The Franco Suarez Agency - Blog #Over 65The Franco Suarez Agency - Blog #Over 65https://www.francosuarez.com/blogs/tag/over-65Mon, 23 Mar 2026 09:31:16 -0700http://zoho.com/sites/<![CDATA[What Retirees Need to Know]]>https://www.francosuarez.com/blogs/post/what-retirees-need-to-knowThe Social Security Administration (SSA) has announced a critical update for 2024 that all retirees must heed to continue accessing their benefits onl ]]>

SSA's New Online Service Login 





The Social Security Administration (SSA) has announced a critical update for 2024 that all retirees must heed to continue accessing their benefits online. With millions relying on these services, the SSA's transition to a new login portal is a significant change that requires immediate action.



What’s Changing?



Previously, users accessed their online Social Security accounts via the "my Social Security" portal. However, the SSA is now switching to a new platform, Login.gov. This shift is part of a broader initiative to enhance security and streamline access to federal services. 



Who Needs to Act?



If you set up your online Social Security account before September 18, 2021, you are required to transition to a Login.gov account. This change does not automatically transfer your login credentials or account information. Instead, you must manually create a new account with Login.gov to continue uninterrupted access to your benefits.



Steps to Switch to Login.gov



1. Visit Login.gov: Navigate to the Login.gov website.

2. *Create an Account: Follow the prompts to set up a new account. You will need to provide an email address, create a secure password, and verify your email.

3. Link Your Social Security Account: Once your Login.gov account is created, link it to your existing Social Security account by providing the necessary information and following the verification steps.



Why is This Important?


Failing to transition to a Login.gov account could result in losing access to your online Social Security services. This means you may not be able to:

- View your benefit statements.

- Update personal information.

- Check your payment history.

- Access other critical services provided by the SSA.



How the Franco Suarez Agency Can Help


Planning for retirement involves navigating many changes, and the Franco Suarez Agency is here to assist you every step of the way. Our experts can help you transition to your new Login.gov account smoothly, ensuring you maintain uninterrupted access to your benefits. Additionally, we provide comprehensive retirement planning services, helping you optimize your benefits and secure your financial future.



Don’t Delay – Act Now!


With the deadline approaching, it’s crucial to make the switch to Login.gov as soon as possible. The Franco Suarez Agency offers personalized support to guide you through this process and any other retirement planning needs you may have. 

Contact us today to schedule a consultation and take the necessary steps to safeguard your Social Security benefits.



By proactively updating your login information, you can ensure continuous access to the vital services provided by the SSA and stay on top of your retirement planning.
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]]>Sat, 20 Jul 2024 04:33:30 -0600<![CDATA[Elderly Abuse Awareness Month]]>https://www.francosuarez.com/blogs/post/elderly-abuse-awareness-monthLearn about #ElderAbuseAwareness, its prevalence, and prevention strategies. Get help from the Franco Suarez Agency in fighting elder abuse. #StopElderAbuse #healthcare #identitytheft]]>

What you need to know to protect yourself and those you love

Elder abuse is a serious and often overlooked issue affecting many older adults around the world. It can take many forms, including physical, emotional, sexual, financial, and neglect. Elder abuse is defined as any act of harm or failure to act that results in harm or risk of harm to an older adult.



According to the World Health Organization, approximately 1 in 6 older adults have experienced some form of abuse in the past year. This number is expected to increase as the global population ages. It is crucial that we raise awareness about elder abuse and take steps to prevent it from happening.



One of the key ways to prevent elder abuse is to educate the public about the signs and symptoms of abuse. This includes physical injuries, unexplained financial losses, changes in behavior or mood, and isolation from friends and family. By knowing what to look for, we can better identify and report instances of elder abuse.



Healthcare providers play a crucial role in identifying and preventing elder abuse. They are often in a position to observe signs of abuse and neglect, as well as provide support and resources to older adults who may be experiencing abuse. It is important for healthcare providers to be vigilant and proactive in addressing elder abuse within their practices.



Another common form of elder abuse is identity theft. Older adults are often targeted by scammers due to their perceived vulnerability and access to financial resources. It is important for older adults to be cautious when sharing personal information, especially over the phone or online. They should also regularly monitor their credit reports and financial accounts for any suspicious activity.



The Franco Suarez Agency is here to help in the fight against elder abuse. We provide resources and support for older adults who may be experiencing abuse, as well as guidance on how to prevent abuse from happening in the first place. Our team is dedicated to raising awareness about elder abuse and advocating for the rights and well-being of older adults.



If you or someone you know is experiencing elder abuse, do not hesitate to reach out for help. Together, we can work towards creating a world where all older adults are safe, respected, and protected from harm. Let's stand up against elder abuse and make a difference in the lives of our elders.


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]]>Mon, 17 Jun 2024 15:15:11 -0600<![CDATA[Understanding Special Enrollment Periods]]>https://www.francosuarez.com/blogs/post/understanding-special-enrollment-periodsLearn about Special Enrollment Periods for Medicare Advantage and drug coverage. Make changes when life events like moving or losing coverage occur. #Medicare #SpecialEnrollment #HealthCoverage #FrancoSuarezAgency]]>

Making the Right Medicare Choices When Life Changes





At the Franco Suarez Agency, we understand that life is full of changes, some planned and some unexpected. Whether you’re moving to a new home, losing other health coverage, or experiencing other significant life events, it’s essential to know how these changes can impact your Medicare Advantage and Medicare drug coverage. That's where Special Enrollment Periods (SEPs) come into play.



What Are Special Enrollment Periods?



Special Enrollment Periods are specific times outside of the standard enrollment periods when you can make changes to your Medicare Advantage and Medicare Part D (prescription drug) plans. These periods are triggered by certain life events, allowing you to adjust your coverage to better meet your new circumstances.


Common Life Events That Trigger Special Enrollment Periods



Understanding what qualifies as a triggering event is the first step in navigating SEPs. Here are some common life events that can make you eligible:



1. Moving: 
If you move to a new address that isn’t in your current plan’s service area, you’ll qualify for a SEP. This also applies if you move back to the U.S. after living abroad or if you’re released from incarceration.



2. Losing Other Coverage: 
If you lose other health coverage, such as through an employer or union, you’ll have a SEP to find new Medicare coverage. This includes losing coverage from Medicaid or the Children's Health Insurance Program (CHIP).



3. Changes in Your Plan’s Contract: 
If your Medicare plan is discontinued, or if there are significant changes to the plan’s contract, you’ll be eligible for a SEP to find a new plan that meets your needs.



4. Changes in Your Circumstances: 
Other situations, like changes in your income affecting your Extra Help status or qualifying for a new type of Medicaid, can also trigger SEPs.



What Changes Can You Make?



During a Special Enrollment Period, you can make a variety of changes to your Medicare coverage, including:



- Switching from Original Medicare to a Medicare Advantage Plan, or vice versa.

- Changing from one Medicare Advantage Plan to another.

- Enrolling in or changing Medicare Part D (prescription drug) plans.

- Dropping Medicare Advantage or Part D coverage altogether.



The specific changes you can make and the timing depend on the triggering event. Typically, you’ll have a limited window of time, usually 60 days from the date of the event, to make your changes.



How to Navigate Special Enrollment Periods



Navigating SEPs can be complex, but you don’t have to do it alone. Here are some tips to help you through the process:



1. Stay Informed: 
Keep track of any changes in your life that might affect your Medicare coverage. Being proactive can ensure you don’t miss the window for making necessary changes.



2. Gather Documentation: 
When you qualify for a SEP, you’ll need to provide documentation of the life event. Gather all relevant paperwork to streamline the process.



3. Consult Experts: 
The Franco Suarez Agency is here to help. Our team of experienced professionals can guide you through the SEP process, helping you understand your options and find the best coverage for your needs.



Need Help? Contact Us!



If you have questions or need assistance with making changes to your Medicare coverage during a Special Enrollment Period, don’t hesitate to reach out. At the Franco Suarez Agency, we are dedicated to helping you navigate these transitions smoothly and effectively.



Contact us today to learn more about your Medicare options and how we can assist you in making the right choices for your health coverage needs.






Navigating life’s changes is easier with the right support. Trust the Franco Suarez Agency to be your partner in ensuring you have the Medicare coverage that fits your life, no matter where it takes you.
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]]>Wed, 12 Jun 2024 08:48:22 -0600<![CDATA[WARNING: Don't Become a Statistic]]>https://www.francosuarez.com/blogs/post/warning-don-t-become-a-statisticSecure your retirement by consulting with financial advisor #FrancoSuarez. Avoid joining the 78% of near-retirees who fail the Social Security knowledge test. Maximize benefits and gain personalized insights for a financially sound future. Schedule your consultation now.]]>

Why Meeting with a Financial Advisor Like Franco Suarez is Crucial for Your Social Security Knowledge




As we navigate the complex world of personal finance, it's essential to be well-informed about various aspects, including Social Security benefits. A recent report has shed light on a concerning statistic: a staggering 78% of near-retirees failed or barely passed a basic Social Security quiz. Published on February 21, 2024, this report should serve as a wake-up call for all individuals approaching retirement.



Understanding the intricacies of Social Security can significantly impact your financial well-being during retirement. To avoid becoming part of this alarming statistic, it's time to take charge of your financial future. One effective step is to seek the guidance of experienced financial advisors, such as Franco Suarez, who can provide invaluable insights and help you make informed decisions.



The Social Security Knowledge Gap:



The report's findings underscore the widespread lack of understanding about Social Security benefits, a crucial component of many Americans' retirement plans. Failing to grasp the nuances of these benefits can result in individuals making suboptimal decisions, potentially jeopardizing their financial security during retirement.



Why Meeting with a Financial Advisor Matters:



1. Personalized Guidance:

   Meeting with a financial advisor like Franco Suarez allows you to receive personalized guidance tailored to your unique financial situation. Advisors can analyze your specific circumstances, taking into account factors such as income, health, and long-term goals, to create a strategy that maximizes your Social Security benefits.



2. Education and Awareness:

   Financial advisors play a crucial role in educating clients about the intricacies of Social Security. Franco Suarez, with his wealth of experience, can break down complex concepts into understandable terms, ensuring that you are well-informed and confident in your financial decisions.



3. Optimizing Benefits:

   Maximizing your Social Security benefits requires careful planning. A skilled financial advisor can help you navigate the complexities of claiming strategies, spousal benefits, and timing to ensure you receive the maximum benefits available to you.



4. Future-Proofing Your Retirement:

   Planning for retirement involves more than just understanding Social Security. A comprehensive financial advisor like Franco Suarez can help you create a holistic retirement plan, taking into account investments, savings, and potential tax implications, ensuring a secure and comfortable retirement.





In a world where financial literacy can make or break your retirement, it's crucial to address the Social Security knowledge gap highlighted in the recent report. Don't leave your financial future to chance – schedule a meeting with a knowledgeable financial advisor like Franco Suarez. By doing so, you can empower yourself with the insights and strategies needed to make informed decisions, ultimately ensuring a more secure and comfortable retirement. Don't be a statistic – take control of your financial destiny today.

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Unlock healthcare peace of mind! Whether you're exploring Medicaid or Medicare options, our expert advisors provide personalized guidance. Navigate the complexities, optimize benefits, and secure comprehensive coverage for you and your family. Let us simplify your healthcare journey. Contact us today!

Empower your healthcare strategy with Health Savings Accounts (HSAs). Enjoy tax advantages, flexibility, and control over medical expenses. Optimize savings for future health needs. Secure financial wellness with an HSA – your key to a healthy and prosperous future.

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]]>Fri, 23 Feb 2024 10:30:33 -0600<![CDATA[Unveiling the Downsides of Medicare Advantage]]>https://www.francosuarez.com/blogs/post/unveiling-the-downsides-of-medicare-advantageExplore the drawbacks of Medicare Advantage for healthy seniors and discover the wealth-building benefits of high-deductible Medicare Plans with HSAs. Financial insights from advisor Franco Suarez guide personalized healthcare and financial strategies.]]>

A Case for High-Deductible Medicare Plans and HSAs



Medicare Advantage plans have long been touted as a comprehensive and cost-effective alternative to Original Medicare. However, for healthy seniors who prioritize wealth growth and protection, there might be some disadvantages worth considering. In this blog post, we'll explore the drawbacks of Medicare Advantage for those who could potentially benefit from high-deductible Medicare Plans and Health Savings Accounts (HSAs), with insights from financial advisor Franco Suarez.


The Medicare Advantage Conundrum:

Medicare Advantage plans, also known as Medicare Part C, bundle together various healthcare services, often including prescription drug coverage, into a single plan provided by private insurance companies. While these plans can be attractive for some seniors, they may not be the best fit for healthy individuals looking to grow and safeguard their wealth.


1. Limited Flexibility:

One of the primary drawbacks of Medicare Advantage is its limited network of healthcare providers. Seniors may find their preferred doctors or specialists are not included in the plan's network, leading to potential disruptions in continuity of care.

Financial advisor Franco Suarez emphasizes the importance of having the flexibility to choose healthcare providers based on individual preferences. "For healthy seniors who may not require frequent medical attention, having the freedom to select providers ensures a personalized approach to healthcare that aligns with their specific needs," Suarez notes.


2. High Out-of-Pocket Costs:

Medicare Advantage plans often come with cost-sharing arrangements, such as copayments, coinsurance, and deductibles. While these expenses can be manageable for those with ongoing health needs, healthy seniors may end up paying more out of pocket than if they opted for a high-deductible Medicare plan.

Franco Suarez highlights the financial impact: "High-deductible Medicare Plans can provide cost savings for healthy seniors who don't anticipate significant medical expenses. By opting for plans with higher deductibles, they can benefit from lower monthly premiums and the potential to grow their wealth through strategic financial planning."

The Role of Health Savings Accounts (HSAs):

HSAs are tax-advantaged accounts that allow individuals to save money for qualified medical expenses. Paired with high-deductible Medicare Plans, HSAs offer a compelling alternative for healthy seniors seeking to maximize wealth accumulation.




3. Missed Wealth Growth Opportunities:

Medicare Advantage plans often do not offer the same wealth-building opportunities as high-deductible Medicare Plans coupled with HSAs. With the latter, seniors can contribute pre-tax dollars to their HSA, allowing for potential investment growth over time. The funds can be invested in a variety of options, offering the possibility of accumulating wealth beyond traditional savings accounts.


Conclusion:

While Medicare Advantage plans provide comprehensive coverage for some seniors, they may not be the ideal choice for healthy individuals aiming to grow and protect their wealth. Financial advisor Franco Suarez emphasizes the importance of tailoring healthcare choices to individual needs and financial goals. High-deductible Medicare Plans, complemented by Health Savings Accounts, offer a strategic alternative for healthy seniors seeking flexibility, lower costs, and the potential for wealth accumulation. Before making any decisions, it's crucial for individuals to consult with their financial advisors to create a personalized healthcare and financial strategy that aligns with their unique circumstances and aspirations.
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]]>Tue, 09 Jan 2024 15:06:06 -0600<![CDATA[The Disadvantages of Medicare Advantage]]>https://www.francosuarez.com/blogs/post/the-disadvantages-of-medicare-advantageDiscover the drawbacks of Medicare Advantage plans: high financial risk, service rationing, and denials. Understand the potential challenges and make informed decisions about your healthcare coverage. Find out more in our blog post.]]>

High Financial Risk, Service Rationing, and Denials



Medicare Advantage plans have gained popularity over the years as an alternative to traditional Medicare. These plans, offered by private insurance companies, provide additional benefits and coverage options. However, it's important to acknowledge that Medicare Advantage is not without its drawbacks. In this blog post, we will explore some of the disadvantages associated with Medicare Advantage, focusing on the high financial risk, service rationing, and denials that individuals may face.



1. High Financial Risk:

One of the primary concerns with Medicare Advantage plans is the potential for high out-of-pocket costs. While these plans often offer lower monthly premiums, they typically require higher deductibles, copayments, and coinsurance fees. The financial burden can be particularly challenging for individuals with chronic conditions or those who require frequent medical services. Additionally, Medicare Advantage plans often have annual limits on out-of-pocket spending, meaning that once you reach a certain threshold, you are responsible for all remaining costs. This financial risk can be a significant disadvantage for those on fixed incomes or with limited financial resources.



2. Service Rationing:

Another disadvantage of Medicare Advantage plans is the potential for service rationing. In an effort to control costs, insurance companies may implement various utilization management techniques, such as prior authorization requirements, step therapy, or limited network options. These measures can create barriers to accessing certain treatments, medications, or specialists. Individuals may face delays in receiving necessary care or be required to try less expensive alternatives before receiving the recommended treatment. This form of service rationing can be frustrating and potentially detrimental to a patient's health outcomes.



3. Denials:

Medicare Advantage plans have the authority to deny coverage for certain services or treatments. Insurance companies carefully review claims to ensure they meet specific criteria for coverage. Unfortunately, denials can lead to prolonged appeals processes and delays in receiving necessary care. Individuals may find themselves navigating a complex system, providing additional documentation, or even having to forgo treatment altogether due to the denial of coverage. This can be especially challenging for individuals with serious or chronic conditions who require timely access to medical services.





While Medicare Advantage plans offer additional benefits and coverage options, it is essential to consider the potential disadvantages they may present. High financial risk, service rationing, and denials are important factors to consider when evaluating whether Medicare Advantage is the right choice for you. It is crucial to thoroughly research and compare different plan options, considering your individual healthcare needs and financial situation.



Remember, Medicare Advantage plans vary in terms of cost-sharing requirements, network coverage, and included benefits. It is essential to review plan details carefully and consider your healthcare needs both now and in the future. Consulting with a trusted healthcare professional or independent insurance advisor can also provide valuable insights to help you make an informed decision about your healthcare coverage.



Ultimately, understanding the disadvantages of Medicare Advantage can help you make an informed decision about your healthcare coverage and ensure that you select a plan that aligns with your needs, preferences, and financial circumstances.
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]]>Tue, 11 Jul 2023 11:03:43 -0600<![CDATA[Shining a Light on Elder Abuse]]>https://www.francosuarez.com/blogs/post/shining-a-light-on-elder-abuse"Discover the significance of Elder Abuse Awareness Month in combating elder abuse. Join the global movement to protect our vulnerable loved ones from harm and raise awareness for a brighter future. Act now!"]]>

Protecting Our Loved Ones






June is Elder Abuse Awareness Month, a crucial time to address the distressing issue that affects our aging population. Elder abuse is a deeply concerning problem that can leave lasting scars on the lives of our vulnerable loved ones. As we come together as a global community, it is essential to shed light on this issue and take a firm stand against the heinous acts that undermine the well-being and dignity of our elders.

Personal Experience:



Elder abuse is not just a statistic or a news headline—it is a painful reality that affects real people, real families. Allow me to share my personal story, a narrative that underscores the significance of this month and the urgent need for action.

My mother, a vibrant and independent woman, fell victim to elder abuse at the hands of someone who was once close to our family: my former wife. It was a devastating realization that shattered the trust and security we had built as a family. Witnessing the effects of this abuse on my mother opened my eyes to the gravity of the issue, compelling me to raise awareness and prevent others from experiencing similar pain.



Defining Elder Abuse:

Elder abuse takes various forms, all of which are reprehensible. It encompasses physical, emotional, financial, and sexual abuse, as well as neglect and abandonment. Perpetrators can be family members, caregivers, or even strangers who take advantage of vulnerable individuals. It is a dark reality that often goes unnoticed, hiding behind closed doors and the fear of speaking out.


The Impact of Elder Abuse:

Elder abuse inflicts deep emotional and physical scars on its victims. Our elderly loved ones, who deserve respect, care, and support during their golden years, can suffer immeasurably. The trauma experienced by victims often leads to a decline in physical health, deteriorating mental well-being, and a loss of trust in others. Furthermore, the financial exploitation that often accompanies elder abuse can leave individuals stripped of their hard-earned savings and a lifetime of financial security.


Raising Awareness and Taking Action:



Elder Abuse Awareness Month serves as a call to action for individuals, communities, 
and governments to address this pressing issue head-on. 
Together, we can make a difference and protect our aging population.

1. Educate and Inform: Knowledge is power. We must educate ourselves and others about the signs and symptoms of elder abuse. Recognizing the warning signs, such as unexplained injuries, sudden changes in behavior, or unusual financial transactions, can help us identify potential cases and intervene early.



2. Foster Open Dialogue: Encourage open conversations with our elderly loved ones, promoting an environment where they feel safe to share their experiences and concerns. By actively listening and validating their feelings, we can empower them to seek help if they become victims of abuse.


3. Support Elderly Victims: If you suspect someone is a victim of elder abuse, it is essential to offer support and empathy. Encourage them to reach out to helplines, support groups, or local authorities who specialize in elder abuse cases. Remember, a compassionate ear can make a world of difference to someone who feels isolated and helpless.


4. Advocate for Change: Stand up against elder abuse by advocating for stronger legal protections, improved training for caregivers, and better resources for victims. Engage with local policymakers, community organizations, and advocacy groups to bring about positive change in your community.

Image result for elderly abuse month

Elder Abuse Awareness Month serves as a poignant reminder of the vulnerability our elderly loved ones face and the importance of safeguarding their well-being. By coming together as a global community, we can combat elder abuse and create a world where our aging population is treated with respect, compassion, and dignity.


Let us seize this opportunity to raise awareness, support victims, and work towards

 a future free from the dark shadows of elder abuse. Together, we can make a profound difference in the lives of our elderly loved ones and ensure that they enjoy their golden years in safety and happiness.
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]]>Mon, 26 Jun 2023 15:02:36 -0600<![CDATA[Medicare Advantage Open Enrollment Period]]>https://www.francosuarez.com/blogs/post/medicare-advantage-open-enrollment-periodPrepare for the 2022 Medicare Advantage Open Enrollment Period (MA OEP) Change the way you receive your Medicare coverage options from January 1 to March 31, 2022.]]>

Prepare for the 2022 Medicare Advantage Open Enrollment Period (MA OEP)

Change the way you receive your Medicare coverage options from January 1 to March 31, 2022.

Medicare Advantage Open Enrollment Period (MA OEP) allows Seniors enrolled in a Medicare Advantage plan to make a one-time change to the way they receive their Medicare benefits by the following:


1. Switch to Original Medicare (Medicare Part A and Part B) and add a Medicare Part D (prescription drug) plan if desired
 
Medicare Advantage plan → Original Medicare 1

 
2. Switch to a different Medicare Advantage plan*
 
Medicare Advantage plan → Medicare Advantage plan*
*with or without prescription drug coverage

Learn more about the differences between these choices.
If you have Original Medicare with or without Medicare Part D (prescription drug) coverage, you can’t make any changes to your Medicare coverage during MA OEP.
1Seniors on Original Medicare can apply for a Medicare Supplement insurance policy to help pay for some of the costs Medicare doesn’t cover, such as deductibles and coinsurance.

Two ways Seniors can enroll in Medicare coverage


  • Explore which Medicare coverage options are available in your state.

    While Original Medicare (Part A and B) offers the same coverage in all 50 states, the availability of Medicare Supplement insurance policies, Medicare Advantage plans, and prescription drug plans varies by state. Check the coverage options in your state with your agent, Franco Suarez.

  • Make an informed decision about your Medicare coverage.

    Medicare coverage is specific to your individual needs. Find a plan that takes your health, lifestyle, budget, and needs into consideration.

Get one-on-one support from an insurance agent.

Franco Suarez, a licensed insurance agent, by the state of TEXAS can help narrow down your Medicare coverage options based on your state, age, health, and lifestyle. While your coverage and needs may change year to year, a licensed agent can help you through any Medicare enrollment period so your needs are met.

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]]>Sat, 26 Feb 2022 14:23:29 -0600<![CDATA[Why Funerals Are So Expensive]]>https://www.francosuarez.com/blogs/post/why-funerals-are-so-expensiveWe will all die sooner or later; Knowing this fact gives us plenty of options to prepare our loved ones for our untimely demise.]]>

The High Cost Of Dying

At the most vulnerable time of a grieving family, Funerals must be planned quickly, and they must be taken care of within a few days. This leaves people in a difficult emotional position, unable to shop around for a deal while hoping to give the most honorable farewell to their dead. 

We will all die sooner or later; Knowing this fact gives us plenty of options to prepare our loved ones for our untimely demise.


Final expense insurance is designed to help older adults and their families pay for end-of-life costs ranging from medical bills to funerals to credit card debt. As a form of permanent insurance, if premiums are paid up to date, the benefit does not expire. 


In this way, policy holders are able to provide their loved ones with cash to cover expenses associated with burial, funeral and medical expenses . . .  You may want to ask your agent, Franco Suarez, about Term life insurance or permanent insurance, such as whole or universal life insurance to find out which option is best for you.

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]]>Tue, 08 Feb 2022 14:10:10 -0600<![CDATA[Peace of Mind]]>https://www.francosuarez.com/blogs/post/peace-of-mindPractical way to get the best coverage for final expenses at an affordable price]]>

Your Final Expense Policy

 HELP EASE THE FINANCIAL BURDEN

  • A Funeral is the third largest expense families will face
  • On average, a funeral cancost as much over $7,640 USD
  • The majority of healthcaare cost rise in th efinal stage of life, due to chornic illness
  • Even when there are pre-needs arrangements, it is important to prepare for the costs with inflation are pre-needs arrangements, it is important to prepare for the costs with inflation are pre-needs arrangements, it is important to prepare for the costs with inflation


    If you qualify:
  • Renewable for life, regardless of changes in your health
  • Guaranteed non-cancellable -as long as, premiums are paid on time
  • 30 day-free look with righ tto cancel 
  • Peace of mind for your family




  Sources:
  • Federal Trade Commission  www.ftc.gov
  • National Caregivers Library www.caregiverslibrary.org
  • Rand Living wel at the end of life www.medicaring.org wel at the end of life www.medicaring.org

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