At Bankers Fidelity, we're concerned with more than just selling Medicare Supplement insurance options or Pennsylvania life insurance residents. We pride ourselves in helping our customers live healthy, safe, and happy lives in all facets. As part of these efforts, we believe in informing and raising awareness of the various safety and health campaigns currently ongoing from month to month. With the Fourth of July right around the corner, one of those such campaigns is June's Fireworks Safety Month.
Fireworks can be an incredibly fun and enjoyable experience for the whole family, but accidental or neglectful oversights can also have serious consequences. Pennsylvania residents may be more acutely aware of this than most considering it's one of the states in which various fireworks are legal for sale. Perhaps more so than most other things though, just because they're legal to buy doesn't mean they're without dangers.
Improper use or faulty products can cause serious, sometimes fatal harm to people using fireworks. Burns, cuts, dismembered limbs/appendages, and yes even death can and have happened to people using fireworks in the past. Unfortunately, there's the possibility of more occurring in just a couple weeks. That's why it's so important to follow proper protocol and safety procedures if you're going to partake in firework fun this holiday. If not, whether or not you have Pennsylvania life insurance might be the least of your worries.
According to a 2015 Gallup poll, Independence Day (Fourth of July) was one of the holidays when Americans were most likely to say they experienced happiness and enjoyment without a lot of stress and worry. Those feelings can change quickly though if something were to go wrong during a homemade attempt at a fireworks show, especially if you're one of the estimated 35 million people living without health insurance (CDC 2014).
If you're going to be involved, or near fireworks this holiday make sure you trust whoever is in control of them and they are being used in a correct and safe manner. Otherwise you may wind up using your Pennsylvania life insurance a lot sooner than you hoped.
At Bankers Fidelity, we’re not only concerned about life insurance policies and Medicare supplement plans. We pride ourselves in our commitment to helping you live a better, healthier, and more enjoyable life in any way that we can. To us, that means helping to share and spread information and awareness for various types of conditions and ailments that you or a loved one may encounter throughout your lifetime. June is Cataract Awareness Month, and while this is fortunately a non-fatal condition, it’s still crucial to learn more about, especially for anyone over 40 years of age.
According to Prevent Blindness America (PBA), the age of 40 is the “magic number” when it comes to the possibility of developing cataracts in both men and women. Approximately 22 million Americans 40 and up currently suffer from this condition and the PBA estimates that number will reach 30 million by 2020.
Cataracts are defined by the Mayo Clinic simply as “a clouding of the normally clear lens of your eye.” Though there are certain risk factors and specific causes, the majority of cataract cases occur because of natural aging. According to AllAboutVision.com, there are three different types of cataracts: sub capsular cataracts, nuclear cataracts, and cortical cataracts. Where the cataract forms in the eye determines which type you’re dealing with.
Sub capsular cataracts form in the back of the eye’s lens and are more common in people with diabetes. Nuclear cataracts occur deep in the central zone (nucleus) and are the ones typically associated with aging. Cortical cataracts form in the periphery of the lens.
Technically, there is another type of known as congenital cataracts, which are appropriately named because a person is born with this condition. Various infections or conditions in the mother during pregnancy can cause this type of cataract to form in the child. While experts are still not even sure exactly the cause of cataracts all the time, there are some common risk factors. They include:
Drinking excessive amounts of alcohol
Excessive exposure to sunlight
Exposure to ionizing radiation, such as that used in X-rays and cancer radiation therapy
Family history of cataracts
Prolonged use of corticosteroid medications
Statin medicines used to reduce cholesterol
Previous eye injury or inflammation
Previous eye surgery
The best way to find out if you’ve developed a cataract is by seeing you eye doctor and getting examined. Fortunately, if you do develop them there are surgery options available. Your doctor can help you decide if that’s the right course of action for you. In the meantime, you can make your life a little easier by doing things like improving the lighting in your home, avoiding driving at night, and protecting your eyes from harsh, direct sunlight.
While there are no concrete ways to prevent cataracts from forming, most doctors agree that promoting and living a healthy lifestyle is the best technique. This means eating right, staying active, eliminating (or reducing) alcohol consumption and smoking, and having your eye regularly examined by a professional.
Bankers Fidelity is a traditional life insurance and Medicare supplement insurance provider, but helping our clients live healthy lives overall is a core value we hold dear. Use and share this information with your family and friends to help raise awareness of this common condition.
Stress is one of those things that never seems to be in short supply. In some cases, stress can actually be really good for you: many people believe that they do their best work and most creative work when they're on a deadline, while others find that increased pressure motivates them to accomplish more than they ever thought possible.
But it's time to recognize that stress has some very serious downsides, both mentally and physically. April is National Stress Awareness Month, so our team at Bankers Fidelity figured it would be the perfect time to look at how stress affects our lives in ways that we don't always realize.
For many Americans, stress seems to be a natural part of our daily lives. Technology has allowed our world to become more connected than ever before -- which does have some serious advantages -- but this connectivity has made it more difficult to relax and focus on what's happening right now. It's no coincidence that the three days Americans report feeling the happiest are the three days when it's "acceptable" to relax with friends and family: Thanksgiving, Christmas, and the 4th of July.
The Baby Boomer generation is especially susceptible to feeling stressed out, overwhelmed, or disappointed. More individuals in this group are starting to retire, and in theory, this means finally being able to relax. In practice, it often leads to more stress.
Baby Boomers have the highest rates of depression in the U.S., and half of all Baby Boomers have said that they had to (or will have to) delay retirement in order to keep earning money. More than half of all seniors have said that they plan on getting a new job after they retire not because they want to stay busy, but because they need the income.
The physical effects of prolonged increased stress levels are enough to derail even the most stable person. One-third of all adults around the age of 65 say that they're stressed out because they don't feel good about their physical appearance, and stress is definitely a factor. Many people stop exercising and begin eating more unhealthy foods. The immune system weakens while blood pressure increases, increasing the risk of developing cardiovascular problems. Insomnia can kick in, and when you don't get enough sleep at night it just makes everything worse in general.
Taking the time to de-stress can seem selfish or superfluous at first, but April is the perfect month to give it a shot. You might just be surprised by how much better you feel when you start taking proper care of yourself. Life is hard enough as it is -- you deserve to take some time off!
At Bankers Fidelity, we believe that it's important to talk about the real impacts of stress, especially because April is Stress Awareness Month! As many of our clients know all too well, the consequences of mental and emotional stress can really take a toll on your overall physical health. Our organization is proud to be more than just your average short term care insurance and Medicare insurance company. We want to give our readers as many resources as possible to start living happy and healthy lives. Make sure to set aside some time this April to work on de-stressing, and also make sure to share your stress relief tips with us in the comments section below!
Insurance is a big part of a free society. It allows people to live normal lives without the constant worry or thought of what they would do/how they would afford an unfortunate accident or tragedy. Insurance can come in many different forms for many different reasons such as life, health, and automobile. Today, one of the most important, yet severely under-utilized, is disability insurance.
According to BenefitsPro.com, a new study from Northwestern Mutual has found that a significant portion of Americans do not have coverage for income in the event they are hurt or fall seriously ill. According to the report, 69% of people surveyed do not have disability insurance, despite the fact that 70% derive the vast majority of their income from a paycheck. In other words, there are a whole lot of people who would be in quite a bind if something unfortunate were to happen that inhibited them from working.
"The risk of experiencing a serious illness or injury is more common than we'd like to believe, and the impact extends way beyond the physical," said Steve Stribling, a Northwestern Mutual vice president who heads the company’s disability insurance division.
The study also found that, on average, workers in the U.S. have about a 25% chance of suffering a disability that keeps them out of work for at least three months. According to The Commonwealth Fund, 21% of Americans said they had out-of-pocket medical expenses of $2,000 or more in 2014.
If this happens to a person without disability insurance, not only do they stand to lose the income they would be normally generating, but they also stand the risk of taking a big chunk out of any potential savings they have in the meantime. Approximately 51% of survey respondents said they would deal with this kind of situation by cutting expenses and 35% said they would dip into savings.
As one of the leaders in the insurance industry, Bankers Fidelity offers a range of products from South Carolina life insurance (SC life insurance) to Medicare supplement plans and have a commitment to providing our customers with the information they need to make informed decisions.
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Understanding Medicare Supplement
Neither Bankers Fidelity Life Insurance Company® nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance CompanyTM, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required.
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