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Some of our Insurance and Risk Management students spent a few days in Washington, DC last week.
They were thrilled to meet with U.S. Representative Larry Bucshon, along with Brett Schultheis and Jennie Carr CIC AU during the Independent Insurance Agents and Brokers of America Legislative Conference!
They also had a chance to visit Clements Worldwide’s Washington headquarters and learn about the company.
Indiana State University students who attended are: Bryce McLeish, Anne Bowen, Julia Sonntag, MaKenzie Quissell, Kyle Koch, and Noah Heim.
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Claeys Group Insurance Services Explains the Benefits of Using an Independent Agency when exploring Medicare Insurance Claeys Group Insurance recommends that new Medicare Beneficiaries researching coverage options reach out to an Independent Insurance Agency for best results. Working with an independent agency gives Medicare beneficiaries the peace of mind that they are receiving unbiased advice and the best possible coverage options.” — John Claeys, Founder/CEO TYLER, TEXAS, UNITED STATES, February 15, 2024 -- Claeys Group Insurance Services, LLC, a leading independent insurance agency specializing in Medicare coverage, is urging those exploring Medicare insurance options to consider the many advantages of working with an independent agency. When it comes to finding the best coverage options ...via Claeys Group Insurance Services - Tyler, TX Medicare Insurance Agency
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Comparing Final Expense Insurance Policies
Comparing Final Expense Insurance Policies
Comparing Final Expense Insurance Policies
The burial insurance, known as final expense insurance, the market is set to increase by 3.6% by 2030.
This shows that more people are becoming concerned with having their end-of-life insurance in place. Then, the process can become less stressful for family members who are left behind.
Burial insurance covers funeral arrangements, burial expenses, and…
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#burialcosts#burialinsurance#comfortandconfidence#end-of-lifecare#end-of-lifedecisions#finalexpenseinsurance#financialcoverage#financialfuture#financialprotection#funeralarrangements#healthandfinancial#hugecostsavingsbenefits#independentagency#insurancepolicy#licensedinsuranceagency#lifeinsurance#lovedones#medicaldebts#needsandbudget#peaceofmind#personalizedplan#securingfuture
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QUINCY BRANCH (PT2): FROM AN ATHLETE TO AN INSURANCE PROFESSIONAL: YOU SHOULD GET A LICENSE
Watch The Video : https://youtu.be/ybaJeT5-LWg
Welcome to YSGAL!
In this, You Should Get A License Podcast segment, a family man, second-generation insurance professional, and CEO of Branch Benefits Consultants, Quincy Branch, talks about his traits as an athlete that he was able to apply in the industry, previous work background, journey entering the insurance industry and the different designations he currently holds in the insurance industry.
LISTEN TO THE FULL AUDIO HERE!
🌐 Guest Social Media/Links:
Branch Benefits Consultants Website: https://branchbenefitsconsultants.com/
Branch Benefits Consultants Instagram: https://www.instagram.com/branchbenefitsconsultants
Branch Benefits Consultants Facebook:https://www.facebook.com/BranchBenefits/
Branch Benefits Consultants Linked In: https://www.linkedin.com/company/bbc-ins/
Quincy L. Branch Linked In: https://www.linkedin.com/in/quincy-branch/
Quincy L. Branch Instagram: https://www.instagram.com/quincylbranch
\YSGAL Podcast is the number #1 source for anyone looking to learn about or join the most underrated opportunity in business today...a career in the Insurance industry. Get educated, motivated, and inspired for your journey, as you learn How and Why..."You Should Get A License"
Looking to get into the industry?: https://Bit.ly//Ysgetalicense
Support this podcast: https://anchor.fm/ysgetalicense/support
#insurancecareers #entrepreneurs #intrapreneurs #insurancelicense
🌐 Host Social Media:
IG: https://www.instagram.com/ysgetalicense/
Tik Tok: https://www.tiktok.com/@ysgetalicense
Linked In: https://www.linkedin.com/groups/12524487/
About me:
Greetings! My name is Rod Powell. I'm an insurance industry sales professional in the DC, Maryland, and Virginia areas. I'm multi-state licensed in Life & Health and Virginia licensed in Property & Casualty Insurance. This channel is not for me to offer my services, but to educate you on careers in the industry that has allowed me to bring a ton of value to others and has been very good to me as well. Hope you enjoyed and heard something that makes you think..."You Should Get A License"
🌐 Rod's Social Media
IG: https://www.instagram.com/therodpowell/
Linked In: https://www.linkedin.com/in/jarrard-a-rod-powell-sr-86801616/
Schedule Time w/ Rod to discuss your path in the industry:
calendly.com/rodpowell
\YSGAL Podcast is the number #1 source for anyone looking to learn about or join the most underrated opportunity in business today...a career in the Insurance industry. Get educated, motivated, and inspired for your journey, as you learn How and Why..."You Should Get A License" Support this podcast: https://anchor.fm/ysgetalicense/support
#NewCareers #ProfessionalDevelopment #PersonalDevelopment #Finance #Business #Entreprenuership #EmployeeBenefits #LifeInsurance #Healthcare #RiskManagement #MinorityOwned #MillionDollarBusiness #Finance #FinancialServices #FinancialIndustry
#Insurancebroker #FinalExpense #BlacksinInsurance #BranchBenefits #Nevada #QuincyBranch #AubreyBranch #NAAIA #BIGI #IIABA #Equity#AfricanAmerican #AtheletesinBusiness #BusinessOpportunity #IndependentAgents #Diversity #Equity #Inclusion #Ownership #BlackFriday #CommercialLines #InsuranceLicense #ProfessionalIicense #PropertyandCasualty #RHU #CIC #CLCS #InsuranceDesignations
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Behind the Scenes of the Fastest Home & Auto Rollout in Modern Insurance History - Insurance Journal Event
Branch Insurance expanded into 14 states in just 1 year. Join us live on June 22 at 10am Pacific for this timely conversation and a behind-the-scenes look at how they did it.
#sponsored by ClarionDoor - a Zywave company
#independentagency #insurance #agencygrowth #futureproofyourbusiness
Branch Insurance expanded into 14 states in just 1 year. Find out how...
via Best Insurance Ocala
Griffin Insurance Agency, 2139 NE 2nd Street A, Ocala, FL 34470, (352) 732-7105
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Life Insurance without an Exam!
#insurance#lifeinsurance#protectyourfamily#insurance agent#insurance agency#historic square agency#historicsquare#hsa#erieinsurance#coverage#familyprotection#incomeprotection#independentagent
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Toko Online 4life Transfer Factor melayani penjualan dan pengiriman lansung secara online semua produk dari 4life Transfer Factor. *CEK HARGA* https://indonesia.4life.com/brahmanto #tokoonline4life #jual4lifetransferfactor #distributortransferfactor #agen4lifetransferfactor #independentagent #agen4lifemedan #jual4lifepekanbaru #distributor4lifebatam https://www.instagram.com/p/CAG97vsBpoq/?igshid=q1lwfto7clu3
#tokoonline4life#jual4lifetransferfactor#distributortransferfactor#agen4lifetransferfactor#independentagent#agen4lifemedan#jual4lifepekanbaru#distributor4lifebatam
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Learn More about becoming an Independent Agent in your Country + the attractive profit potential + affiliated Wholesale benefits
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How to live life without major regrets: 8 lessons from older Americans People in their 70s, 80s and beyond reveal their biggest regrets in the hopes the younger generation can avoid them. In my case, I make sure that everything I do is because I truly enjoy doing it. I know so many people, especially the older generation - I sell Senior Products like Medicare, Final Expense, etc - that constantly live with so many regrets. One of the most common regrets is: not working on the field that made them feel fulfilled and happy. Make sure that you evaluate your current career, your feelings about it,, it'll show you you're not alone, it's never ever too late to press the reset button and start putting Happiness on a pedestal! Hope this helps1 Your friend, @rickygadvisor . #independentagent #supplementalinsurance #finalexpense #annuities #tagallin #carrerchange #regret #noregrets (at Miami, Florida) https://www.instagram.com/p/B62Q7BigDQr/?igshid=8p0am0jfmaxp
#independentagent#supplementalinsurance#finalexpense#annuities#tagallin#carrerchange#regret#noregrets
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Leiden, Holland what a sunset. @franckdoho thank you for such a gorgeous view. Group trip in the works, tag someone who would love to join. #ita #independentagent #independenttravelagent #travel #holland #holiday #vacation #grouptrip (at Tualatin, Oregon) https://www.instagram.com/p/Bz9KOxyhjMa/?igshid=z5go6xkqtpd5
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Calculate How Much Life Insurance You Need
Life insurance is an important part of planning for the future. In your absence, life insurance can help protect your family’s finances, allow your small business to live on and give you something to leave behind for your loved ones or a favorite charity.
Many people understand the importance of life insurance. According to LIMRA, 80% of consumers believe that most people need life insurance and as many as 132 million Americans rely on life insurance to protect their financial security. But when it comes to actually purchasing a policy, the confusion sinks in and one big question often comes to mind: how much life insurance coverage do I need?
A life insurance policy isn’t “one-size-fits-all.” Everyone has a unique financial situation, so coverage needs are just as unique. To answer this question, you’ll need to get your own personal estimate. Although meeting with your life insurance agent will give you the most accurate results, there are a few different methods you can use to get started.
One way to determine the costs you’ll leave behind is through the “DIME” method. DIME stands for:
D - Outstanding Debts
I - Income Replacement
M - Mortality
E - Education
To get an estimate of how much coverage you will need, take some time to list out all of your expenses that fall under these four categories.
Debt
Outstanding debt can be anything from outstanding student loans, to money you owe on a credit card. You also want to be sure your family can keep their home and stay there for years to come, so be sure to factor in your mortgage into your life insurance estimate. Regardless of how the debt was accumulated, you don’t want these expenses falling on the shoulders of your loved ones.
Income
How will your absence affect your family’s finances? Income replacement calculates just that—the amount of coverage your loved ones would need to continue living a similar lifestyle. Consider day-to-day living costs, as well as other types of spending, like childcare. And keep in mind that inflation will likely cause costs to increase. Don’t forget to factor in income that comes from any investments, in addition to the income that comes from your job.
Mortality
The mortality portion of “DIME” covers all final expenses, including funeral costs and other expenditures associated with end-of-life. When estimating final expenses, you may want to leave a little wiggle room for costs that you may not anticipate or be able to determine an exact number for, such as unpaid medical bills. There are also many costs and taxes that come along with settling your estate, so keep that in mind as well.
Education
If you have children who are in or are planning on going to college, or even a spouse who may want to go back to school, consider the costs of their education when estimating your life insurance policy.
Once you add up all of these expenses, you may end up with a pretty big amount. However, there are a few items that you can subtract from this number, such as the amount of coverage on a group life insurance policy, funds from your retirement plan or any other savings you’ve accumulated.
In addition to the DIME exercise, there are many online tools you can use to help you estimate your needs. For instance, Life Happens provides a nifty online calculator for estimating these costs. Enter all of your information in the form, and click on the question marks next to each form field for additional tips and information. Once you’ve filled in all of the fields, Life Happens will instantly estimate how much life insurance you need.
While the DIME method and Life Happens’ calculator are helpful tools, they cannot replace the knowledgeable insight and helpful advice of an independent insurance agent. At Katzbach Insurance we will speak with you about all aspects of your life, and work with you to find the right amount of coverage for your specific needs.
Article by: Grange Insurance
www.katzbachinsurance.com
440-835-1770
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Angela Adams Consulting Services
Angela Adams Consulting is the premier resource for independent agencies providing advice, custom solutions, and remote services related to front and back office insurance agency operations.
Our clients have driven our evolution towards becoming a full-service insurance consulting firm. As agency challenges evolve, so do our services. Our exclusive team of consultants, accountants, and insurance specialists has a passion for thinking outside the box and a relentless approach to success. We pride ourselves on moving beyond obstacles created by software, outdated processes, or inexperience. We promote healthy conversations to solve problems and ask the right questions to encourage new ways of thinking. We understand that each client has a unique culture, goals, market segments, and environment, so we work hard to customize solutions that will yield the best results for their distinct needs.
Our real-world approach coupled with proven agency-building experience create the perfect environment for the development of strong ideas that are both strategic and effective, providing clients with exciting, integrated agency solutions. We are continually focusing on increasing knowledge and making sure our clients are receiving the absolute best advice.
Hundreds of agencies across the country know they can always count on our team for the right answers and the best solutions. We earn and maintain their trust because we genuinely care about their success and what is best for the independent agency.
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Claeys Group Insurance Services Explains the Benefits of Using an Independent Agency when exploring Medicare Insurance Claeys Group Insurance recommends that new Medicare Beneficiaries researching coverage options reach out to an Independent Insurance Agency for best results. Working with an independent agency gives Medicare beneficiaries the peace of mind that they are receiving unbiased advice and the best possible coverage options.” — John Claeys, Founder/CEO TYLER, TEXAS, UNITED STATES, February 15, 2024 -- Claeys Group Insurance Services, LLC, a leading independent insurance agency specializing in Medicare coverage, is urging those exploring Medicare insurance options to consider the many advantages of working with an independent agency. When it comes to finding the best coverage options ...via Claeys Group Insurance Services - Tyler, TX Medicare Insurance Agency
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Comparing Final Expense Insurance Policies
The burial insurance, known as final expense insurance, the market is set to increase by 3.6% by 2030.
This shows that more people are becoming concerned with having their end-of-life insurance in place. Then, the process can become less stressful for family members who are left behind.
Burial insurance covers funeral arrangements, burial expenses, and associated medical bills. Are you covered for final expense life insurance?
If not, we’re here to tell you about the different insurance policies you can take. That way, you can choose the one that’s right for you.
Read on to learn more.
Types of Final Expenses Life Insurance
There are four main types of burial insurance that you can take out. Here we’ll tell you what they are and explain them to you. These include:
No waiting period insurance
Simplified issue insurance
Guaranteed issue insurance
Pre-need insurance
No Waiting Period Insurance
You can get your final expenses paid outright with zero waiting time. However, you don’t have to use it immediately, and it’s down to you when you want to spend it on your funeral costs.
No waiting period insurance is given, with no medical bills, costs, or physical assessments needing to be carried out.
Simplified Issue Insurance
Health gets examined based on your medical history. Are you a smoker? Do you have any health-related issues?
These are taken into account and may affect the cost of your insurance. In fact, you may even receive a complete refusal depending on your circumstances.
Guaranteed Issue Insurance
No medical tests are needed here. But it comes with a risk and can drive up the payment for your insurance. Also, you can’t touch the full death benefit for your life insurance final expenses until you’ve reached a specific time limit, generally between two and a half years.
If you do happen to die and no health-related issues are present before this time, your beneficiaries will only receive a partial cut of the payment. However, full payment is generally provided when death is due to an accident.
Pre-Need Insurance
You need an agreement in place here with your funeral provider. This includes particular products and services you’ve got with your provider.
The payout goes directly to you rather than any heirs or beneficiaries with whom you’ve contracted.
Book Us for Your Final Expense Insurance Today
Final expense insurance is needed so your family can be duly paid in case you pass away. These costs are then put towards funeral and burial expenses. Here, we’ve looked at the four main types of burial insurance available.
No waiting period insurance may be the best choice due to the benefits of not waiting for your payment, which can place added anxiety on you when your family member passes away.
You shouldn’t wait any longer and get on board with us today for your final expense insurance. Get in touch with us, and we’ll get you sorted with your insurance immediately.
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https://usalifeteam.com/comparing-final-expense-insurance-policies/?utm_source=rss&utm_medium=rss&utm_campaign=comparing-final-expense-insurance-policies
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Social Isolation
Our older generation, they've seen a lot and lived through many experiences and changes.
Although now taking life a little slower, they still shouldn't have to spend it alone.
Becoming lonely can be a very common problem at any age, however the possibility of loneliness is higher within the elderly, leading to social isolation.
1 in 3 over 65's have experienced bereavement of a partner, resulting in living alone.
At Lapis Care, we encourage people to be independent for as long as they possible can, this also includes high encouragement to continue to persue hobbies and interests that people enjoy or ensuring quality time is spent with others.
We can share with experience that these things will and do increase people moral and happiness, which enriches their lives.
There are many circumstances that can impact social isolation and also barriers we need to overcome.
As part of Lapis Cares' Enrichment Initiative (and because its feel good Friday!) We have been meeting with clients, especially throughout this pandemic, that have not been able to get out recently and who are missing their usual social outings, including our 'Young at Heart' day service.
Our staff have been dedicating time with these clients to ensure they are still getting the social interaction they need. This has included, shopping trips, playing cards, doing crafts, gardening and even trips out.
This is a lovely photo taken last week, one of our clients enjoying a day out at the seaside!
Please reach out to friends, family and neighbours if you know they are living alone or not seeing many people, especially at this time. It is an opportunity to reach out and let them know they are not alone. Even a conversation can change someone's day.
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Branch Insurance expanded into 14 states in just 1 year. Join us live on June 22 at 10am Pacific for this timely conversation an...
Branch Insurance expanded into 14 states in just 1 year. Join us live on June 22 at 10am Pacific for this timely conversation and a behind-the-scenes look at how they did it.
Reserve your seat! https://bit.ly/3Qp4PRL
#sponsored by ClarionDoor - a Zywave company
#independentagency #insurance #agencygrowth #futureproofyourbusiness
via Best Insurance Ocala
Griffin Insurance Agency, 2139 NE 2nd Street A, Ocala, FL 34470, (352) 732-7105
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