Having scoliosis or other back problems can make exercise difficult. The good news is that there are a multitude of stretches that can improve your back issues and help you gain more mobility and ...
Medicare drug plans, also known as Medicare Part D, help seniors cover the cost of their prescription medications. With so many options to choose from, it can be overwhelming to decide which plan is ...
As we age, our eyes go through various changes that can affect our vision. It’s important for senior citizens to get regular vision screenings to ensure they maintain good eye health and prevent ...
As you approach Medicare eligibility, you will likely be inundated with mailings, information packets, and terms that you may not be fully aware of. This article will address a few of the common ...
Annuities are a valuable tool that can shape a retirement plan and give security to those who can’t afford to heed the risk that other financial growth products have. Just like other insurance ...
Are you a grandparent looking for more fun things to do with your grandchildren? Does it seem like just yesterday they were amused with funny peek-a-boo games and colorful toddler toys, and you can’t ...
January is National Blood Donor Month, an effort to publicize the importance of blood donation and encourage people to donate blood. Continue reading to learn more about donating blood.
At Twin City Underwriters, we help Medicare enrollees feel more at ease and in control over their healthcare decisions. Many of our long-term clients first get to know us at a free Medicare workshop ...
With the current state of the world, it is no surprise that mental health concerns are on the rise. Awareness of depression symptoms and being proactive in seeking mental health care can make a ...
Life moves quickly, but it’s important to take time to review your life insurance policies at least once each year. Ensuring everything is up to date within your policy can allow you to feel ...
Planning for retirement can bring many emotions – excitement, confusion, and even fear of the unknown. Having confidence in your financial well-being is one of the best ways to establish a joyful ...
The holidays! A time for family, friends, and special memories – or at least, that’s what we hope for. Sometimes the holiday season is stressful, lonely, and difficult, and we may even find ourselves ...
You spend the first 65 years of your life contributing to Medicare taxes, so naturally, you may wonder: what do you get with Medicare? Are there any options for coverage beyond Original Medicare? ...
When deciding on a life insurance policy that meets your needs, it is helpful to know the options and how they differ. Here, we will review how term life insurance and whole life insurance policies ...
November is National Diabetes Month, making this is an ideal time to revisit the disease’s significance and its impact on many lives. An estimated 33% of people 65 and older have diabetes (2022). ...
When you shop at Amazon or Target, or visit restaurants and retail businesses, ratings help you decide what and where to purchase. This is also important when making impactful decisions, such as ...
Original Medicare can leave a lot of gaps in your health coverage. For example, there is no maximum out-of-pocket limit on your health care costs when enrolled in just parts A and B. This means that ...
When applying for a life insurance policy, it is helpful to know the different types of life insurance underwriting you may experience as you go through the approval process. Let’s look at what it ...
We are stronger when we face things together! October is Breast Cancer Awareness Month and a chance to show support for the many people in our communities affected by breast cancer. Here are several ...
Medicare scams have seen a staggering rise in the past few years. If you are on Medicare or are nearing your Medicare eligibility, you have likely received countless mailers, seen the ...
What is a MYGA? MYGA stands for Multi-Year Guaranteed Annuity. This specific type of annuity offers a guaranteed fixed interest rate for an established period of time selected by the owner (e.g. 4% ...
As autumn arrives, Medicare recipients will be bombarded with Medicare mail. Most of the time, it is just advertisements from organizations trying to sell you what they have to offer. However, there ...
As you age, it may be important to leave a piece of life’s greatness to your future generations. That can mean sharing an heirloom that has been passed down from prior generations, contributing ...
Prepare yourself: we are about to enter the season of Medicare advertising. Soon you won’t be able to escape the barrage of mail, television, and online commercials about Medicare.
At Twin City Underwriters, we know how overwhelming the Medicare journey can be. Before joining, you’ll find yourself wondering – When do I apply? What type of plan is right for me? What insurance ...
With multiple kinds of annuities available, it is important to know how each of them works. Looking at an annuity in its entirety, the common goal is to increase the value of the amount vested and ...
When it comes to life insurance, it is essential to define what you want to protect in the event of your passing. Determine your goal: perhaps you want to leave a legacy with a loved one or make sure ...
There are so many ways to utilize technology to ensure we stay close and connected to loved ones who are away. Video Chats and Zoom events have become rituals for families with time zone challenges. ...
Dental care is essential to our overall health. When considering having dental work or dental implants done, remember first to check what dental coverage your current insurance provides.
Are you eager to check off a list of desired places on your travel bucket list? We look forward to hearing about your plans! As you buy your tickets and pack your bags, here are some planning ...
Summer! The season that makes us forget the cold of the previous months. The season that brings sports, graduations, outdoor activities, gardens, the Minnesota State Fair, and all sorts of fun in the ...
An annuity can play an important role in your retirement. Whether you are trying to increase your retirement savings, control some tax exposure while accumulating, or need guaranteed income, there ...
Caring for aging parents can be stressful and overwhelming. Focusing on what you can control and where you can receive support in this situation can help lead to a better outcome. When supporting an ...
In today’s day and age, one might find it easy to feel disconnected with the world. With that disconnection some may feel that their senses are dulled, or that their memory retention and focus have ...
Many people wonder if life insurance provided by employers offers sufficient coverage. If you were to pass unexpectantly, do you know if the policy benefit will cover your income and the expenses ...
Did you know that within the first 12 months of getting part B of Medicare, you get a free “Welcome to Medicare” preventive visit with your primary care provider? You do! Each year thereafter, ...
Ready to fulfill your travel bucket list? Have your destination set and your passport in order? Have you considered your Medicare health coverage for your upcoming trip? We have you covered. Here is ...
With all the commercials, mailings, and other Medicare communication, you may wonder if your Medicare plan offers those extra benefits you hear people talking about. One of those extras might be ...
When you start Medicare, it’s helpful to know exactly how to use your new Medicare card. Where should you keep it, when do you show it, and how do you keep it safe? We’ll cover all of this and more ...
As the weather warms and the flowers bloom, it’s a perfect time to get outside and reconnect with people, nature, and the things that bring us joy. Here are a few ways to get outside and stay active ...
Regular health screenings are one of the best ways to prevent disease and identify potential risk factors. Because of this, Medicare plans generally cover all basic screenings – and even some that ...
Life insurance seems straightforward, but it can get complicated pretty quickly. If you’re confused about life insurance and which plan is right for you, it may be helpful to have a knowledgeable ...
There are some health care costs, such as copayments and deductibles, that are not fully covered by Medicare. One can expect to incur these types of expenses, which is why a Medigap plan may be a ...
If you need to increase your life insurance coverage outside of an enrollment period or above set coverage limits, you may have to undergo a life insurance health exam. That may sound intimidating, ...
When you’re newly eligible for Medicare, the options can be overwhelming. What’s the difference between Original Medicare, Medicare Advantage, Part D and Medigap? How do I know if I need a Medicare ...
Eating a healthy diet can be tough at any age, but it’s often especially difficult for seniors. There are many reasons for this. Appetites fluctuate, nutritional needs change, and chronic disease or ...
IRMAA stands for Income Related Monthly Adjustment Amount. In short, IRMAA is a potential extra charge added to your Medicare Part B or Part D premium that is determined based on your income. In ...
