Whiteboard Videos for Medicare

1-Minute Medicare Video:

Video Transcript:

Medicare Advantage plans are an alternative to basic – or so-called Original – Medicare. Sometimes referred to as Medicare Part C or MA Plans, they are offered by Medicare-approved private companies. They must follow Medicare rules and provide Medicare Part A and B coverage. Most Medicare Advantage Plans also include Part D drug coverage. 

In many cases, you can obtain the lowest plan rates by using an in-network provider in your area. Some plans do have an out-of-network option, but it will sometimes be at higher cost. An attractive benefit of Medicare Advantage plans is that they set a limit on the amount you pay out-of-pocket for covered services annually, which helps protect you from unexpected expenses. 

When seeking treatment, you must present your Medicare Advantage card to receive Medicare covered treatment. 

The most common types of Medicare Advantage plans are: Health Maintenance Organization or HMO Plans, Preferred Provider Organization or PPO Plans, Private-Fee-For-Service or PFFS Plans, Special Needs Plans or SNPs. Each type has its own set of benefits, costs and limitations, so be sure to research your choice carefully. But no matter what plan you choose, do not discard your red, white and blue Medicare card, because you’ll need it if you ever decide to switch back to Original Medicare. 

Need help deciding on the right Medicare Advantage plan for you? Call us for a no obligation Medicare consultation today. 

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

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Medicare Marketing Videos

1-Minute Medicare Video:

To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

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. You become eligible for Medicare coverage when you turn 65.  

The Medicare program consists of three parts: Part A – Hospital Insurance, Part B – Medical Insurance and Part D – Prescription Drug Coverage. Let’s begin with Part A – Hospital Insurance. For most people, you pay no premium for Part A hospital coverage, because you’ve been working at least 10 years and paying Medicare taxes.  

You pay a deductible of $1,556 each time you’re admitted to the hospital per benefit period before Medicare begins to pay. The benefit period ends after you have received no inpatient treatment for 60 consecutive days. While there is no limit to the number of benefit periods you can have, you must pay the inpatient hospital deductible each time a new benefit period begins. 

The costs for inpatient hospital stays are calculated this way: For Days 1-60 you pay $0… after you pay your Part A deductible. For Days 61-90 you pay $389 each day. For Days 91-150 you pay $778 each day, while using your 60 lifetime reserve days. After day 150 you pay all costs. 

As you can see, there’s a lot to know about Medicare, so why not get some help with your Medicare plan? Call us today to make sure you get the all the benefits from Medicare that you deserve. 

 

 

Loan Officer Video Marketing

Watch our 1-Minute Video:

You’re retired – or soon will be – and you’re in the process of planning for your days after you stop working. You’re checking with your financial advisor regularly to make sure your IRA or 401K is performing as you hoped, and you’ve worked long enough that your Social Security payments will be near the maximum ….. so, your retirement plans seem to be on track. But as you observe all the market volatility these days and watch the cost of just about everything rise, you’re beginning to wonder whether this approach will provide enough money to fund the retirement lifestyle you and your family want. Let a reverse mortgage specialist show you how a reverse mortgage – an often-overlooked retirement planning option – can benefit senior homeowners. A reverse mortgage allows you to access the equity in your home – without selling it -and turn it into additional cash flow that you can use to fund a more secure retirement. It eliminates your monthly mortgage payments and instead provides payouts as a lump sum or monthly payments, a line of credit or some combination of the three. You can use the extra cash to renovate your home, fund a grandchild’s education or function as a “safety fund” should an emergency like an illness or accident occur. To find out more about reverse mortgages and retirement planning, call us today.

 

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

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Medicare Advice Marketing Video

1-Minute Medicare Video:

Transcript:

Medicare Advantage plans are an alternative to basic – or so-called Original – Medicare. Sometimes referred to as Medicare Part C or MA Plans, they are offered by Medicare-approved private companies. They must follow Medicare rules and provide Medicare Part A and B coverage. Most Medicare Advantage Plans also include Part D drug coverage. 

In many cases, you can obtain the lowest plan rates by using an in-network provider in your area. Some plans do have an out-of-network option, but it will sometimes be at higher cost. An attractive benefit of Medicare Advantage plans is that they set a limit on the amount you pay out-of-pocket for covered services annually, which helps protect you from unexpected expenses. 

When seeking treatment, you must present your Medicare Advantage card to receive Medicare covered treatment. 

The most common types of Medicare Advantage plans are: Health Maintenance Organization or HMO Plans, Preferred Provider Organization or PPO Plans, Private-Fee-For-Service or PFFS Plans, Special Needs Plans or SNPs. Each type has its own set of benefits, costs and limitations, so be sure to research your choice carefully. But no matter what plan you choose, do not discard your red, white and blue Medicare card, because you’ll need it if you ever decide to switch back to Original Medicare. 

Need help deciding on the right Medicare Advantage plan for you? Call us for a no obligation Medicare consultation today. 

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

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Explainer Videos for Financial Services

Whiteboard Video:

Video Transcript:

Written goals are your road map to #financial success. Be specific, simple, and realistic and include time frames and dollar amounts. Have some big goals and some small ones. Include a savings plan and an #emergencyfund. Pay off high-interest debt and control the amount of your debt. Then, take action to achieve your goals. Review your goals often and remember it takes time to achieve goals so be patient. Without a plan, your path waivers and valuable time is lost. So, don’t wait. Let us help you create an investment plan for your future today.

 

Whiteboard Videos for Financial Advisors, Loan Officers and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Whiteboard Videos for Reverse Mortgages

Watch this 1-Minute Video:

Video Transcript:

As they enter retirement, many seniors feel comfortable with the amount of equity they’ve built up over their working years. They think that the steady income they’ll receive from their Social Security payments, coupled with the funds from their IRA or 401K, will be enough to fund their retirement. 

But what if something unexpected happens, like a medical emergency or an accidental injury, that causes you to need extra cash? A reverse mortgage can provide the additional cash you need – without drawing on your other sources of income – by accessing the value tied up in your home.

By setting up a reverse mortgage in advance – before an emergency arises – you’ll have additional cash on hand to draw on. You can use it whenever you might need it…even if it’s to just make life in retirement a bit more comfortable. A reverse mortgage is great way to make the equity tied up in your home work for you – without waiting sell it – and you still retain ownership.

 

Find out how you can use a reverse mortgage to help build a more secure financial future. Call us today.

Whiteboard Videos for Financial Advisors, Loan Officers and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Reverse Mortgage Animated Videos

1-Minute Whiteboard Video:

Video Transcript:

A frequently asked question about reverse mortgage loans is, “When do I have to pay it off?” There are several scenarios regarding when a #reversemortgage would have to be paid off. The first would be when the last borrower passes away or moves out for more than a year, so the home is no longer considered their primary residence. If the home is not maintained properly, or the borrower fails to stay current on either their homeowners’ insurance or property taxes, that would also cause the loan to come due for payoff. Under these circumstances, the borrower or their heirs have two ways to satisfy the HECM reverse mortgage loan. They can simply choose to sell the home, pay off the mortgage and keep any remaining balance. If the loan balance exceeds the value of the home at that time, the heirs can sell the home at 95% of the current appraised value, and FHA Mortgage insurance will make up the difference. The second option is that the heirs refinance the mortgage and either move into the home themselves or turn it into an investment property by renting it out. But one circumstance borrowers don’t have to worry about is outliving a reverse mortgage, because the term of the loan is the youngest borrower’s 150th birthday. To find out more about how reverse mortgages work, call us today.

Whiteboard Videos for Financial Advisors, Loan Officers and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

 

How Do Reverse Mortgages Increase Cash Flow?

1-Minute Video:

Having enough cash to last to – and through – retirement is one of the major challenges facing today’s seniors. A reverse mortgage is a safe way to help senior homeowners improve their cash flow while allowing them to better “age in place” in their own home. With a reverse mortgage, seniors can tap into the equity in their home in a variety of ways that best suit their individual circumstances and needs.

For example, they could take a lump sum payout at closing to spend it in any way they choose. They could also choose to receive a liquid, growing line of credit that allows any unused balance to grow at the same rate as the loan balance, and the amount of the credit line increases when any payments are made. These funds in the line of credit can grow substantially over time, and the homeowners will only accrue charges on whatever funds they have borrowed. Also, this line of credit cannot be capped, reduced, or eliminated because of market conditions or declines in property value.

To find out more about how a reverse mortgage can improve your cash flow in retirement, call us today.

 

Whiteboard Videos for Financial Advisors, Loan Officers and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Reverse Mortgage Marketing Content

1-Minute Video:

One of the most frequently asked questions about reverse mortgages is, “How does it differ from a traditional mortgage?” 

With a traditional mortgage, you make your payments each month, slowly chipping away at the loan balance a little bit at a time. But with a reverse mortgage, monthly principal and interest payments are not required, so the balance goes up over time. 

To better understand how a reverse mortgage works, let’s look at a typical scenario. Bob takes out a reverse mortgage for 50% or less of the value of his home, and in the process gains home appreciation averaging 3-4%. That means that his home equity is increasing … even though he’s not making monthly principal and interest payments. The value of his home may be growing faster than his loan balance… turning home equity into retirement cash flow for Bob to use to help fund his retirement while still allowing him to leave a family legacy to his heirs. He can use those funds to renovate his home, fund a grandchild’s education, purchase a new car, or improve his retirement lifestyle.

To find out more about how a reverse mortgage can benefit you and your family, call us today. 

Whiteboard Videos for Financial Advisors, Loan Officers and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Loan Officer Video Marketing

1-Minute Video:

There’s a lot of misinformation out there about reverse mortgages, so let’s separate the facts from the fiction. To qualify for a reverse mortgage, you must own your home outright or have at least 50% equity, but you don’t have to surrender the title… you retain ownership. A reverse mortgage is a way for senior homeowners to generate additional cash flow in retirement by tapping into the equity in their home… and it is not necessarily a lifeline for those in financial straits. Reverse mortgage rates have risen, but depending on the type of loan that you choose, they are often comparable to a traditional mortgage. With a reverse mortgage, monthly mortgage and interest payments become optional, and the resulting savings gives you additional cash flow to fund a more comfortable lifestyle in retirement. Your heirs will have the option to either sell the home or refinance it and utilize the proceeds to repay the loan when the time for a payoff occurs. In fact, depending on how the value of your home appreciates over time, a reverse mortgage could provide a source of equity to those same heirs if they simply choose to sell it. To find out the truth about reverse mortgages, call us today.

Loan Officers and Reverse Mortgage, Whiteboard Videos for Financial Advisors,

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JILL ADDISON
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JAMES STEWART, CFP®
Co-Creator, Turnkey Video System

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