September is Life Insurance Awareness Month!

Life insurance has been around for hundreds of years, initially “invented” as a way for religious, ethnic, or neighborhood groups to protect loved ones in the event of the premature death of a family’s single breadwinner.

Over the years, as society has evolved, life insurance has taken on a variety of different forms responding to the developing needs of our families, businesses, and communities.

Today, life insurance not only can protect against the economic loss of a dear family member, but can:
– aid in the smooth transition of a business when an owner dies
– help replace the loss of a key employee
– partially fund college education for children and grandchildren
– create a supplemental retirement fund
– leave a legacy to your favorite not-for-profit
– build a cash reserve for opportunities and/or emergencies

All these, and in many cases, you don’t have to commit to how the cash value will be ultimately used until the moment that it’s needed most: flexibility as life happens!

Contact me today for a free life insurance review to see if your current coverage is doing everything you want it to do and let’s celebrate Life Insurance Awareness Month by aligning your coverage with your life’s goals!


Helpful Guidelines to Help you Plan for HealthCare Costs

Sandy Essex is Your Long Term Care Planning Specialist

Taking care of parents unable to care for themselves, handling a catastrophic family event, ongoing live-in or nursing home medical care – all are reasons to plan your long term care now. Best CoverAge is your answer to long term care planning. We can serve as your resource by helping you through the process of assessing your long term care needs, putting a plan in place, and securing long term care insurance.

Long Term Care Planning

 Long term care is something that should be researched before you need it. If you’re not prepared it can be expensive, complicated, emotional and disruptive to your daily routine. Sometimes life is unpredictable. That’s why it’s best to plan ahead.

The Costs of Long Term Care

 When it comes to the rising costs of long term care, it is important to understand that traditional health insurance is not designed to cover long term care. Medicare and Medicaid were also not designed to adequately cover the long term care costs. Long term care expenses – – knowing the options available is critical to holding so you don’t deplete your savings.

Long Term Care for the LGBT Community

 While we all face challenges as we age, the LGBT community is at a greater risk due to inadequate programs and complicated laws that do not provide equal protection. Many couples do not have children or family members to provide the necessary support making planning for long term care critical.