When you are buying life insurance, make sure you know what type it is and how the policy is structured. If you have life insurance in force, make sure it is not disguised as term insurance.
Term insurance ends at term. If you outlive the end of term insurance, all the premium you paid for the last 10 or 20 years is gone. It does not build cash value. It does not renew. You must go through the application process again. One of the deciding factors of premium is age. The older you are the higher the premium. If you pass away when your term insurance is no longer in force, you have no insurance to pay for final expenses. Your family will be financially burdened by the high cost of death related expenses.
The final expense programs offer guaranteed premium will never change and will provide funds to your survivors when they need it most as long as premiums are up to date.
Beware of programs that have a decreasing death benefit. While premiums typically remain unchanged, the amount of coverage you leave your loved ones can be drastically reduced. The final expense programs Transamerica and Mutual of Omaha offers have guaranteed death benefit that will never decrease.
Beware of companies that have association fees. They will market guaranteed premium programs disguised with other fees. The life insurance premium rate is guaranteed but the association fees can increase at the company's discretion. The final expense programs offered by Transamerica and Mutual of Omaha have no association fees. Therefore, the rates will never increase.
Does your current life insurance cover you for both accident and illness? If your death is caused by illness and your life insurance is accident only, your family will not collect the death benefit from that policy.
Transamerica and Mutual of Omaha offers insurance policies that cover both accident and illness. There is no waiting period and coverage begins after the first month's premium is collected. Death does not wait until you are ready. Be prepared and be completely covered. The application process is easy and quick. The turn around time for coverage is up to 2 weeks with an average of 5 business days. Life insurance is the 2nd largest purchase in life but is is the most important purchase in life.
Visit my website for additional information. I look forward to getting you financially protected.
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Tuesday, February 23, 2016
Women and obesity
Obesity, or too much body fat, is a chronic disease that is a health threat for women at every stage of life. Obesity is linked as a contributing factor to serious health conditions. As the prevalence of obesity has grown significantly, obesity has become the second largest cause of preventable death in the United States, following tobacco. Today's children and young adults are on track to mature into the most obese generation in US history, creating pressure on the health care system to deal with fat related disease.
As much as we like fast food, it will cause weight gain. Salts cause water weight gain giving that bloated feeling. Your body will breakdown the fat using what it needs for cellular energy and growth while the rest will be distributed and stored. American obesity has been linked scientifically to the typical American diet that is high in fats, salt and sugar. Sodas and juices are high sugary and acidic drinks. The acid will weaken and strip away tooth enamel. The sugar is empty calories and will essentially cause hunger and crave more sugar.
As women age, our metabolisms slow, hormone levels fluctuate and energy decreases. Lack of regular exercise and a sedentary lifestyle will cause weight gain. If we don't keep our eating habits in check and make the right food choices, packing on the pounds is easy to do. Having the "I just don't care" "I've always been heavy" "I've tried to lose the weight but can't" way of thought is self-defeating. Don't make the possible seem impossible. The first step in losing weight is to believe you can. Otherwise, the lackadaisical attitude will keep you on the merry-go-round of mood changes and health risk. A positive attitude toward food choices and exercise will help maintain a healthy weight.
Unhealthy diets and obesity will lead to:
Obstetric and Gynecologic Complications, Cholecystitis and pancreatitis, sleep apnea, Stroke, surgical complications and longer recovery times, Type 2 Diabetes (NIDDM),
Breast Cancer, low back pain, arthritis.
The risk of developing hypertension and cardiovascular disease is increased with the coexistence of obesity and type 2 diabetes increasing morbidity and mortality. Body weights 20-30% above the ideal have mortality rates 2.5 to 3.3 times higher than for those of normal weight with type 2 diabetes!
Given all the scientific evidence and what we know, the percentage of overweight and obese Americans remains at an all time high. Making healthy food choices, incorporating exercise and living an overall healthy lifestyle is wiser and safer than choosing a life with a high risk health threat.
Good Health,
Trisha M. Pacenti
www.nurseinsagent.com
As much as we like fast food, it will cause weight gain. Salts cause water weight gain giving that bloated feeling. Your body will breakdown the fat using what it needs for cellular energy and growth while the rest will be distributed and stored. American obesity has been linked scientifically to the typical American diet that is high in fats, salt and sugar. Sodas and juices are high sugary and acidic drinks. The acid will weaken and strip away tooth enamel. The sugar is empty calories and will essentially cause hunger and crave more sugar.
As women age, our metabolisms slow, hormone levels fluctuate and energy decreases. Lack of regular exercise and a sedentary lifestyle will cause weight gain. If we don't keep our eating habits in check and make the right food choices, packing on the pounds is easy to do. Having the "I just don't care" "I've always been heavy" "I've tried to lose the weight but can't" way of thought is self-defeating. Don't make the possible seem impossible. The first step in losing weight is to believe you can. Otherwise, the lackadaisical attitude will keep you on the merry-go-round of mood changes and health risk. A positive attitude toward food choices and exercise will help maintain a healthy weight.
Unhealthy diets and obesity will lead to:
Obstetric and Gynecologic Complications, Cholecystitis and pancreatitis, sleep apnea, Stroke, surgical complications and longer recovery times, Type 2 Diabetes (NIDDM),
Breast Cancer, low back pain, arthritis.
The risk of developing hypertension and cardiovascular disease is increased with the coexistence of obesity and type 2 diabetes increasing morbidity and mortality. Body weights 20-30% above the ideal have mortality rates 2.5 to 3.3 times higher than for those of normal weight with type 2 diabetes!
Given all the scientific evidence and what we know, the percentage of overweight and obese Americans remains at an all time high. Making healthy food choices, incorporating exercise and living an overall healthy lifestyle is wiser and safer than choosing a life with a high risk health threat.
Good Health,
Trisha M. Pacenti
www.nurseinsagent.com
Sunday, January 24, 2016
How winter weather effects health
Why is it important to dress accordingly? Simply wearing a hat on your head will keep you warm as most of your body heat escapes through the top of your head. Cold air is an irritant to mucous linings. When cold air irritates the mucous lining there is an increase of mucus secretion. Runny nose and phlegm are the result of an irritated mucous lining. This compromise within the mucous lining places you at risk for lower and upper respiratory illness.
Cold air constricts the blood vessels. When blood vessels constrict, the heart will beat harder and faster to maintain blood flow throughout the body. As a result blood pressure increases, a blood clot may form and the risk for stroke increases. An individual who does not exercise on a regular basis, generally out of shape, a smoker, you are at risk of suffering a cardiac related event just by shoveling snow. Snow shoveling is enough to cause increased physical exertion and added cardiac stress. This can be devastating to individuals who have a cardiac history, such as high blood pressure or cardiac stents. Diabetics are also vulnerable to cold air crisis'. Blood vessels in diabetes are damaged due to the break down of the interior lining of the blood vessel wall. People with asthma are at risk. The bronchial tree in asthma is irritated and inflamed with increased fluid production. The sudden swallow of cold air could trigger a respiratory constriction.
Going from a warm home to the cold outside is just enough to create a health problem. The sudden extreme flip-flop in temperature is a shock to the human body. Take caution and dress to prevent cold air health crisis.
The more you know.
Cold air constricts the blood vessels. When blood vessels constrict, the heart will beat harder and faster to maintain blood flow throughout the body. As a result blood pressure increases, a blood clot may form and the risk for stroke increases. An individual who does not exercise on a regular basis, generally out of shape, a smoker, you are at risk of suffering a cardiac related event just by shoveling snow. Snow shoveling is enough to cause increased physical exertion and added cardiac stress. This can be devastating to individuals who have a cardiac history, such as high blood pressure or cardiac stents. Diabetics are also vulnerable to cold air crisis'. Blood vessels in diabetes are damaged due to the break down of the interior lining of the blood vessel wall. People with asthma are at risk. The bronchial tree in asthma is irritated and inflamed with increased fluid production. The sudden swallow of cold air could trigger a respiratory constriction.
Going from a warm home to the cold outside is just enough to create a health problem. The sudden extreme flip-flop in temperature is a shock to the human body. Take caution and dress to prevent cold air health crisis.
The more you know.
Saturday, December 5, 2015
Holiday Spending
This is the time of year people have a tendency to overspend and focus on items that are eventually outgrown or become bored with. Some items are returned or stored somewhere in the house never to be seen again. No use for it, don't like it or just don't want it and not even worth the time it takes for a store return. If you are living pay check to pay check, it would be to your benefit to spend wisely.
Once the holidays are over, take a moment to count the money you spent on the spirited holiday season. How much money did you spend or family spend on you? Really, is it the gifts that make the season? Is it who can out do each other in quantity or cost? Keep your spending in check and don't allow the demands of family and friends break your budget.
This is the time of year to evaluate your financial health particularly financial stability. If you truly want to give the gift that keeps on giving, take a good look at your financial health and see where improvements can be made. Do you have a life insurance policy in place or a catastrophic plan? If you really want to outdo your neighbor or friends, buy your family financial stability.
The new "it" gift is financial security and peace of mind. Look into purchasing a life insurance policy or a growth and income annuity for your children, grand-children, niece, nephew. By doing so, you are enabling a financial head start and securing low monthly premiums. A whole life policy will earn interest and cash value. A term life policy on yourself is a sound way to transfer money upon your death tax free. You work hard for your money, make your money work hard for you.
Celebrating the holidays is fun and exciting but you don't have feel the pinch in your finances. Be practical in spending. Gift giving is a nice gesture, but financial peace of mind is nicer.
Happy Holidays,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Once the holidays are over, take a moment to count the money you spent on the spirited holiday season. How much money did you spend or family spend on you? Really, is it the gifts that make the season? Is it who can out do each other in quantity or cost? Keep your spending in check and don't allow the demands of family and friends break your budget.
This is the time of year to evaluate your financial health particularly financial stability. If you truly want to give the gift that keeps on giving, take a good look at your financial health and see where improvements can be made. Do you have a life insurance policy in place or a catastrophic plan? If you really want to outdo your neighbor or friends, buy your family financial stability.
The new "it" gift is financial security and peace of mind. Look into purchasing a life insurance policy or a growth and income annuity for your children, grand-children, niece, nephew. By doing so, you are enabling a financial head start and securing low monthly premiums. A whole life policy will earn interest and cash value. A term life policy on yourself is a sound way to transfer money upon your death tax free. You work hard for your money, make your money work hard for you.
Celebrating the holidays is fun and exciting but you don't have feel the pinch in your finances. Be practical in spending. Gift giving is a nice gesture, but financial peace of mind is nicer.
Happy Holidays,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Monday, November 16, 2015
Everyone can afford life insurance
If you are many working families, single mothers or single persons who live pay check to pay check, you can afford life insurance. You are the image of life insurance. If you are pinched for money now imagine what will happen to your family or estate if you have no financial protection at all on anything.
Unfortunately talking yourself out of estate planning does not pay the bills or cover death related expenses. Talking yourself into reasons why you cannot afford life insurance does nothing beneficial. Excuses places yourself and family in financial jeopardy. This is not a reality to be in. A financial crisis will occur. Carving life insurance premiums into your monthly budget is not a chore its a necessity.
Reasons for financial planning:
Reason #1
To pay bills. Most importantly, mortgage. This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with. Have no mortgage? A life policy is still a solid investment to pass on to your survivors tax free. The proceeds may be used how ever the situation calls for.
Reason #2
Young, fit and healthy? This is the best time to buy life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. When you develop health issues later on in life, it doesn't matter, because you already have the policy in force.
Reason #3
Are you married? Do you have a domestic partner? If you parish and leave no/not enough money behind to help cover bills and death related expenses, the potential of personal bankruptcy looms over the survivors. Do you want to put those financially dependent on you through added financial stress on top of the emotional turmoil caused by your death?
Reason #4
Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation of a terminal diagnosis from your treating physician. You will have the money to help get your affairs in order.
Having life insurance in force ensures there is a financial plan in place for those left behind. The premiums of life insurance are small and affordable to anyone's budget. Remember it is important for you to discuss options with your agent and decide on a type of policy: universal or term that fits your individual needs.
Be pro-active and discuss your wishes with the beneficiary(s). He/she needs to know what your last wishes are and where your life policies are kept. This is not a taboo subject nor is it a subject to be ignored or taken lightly.
Think ahead because the inevitable will be here if your ready or not.
Forward thinking pays big rewards!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Unfortunately talking yourself out of estate planning does not pay the bills or cover death related expenses. Talking yourself into reasons why you cannot afford life insurance does nothing beneficial. Excuses places yourself and family in financial jeopardy. This is not a reality to be in. A financial crisis will occur. Carving life insurance premiums into your monthly budget is not a chore its a necessity.
Reasons for financial planning:
Reason #1
To pay bills. Most importantly, mortgage. This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with. Have no mortgage? A life policy is still a solid investment to pass on to your survivors tax free. The proceeds may be used how ever the situation calls for.
Reason #2
Young, fit and healthy? This is the best time to buy life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. When you develop health issues later on in life, it doesn't matter, because you already have the policy in force.
Reason #3
Are you married? Do you have a domestic partner? If you parish and leave no/not enough money behind to help cover bills and death related expenses, the potential of personal bankruptcy looms over the survivors. Do you want to put those financially dependent on you through added financial stress on top of the emotional turmoil caused by your death?
Reason #4
Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation of a terminal diagnosis from your treating physician. You will have the money to help get your affairs in order.
Having life insurance in force ensures there is a financial plan in place for those left behind. The premiums of life insurance are small and affordable to anyone's budget. Remember it is important for you to discuss options with your agent and decide on a type of policy: universal or term that fits your individual needs.
Be pro-active and discuss your wishes with the beneficiary(s). He/she needs to know what your last wishes are and where your life policies are kept. This is not a taboo subject nor is it a subject to be ignored or taken lightly.
Think ahead because the inevitable will be here if your ready or not.
Forward thinking pays big rewards!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Friday, September 25, 2015
Americans and Emergency Savings
Which category are you?
http://www.bankrate.com/
By failing to adequately prepare you are preparing to fail.
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
- 29% NO savings
- 22% 6 months of savings
- 21% Less than 6 months of savings
- 15% 3-5 months of savings
- 13% Didn't know/declined to answer
http://www.bankrate.com/
By failing to adequately prepare you are preparing to fail.
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Cost of life insurance
The true cost of life insurance. 3 out of 4 people believe they have a good understanding of life insurance. But do they really? When asked specific questions of life insurance they don't understand the different types of life insurance, how it works and the benefits that come along with it. When it comes to cost, ideas are all over the board. People throw numbers around and they have no idea how they came up with that number. That "number just sounds right" to them.
Fortunately, business does not work that way. There would be no thought, no structure, no logistics, no analysis, no statistical means on conducting business. It would just be, "well that number sounds good so lets use that one." Doesn't make any sense does it? Businesses would collapse and households bankrupt without any true mathematical sequence used to generate a number. Math is incorporated into every life.
When asked how much a yearly premium would be for a 20 year level term policy with a face value of $250,000 the answers were all guessed. It was obvious people did not understand the question and numbers shouted out reflected their lack of understanding of life insurance.
Annual premiums on life insurance is much less expensive than you think. The value added benefit of having life insurance far outweighs any monthly bill you have. Cost of life insurance is less than your cable bill, less than your phone bill, grocery bill. etc. One vacation could pay for many years of insurance premium.
In summation, before you say no or render an opinion on something you know nothing about, do due diligence and take the time to learn about how insurance can prevent financial ruin.
Learn more at www.lifehappens.org/barometer
The more you know,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Fortunately, business does not work that way. There would be no thought, no structure, no logistics, no analysis, no statistical means on conducting business. It would just be, "well that number sounds good so lets use that one." Doesn't make any sense does it? Businesses would collapse and households bankrupt without any true mathematical sequence used to generate a number. Math is incorporated into every life.
When asked how much a yearly premium would be for a 20 year level term policy with a face value of $250,000 the answers were all guessed. It was obvious people did not understand the question and numbers shouted out reflected their lack of understanding of life insurance.
Annual premiums on life insurance is much less expensive than you think. The value added benefit of having life insurance far outweighs any monthly bill you have. Cost of life insurance is less than your cable bill, less than your phone bill, grocery bill. etc. One vacation could pay for many years of insurance premium.
In summation, before you say no or render an opinion on something you know nothing about, do due diligence and take the time to learn about how insurance can prevent financial ruin.
Learn more at www.lifehappens.org/barometer
The more you know,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
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