Working with a certified senior advisor
Again as I continually mention, the better educated consumers can become about insurance and the different types, the better decisions you can make. Another certification that I completed in December of 2007 is called a Certified Senior Advisor. This is an educational certification for those individuals working in the aging industry. It provides a very [...]
Choices in medicare plans
Ever tried to figure out the differences between the different Medicare plans? Medicare is available to persons 65 years of age or greater. Part A is considered “hospital coverage” and pays expenses related to hospitalization. Part B is coverage for “physician’s services”. This also covers lab expenses, home health care and outpatient hospital treatment. This [...]
Convert your company life insurance policy
Still continuing on the insurance education subject, did you know that if you leave a place of employment and have life insurance coverage that you are able to personally convert this insurance to an individual policy within 31 days? Most employers offer what is called “group life insurance”. This type of insurance is convertible to [...]
Accidental death and dismemberment supplemental insurance
How many times have you been solicited for AD&D insurance, otherwise called Accidental Death and Dismemberment? I myself have been offered this type of insurance through employers and other associations and can tell you that I subscribed because it seemed like a good idea. After becoming more educated, I can tell you there are two [...]
Educating yourself on life and health insurance critical
The topic at least for sometime is going to be my experience with the Life and Health course, upcoming exam and information I can share with you that agents omitted in discussions with me and probably many others. I’ve been diligently studying the Life and Health course so I can pass the exam the first [...]
Has your life insurance agent explained everything to you
So, more about life insurance from my weekend of education previously mentioned including one very common explanation regarding policy delivery that most people don’t know and are not told. Did you know that when you complete an application for a life insurance policy and are accepted by the insurer, that the agent should personally deliver [...]
Getting life and health insurance information can be difficult
In my work with older adults I frequently come across individuals who ask about life or health insurance. As you might know, it is extremely difficult to get information about either topic from companies when you call. Just getting through the phone tree can be an impossible feat and heaven forbid if you choose the [...]
Will there be enough to last your retirment
Do you know how much money you need to take care of yourself in retirement? Statistics show that most individuals try to plan for their own financial retirement and have no idea of how much money they really need. I recently met a group of financial planners at World Financial Group who provide analysis and [...]
Anemia in older adults
Approximately ten percent of older adults are anemic. Most anemia is caused by nutritional deficiencies, chronic kidney disease or chronic inflammation. Some times it is associated with the diagnosis of another condition. Anemia is typically associated with tiredness, general weakness and lack of energy. It affects daily activities and quality of life. It is most [...]
Joining a loved one on their medical appointments
If you have an older family member who attends frequent medical appointments it might be a good idea to accompany them to the appointment. Being organized and planning for appointments delivers the best results. Take a list of current medications. Write down any health questions or concerns. And most importantly, take notes when you visit [...]
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