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April 16, 2025 |Kari Mellone

You’ve worked hard to build financial security for your family, which is the main reason why you don't want to let taxes diminish their inheritance. With the right life insurance strategy, you can ...

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How to Leave a Tax-Free Inheritance with Life Insurance

You’ve worked hard to build financial security for your family, which is the main reason why you don't want to let taxes diminish their inheritance. With the right life insurance strategy, you can ...

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What is a Medicare Special Needs Plan?

You're probably familiar with Medicare, but you may not know much about Medicare Special Needs Plans (SNPs), a type of Medicare plan designed for individuals with specific healthcare needs. These ...

Traveling Internationally with Medicare

It's important to be prepared when you are getting ready for an international trip so that you can relax and enjoy your vacation. Besides remembering to grab your passport and pack extra socks, it's ...

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What to Look For When Choosing a Medicare Plan

Are you looking for a Medicare Plan to fit your specific needs but don’t know what important factors you need to consider? Whether you are just starting to consider enrolling into Medicare, or you've ...

woman with aging parent and daughter sitting outdoors in park

Navigating Medicare While Caring for Aging Parents and Your Own Family

As part of the sandwich generation, you may find yourself helping to care for your aging parents while managing your own family's responsibilities. This can be a challenge on it's own, but it only ...

longterm care nurse talking with elderly woman holding a cane

Recognizing Medicare Gaps in Home Health Care and How to Fill Them

If you or a loved one is in need of home health care, it's important to understand what Medicare covers for these types of services and what is excluded. In this blog, you'll learn what home health ...

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Understanding Medicare Vaccine Coverage: What’s Included, from Flu to RSV

Have you mastered your Medicare coverage, or are you still trying to figure out the specifics of what's covered and what's not? If you're wondering how various vaccines are covered by your Medicare, ...

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Does Medicare Cover Nursing Homes?

Planning for nursing home care can feel overwhelming, especially when you're trying to understand how Medicare fits into the picture. Whether you're planning for the future for yourself or navigating ...

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Does My Medicare Plan Cover a Fitness Membership?

Staying active as we age is essential for a long and healthy life. If you’ve been looking to maintain your health and energy levels as you get older, you may be wondering if Medicare can help. The ...

Senior aged man on his laptop at a coffeeshop

Why Medicare Education Matters for Making Informed Choices

As you near the highly anticipated age of 65 years old, the excitement of joining Medicare can be overwhelming. Understanding Medicare coverage and the various plan options can be time-consuming and ...

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Alternative Health Care Coverage with Medicare

Alternative health care options like acupuncture, supplements, and therapeutic massage are becoming increasingly popular. With this growing interest, many find themselves wondering if Medicare covers ...

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Does Medicare Cover Eyeglasses and Vision Care?

Do you foresee a new pair of glasses in your future? Maybe your current ones are barely staying together or perhaps you’re finally ready to admit that squinting at the TV isn’t as effective as it ...

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What Preventive Services Are Covered By Medicare?

Staying on top of your health is easier when you know what’s covered by Medicare. From essential screenings to vaccinations, preventive services are an important part of maintaining your health. Keep ...

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Do Medicare Plans Automatically Renew?

If you have a Medicare plan, you may wonder if it automatically renews each year or if you need to take action to keep or change your plan. It’s important to be aware of how your Medicare plan ...

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Review Your Medicare Coverage To Prepare for Changes

Whether you just started Medicare this year or have been on Medicare for several years, it’s probably no surprise that things can change often. In fact, premiums, plan benefits and more can change ...

Benefits of Working with a Medicare Broker

Navigating Medicare can be overwhelming. Understanding the enrollment periods, the difference between a Medicare Supplement and a Medicare Advantage plan and the varying coverage options can be a ...

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Does Medicare Cover Long-Term Care?

Recent studies estimate that at least 70% of older adults aged 65 years and older will require long-term care at some point. Long-term care costs vary throughout the country, but according to the ...

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Are Annuities a Good Investment for Retirement Planning?

Retirement planning should be an essential aspect of each individual’s life. The timing and tactics are often quite varied. Still, it is something that every person needs to make an effort to ...

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What’s the Difference: Insurance Agent vs Insurance Broker

Understanding the roles of insurance agents and brokers is significant when it comes to insurance. These terms are often used interchangeably, which can be confusing. You might be wondering if they ...

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MYGA’s vs. Fixed Annuities: What Sets Them Apart?

Annuities can provide individuals with significant value in retirement planning, such as increasing savings, managing tax exposure, or providing guaranteed income. Understanding the different types ...

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What is Family Life Insurance?

Most individuals are familiar with the term and concept of life insurance, but what about family life insurance? How is family life insurance different from any other life insurance policy? We’ll ...

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How to Help a Senior Parent Transition into Assisted Living

Moving often comes with stress and a long to-do list, and this can be especially true for an adult child and senior parent who has decided to move into assisted living. This transition may have been ...

What is Legacy Life Insurance?

Many individuals decide that one thing they would like to achieve in their lifetime is to leave a meaningful legacy or inheritance for their family and loved ones. One of the ways this is achieved is ...

Should I Buy an Annuity in 2024?

Are you wondering if now is the right time to purchase that annuity you’ve been considering? You are not alone, and timing plays a crucial role in purchasing and using an annuity as a wealth-building ...

5 Travel Tips for Older Adults

Taking a trip can be a fun and exciting time, however the preparations before leaving for a small or grand adventure can be a bit stressful. From travel and lodging plans, to-do-lists, checklists and ...

Annuity Withdrawals: Strategies for Maximizing Income

Maximizing your return is the goal of any investment, and annuities are no different. Making the most of your annuity investment requires not only a strategy grounded in planning and knowledge, but ...

Tax Implications of Annuities: What You Need to Know

An annuity can be a great way to build wealth and prepare for financial success in the future. One of the most important factors to consider when choosing an annuity is the taxation of the profits ...

Are You Satisfied With Your Medicare Advantage Plan?

Are you satisfied with your Medicare Advantage plan? This is a question to ask yourself regularly. Although Medicare plans have many similarities, the benefits and coverage they provide can vary ...

When Should I Sign Up For Medicare?

If you are nearing Medicare eligibility, you are likely wondering when exactly you should sign up for your Medicare benefits. The answer to this question is sometimes more complex than one would ...

Why Timing is Everything When Buying an Annuity

An annuity can be a great way to build wealth and prepare for financial success in the future. One of the most important factors when it comes to purchasing an annuity is timing. Timing will ...

Part B vs. Part D Medicare Drug Coverage

When it comes to Medicare, there are several different parts of coverage that cover various healthcare services and prescription medications. Medicare Part D is commonly known as prescription drug ...

When Can I Make Changes to My Medicare?

If you are starting Medicare or if you are currently on Medicare, it is important to know when you have the option to change your plan coverage. We’ll address the key timeframes to be aware of so you ...

The Donut Hole or Coverage Gap: What You Need to Know

The Donut Hole or Coverage Gap What is it? Will it affect me? When will that happen and how long does it last?

How to Prepare for the Medicare Annual Election Period (AEP)

Autumn.. it’s that wonderful time of year when the leaves start changing, the weather begins to cool down, and the word Medicare appears everywhere you turn! That is because with the change in ...

What is an Inflation Protected Annuity?

Inflation.. it may be more of a concern than ever before. Because of this you are likely considering all the ways you can save and protect your financial future from the impacts of inflation. With ...

Medicare Workshops: The Best Way to Prepare for Medicare

When it’s time to prepare for Medicare, it can be easy to get overwhelmed. You’re embarking on new territory; your mailbox is filled with flyers and postcards, and you really start to notice the ...

Are Dental Services Covered by Medicare Advantage Plans?

If you are starting Medicare or considering changing your current Medicare plan, you may be wondering what coverage is available and how plan benefits differ from one plan to the next. A common ...

What is an Insurance Broker and Why Would I Use One?

What is an Insurance Broker? An insurance broker is a licensed insurance agent that represents multiple insurance companies and matches you with an insurance policy that fits your lifestyle needs. An ...

Long-Term Care Annuity: How Does it Work?

A long-term care annuity is a traditional annuity with a rider designed to help individuals cover the expenses of long-term care services, such as nursing home care or in-home assistance. A long-term ...

Moving with Medicare: What to Know and What to Do

Moving is often a whirlwind of emotions; it’s exciting and stressful all at the same time. Just another thing to add to the long list of to-do’s is your Medicare health insurance coverage. So what do ...

Top 3 Health Tips for Aging Males

Aging is a natural part of life; it brings experience and wisdom and often changes in health and physical abilities. As we age, we are at an increased risk for a range of health issues, from chronic ...

Multi-Year Guaranteed Annuity – How to Choose the Right MYGA

An annuity can provide a reliable, steady income stream and has numerous financial benefits compared to other investment options.

Medicare Secrets You May Not Know About

If you know anything about Medicare, it’s probably the fact that it’s complicated! There is a lot of information to decipher and details to understand. Medicare provides essential health insurance ...

Medicare Penalties and How to Avoid Them

When it comes to Medicare, there is already so much to navigate; the last thing you want to be concerned about or deal with is penalties! Penalties in Medicare can have lasting, lifelong ...

What to Know About Getting Life Insurance if You’re Over 65

If you are considering getting life insurance in your later years, you may be wondering if you can even get covered, and if so, what is the right coverage option for you?

6 Things to Consider When Choosing Medicare Coverage

When it’s time to enroll in Medicare and elect your Medicare coverage options, there is much to consider! Keep these in mind when comparing your Medicare options:

Does Medicare Cover Cataract Surgery?

According to the National Eye Institute (NEI), more than half of older Americans either have cataracts or have undergone surgery to get rid of them. With these statistics, you or someone you know ...

Mistakes to Avoid When Buying an Annuity

As with any impactful financial decision, there is much to consider when purchasing an annuity. You will want to make sure the product you choose is ideal for you and your financial goals. Let’s look ...

Which Medicare Drug Plan is Right for Me?

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 ...

Why or Why Not Have an Annuity?

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 ...