currently self employed, own a small business with employees, or are having to go the ACA for coverage...let's have a conversation. I have access to more plans than I can even comprehend, a lot of them with $0 Copays and $0 out of pocket expenses. It's all about your best rate and the most coverage. Open enrollment is right around the corner, and navigating that stuff can be tricky. Text me at 918-408-6781

02/16/2023

This morning I was leaving the school drop off line, and saw a man committed to his love.💙 It was 33* this morning, and my dude was on his Harley. 🏍In a hoodie and no gloves. Big homey was going for it.

It got me thinking...it will be soon that we see a lot more hitting the roads again. We have already had a couple warm weekends recently too. So be aware...both riders and drivers. Share the road.

I also have very competitive rates for your motorcycle coverage so reach out here or call me at 918-438-7463

11/23/2022

Thanksgiving is in the Top 3 of my favorite holidays. Kind of almost 1A and 1B with Christmas because the best food is brought out for these. Yes, I went there on the grub! Sure, I like seeing family and everything. But when someone shows up with a casserole or a dessert, well come right in!!!

I am going to pick up pies for tomorrow after work today. Let's just say I MAY have gone a tad bit overboard. If you were at my dinner, what are you scarfing down?

Pumpkin 🧅
Pecan 🫘
French silk 🍛
Apple 🍎

11/21/2022

11/04/2022

As I am sure you are aware, Daylight Savings Time will end this weekend. Of course, lots of people will "REMIND" you to turn your clocks back. Yeah, you don't have to do that. Your phone, tablet, tv, smart watch, etc. will all do it for you. Also, you can live fast and loose like I do and never touch your microwave and stove clocks. Let your kitchen be an hour in the future! 🤣

With that added hour of sleep Sunday morning, comes a harsh reality Monday evening when you are leaving work...it's getting darker earlier. Make sure your headlights and taillights are in good working order. This time of year always sees an increase in the amount of accidents on the road due to lowered visibility. If you drive one of the turnpikes like I do, you know there is limited lighting and that doesn't help either.

Let's take a look at your policy and make sure you are covered properly for that fender bender or something worse than that.

11/03/2022

I grew up in a town of about 5,300 people in it. Everyone knew everyone. Of course, as a kid, all I wanted to do was go into Chicago as much as I could. It was 45 minutes away and the bright lights, Cubs baseball, and it had so much to do. That's how suburban kids grew up. Like Luke Skywalker...always looking ahead, never his thoughts on were he was!

So living in Broken Arrow now, I can see the appeal of a smaller community. And when the community gets to flex, it makes me smile. As I drove out of my neighborhood this morning to take my daughter to school, I always see the new Aldi at 121st and Elm. I have been looking forward to this for a few months as I watched the daily progress of the build. I mean it's across the street from my house! Apparently I wasn't the only one looking forward to it! There shouldn't be a question if this will survive in South BA based on the turnout early this morning.

10/17/2022

This week is National Teen Driver Safety week. As your kids hit the road every morning, you do your best to monitor them and their safety, but there is only so much you can do. Life360 is a great app to track locations and speeds of the trips they are taking. I love that app. What else can you do though?

Use the Farmers Signal app! This will alert emergency services of a crash, it will also track how many times they use the phone touching the screen. Bluetooth calls are not tracked because they are using the device properly. It has lots of other great features that can help you as a parent. Using the app can also get you at least a 5% discount on your auto policy just for having it on your phone. The better the driver your child is, the bigger the discount can get. Let's talk about it now.

10/15/2022

Here comes my rant....apologies in advance. I got some mail yesterday that at first I thought was pretty funny, then as I started thinking about it I realized something. That it wasn't funny at all. It's actually pretty alarming. I have an old Fidelity account from a previous employer. There isn't much in there, and it's a Fidelity account, so it isn't going anywhere. 6 months ago, I thought I would do something with it but just decided it wasn't worth the effort right now, I will deal with it later.

So the statement comes in yesterday and I opened it. The account has lost over half it's value in less than 6 months!!! I couldn't believe it. It was eye opening to say the least. If I was depending on that account for my retirement, I would be beyond screwed. And working somewhere as a greeter in my 70's. Sure it has nowhere to go but up, but how long is it going to take to recoup my losses?

That loss is EXACTLY what is happening to your 401K. Your retirement profile needs to have several branches to it. One of them that is very important to add is an Indexed Universal Life policy. I know I talk about these a lot, but there has never been a product I have sold in all my professional years of working that I believe in more than this. You will be saving for retirement, being able to use the money from while you are living and it continues to grow. You will be building generational wealth for your family. And most importantly, protecting your loved ones in the event of your untimely passing. These policies can be tailored and customized to each person and family. People spend more money on coffee and meals out every month than they do protecting their families ability to provide income for their family!

If you take anything away from this, or even have questions as to how this works, lets talk! Don't wait either. With every day that goes by, it will cost a little bit more to provide that security your family needs. Thanks for hearing me out!

09/28/2022

Finally! Some relief has started to kick in on the housing market. There was a slight deceleration in home prices in July, down 2.3% from a year before. That may not sound like much, but it could signal a dip in several areas. One of those is being your home owners insurance.

The cost of materials, labor hours, and several other factors contribute to the cost of your home owners insurance. The value of your home and the cost to rebuild it from the slab up are two entirely different numbers and those numbers mean different things to different people. Having someone on your side, advising you properly on Dwelling coverage, Replacement cost vs. Scheduled Payments, and more is vital to your families protection. We should discuss your options as we enter this final quarter of the year.