Reverse Mortgage Videos – Upload to LinkedIn, TikTok, Facebook

Why Talk to a Reverse Mortgage Specialist

You’re retired – or soon will be – and you’re in the process of planning for the 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 desire. 

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 the principal and interest payment requirement, and instead provides payouts as a lump sum, monthly payments, a line of credit, or a combination. 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 Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Retirement Help Videos – YouTube for Financial Advisors

Turning 65: Important Decisions

If you’re turning 65, you’re facing some important decisions that can affect your life in retirement for years to come.  

The first crucial decision is finding the right Medicare coverage. With Medicare coverage changing every year, and with so many options to choose from, finding the right plan – on your own – can be confusing and frustrating. Consulting with a licensed insurance professional can help make the process of finding the right Medicare coverage less stressful. We can help you navigate the complex Medicare system more easily and explain exactly what each component of Original Medicare covers … and what it doesn’t.  

As your needs change, an insurance professional can also help you transition to a Medicare Advantage plan that can offer expanded coverage or a Medicare Supplement plan that can help with out-of-pocket costs.  

But choosing the right Medicare coverage is just one component of good overall retirement planning.  

Every element of your financial life – including Medicare – should be working in sync to keep you on the road to achieving the retirement lifestyle you want. We can offer you valuable, personalized guidance on some potential future needs you may have overlooked.  For example, we can answer your questions about Asset Protection, Social Security, Life Insurance and Long-Term Care, all issues that could impact your retirement planning in the years ahead. 

And as independent insurance professionals, we enjoy a relationship with multiple providers, so we can offer you a wider choice of plans designed to help you meet your needs. 

Partnering with an insurance professional can save you time, money and provide peace of mind when making these crucial retirement decisions. To find out more, call us to set up a no obligation consultation today. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Video Tip from Financial Advisors:

 

The average American household debt is increasing. Some debt is good, but some debt is bad. Good debt includes borrowing for a home or college education. Good debt is often defined as debt that can help you generate additional income or increase your future net worth. Bad debt includes buying things you use that won’t generate money in the future, like a boat or a high priced car. Save up and buy these kinds of things with cash, not with debt. Set aside a certain amount of savings each month just for this purpose.  

Here are some other tips to help you control your debt. Always pay a bill when it’s due and don’t incur interest or late charges. Start paying off your most expensive debt first. For instance, if you’ve two credit cards and one has a higher interest rate, pay that one off first. Don’t fall into the monthly minimum payment trap. It will take many more years to pay it off.  If you’re refinancing, just aim at reducing your interest rate and not consolidation of debt. Let us help you develop a debt management strategy as part of your overall investment plan. Give us a call today. 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Marketing Content for Life Insurance

YouTube Life Insurance: How Life Insurance Can Generate Retirement Income

Many people don’t know that a whole life insurance policy can be a source of income for retirement. With a whole life policy, your premiums don’t change, and coverage lasts for the rest of your life. Whole life policies also accrue “cash value” over time, because a small percentage of the premium that you pay for insurance costs goes into a savings account that earns interest. The rate of return varies from company to company, and the cash value of the policy can be withdrawn as an additional source of retirement income. If the amount withdrawn doesn’t exceed the amount you’ve paid in premiums, that money will be tax-free. Of course, withdrawing these funds will reduce the death benefit to your beneficiaries, and withdrawing any dividends earned could be taxed as income. Before deciding whether a whole life policy is right for you, you should understand all your options by speaking with a financial professional. To learn more about smart retirement savings strategies, give us a call, or visit our website today.

 

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How to Choose a Financial Advisor – Video Tip

How to Choose a Financial Advisor – Video Tip

Various financial industries strive to create standards of excellence through accreditation programs. When choosing a Financial Advisor, here are some designations you should look for.  

A CFP is a Certified Financial Planner who must pass stringent standards for Education, Examination, Experience and Ethics while providing financial planning to clients.  

A ChFC is a Chartered Financial Consultant and is very similar to the CFP except it does not require a comprehensive board examination.  

A CLU is a Chartered Life Underwriter. This is the most respected insurance designation for agents who specialize in life insurance and estate planning.  

A CPA is a Certified Public Accountant who has passed required college courses and has a bachelor’s degree. In addition, they have passed a 19 hour 2-day exam. Their focus is taxes, auditing and bookkeeping.  

A CFA is a Chartered Financial Analyst who has passed a rigorous course of study. Their focus is investment analysis and portfolio management.  

There are many new designations that have developed recently. But most are not as rigorously tested as CFP and CPA. Designations are an important part of your selection process. Always choose someone who understands your situation and focuses on providing for your needs. Ask us about our experience and our methodology to provide for your needs today. 

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Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Long Term Care Insurance – Video for Social Media – Facebook, LinkedIn

YouTube Video: What to Look for in Long-Term Care Insurance

Thousands of Baby Boomers are retiring each day, and many are wondering about the possibility of having to pay for expensive long-term care. Long term care insurance was created to cover the costs of skilled nursing, assisted living and other types of care as you age. Long term care policies are expensive and should be considered carefully. The expense is determined by some of the features you choose such as: 

Inflation protection. One of the main reasons to buy long term care insurance is to protect against rising prices. Inflation riders can be automatic, and are usually 5 percent annually, which is the most expensive. They can also be periodic, which means they’re set at increments of every couple of years.  

Another factor that determines the cost of long-term care insurance is the elimination period – most policies require you to pay for yourself for the first 20 to 100 days of care. The shorter the period, the higher the premium. Medicare pays for up to 100 days of skilled care following a hospital stay, so check to make sure the policy day count includes the days when Medicare pays. 

Long term care insurance pricing varies with the Level of care provided. The three levels of care are skilled care, or full-time nursing care, which is the most expensive. Then there’s intermediate care, which is regular skilled care but not full-time. And lastly is custodial care, or assistance with daily living by non-medical personnel. This is the least expensive type of care.  

There are many other features to consider when shopping for long term care insurance. Give us a call today or stop by our website to learn more.  

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Marketing for Social Security Benefits – Video Content

3 Ways to Boost Your Social Security Benefits

 

A question we hear often is, “Is it possible to increase my Social Security benefits?” The answer is yes, there are 3 basic ways you can boost your benefits; work more years, earn more in annual income, and claim benefits later. 

Social Security benefits are based on an average of your 35 highest earning years. By working more years, you can replace any zeros from missed years, or lower wage years, to create a better base for your benefit calculations. 

The Social Security formula is based on earnings, up to a designated limit, each year. That limit can change. In 2003, for example, that limit was $87,000. In 2016, the limit was $118,500. If you’re earning less than the annual limit, a higher working income will help you increase your benefit. Working overtime, extra hours, or taking a second job are all ways to boost that annual income.  

You can claim benefits as early as age 62, but the longer you wait, the higher your monthly benefit will be. The difference in income when added up over a lifetime can be enormous. For more information on how to maximize your Social Security benefits, please call or visit our website today. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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Video Tip: What Type of Life Insurance Should I Buy?

Video Tip: What Type of Life Insurance Should I Buy?

Video Transcript:

A life insurance policy protects your loved ones against the loss of your income after your death and helps to preserve their standard of living. You’ll name a beneficiary to receive the proceeds, and in exchange, you’ll pay premiums as outlined in the policy terms.  

Once you’ve determined how much you need, factoring in future expenses and current debts, you need to decide on one of the four types of life insurance: term, whole, universal or variable. 

Term life insurance covers you for a specific period of time, like one, two, ten or twenty years. The death benefit is paid only if you die within the policy term. Premiums generally start out lower, depending on your age, which allows you to buy more coverage.  

Whole life or permanent insurance covers you as long as you pay your premiums. The policy accrues a cash value that you can collect if you terminate the policy.  It pays a fixed amount on death, and premiums are usually higher than for term insurance. Universal life insurance is also permanent, but this option offers greater flexibility than whole or term. You can increase or decrease the cash value and death benefit if your needs change, with a related rise or drop in premiums.  

Variable life insurance is another type of permanent life insurance, but with an investment component. The cash value is invested in sub-accounts similar to mutual funds. Variable life is considered a security because of its investment risk. 

If you’d like to learn more about the pros and cons of different insurance policies, call us or visit our website today.  

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Life Insurance Marketing – Video Tips for your clients

Video: Universal Life Insurance

How would you like to have the peace of mind of whole life insurance coverage combined with a flexible payment plan? A Universal Life insurance policy offers you the option of making adjustable premium payments. You can make higher premium payments when you have extra cash on hand… or lower ones when money is tight. After you make your initial payment, you can pay premiums at any time, in virtually any amount, subject to certain minimums and maximums outlined in the policy. 

Universal Life policies even allow you to reduce or increase the death benefit more easily than under a traditional whole life policy.  

Other optional secondary guarantees can provide lifelong coverage at rates that can be considerably lower than other forms of permanent insurance. Universal Life policies give you the whole life coverage you need AND the ability to adjust your payment plan whenever you need to. To find out more about Universal Life insurance, call us today. 

 

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Choosing Medicare Coverage – Retirement Tips

How Do I Choose Medicare Insurance Coverage When I Retire?

Video Transcript:

Many people are uncertain about their choices when it comes to enrolling in Medicare insurance.  

There are 2 main ways to get your coverage – you can choose the traditional fee-for-service Medicare insurance, known as Original Medicare insurance, or a Medicare Advantage plan.  

Medicare Advantage plans are similar to an HMO, which stands for Health Maintenance Organization, or a PPO, which stands for Preferred Provider Organization. 

Original Medicare insurance consists of Part A – Hospital Insurance for in-hospital care, and Part B -Medical Insurance for outpatient services like doctor visits and lab tests.  

Medicare Advantage, known as Part C, is a managed care option that rolls all the different parts of Medicare insurance into one.  

And everyone on Medicare insurance is eligible for prescription drug coverage either from a Part D plan or a Medicare Advantage Plan offering drug coverage. 

There are many considerations that can factor into the Medicare program planning process. Let us help you with your important Medicare insurance decisions. Call to speak to a licensed insurance agent. 

 

Whiteboard Videos for Reverse Mortgage, Financial Advisors, Loan Officers, and Medicare Insurance. Social Media posts for Facebook, LinkedIn , X, Instagram and more!

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JILL ADDISON
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