When Do You Need to Change Your Life Insurance Policy?

September is Life Insurance Awareness Month! When you decide to get life insurance, you’re essentially looking beyond yourself. You understand that life insurance is necessary to protect your family after you’re gone. Sometimes, however, circumstances change, and you have to make changes to your policy to ensure your goals are achieved. READ MORE

Open Enrollment is Approaching!

In order to help you prepare for Open enrollment for 2019 we want to provide you with some important information. This year there may be plan changes, rate changes, and to prepare you for this, we have created a few educational events for you to attend. READ MORE

Long-Term Care Insurance May Help Offset Medical Costs.

Long-term care insurance may provide the bridge to help people pursue successful retirements. Long-term care insurance helps cover treatment costs for chronic diseases, help retirees fill the health-care gap Medicare doesn’t cover, fill those unforeseen coverage areas without affecting Medicare eligibility. READ MORE 

Upcoming Open Enrollment Educational Events!

How much is your health plan costing you? The Ins and Outs of Open Enrollment- RESERVE YOUR SPOT
Solving the Medicare Puzzle, Medicare Made Easy- RESERVE YOUR SPOT

Resources For You!

59 1/2 Why is This Age So Important?-

What happens at 59 1/2? Plenty. You can add more to your retirement fund. You can make early withdrawals from your retirement savings without penalties. You’re six years from your full retirement age. And you’ve lived through some of the most exciting and challenging times in modern history. You may not be aware of all the advantages available to you. DOWNLOAD NOW


Important Financial Strategies to Help You Find Prosperity In Your 20s and 30s-

20 and 30-somethings have very different personal finance and investing priorities than their parents. We wrote this whitepaper to help individuals in their 20s and 30s navigate the world of investing and personal finance, and to help them start thinking seriously about their financial future. DOWNLOAD NOW



Get What’s Yours for Medicare-

Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up.

Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Get Your Copy


“If plan A fails, remember there are 25 more letters.”

Chris Guillebeau

Water: the Elixir for Healthy Living?

Fruits, vegetables, exercise, fresh air, adequate sleep, and plenty of water. They’re all good for healthy living, right? While fitting adequate exercise, sufficient sleep, and healthy foods into our daily routines can be challenging, nearly everyone has taken up the call to drink lots of water.

So, what’s the scoop on water? Why is it so important?

Some medical authorities say the widely cited rule about drinking at least 8 glasses of water per day is a guideline and is not based on scientific evidence.

But wait, health experts say. Don’t put down that water bottle yet.

“Think of water as a nutrient your body needs that is present in liquids, plain water, and foods,” said Joan Koelemay, a dietitian for the Beverage Institute.

Here are 5 reasons to make sure you’re getting your daily water intake:

1. Drinking water maintains your body fluid balance. Your body is 60% water. “Through the posterior pituitary gland, your brain communicates with your kidneys and tells it how much water to excrete as urine or hold onto for reserves,” said Dr. Steven Guest, a nephrologist with Oakland, California-based Kaiser Permanente.

2. Drinking water may help you lose weight. Compared to other drinks, water has no calories.

3. Drinking water gives your muscles energy. “When muscle cells don’t have adequate fluids, they don’t work as well and performance can suffer,” Guest said.

4. Drinking water improves the look of your skin. “Dehydration makes your skin look more dry and wrinkled, which can be improved with proper hydration,” said Dr. Kenneth Ellner, an Atlanta dermatologist.

5. Drinking water helps your kidneys. “Your kidneys do an amazing job of cleansing and ridding your body of toxins as long as your intake of fluids is adequate,” Guest said.

Tips adapted from WebMD[i]

[i] https://www.webmd.com/diet/features/6-reasons-to-drink-water#1