Medicare Agent and Brokers – Social Media Video

Choosing the right Medicare plan is important to maintaining continued good health. A Licensed Agent or a Licensed Broker can help with your search – but they operate differently. 

An agent can match you with an appropriate Medicare program, but only those offered by a single insurance provider. That is called a “captive agent.” You may find a program that meets your needs, but your choices are limited to only those offered by that one carrier. A Licensed Broker can provide a choice of programs from a variety of carriers, providing you with more coverage options. A Broker is not tied to one provider’s offerings, so there’s a greater opportunity to find a program more precisely tailored to your medical needs. 

An independent Insurance Broker can provide you with more choices, more personalized coverage, and the objective guidance you need… all at no cost to you.  

To take advantage of a year-round, personal guide through the maze of Medicare, call us today. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Mortgage Insurance – Video Tip for Social Media

Mortgage Insurance – Video Tip for Social Media

Video Script:

For many people, their home is their most valuable asset. But what if you’re injured or lose your job and can’t make your mortgage payments? 

A mortgage insurance policy can help keep your home from falling into foreclosure. Private mortgage insurance policies, known as PMIs, are designed to reimburse the lender should you default on your mortgage payment. PMIs reduce the risk to the lender and are required when a borrower puts down less than 20% on a home. Although payments go to the lender and not the borrower, it allows some homebuyers to qualify for a mortgage who normally would not. But, depending on the amount of your down payment, you may be required to carry home insurance and mortgage insurance. 

To find out more about mortgage insurance, call us today. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Financial Advisor – Asset Allocation and Investing

Why is Asset Allocation Important to Investing?

To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets. That’s the purpose of asset allocation – the process of dividing your portfolio among major categories like cash, stocks and bonds. Historically, the returns of these three major asset categories have not moved up and down at the same time – so including a mix of these assets in your portfolio can protect against losses. There is no perfect formula for asset allocation – it differs with each individual depending on their risk tolerance and time horizon. Risk tolerance is the amount of your investment you’re willing, or able, to lose in exchange for greater possible returns.  Risk tolerance is closely tied to time horizon, or the amount of time you have to invest. An investor saving to make a down payment on a home in 5 years might choose less risky investments than someone saving for retirement in 20 years. A longer time horizon allows more time to recover from loss. Asset allocation may be one of the most important investment decisions you make with your portfolio – call us today to learn more. 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Medicare – Video Tips and social media posts

Medicare Annual Enrollment Period – Whiteboard Video:

What is the Medicare Open Enrollment Period… and what coverage changes can you make? If by Open Enrollment you mean the Medicare Annual Enrollment Period, from October 15th through December 7th each year, you can make changes to your current Medicare Advantage Program or Part D drug plan.   

However, if you’re already enrolled in a Medicare Advantage Plan, your Open Enrollment window is from January 1 to March 31. During this period, you can switch Medicare Advantage Plans, leave your plan to return to Original Medicare with or without drug coverage, or just change your Medicare Advantage Drug Plan.  

Finally, there is the Medicare Supplement or Medigap Open Enrollment Period that occurs once in a lifetime, unless you are collecting Social Security Disability Benefits. It begins on your Medicare Part B effective date, usually the first day of the month after you turn 65, and you don’t have to answer any health questions to qualify. Choosing a Medicare Supplement Plan during the Medigap Open Enrollment Period offers you the best chance to find a plan in your area that offers the coverage you need at the lowest cost. After six months, your window of opportunity closes, and you’ll have to answer health questions if you want to apply.   

Navigating all these different Open Enrollment Periods can be confusing. There are also special circumstances that can affect the SEP timelines – and your eligibility – that your advisor can make you aware of.  

Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent. 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Reverse Mortage Marketing Content

Who Qualifies for a Reverse Mortgage – Video tip:

If you’re considering a reverse mortgage to help fund your retirement, you may be wondering, “How do I qualify?” To be eligible for a typical reverse mortgage, you must be at least 62 years of age, but for a “Jumbo” reverse mortgage – typically used for high end, premium properties – the age limit can be as low as 55. The younger you are, the less equity you’ll be able to borrow. 

In both cases, depending on age, the borrower must generally have 50% or more equity in the home, and it must serve as their primary residence. Additionally, they must keep up with the loan obligations of keeping the home well maintained, and paying property taxes and homeowners’ insurance. 

To assure borrowers fully understand this type of loan, they are required to attend a HUD-mandated counseling session with a certified counselor of their choosing who will answer any concerns or questions the borrower may have. In addition, a financial assessment is conducted to ensure the borrower can meet the loan obligations and has not incurred either a foreclosure or a bankruptcy within a certain period prior to the loan. Also, in order to qualify, they must not be found to be delinquent on any federal debt. To find out more about reverse mortgage qualifications, call us today. 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Fixed Indexed Annuities – Marketing Video Content

Educational Whiteboard Videos from YouTube for Financial Advisors:

These days it’s tough to decide to stay invested in the stock market, while you hope for gains… but fear a market loss. A Fixed Indexed Annuity can offer you protection against stock market losses, while offering you the potential to profit from the market’s gains. Indexed annuities offer a minimum guaranteed interest rate, combined with an interest rate tied to a stock market index, such as the S&P 500 or the Dow Jones Industrial Average. So, instead of counting on the performance of a single stock, you can select a single index for your funds or spread your dollars across several indexes. Depending on the annuity, some crediting strategies allow for greater upside potential, while others lock in a gain up to a certain percentage. Most importantly, while you’re free to participate in market gains, you will never lose a dime due to market loss. Fixed Indexed Annuities are a great way to diversify your portfolio, mitigate risk, and stay positioned for the next market gain. To find out more about Fixed Indexed Annuities, call us today. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Video Marketing for Retirement Planning

Which Retirement Plan Should I Choose?

 

Transcript of Video:

Choosing a retirement plan is a great step toward financial security. There are several types available, but here are the most common: 

401(k)s and 403(b)s are plans offered by employers. 401(k)s are offered by for-profit companies, and 403(b)s are offered by public schools and some non-profit organizations. Contributions are deducted from your paycheck and are often matched by employers. They’re deducted pre-tax, grow tax-deferred and are taxable on withdrawal.  

Traditional IRAs, or Individual Retirement Accounts, are opened by individuals through an investment firm or bank. They may be tax deductible, grow tax-deferred and you pay tax when you take the money out.  

A SIMPLE IRA plan is similar to a traditional IRA, but these accounts are set up by a small business owner, and usually permit larger contribution amounts. 

And lastly, when you open a Roth IRA, you contribute after-tax dollars, the money grows tax-free, and you pay no tax on withdrawals. All these types of accounts have their own set of rules on eligibility, contribution amounts and withdrawals. 

For more information on retirement plans – give us a call today or visit our website! 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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Wealth Management – Marketing Videos

Video Content for Social Media

 

Dollar cost averaging is a stock market investing technique where you buy a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price. More shares are purchased when prices are low and fewer shares are bought when prices are high. This can help reduce the impact of volatility or price swings on purchases of financial assets. For instance, say you plan to invest $500 over a five-month period. So that would be $100 per month.  

Let’s say your stock’s price varies month to month as follows: $5, $8, $5, $3, $5. You would have bought this many shares each month: 20, 12.5, 20, 33.33, 20. Mathematically, the average share price would have been $5.20. With dollar cost averaging, the average per share cost would be $4.72. So, you save $0.48 per share despite taking advantage of market variations.  

This method does not account for the value of time or for long protected trends. Always seek a professional to develop an investment plan that fits you and your circumstances. Periodic investment plans, such as dollar cost averaging, do not assure a profit or protect against a loss in declining markets.  

This strategy involves continuous investment so the investors should consider his or her ability to continue purchases through periods of low price levels. We can help so give us a call today.  

 

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Medicare – Social Media Content – Video tips

Video tips on Medicare for Social Media Posts

Video Transcript:
To get the most out of your Medicare coverage, it’s important to understand what the different parts of the Medicare program provide and what the cost is to you. The Medicare program consists of four parts: Part A – Hospital Insurance, Part B – Medical Insurance, Part C-Medicare Advantage, and Part D – Prescription Drug Coverage.
 

Let’s talk about Medicare Part D – Prescription Drug Coverage. Medicare Part D helps you cover the rising cost of prescription drugs after age 65. Premiums may vary depending on what plan you choose and may change each year. You may also have to pay an extra amount each month based on your income, if your adjusted individual gross income from the two years prior exceeds preset earnings limits for filing single or if married filing jointly. Social Security will tell you if you must pay this extra amount to Medicare – not to your plan – and the amount will be adjusted each year based on your most recent IRS return. 

You might pay a penalty if you don’t join a drug plan when you first join Medicare and go 63 days without coverage similar in value to Part D coverage. Most plans do charge a deductible, and the amount that you pay out-of-pocket before the plan begins to pay, as well as the payment amount, will vary. Your actual costs will also depend on the drugs you take, what drugs the plan covers and the pharmacy. 

As you can see, there’s a lot to know about Medicare, so why not get some help with your Medicare plan? Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent. 

 

Whiteboard Videos for Medicare and Insurance.

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Video Marketing for Reverse Mortgages

Whiteboard Video tip – Watch from YouTube:

Video Transcript:

Are you a senior homeowner living in a home that no longer meets your needs? There is a reverse mortgage strategy that can increase your purchasing power by 35 to 45% so you can purchase a home that better fits your lifestyle.  

Here’s how it works. Take out a HECM for Purchase reverse mortgage. You then overfund the required down payment for your new home and create a line of credit that can grow by compound interest each year … tax free. That line of credit can then be turned into cash flow, also tax free, and the money can be used any way you wish.   

Using your present home’s equity, you can now more easily afford a move to a neighborhood closer to family and with the amenities to age in place more comfortably. You are required to reside in the new home as your primary residence, maintain it and stay current on your taxes, homeowners’ insurance, or association fees. Importantly, because the term of the loan is 150 years for the youngest borrower, you can enjoy home security for years to come.  

For more about how a reverse mortgage can help you afford a new home, call us today.  

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance.

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