Let's Talk about it

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Everybody says it's ok to talk about it, but nobody wants to talk about it.  We all know somebody that suffers from anxiety or depression, or we know somebody that knows somebody that has a drug or alcohol addiction.  Almost all of us know somebody that is affected by mental illness.

Your health should be the most important thing in your life 


Finding time for mental health is important. Meditating, working out or talking to somebody should be a priority and now there's apps that can help.  Here's a link for the total wellness site. Total Wellness

Let's use this Open Enrollment period as reminder for mental health

The Enrollment period for Health coverage lasts only a few weeks and coverage sold during Open Enrollment starts January 1, 2020.

If you don't enroll during open enrollment you might not be able to get coverage for next year unless you qualify for the Special Enrollment Period which includes a life event like getting married or having a baby.

Enrollment is open all year for Medicaid and Child Health Plus.  It depends on which programs you are eligible for,  it's based on your age, income and other factors. 

New York State of Health has health options available through the Health Plan Marketplace where people can shop and enroll in Health Coverage.  It is also the place to get help from the government for low cost or free coverage from Medicaid if you qualify.

visit NY State of Health or call 1-855-355-5777

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Superhuman Powers

Familiar Insurance Services Inc.

Save a Life

According to DMV's website there's a huge need for organ donations in New York.  Nearly 10,000 New Yorkers are currently waiting for an organ transplant, and every 13 hours someone dies waiting for an organ transplant.  Did you know just one organ donor can save up to eight lives? Yet only 29% of New Yorkers are enrolled in the Donate Life Registry compared to the national average of 51%.

At the DMV website you can create an account, update your address, view the status  of your license and register to become an organ donor.   

NY DMV

DMV offices play a huge role in promoting Donate Life℠, a program to motivate the public to register as organ, eye or tissue donors.  Next time you register a vehicle or renew your license sign up to be an organ, eye or tissue donor.  And now you can make an appointment online before you visit DMV.

Please register as an organ donor and you might be someone's superhero.

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Bread Crumbs

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Getting smarter and smarter

I think it's safe to say we’ve all gotten used to searching on-line for a product and next thing we know,  there’s ads about that product popping up on our social media. But what about when advertisements for things similar to our interests start showing up on our social media?  Like it’s reading our mind. Scary!  Not really, it's part of AI, machine learning.  It uses our patterns to predict outcome. Tracks your cookies (bread crumbs that you leave as you search the web) and compares it with data and people with similar interests and searches to create a personalized experience. These amazing things are happening and the technology is evolving every day. Including the perfection of self driving cars. Insurance companies in most states are using telematic devices and working with electronic logging devices on vehicles to offer discounts to customers that agree to share their usage data.  All this sharing may seem scary but this is our new reality and it's getting smarter and smarter.

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There’s a new place in town

Familiar Insurance Services Inc.

 Pumpkin everything

Autumn begins next Monday.  Fall is the best time of year - The weather’s usually still nice with sunny skies, but leaves start to change colors, and with this comes Pumpkin Latte, Pumpkin Pie, and Pumpkin … everything.  Then starts the countdown to Halloween.  And last but not least, does anything sound better than Sunday Pasta and Football?

Cook like an Italian

I’m not Italian, I learned to cook spaghetti and meatballs from my Husband and his family when we got married 25 years ago.  Since then I cook mainly Italian dishes and I love Italian food!  There’s an awesome new place in town called Narducci’s Pizzeria & Restaurant.  They have the best Meat Lovers Pizza, Gluten Free Pizza, an awesome Penne Carbonara and lots of other yummy dishes on the menu. Mention Familiar Insurance Services to get a 10% Discount.     

  

Falling for Fall

Decorating for fall and winter holidays is arguably one of the most fun things to do.  Spending time with friends and family is priceless.  But with lots of traffic, sometimes accidents can happen.  Protect your assets from an unseen event with a Personal Liability Umbrella Policy which is liability insurance covering above and beyond claims directly relating to your home and auto.  An Umbrella policy also provides coverage for claims that may be excluded by other policies.  Umbrella is affordable and a peace of mind. 

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Short-Term or Longer

Millions of Americans rely on Life insurance to protect their financial security.  What type should you buy?

The Cost of Waiting

In general Life insurance quotes increase as you get older.  When you are young, healthy and insurable is the time to buy and lock in the rate.  Polices are based on a few things, including your age.  The older you are, the higher the risk for the company, the more expensive the policy will be.  Companies also look at your medical history and current health.  If you’re healthy, you’ll get a better rate. 

Temporary Coverage

The best thing about Term polices is that they’re inexpensive and depending on your age, you can get a lot of coverage for about $20 per month.  Term insurance covers you for a certain period of time, like 10, 20 or 30 years.  So, if you buy a 30-year Term policy when you’re 25, you'll choose an amount of coverage and choose one or more beneficiaries.  That policy will cover you for 30 years, until you’re 55.  You are locked into that price for the 30 years, AKA life of the policy.  If you die during those 30 years, your beneficiaries will get paid the amount of insurance you bought. The only time this type of policy pays is unfortunately if you die.

Permanent Coverage

Whole Life is one type of permanent insurance, it covers you during your entire life or 100 years.  The upfront cost is more expensive than Term policies but in the long run it’s more affordable because after you buy, it never increases in price, yet it increases in value.  It provides Life insurance but it also puts money aside for the future. Which you can borrow against or cash out.

Two Questions

Life insurance can be simplified by answering just two questions.  First we figure out how much coverage you need, then you see how much you can afford.  A licensed agent can help you quote different types of policies and different amounts.  And increase or reduce the amount, depending on what you can afford.   

Life Changes

It's important to review your policy at renewal every year.  If your income increases, your Life insurance should increase accordingly.  Update your marital status.  Update your beneficiaries by removing or adding your spouse and any new additions to the family to make sure your family is fully protected.    

Do you need term coverage or longer?

Coffee Bar

"Make Your Own Coffee" Challenge

People are either big believers in Life Insurance or they think they can't afford it or need it.  But  misfortunes happen every day.

Take the Challenge

Buy an awesome mug and take the "Make Your Own Coffee" challenge to save big.  The average cup of coffee costs about $2 a day.  A cup of Joe at a specialty coffee house can cost over $6 but brewing your own cup costs pennies.

Priorities

There's nothing wrong with buying a cup of coffee but if you don't have Life Insurance, consider taking the "Make Your Own Cup Of Coffee" challenge and save enough monthly to pay your monthly Life Insurance bill. You might  have money left over to pay down debt, savings or donations. 

Sign Me Up

Take the challenge if you answer yes to any of these questions:


You Drink Coffee
You are breathing
You are healthy
You have a mortgage
You have an auto loan
You have credit card debt
You have student loans
You are married
You have children



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Life in a box

Monthly and season subscription boxes are advertised as being life savers for delivering goodies like clothing, make-up, razors, and other self care products right to your home.  These deliveries cost between $25 to $100+ dollars but can save you money with pretty good product discounts.

Priorities 

American are spending an average of $1400 per month on non essentials. That could add up to 1 Million dollars during a lifetime.  JPMorgan Chase advised customers that their bank balances would be so much healthier if they “make coffee at home”.

 

The Trade off

Maybe the real life saver is life insurance.  Americans spend an average of  about $1,400 per month on non-essential items. Imagine spending just 5% of that on life insurance to make sure your family is protected.

Here’s some shameful monthly expenditures,  online shopping “for non-essentials” ($84),, “subscription boxes” ($94), and impulse purchases ($109).    

Read article Here




“My Wife and I thought Life Insurance was a joke then she died in a crash”

Read article Here

Buy Time

Life insurance can do amazing things for people. It can buy loved ones time to grieve  It can pay off loans. It can keep families in their homes.  It can  pre-fund a child’s college education. It can keep a family business in the family. It’s the easiest way to build an estate. It will create an influx of cash when your loved ones will need it most.

Already got it

Review your policy annually.  Update beneficiaries.  Buy more coverage with lifestyle change like buying a house, growing family or student loans.

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