Awareness of Life Insurance

kuartet   May 18, 2016   Comments Off on Awareness of Life Insurance

Why do you need life insurance?

Life insurance is an important part of your financial planning. If your family’s only source of income is your salary, then you need life insurance coverage. If you are young, then you need more life cover that will last longer. You should take a life insurance for 10 years or 20 years depending on the age of your children. If you have no dependents then you will need less cover. A life insurance will give your family an income as long as they need it. It will take care of your loans even after your death. A life insurance could help to maintain your family’s standard of living and makes sure that your children have all the opportunities even after your death.

What is a Term Assurance?

A Term Assurance is an insurance policy taken for a fixed period of time. For eg. 10, 15, 20 years or more. You are guaranteed a fixed sum if you die within that period. No payment is made if you survive during that period.

What are the other types of insurances?

There are different types of life insurance policies.

a. Mortgage Protection: If you have mortgage on your home, Mortgage Protection will clear your mortgage when you die.

b. Specified Illness Cover: It gives you the money when you are still alive. It helps you pay your medical bills if you are out of work. So you can get better without worrying about your medical bills.

c. Whole of Life Cover: If pays you a lump sum whenever you die.

d. Over 50s No Medical Cover: Anyone above 50 can get this insurance policy. The advantage is that, no medical questions are asked. All you need to do is fill in the application and get immediate cover. For the same reason, the price of this cover is higher when compared to other policies.

e. Income Protection: Those who are self-employed should consider Income Protection. It usually pays you almost 3/4th of your annual income if you are out of work owing to illness or disability. This policy contains a deferred period, which means you have to show that you have been out of work for a minimum of 13 weeks.

What are the important points to consider before taking an insurance policy?

Check out the policy benefits or the sum assured on your death. You must decide on what type of cover you want. You will need Whole of Life Cover if you want cover that will pay whenever you die. Specified Illness Cover usually pays out 80% of the sum assured if you are diagnosed with a serious illness.

What are the details you need to give to take life insurance?

You have to fill in an application form giving details about your medical history and lifestyle. Depending on your age and the type of policy you are opting for, your insurance agent will ask you to get a medical certificate. You need to give details truthfully if you want your dependents to get compete benefits of a life insurance.

Is it possible to cancel an insurance policy?

You can cancel your insurance policy during the cooling off period – that is within 30 days of issuing the policy. You will get a full refund of any premiums paid.

Long-Term Care Planning: Then and Now

kuartet   May 3, 2016   Comments Off on Long-Term Care Planning: Then and Now

When you think about long-term care, what is the first thing that comes to mind? For many, it may be nursing homes or something associated with aging and increasing medical needs. In a broad sense this is appropriate, but much has changed in the last decade or two in regards to options and how to fund them.

Boomers (and the next generation of retirees) need to plan for elderly care in a different way than their parents as they’re facing the unclear future of entitlement benefits and rapidly rising medical costs. And they’re living longer. When it comes to planning, many people have the “it won’t happen to me” attitude, however approximately 70 percent of people over age 65 will need some sort of long-term care assistance during retirement.

Evolving options

The difficult question that weighs on many people is how do you plan for these unforeseen expenses so they don’t derail retirement? When planning for care costs, you have options such as earmarking savings for medical expenses or relying on entitlement benefits or family.

Long-term care insurance is another option for people to consider. Over the past several years, insurance products have evolved with care options and trends. Today, nearly half of benefits paid by private insurers are for in-home care or assisted living care. Whereas before this insurance was primarily used to pay for skilled nursing care. Many current policies also pay the benefit to the insured or insureds, unlike many policies in the past that paid a nursing facility directly. To understand more about the evolution of long-term care, here’s a deeper look at long-term care planning past and present:

Government programs: The silent generation (those born during the great depression and World War II), were among the first to experience longer lifespans, and the first to have access to official nursing care facilities. However, the question of whether or not entitlements would be there was not a topic of conversation for this generation. As more boomers reach retirement age, the potential of a strain on government entitlement programs has become an increasing concern as current benefits may not cover most medical services a person will face.

Long-term care insurance: With long-term care insurance being a relatively new idea, many parents of baby boomers likely didn’t consider the potential needs (and realistic costs associated) of formal long-term care. Since then, a number of options have been developed by insurers to meet boomer’s needs, and over time, insurance features have evolved. Some of them include:

  • Straight long-term care insurance policies: These are policies that pay a benefit up to the daily or monthly maximum. The amount can be paid to the insured person, who can then pay the care provider. The insured person also can choose to pay for the care provider to bill the insurance company directly.
  • Life insurance policies with a unique rider: Advanced benefit riders can be somewhat inexpensive additions to a life insurance policy, and they allow the death benefit (often up to 90%) to be paid in advance of death if the funds are needed for long-term care. Whatever amount is provided to the insured is simply deducted from the death benefit when that person passes away.
  • Policies that combine life insurance and long-term care insurance into one policy: Some insurance plan options may allow a lump sum premium to be paid for insurance that provides a combination of benefits such as a death benefit and the ability to advance most of that benefit for long-term care needs. These policies may even include a “right to rescind” the contract in which the policy holder may change his or her mind after a period of time and the full premium is refunded (if no benefit has been paid).

Family: Relying on family may seem like the simplest option, and it’s one that many people choose, sometimes out of necessity. However, the emotional, physical and financial stress on family members caring for a dependent family member can be a very large undertaking. If you plan to rely on family members to support your long-term care needs, make sure to tell them well in advance so they can create a plan to address your needs and wishes.

An aging person who needs care may choose from many options to help provide or fund professional care including family, government resources, self-insurance (if there are enough assets) or private insurance. Each of these options has some merit, but in most cases, no single option on its own will cover everything. It’s difficult to predict what kind of long-term care needs you may need, which is why you may want to talk with a professional who can discuss the options for your unique situation.

*There can be many variations on insurance policies so clients should carefully consider each policy with respect to their own current and potential needs

Read Before Settling Your Worker’s Compensation Claim

kuartet   April 29, 2016   Comments Off on Read Before Settling Your Worker’s Compensation Claim

Worker’s compensation insurance is beneficial for both the employer and the employee. This is because while it denies the employee the right to sue the employer in the case of work related injury, illness or disability caused by the employer’s negligence, it entitles the employees to compensation in case of such injuries regardless of who is at fault. The amount to be received by an individual is not determined by the cause if the accident whether or not it was the workers own fault. The right to worker’s compensation is, however, lost if the injury is caused as a result of intoxication or where there is intention to cause injury.

The need to settle

The payment of worker’s compensation may lead to some disputes. In this case the claim is not paid till the dispute is solved. In case of a dispute, the parties may need to seek the aid of the state worker’s compensation board, and more often there will be the need to settle. While settlement may be a good idea as it saves on time and prevents the severing of the worker- employer relationship, there are a few things that one needs to know before agreeing to settle.

What happens in case of a settlement?

In most situations, when the worker’s compensation case is ongoing the employee receives weekly benefits for the injury. When the employee agrees to settle however, he or she cannot receive these weekly benefits.

Depending on the state, the medical payments may or may not continue. Some states require the insurer to pay the medical benefits even after the settlement of the case. In most cases after a settlement however the insurer is never willing to continue with the medical payments. This may lead to the need for a claim to be filed with the board, forcing the insurer to make the medical payments.

Considerations to make before settling

Settling may at times seem to be the best decision but before you agree to settle there are a few considerations that one needs to make.

First the settlement has to be approved by the State Worker’s Compensation Agency. Once the proposal to settle is submitted to the agency, a hearing is held and the proposal is reviewed. A judge has to be satisfied that the agreement to settle was voluntary and that the terms of the settlement are favorable to the employee otherwise the proposal is denied.

In determining the amount of workers compensation settlement the amount of workers’ compensation benefits that one might be entitled to in the future and the likelihood of actually receiving those benefits are taken into consideration.

Employee Leasing – Why Use A Broker

kuartet   April 14, 2016   Comments Off on Employee Leasing – Why Use A Broker

There are many reasons to use a broker to help you navigate through all the complicated aspects of the employee leasing (PEO) industry. Many of those reasons are the very same reasons you use an agent to purchase insurance. Reputable brokers will know their client’s needs and the leasing companies’ backgrounds. They will also be able to get their clients the best pricing, and they provide many free services to their clients.

Reputable brokers are interested in building lasting relationships with their client’s, which means a broker must have a strong working knowledge of the client’s industry and what services are expected from a leasing company. Because of this, many brokers will specialize in only one or two industries which allow them to become expert consultants to their client’s companies. Brokers can often offer their clients advice and guidance that is specific to their industry and not a one size fits all solution.

Reputation is everything, so brokers will do their homework; they know the leasing companies they represent, as well as the ones they don’t and more importantly why. A professional broker will only represent the proven, well-established, reputable leasing companies. After all, they know that the last thing a business owner wants is to entrust their company’s tax reporting and workers compensation insurance with a company that will only take their money, disappear, and leave the company stuck with a large bill from the IRS. Other potential issues the broker wants to avoid are having a client shut down by the state insurance commission because the employee leasing company is distributing bogus certificates of insurance or worse yet, a client having a worker’s compensation claim only to find out that they don’t actually have coverage and has to pay for the medical expenses and lost time on their own.

Another consideration for using a PEO broker is that they work for their clients not the leasing companies. This gives them the power to negotiate on behalf of the client and get the best price possible. Additionally, most brokers will represent more than one PEO and the leasing companies know it. This forces the leasing companies to be aggressive with their pricing in order to “win” the clients business. Another benefit is that the broker will submit their client’s company information to multiple PEO’s at once saving the client the time and hassle of shopping for the best rate. Best of all, though the broker works for the client, their service is often free to use; the PEO will pay a small finder’s fee to the broker for bringing the business to them.

A PEO broker often works as the main point of contact for their clients. They will get between the PEO and the client to ensure a swift resolution to any issues that may arise. The broker’s ability to move a client that is unhappy with a leasing company is more than enough motivation for the PEO to provide a speedy response in order to maintain their relationship with both the client and the broker.

Another service often provided by the broker is handling the paperwork. This service is often provided for free by the broker, however, the PEO will normally charge the client. One of the most time consuming aspects associated with enrollment; is completing the client’s employee applications. In a best case scenario, the dedicated broker will sit with each employee to complete and sign the enrollment form as well as ensure proper completion of the W-4’s and I-9’s. It is the broker’s responsibility to make the process easy for the client and do so in a timely and efficient manner.

As you can see there is no need to go through this process alone and in fact there are many benefits to using a broker to help you find an employee leasing company. The reputation of the broker is on the line, they will look out for what is in their client’s best interest and they will help make a smooth transition into outsourcing their client’s HR needs.

Why Some Types of Homes Are Difficult to Insure

kuartet   March 17, 2016   Comments Off on Why Some Types of Homes Are Difficult to Insure

Not all homes are created equal. While someone on the market for a home may see the advantages of one house over another through the lenses of aesthetics, practicality and preference, when it comes to insurance coverage, the variances are viewed from a different perspective altogether.

To the insurance company, what makes one home harder and therefore more expensive to insure than another?

The following summarized list will give you an idea.

In some areas across the country, Mother Nature is not especially kind. And that’s precisely why it’s near impossible to find cheap homeowners insurance. When there is high liability risk exposure due to the likely losses and damages that can occur to your property when disaster hits, the underwriters need to protect their own interests. They do this by providing coverage that has high premiums. So although a romantic ocean-front beach house or private home in the woods may be your dream, it can actually materialize into a nightmare when it comes to procuring a fitting policy at a low quote.

Though you may adore the style and lure of the older home, the insurance companies do not share the enthusiasm. Due to older internal electricity and plumbing systems, the older home may require costly upgrades and repairs in the event of damage.

Trampolines or swimming pools may invite loads of fun and opportunity for wholesome activity. They also invite liability exposure and that’s exactly why the insurance carriers are wary of them. Whether you like it or not, these types of extras pose a danger threat.

Your dog may be your best friend, but when it comes to insurance rates, some certainly don’t make for saving insurance dollars. Statistics point to tens of thousands of dog-bite insurance claims, with more than $483 million payouts annually. Because of that, specific dog varieties may cause you to have coverage denied and certain dogs living within your home may trigger limits to any dog bite claims.

Though you live within this home during your vacation, no one is there during other times. If a small problem comes up when you are not there, it can turn into a big problem if no one repairs it and that is a problem for the insurance company. Moreover, thieves are attracted to homes that are not occupied. When you are not vacationing, they may break in.

This type of home may have been attractive when you were looking to invest in it, but now that it’s yours and there are no tenants, the insurance companies have a clear issue with it. Due to a lack of occupants, the home may be in disrepair. Furthermore, thieves can do their damage easier than in an occupied home.

If the home you bought has a history of many claims, the insurance companies will not look kindly at it. Such a situation may point to maintenance problems and the probability of future claims.

PRIME Insurance is the A++ rated agency that has won numerous industry awards. We have also been appointed to conduct direct business with scores of the leading insurance companies. Using our broad resources to successfully shop the market for you, PRIME locates tailored coverage at competitively lowest quotes.

Homeowner’s Insurance – What to Do If Your House Burns Down

kuartet   March 6, 2016   Comments Off on Homeowner’s Insurance – What to Do If Your House Burns Down

Fire is such a powerful, frightening, and destructive force. And few disasters can be more horrifying than a house fire.

There is much to be done when you have just lost your home to a fire but how do you stay focused when you are looking at the smoldering rubble of what was your home?

First Steps, First

The most important first step is to follow the directions of the authorities to ensure your safety. Don’t try to enter the area until you are told when (or if) it is safe to do so.

The next step is to contact your family members and let them know what has happened. Reassure them that you’re OK and share the most pertinent information necessary (like how to reach you).

Contact Your Insurance Agent

Now it’s time to call your insurance agent to begin your major claim process.

Having a plan of action to follow can help you stay focused on immediate concerns while you are grappling with the emotional and physical losses. These are some of the steps you will want to discuss with your insurance agent.

• File Your Claim Immediately: contact your agent as soon as possible to start the claim process. You will be asked to submit a “proof of loss claim” that itemizes your losses and values.

• Secure the Property: most homeowner’s policies require that you take reasonable steps to secure your property following a fire.

o If the structure resumes smoldering, contact the fire department to douse the flare-ups and ensure the fire truly is extinguished.
o Board up the structure to prevent vandalism and consider erecting a portable chain-link fence to keep looters out.
o Keep an eye on the property and be alert to new problems or any appearance of something that’s been disturbed.

• An Advance: you may need basics like a toothbrush and clothing right away and won’t want to wait until the claim has been filed and approved to purchase them. Ask your agent about an advance against the claim that can cover replacement necessities. (Be sure to save receipts for your replacement purchases.)

• Track Your Living Expenses: a “loss of use” clause in your policy entitles you to reimbursement for many (but not necessarily all) expenses you incur while you are unable to live in your home.

• Estimates: first, you will need an estimate of prior market value (or the cost of replacing damaged items or parts). Your insurance company’s adjustors will prepare an estimate that you are not obligated to accept unless you are satisfied that it is a fair estimate. You may want to hire an independent estimator to prepare an estimate.

Ultimately, be sure that you and your insurance company agree on the scope of work to be done.

• Pay Your Premiums: don’t stop paying your premiums just because your home and belongings are gone. Your insurance can help cover cost of repairing accidental damage at your temporary location. Talk with your agent about modifying parts of your existing policy that can temporarily reduce your premiums.

• Signing Off on Your Claim: insurance companies usually want to close claims as soon as possible, but you may discover additional losses that you didn’t think of at the time of the disaster. Wait a few months before allowing your claim to be closed.

You and your insurance agent will have a lot to talk about in the coming weeks. Take time to ask as many questions as you need to clarify what your policy will cover to get you situated in your new home.

One final thing – keep track of everything including calls, emails, letters, invoices, estimates, bills, permits, etc. Place these important notes and items in a securable binder. You may need some of this information in case of a dispute or to verify part of your claim. (If your agent asks for a document, forward a copy of it, only.)

Financial Advice on Long Term Care

kuartet   February 20, 2016   Comments Off on Financial Advice on Long Term Care

The rising costs of long term care have been very subjective discussion for many years. This discussion would always be in the focus as long term care is needed by almost everyone. The costs of nursing homes are very high and can sum up to a large amount when the stay is of one year or more. The care fees is something which is not affordable to the most of the people. People find it difficult to pay all the expenses by themselves. For long term care whether in home or at the nursing home can be financed. For many elderly people entitled for NHS Continuing Health Care, they receive complete facilities for free. But this facility is available to very rare and hence one needs care fees advice which costs them less.

Following are some of the ways of financing your care plan:

  • NHS Continuing Care or fully funded NHS care are offered by NHS in which the eligible persons receive free care at any place that could be home, care centre or hospice. Eligibility is needed to be checked before getting this help.
  • Self Funding for the Care: In this type of financing you pay for all the facilities by yourself. You can pay your bills from your personal savings and assets. This option is definitely not a feasible option as most of the people do have so much money to afford the facility fees and even if you have the yearly expenses of the services would deplete your resources soon.
  • State provision for care help: If you do not have enough income to afford your facility fees and you are not eligible for NHS continuing care, then with the help of care fees advice, you can apply for state provision or local authority funding for your facility fees.
  • Annuities and Life insurance: There are a lot many insurance schemes are available for us and one can buy a scheme which lets you use a part of the death benefit for paying your long term care fees. Annuities are the facility that is paid only at the time of the need. You can get long term care advice for getting the best annuities and insurance plans.
  • Long term care insurance: This type of financial planning is to be matured over the years. And after certain time period the person can avail the facility and can get benefits in which your care fees would be paid. In an insurance one has to pay premium for the waiting period in which a certain amount has to be accumulated before getting the benefits. For this type of financial aid one needs to plan long ahead before needing the care facility.

There are institutions who sort out people’s needs by providing them long term care advice as per your economic condition. One should take help from such institutions for getting on time care facility with all the necessary funds for paying for the facilities. Long term care facilities are expensive and hence planning in advance is the best solution.

Know the Difference Between General Liability And Public Liability

kuartet   February 9, 2016   Comments Off on Know the Difference Between General Liability And Public Liability

General liability and public liability are two important insurance covers that protect businesses from third party claims. There might be confusion on whether to choose public liability or general liability insurance. In fact, it depends on the individual business, risks that the business is prone to. Let us consider the difference between the two coverages, which could help you choose the right one for your business.

General liability insurance:

Businesses encounter the risk of legal issues that come in the form of liabilities. Having general liability insurance covers business owners from legal liability because of injuries, illnesses, accidents or negligence. The insurance coverage bears the cost of medical expenses because of the above issues. It also covers issues such as having hurt the reputation, the cost and process of litigation, etc.

General liability insurance is useful for businesses who deal with employees, vendors and investors. Unless included public liability is not covered under this policy. However, compared to public liability, general liability offers a wider coverage, therefore is a bit expensive.

Regardless of the size and type of business, business owners need to discuss with an insurance advisory in advance to get an optimal coverage.

Public liability insurance:

Every business is prone to public liability as most of them are directly associated with public. Business interests are protected by this insurance in case of injury or loss or damage to third party or a customer in the business premises.

Public liability insurance is very essential for businesses that are open to the general public. It is an inexpensive business insurance cover. The premiums are economical and you need not worry about your business regarding covering an injury or damage claim, which is filed by a third party or customer, because public liability insurance ensures that you are covered against such kind of claims.

Remember, this insurance policy does not cover the claims made by employees, investors, vendors. For that you need to purchase additional insurance coverages to cover these liabilities. This is because, in the event of any claim that comes from these groups, it ruins your finances and your business might be forced to close down for shortage of finances, in particular, if yours is a small business. Thus, it makes sense for small businesses to purchase this coverage.

Both public liability and general liability insurance coverages are useful to businesses. However, in order to leverage both and make your policy cost effective you need to be selective while choosing the coverage. By eliminating the unnecessary coverages and by including the risks that are specific to your business you can take the advantage of both in one comprehensive policy. Approach a reliable brokerage that can tailor-made a policy to suit your needs.

Understanding Life Insurance Underwriting

kuartet   January 24, 2016   Comments Off on Understanding Life Insurance Underwriting

There are three common forms of life insurance underwriting: Fully underwritten, simplified issue, and guaranteed issue.

Fully underwritten is most common

Most who have applied for life insurance are probably familiar with the fully underwritten method which, after completing a long and very detailed application, could include a paramedical exam that may also include a blood and urine test. Perhaps all that was required was a saliva swab. It’s also possible a full medical exam by a doctor was required.

From the time of completing the application until a policy is actually issued can range from 1-2 weeks to several months, depending on how long it takes for all the requirements to be received by the insurance company. Generally what takes the longest time is waiting for medical records.

Fully underwritten is the most common but the others: Simplified issue and guaranteed issue may be options that have not been considered, or maybe were not available at the time of application.

There are advantages and disadvantages to each. Whether it’s considered an advantage or a disadvantage depends on one’s point of view.

Guaranteed-issue policies are exactly as it says. Anyone who meets the specified criteria is guaranteed that a policy will be issued. There are no health questions to answer and the application is very brief.

Because it is guaranteed and anyone qualifies, it means high risk, low risk, and anyone in between could be priced the same, although there could be different tiers based on a number of factors, such as age, that differentiates price.


The amount of coverage (the death benefit) is usually very limited and the coverage itself may be conditional. For example only accidental death may be covered and not natural death. It’s also possible that a policy must be in force a certain amount of time before the full death benefit will be paid. There may be other conditions as well.

Guaranteed issue policies are commonly issued within 24-48 hours to a week.

Simplified issue policies are somewhere between a guaranteed issue and fully underwritten. The amount of coverage is usually limited but the coverage is usually not conditional, although it could be. The full death benefit usually goes into effect right away. The application is longer than a guaranteed issue application but not nearly as long and detailed as a fully underwritten application. Most often no paramedical exam, blood and urine etc. is required but some require saliva swab depending on the amount of the death benefit.

Applicants can be and are declined if they do not meet the standards set forth by the insurance company. On the other hand, simplified issue applications are not nearly as detailed and don’t ask as many questions as a fully underwritten policy application.

Simplified issue policies are also commonly issued within 24-48 hours to a week.

Life insurance companies have different tiers of qualification that are used for pricing: Preferred, standard, and sub-standard (aka rated) are most common. Some companies have additional tiers within each tier, such as super preferred or preferred smoker etc.

Fully underwritten policies offer the most variety of pricing tiers.

Simplified issue policies often have only a smoker and non-smoker rate. Some offer preferred. Some offer sub-standard, that are often known as graded policies, which means a policy must be in force a certain amount of time to be eligible for the full death benefit.

Guaranteed issue policies usually don’t have qualification tiers. The applicant either qualifies or doesn’t qualify.

Price Example

Following is one example of the pricing of a very well-known insurance company that offers guaranteed-issue, simplified issue, and fully underwritten policies. The example is for a 40 year old male who is 6 feet tall, weighs 175 pounds, is a non-smoker, has no medical issues and would be issued the best priced preferred policy offered. The death benefit is $100,000 and it is for a 20-year term policy.

His cost would be 14.39 per month.

If the same man applied for a simplified-issue policy with the same parameters as above and with the same insurance company his cost would be 33.39 per month.

If the same man applied for a guaranteed issue accidental death policy his cost would be 16.19 per month.


For the purpose of comparison, if a man with all the same parameters except for the fact that he had some medical issues that resulted in him being rated standard non-smoker, his cost would be 20.61 per month.

At first glance, one would tend to think that applying for a fully-underwritten policy makes the most sense. That may or may not be the case. Consider: A guaranteed-issue policy is guaranteed to be issued. A simplified-issue policy will be issued as applied for about 85-90% of the time. A fully-underwritten policy will be issued as applied for about 50-60% of the time.

It may make sense to pay the higher premium to protect insurability. Once the policy is issued, it cannot be canceled by the insurance company. From there, if someone feels confident they are in good health, they can apply for a fully-underwritten policy. If it is issued and it saves money, then cancel the more expensive policy in favor of the less expensive policy.

On the other hand, if someone applies for a fully-underwritten policy and is declined or rated substandard for whatever reason, they will not be able to go back and apply for the simplified-issue policy, although they may still qualify for a guaranteed policy.

In other words, it may make sense to insure that you will be insured. The cost is obviously a concern but putting oneself in the driver-seat may cost a little more but it may be a safer way to go. It’s something to consider.

Bob is a life insurance and safe money expert with more than 20 years experience. His business model is based on honesty, respect, best effort, and is driven by the 5 F’s: Food, fitness, finances, fulfillment, and fun.

Life Insurance, Safe Money, And Food?

kuartet   January 2, 2016   Comments Off on Life Insurance, Safe Money, And Food?

What does a guy who is a life insurance and safe money retirement planning professional know about food? What do these have to do with food, especially life insurance over 60?

The answers

I’m not just a professional. I’m human. I’m over 60. Like all living things, including humans, I must eat to survive. That doesn’t make me an expert about food, but I have taken a passionate interest in food and how it affects me.

The most broad statement I can make is that the food we consume, which includes not only the food we put in our bodies, but how we feed ourselves mentally, emotionally, and spiritually as well. All of it has a direct effect on our overall health. Our health is one of the two main factors that determine our ability to qualify for life insurance which includes life insurance for retirement planning. Our health also has a direct effect on our longevity. Doesn’t longevity affect safe money?

Life insurance products and safe money retirement planning deal directly with these issues.


Therefore where these issues intersect have a direct effect on not only my livelihood and financial health. It also has a direct effect on everyone’s livelihood and financial health. To what degree it affects others is why I concern myself with this as subject matter for this writing. It’s not up to me to decide for you. It’s up to you to decide. I am trying to help by calling attention to the matter(s).

Not a food expert

I do not claim to have all the answers where food is concerned. I do claim to have done a lot of research and I know how food affects me. It is my hope that others will look more closely and their own situation and do their own research. I enjoy sharing my experiences and knowledge about the subject of food. I am licensed to help people with insurance products and safe money retirement planning, the best safe money.

There are actually 5 factors. They are the 5 F’s: Food, fitness, finances, fulfillment, and fun.

A way of life

They’re about health, balance, protection, and peace of mind. They’re meant to work together in a cyclical manner to create a long-lasting and rewarding life.

They’re how I try to live my life and a simple way to define the life I try to live with the intention of interacting with others who live a similar life or who are interested in such a life.

Simple formula

Eat organic as often as possible. If it’s directly from an animal or plant and hasn’t been processed, it’s probably OK, at least not as harmful as some of the junk that passes as food. Read labels. If you can’t pronounce the ingredients or don’t know what they are, don’t buy it and don’t eat it.