B-Informed Blog

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Enriching your life; informing your health. Life insurance, and other topics.


What to Look for in Life Insurance

Making a decision to take out life insurance is crucial and has a lasting effect on your family. Without this insurance policy, your family will suffer when you are no longer available to take care of their needs. However, you need to choose a policy that will suit your family needs. Here are things to look for when choosing the right policy.



It Should Be Able to Meet Your Needs
Needs vary between individuals, and you need to have a policy that suits your unique needs. The face value of the policy you choose should be adequate to cover the financial needs of your loved ones when you are gone. The policy should also meet the retirement goals you were aiming for.

Be the Right Term
Term means the length of coverage the policy provides. This will vary depending on your needs. The term should be long enough to see your kids grown and successfully completed college.

Be Affordable
You want a policy that you will afford. You know that you have to pay the monthly premiums on the policy consistently for it to be honored by the us. This is part of the agreement you sign with our insurance agent. Make sure you can comfortably pay the premiums and remain with enough cash to be comfortable. The good news is that we offer various packages that you can choose from according to your spending power.

It Should be the Right Type
There are two major types of life insurance coverage that you need to choose from: term and permanent cover. Term insurance usually takes between 1 and 30 years, during which you will receive the full amount of coverage paid upon your demise. The coverage will expire if at the end of the coverage you are still alive. Term insurance is ideal if you are young, and you have a fixed amount of responsibility such as a debt. On the other hand, permanent insurance cover will cover you throughout your lifetime.

Should Have Flexible Terms
The policy should offer you guaranteed renewability such that you can continue with the coverage as long as you pay the premiums. Should allow you to convert a term policy to a permanent one when need be.

Final Thoughts
For various options and help in choosing the right coverage for your situation, contact us today and talk to one of our insurance representatives. 


Foods You Can Feel in Your Heart
Foods You Can Feel in Your Heart
February is certain to make you think of cartoon hearts- but how about your own heart? February is Heart Health Month, so it’s a great opportunity to check in with your heart habits. According to the Center for Disease Control, heart disease is the leading cause of death for both men and women in the United States . 84 percent of people age 65 years and older die from heart disease, so it’s especially important for seniors to consider their heart health.  We’ve broken down the best foods for your heart- and what to avoid:



Fatty Acids

Fatty acids are broken down during digestion, and then absorbed into the blood.  According to the American Heart Association (AHA), Omega-3 Fatty acids decrease the risk of abnormal heartbeats, slow growth of plaque, and work to lower blood pressure.

Examples of Omega-3 fatty acids:

Fish (salmon, mackerel, mackerel, herring, whitefish) flaxseed oil, basil, broccoli, walnuts, spinach, grape leaves.

Fiber

AHA spokeswoman Alice H. Lichtenstein, DSc, states “studies have shown that foods that have a lot of fiber are clearly associated with lower risk of heart disease.” The Institute of Medicine Dietary Reference Intakes recommends 21 grams of fiber per day for women 50 and older, and 30 for men 50 and older.

Examples of fiber:

Fruits (apples, bananas, oranges, strawberries, raspberries), oatmeal, whole grain rice, lentils, chickpeas, almonds, avocados, peanuts, couscous

Trans-fat (Steer Clear!)

Unlike fatty acids, trans fat can be very harmful to your heart because of their tendency to raise bad cholesterol. The AHA recommends that trans fats make up less than 1 percent of your daily calories. Avoid foods labeled “hydrogenated oil” or “partially hydrogenated oil.”

Examples of trans-fat:

Packages snacks, baked goods, stick margarine, milk, cheese, high-fat animal products (beef, pork, lamb)

Live a long and healthy life by eating right. Visit us today for the best long term care insurance.





How Lemon Water Can Change Your Life
How Lemon Water Can Change Your Life

It’s easy, cheap, and pretty darn tasty! Experts say that starting off each day with a glass of warm lemon water can lead to a host of benefits, both short and long term. So pucker up, because here are some of the top reasons why lemon water is just great.

Boost your Immune System

Vitamin C isn’t just for oranges- there’s a lot in lemons, and according to The World’s Healthiest Foods, consuming the vitamin daily can help keep infections at bay. This is especially crucial during the winter months when nasty colds and the flu lurk around every corner.

Brain training

Keeping the mind sharp is a crucial part of aging. The potassium in lemons is known to help with both brain and nerve function. So, pour a tall glass of lemon water and whip out the Sudoku. Hydration According to WebMD, staying hydrated can help with constipation, weight loss, and avoiding kidney stones. For those who get bored with the taste of plain water, adding lemon can give your H20 the little kick you need to chug on.

Glowing skin

Experts believe that vitamin C can help maintain a youthful glow, as it helps with iron absorption and delays signs of aging due to free radical damage, says Women’s Health Magazine.

Liver support

Love on your liver with lemons- liversupport.com notes the detoxifying powers of Vitamin C through its manufacturing of glutathione, which is used to neutralize toxins in the liver.

Not too hot, not too cold

Make sure to keep your lemon water lukewarm, as cold lemon water can hinder some of the lemons’ digestive powers, and boiling lemon water can erode at your teeth’s enamel. Drink on!

Contact us today find our what your long term care insurance cost could be and how best to prepare.


Don’t Get SAD- Recognizing and Treating Seasonal Affective Disorder
Don’t Get SAD- Recognizing and Treating Seasonal Affective Disorder

The string of holidays that occur in winter are usually associated with joy: hall-decking, gift-giving, family-gathering, and lots of food. However, the cold weather and lack of sunshine can have serious effects on a persons’ mood, potentially leading to a condition called Seasonal Affective Disorder (SAD). For most affected, SAD occurs in the winter months and can lead to lethargy, depression, and general moodiness. According to Mental Health America, some two million seniors suffer from some form of depression. Therefore, it is especially important for seniors to know the signs of SAD so that with the help of their physician, they can identify and treat symptoms.

What makes people SAD?

Sunlight provides benefits that can have a direct effect on mood. According to WebMD, the lack of sun can upset your biological clock, leading to variations in sleep schedules- a common symptom of depression. Additionally, serotonin (a brain chemical that affects mood) levels may be disrupted. Symptoms According to the Mayo Clinic’s description of SAD, symptoms may include the following:

  • Irritability
  • Tiredness or low energy
  • Problems getting along with other people
  • Hypersensitivity to rejection
  • Heavy, "leaden" feeling in the arms or legs
  • Oversleeping
  • Appetite changes, especially a craving for foods high in carbohydrates
  • Weight gain

How to tackle the blues Agingcare.com notes several different treatments for SAD. Traditional antidepressant medications prescribed by a doctor may help regulate some symptoms, especially if a routine is established before symptoms occur each year. Light therapy is also widely used to combat symptoms. The treatment involves using a “light box”- a fluorescent light that mimics natural sunlight. Sitting in front of the light box each day can help decrease the amount of melatonin (a hormone that causes drowsiness) and regulate serotonin and epinephrine.   If you think you may be suffering from Seasonal Affective Disorder, do not hesitate to schedule an appointment with your primary care physician today. With the proper combination of medication and therapy, your winter months can start looking a little happier- and brighter.

Call Bankers Fidelity Life Insurance Company today for the best affordable term life insurance.


International Fraud Awareness Week
International Fraud Awareness Week
While we would all like to believe that people are inherently good and honest (especially around the holidays!), the ugly truth is that some individuals make their living through scams and frauds. Unfortunately, a substantial group targeted by con-artists is senior citizens. According to the Federal Trade Commission, Americans lost in excess of $73 million in scams in 2013. Fraudulent schemes take a variety of forms, and in the past four years, impostor scams - where individuals or groups pretend to be something that they aren't, such as a government official or charitable group - have doubled. Fortunately, the government is taking action to stop fraud. In July, the U.S. Senate Special Committee on Aging held a hearing that focused on the rising trend of scams affecting the senior citizen population. Representatives from the Federal Bureau of Investigation spoke, as well as officials from the FT and the United States Telecom Association. The National Council on Aging (NCOA) has a list of some of the most common scams that target seniors. Here are a few:
  1. Health care fraud. Seniors understand that they become eligible for Medicare once they turn 65 years of age. Scammers are quite aware of this as well, and as a result will often call beneficiaries, posing as government representatives or insurance agents that offer the program. If seniors are tricked into supplying these fakes with their personal information, they'll frequently bill Medicare for fraudulent services that were never performed. Tips: Make sure you buy from a licensed agent with credentials. Never give out personal information such as your Social Security, bank account or credit-card numbers over the phone, unless you have initiated contact. Be wary of a sales person who claims to be from Medicare, as Medicare typically does not send sales people to solicit your business.
  2. Bogus prescription drugs. One of the reasons why health care is so important to seniors is that it usually provides for the cost of a variety of pharmaceuticals. But in an effort to lower costs further, seniors will occasionally try to shop for prescriptions online. The problem is that some of these "providers" turn out to be counterfeit. Tips: Don’t buy from sellers who don’t require prescriptions, as this is illegal and most likely indicates a scam. Do not substitute an online questionnaire for an in-person physical, as only your physician will be able to understand you medical history and what medicines you should take/avoid. Steer clear of anything that advertises a “miracle drug” or cure.
  3. End-of-life services. Life insurance is a great resource to have because it provides for any expenses someone who recently passed away may have had, such as back payments or debt. NCOA noted that there have been many instances in which widows and widowers are fooled into believing their loved one didn't pay a debt, and are scammed out of their out of their money at a time in which they're vulnerable. Tips: Consult with your bank for questions regarding debt or financial issues after the death of a loved one.
  4. Grandchild in Distress. Scammers will call senior citizens, posing as a Grandchild. They claim they are in a dire situation and need money immediately for a car payment, rent, or even bail money. They may ask for money to be paid via Western Union or Moneygram, which do not always require identification. Tips: Confirm the situation with at least one other family member. Scammers will try to avoid being caught in a lie by claiming “Please don’t tell my mother/father, I don’t want to get in trouble!” This is a tell-tale sign you may be victim of a scam.

What can seniors do? AARP has a Fraud Watch Network, allowing consumers who want to report a scam an outlet to do so. There are also several tips for how to avoid being victimized.

Find your life insurance policy today.