Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.
Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Medicare Insurance
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
Mortgage Protection Insurance
The Insurance of yesterday was payable only one way, upon the death of the policy owner. The Insurance of today is designed to provide assistance to the living. Sadly, unforeseen situations happen un-announced. Diagnosis of cancer, sudden stroke, pandemic diseases and other things that no one asks for but truly change the direction in what will need to happen the following day and all days thereafter. Chronic, critical and terminal illnesses are provided with Mortgage Insurance so that those living won't have to worry about losing what the family has worked so hard to secure.
Final Expense Insurance
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Your family will always come first. You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it's absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your individual needs.
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Feel free to design your own policy or create your own quote to fit your budget at: https://agents.ethoslife.com/invite/8d6932
Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. Book a personal 30-minute Q+A appointment now! https://calendly.com/johnsons2insThere will never be a charge for our assistance or for a friendly, no-obligation chat.
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HELLO October!Welcome to American Senior Benefits October 2024 Newsletter! Continue reading below for important information on Medicare’s Annual Enrollment Period, view some thoughts on “positive aging,” discover a tasty recipe, and more. |
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Felice Johnson If I can help you with any insurance needs, please call 412-726-6450 or send an email to felice.johnson@successfs.com to get started. ![company logo]() |
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AEP: What You Can Do Right Now… |
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![AEP - Annual Enrollment Period]() Medicare’s Annual Enrollment Period (AEP) is underway. AEP is from October 15th to December 7th each year. This is your opportunity to make changes to your health care -- including your prescription drug coverage.
Please look at the changes you can make during this AEP. Change from a Medicare Advantage plan back to Original Medicare. Change from Original Medicare to a Medicare Advantage plan. Switch from one Medicare Advantage plan to another Medicare Advantage plan. Join, drop, or switch to a Medicare Part D (prescription drug) plan.
Remember, be sure to ontact me if you have any questions about your current plan or AEP itself. (AEP takes place October 15th to December 7th). |
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Any Medicare changes you make during AEP go into effect on January 1, 2025. |
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![Seniors on the road]() Which drivers are better behind the wheel — older people or younger folks?
Research shows older adults may benefit from their years of driving experience. That can mean better risk assessment and better ability to navigate challenges out on the road. Further, compared to young drivers, seniors are less likely to drink and drive, speed, ignore road signs, drive in bad weather, and drive at night. |
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The average age people stop driving is 75. (AARP) |
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![Woman enjoying the fall leaves]() Getting older can bring changes to your health and even create some emotional concerns. Some of this is normal; some is not.
There is a growing “movement” with the goal of helping seniors grapple with the challenges of getting older: Positive Aging (Choosing Therapy). Here are some of the basic ideas behind positive aging: - Acknowledging that growing old is a normal and natural part of life.
- Believing that aging can be a positive and rewarding experience.
- Embracing change.
- Appreciating and accepting the reality of aging, rather than fighting it.
- Caring for the physical, emotional, cognitive, spiritual and social needs of the aging person.
- Redefining meaning and purpose throughout the lifespan.
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Social Security Signatures |
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The Social Security Administration (SSA) announced that physical signatures would no longer be required on more than 30 forms. Digital signatures will be accepted on these forms, and 13 forms will no longer require ![Written signature to digital signature]() signatures at all. The SSA feels that the use of digital signatures will speed up the application process. If you have questions, feel free to contact me. |
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Baked Steak ![Baked Steak, Yum!]()
You really don’t need a grill to cook a delicious steak. This oven-baked steak recipe yields a tender sirloin and a pleasantly caramelized exterior. Plus, it has few ingredients and is easy to make! INGREDIENTS: - 2 tbsp olive oil
- 4 beef top sirloin steaks (8 oz each)
- 3/4 tsp salt
- 1/2 tsp pepper
- 4 tbsp butter
DIRECTIONS: Preheat oven to 375°. Pat steaks dry with a paper towel. Sprinkle with salt and pepper. Heat oil in a large cast iron skillet to med-high. In batches, cook steak until the edges form a golden brown crust, 2-3 min per side. Top each steak with 1 tbsp butter. Transfer skillet to the oven and cook until meat reaches desired doneness. (For medium-rare, your meat thermometer should read 135°; for medium, 140°; for medium-well, 145°), all for 3-4 min. Let steak rest for 5 min before serving.
SOURCE: Taste Of Home |
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DID YOU KNOW THIS ABOUT OCTOBER? |
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![Famous Birthdays - Travis Kelce]()
October 1, 1949 -- The People's Republic of China was founded. October 4, 1965 -- Pope Paul VI became the first Pope to visit the U.S. and the first to address the United Nations. October 20, 1818 -- The U.S. and Great Britain agreed to set the U.S.- Canadian border at the 49th parallel. October 24, 1861 --The first transcontinental telegram in America was sent from San Francisco to Washington, addressed to President Abraham Lincoln from the Chief Justice of California. SOURCE: The History Place
October Celebrity Birthdays: Travis Kelce (October 5), Cardi B. (11), John Lithgow (19), Kim Kardashian (21) SOURCE: Famous Birthdays |
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Senior Financial Glossary |
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![Calculator with the word Finance in the display window]() A widow’s exemption refers to a reduction of tax burdens on a taxpayer following the death of a spouse.
Wildcatting refers to a practice instituted by the Securities and Exchange Commission (SEC) that calls for the review of an entire industry whenever critical problems are found within one or two companies in that industry. The ‘Willie Sutton Rule’ is based on a statement by American bank robber Willie Sutton, who, when asked about why he stole from banks, answered: “Because that's where the money is.”. A windfall tax is a tax levied by governments against certain industries when economic conditions allow those industries to experience significantly above-average profits. SOURCE: Investopedia |
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“If I knew I was going to live this long, I'd have taken better care of myself.”
- Mickey Mantle |
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Which drivers are better behind the wheel — older people or younger folks?
Getting older can bring changes to your health and even create some emotional concerns. Some of this is normal; some is not.
