Secure Seniors

04/22/2023

From plastic surgery to podiatry to chiropractic care, there are numerous medical services that your Medicare plan does not include.

02/15/2023

Tell me why
YOU DON’T
Need
Life Insurance.

01/15/2023

Do you know…

Let’s stop talking about the 'full retirement age'

01/12/2023

A GoFundme account isn’t a planning tool for your funeral expenses.

What is Final Expense Life Insurance?

Final expense insurance is a whole life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.

Most final expense plans have these features:

Whole life insurance – no expiration if premiums are paid

Cash value – insured may be able to take out a policy loan

Fixed premiums as long as they’re paid

Simplified issue – usually no medical exam (also called a life insurance exam) is required, just health questions on the application

Easy application process

Fast approvals – coverage can often be issued in days

Affordable rates

Feel free to contact with any questions for a hands on informational meeting to answer any and all questions.

01/11/2023

Looking for your copy of Medicare and Me - 2023?

Here you go.

12/27/2022

How do older adults know when the potential benefits from surgery are worth the risks? And what questions should they ask as they try to figure this out? Here, guidance from experts on how to navigate the process with family and doctors.

12/12/2022

When you can answer the question -
“What are you doing for others?'"
You have found your purpose.

12/02/2022

Half of employers who offer retirees health benefits do so through Medicare Advantage plans, up from 26 percent in 2017, according to a report.

11/27/2022

When was the last time you heard from your insurance agent?

11/22/2022

The number one danger to building wealth and creating a legacy is death and taxes. The good news is that permanent life insurance provides protection against both.

The number one danger to building wealth and creating a legacy is death and taxes. The good news is that permanent life insurance provides protection against both. In the following article, we do a deep dive into life insurance taxation to help you make a more informed decision about how you can bes...

11/04/2022

IMPORTANT INFORMATION TO GET YOUR AFFAIRS IN ORDER!!

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death house deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

🚗 TOD = also Transfer on Death your auto title(s). You can do that too. All these things will help your heirs avoid the probate process!

👨‍👩‍👧‍👦 Living Will: Allows one to put in writing EXACTLY what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️ Durable Power of Attorney: Allows one to designate a person to make legal decisions if one is no longer competent to do so.

🏥 Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for their person.

🛍 Last Will and Testament: Designates to whom personal belongings will go too.

🪦 Funeral Planning Declaration: allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳 Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

📂 Make sure your heirs knows where life insurance policies are located.

📝 Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and all passwords! A password keeper will streamline that - only one password needed to access all accounts.

🚗 Make sure you have titles for all vehicles, campers, etc in the SAME PLACE.
Set up a trust for intended beneficiaries that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️I also hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

Do it! Start an important conversation with your loved ones.

10/13/2022

Inflation was still red hot in August, and not-for-profit advocacy group The Senior Citizens League (TSCL) said that it anticipates the Social Security cost-of-living-adjustment (COLA) to be 8.7%,...