Posts Categorized: Life and Health

HMO, PPO, AND POS — PROS AND CONS

When choosing a Health insurance program, it’s all too easy to drown in an alphabet soup of acronyms — everything from ACOs (Accountable Care Organizations) to WHRN (Whole Health Resources Networks). However, the three most common types of managed health care plans are Health Maintenance Organizations (HMOs), Preferred Provider Plans (PPOs), and POS (Point of… Read more »

New Year’s Resolutions That Help You Live Longer

One in five people resolve to lose weight or get healthier every January. If you choose to adopt this resolution in 2018, you could live longer. Several additional New Year’s resolutions can also prolong your life, so consider adding them to your resolution list this year. Eat Fewer Calories Food fuels your body, but when you… Read more »

LIFE INSURANCE: REDUCE YOUR WEIGHT – AND YOUR PREMIUMS!

When you’re buying Life insurance, losing a few extra pounds could save you big dollars – money that you could apply to pay for the policy or increase the amount of coverage. Here’s why: According to two recent nationwide polls, more than 35% of American adults are overweight; another 30% suffer from morbid obesity, based… Read more »

Factors That Affect Your Long-Term Care Insurance Costs

Long-term care insurance (LTC) pays for quality nursing home, assisted living or in-home care if you need it. When you consider that the average private nursing home room cost $99,736 in 2015, you see how important an LTC policy is for your peace of mind. Plus, it protects your financial assets that would otherwise pay for… Read more »

Give The Gift Of Life Insurance This Holiday

This year’s hottest holiday gifts include technology, travel and aromatherapy. While these items provide temporary enjoyment, why not give a gift that lasts a lifetime and beyond? Consider the gift of life insurance this holiday as you care for your loved ones. Provide for Your Family Life insurance provides financial support for survivors after the… Read more »

ENJOY YOUR LIFE: THE POWER OF POSITIVE THINKING

Although you might not be aware of it, there are far-reaching benefits to positive thinking that can improve your health and help you with stress management. According to the Mayo Clinic, studies show that the personality traits of optimism and pessimism can have a direct impact on your well-being. The good news is that, even… Read more »

Who Should Get A Flu Vaccine This Fall?

Every fall, your doctor or pharmacist probably asks you if you want a flu shot. This important vaccination can prevent you from getting the flu. Learn more about who should get a flu shot as you decide if it’s the right choice for you. What is the Flu Vaccine? The flu vaccine is an injection… Read more »

RETIREES SHARE THEIR WISDOM IN A REVEALING SURVEY

Many soon-to-be retirees find themselves in an anxious state, uncertain of how to face the imminent new phase of their life known as retirement. Fortunately, the results from a recent survey might offer them some guidance and reassurance. Offering a glimpse into the lives of current and soon-to-be retirees, this enlightening survey reveals a few… Read more »

How to Prepare Financially for Long-Term Care

One in four Americans over the age of 65 receives long-term care annually reports the U.S. Department of Commerce. You too could require care. Prepare your finances now for this possibility. Know Your Options Long-term care is defined as assistance performing daily living activities for longer than 90 days. Those daily living activities can range… Read more »

Protect Yourself with Disability Insurance

In the event a disability that causes an inability to work occurs, Disability insurance works to replace a portion of your absent income. Although it should be obvious why Disability insurance is critical protection, many workers assume that they don’t need private Disability insurance since Social Security disability benefits are available. What many fail to… Read more »