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 ...
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Does Medicare Have a Deductible?
Medicare is not always the most straightforward to understand, and associated costs are often a key factor when starting or re-enrolling in a Medicare plan. When you begin researching your Medicare ...
Do Doctors Not Like Medicare Advantage Plans?
Medicare Advantage plans (MA / MAPD’s) are one of the most common Medicare plan enrollments among seniors. As of 2023, Medicare Advantage plans have 30.8 million individuals enrolled, constituting ...
Does Medicare Cover Hospice Care?
Original Medicare covers many medically necessary medical services that one would need; however, at the same time, Medicare doesn’t cover everything, and seniors may find themselves paying out of ...
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 ...
What’s the Difference: Medicare Advantage Plans vs. Medicare Supplements
When you are starting Medicare or reviewing your plan options during the Annual Election Period there is a lot to consider. One of the biggest decisions you will make is what type of Medicare ...
What is the Medicare Advantage Open Enrollment Period (OEP)?
The Medicare Advantage Open Enrollment Period (MA OEP), which occurs annually from January 1 to March 31, is a time for Medicare Advantage plan members to adjust their existing plan or switch back to ...
Where to Find Medicare Information Meetings in Minnesota
For most people, the earliest you start your Medicare is the first day of the month you turn 65. But the information gathering process starts long before that. Some individuals seek out information ...
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 ...
What You Need to Know About Medicare Supplements in Minnesota
When you turn 65 and start Medicare, there are several different ways to receive coverage. One of the coverage options is to supplement your original Medicare (Parts A/B) with a Medicare Supplement ...
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 ...
Medicare Benefits You May Not Know About
Medicare is a federal health insurance program designed for seniors and individuals with qualifying disabilities, that offers a wide array of coverage benefits. In the complex landscape of medical ...
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 ...
Top Gathering Spots for Seniors in the Twin Cities
When you retire, you have the best intentions to make the most of every day and remain engaged, but sometimes, you find yourself stuck in a less-than-exciting daily routine. In order to promote ...
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 ...
What’s the Difference Between Preferred and Standard Drug Costs?
If you have Medicare Part D or other drug coverage, drug costs can be a concern. One way to save money on prescription drug costs is to know the difference between preferred and standard drug costs. ...
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 ...
Does Medicare Cover a Gym Membership?
Did you know that Medicare plans like Medicare Advantage and Medicare Supplement Plans, often offer gym memberships and fitness programs? These beneficial programs help with improving your health so ...
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 ...
How Seniors Can Stay Healthy With Everyday Movement
Daily movement provides many health benefits that can help older adults and seniors maintain a healthy and active lifestyle. We’ll cover practical and accessible ways that older adults can promote ...
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?
Healthy Eating Tips for Older Adults
Eating healthy is important at all ages, though it is essential to maintain optimal health and wellness as we age. A healthy diet can help reduce the risk of illnesses and chronic diseases. By eating ...
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 ...
4 Medicare Costs That Can Affect Your Retirement
Retiring is a time of many changes, and one of the most significant considerations you’ll encounter will be your healthcare. Learning about Medicare costs can help ensure you’re taking a proactive ...
How Does Medicare Work with Social Security?
Medicare and Social Security are two separate programs that serve to provide financial protection and health insurance to the US population.
Support Services for Seniors Aging in Place
Community resources are helpful, especially when it comes to taking care of loved ones. This is why support services are available to help those who can’t perform simple tasks on their own, like ...
Can I Buy Life Insurance For Another Person?
Life insurance is important for your loved ones, and getting them insured may be a concern of yours, but what if they don’t take out life insurance on their own? In this article we’ll talk about how ...
Easy Stretches for Scoliosis and Other Back Problems
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 ...
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 ...
How Often Should Seniors Get Vision Screenings?
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 ...
Medicare Versus Medicaid: What’s the Difference?
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 ...
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 ...
Fun Things to Do with Grandkids
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 ...
How Much Does Insulin Cost in Medicare?
What Will Insulin Cost Me in Medicare?
The Importance of National Blood Donor Month
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.