Wednesday, September 10, 2014

Life happens

Life insurance is the cornerstone of a sound financial plan. Protecting what you value the most is what we naturally do for those we love. It's never too late or too early to protect your family's financial future. Truth is, it is difficult to have discussions on mortality. Reality is, mortality is just as real as the nose on your face. The difficulty of the conversation should not stop you from pre-planning. The time to have these discussions is now when your at your youngest and healthiest.

Pre-planning brings value and sense of security. There is no better feeling knowing that you have laid out a financial plan for your family. The flexibility of life insurance ensures you have enough money available to cover final expenses. The wide range of available products will provide the coverage you need. Another value added benefit at no cost to you or the beneficiary is that the money is federal income tax free.

There is no such thing as one-size fits all life insurance. You have unique needs, goals and responsibilities so you need a life insurance plan that's designed specifically for you. Building a successful life insurance program starts with paying attention to detail and a qualified life insurance representative. If you would like to learn more how life insurance products can help you, contact me  for a consultation. As an experienced representative, I will provide you with a financial needs analysis, review products with you and provide you with an individualized plan that is best to fit your needs.

Smart financial health,

Trisha M. Pacenti RN,BSN

Friday, September 5, 2014

Skin health

Smoking and excessive exposure to the sun's ultraviolet rays cause rough, dehydrated skin. The water reserves needed to maintain nourishment of the deepest layers of the skin diminishes while collagen fibers weaken and break. The UV rays create an increase in melanocytes causing freckles, darkened and discolored skin.

Over time skin becomes dehydrated and less pliable. The skin is the largest organ of the body. Specific care is needed to ensure healthy skin integrity. 

Although the picture seen here is a mannequin, the artist was able to capture a true likeness of what can and does happen to the skin with a lifetime of smoking and excessive sun exposure.

Smart choices,

Trisha M. Pacenti RN,BSN