B-Informed Blog

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


How Does Life Insurance Benefit You?
How Does Life Insurance Benefit You?

If you are the sole or primary breadwinner in your family, it is imperative that are covered by a life insurance policy. Going through life without life insurance is not only irresponsible, it could lead to financial ruin for your spouse and children. If they were dependent on your income for their survival, they would be left destitute if you were to die suddenly. If you still owed money on your house, they would lose that as well. Having life insurance prevents these horrific scenarios from occurring by giving your surviving family members money to support themselves. You might also consider getting medicare supplement insurance. This type of policy helps to pay for some of the costs not covered by Original Medicare, such as deductibles, coinsurance and copayments. Here are some of the benefits of being covered by a life insurance policy. 

It Protects Your Family
The primary purpose of life insurance is to provide the means for a family to live comfortably when the main or primary breadwinner is no longer around to support them. Along with paying for the mortgage, rent, groceries and utilities, life insurance can also be used for college tuition and the estate taxes that the families of deceased people will need to pay.

You Can Use the Money While You Are Alive
If you need money for some reason while you are still alive, you will be able to take out a loan against your life insurance policy's value. One of the really great things about borrowing money in this manner is that the interest rates are much smaller than those that are charged by banks, credit unions or various online lenders. You will have the option to repay the amount of money you have borrowed in installments or all at once.

Premiums Do Not Change
This is true in the case of term life insurance. When you are covered by this type of policy, you do not need to worry about your provider raising the price of premiums. You will be locked in at a set rate for the complete length of your agreed upon term.

If you would like to learn more about medicare supplement insurance, or any of the other policies offered by Bankers Fidelity Life Insurance Company, visit https://bflic.com/ or call them today at 1-866-458-7504. Once of their knowledgeable representatives will be happy to answer any questions you have.


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.