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Posts Tagged ‘life insurance’

PRE-PLANNING MY FUNERAL-Is it my responsibility? 

Sitting down with loved ones to plan your funeral may not be high on the priority list, but it is something that should be discussed in order to ensure a ceremony or service that reflects your legacy and provides for your wishes. Otherwise, the “to-do list” could be overwhelming for bereaved family members.  The choice of having a traditional funeral, being buried in a green casket, having ashes dispersed in the ocean, or the decision to donate your body to science are based on an individual’s personal beliefs, religion, and passions.

A retired schoolteacher preplanned her service to include ceremony music, how her body would be returned to the earth, and who was to be invited to the church. While diagnosed with pancreatic cancer, she composed a beautiful letter to be imprinted on the back of the funeral program. She expressed the gratitude and love she had for all the guests, the happiness in her life, and how she enjoyed living life to its fullest. She did it all.

In a sense, purchasing life insurance is pre-planning. It is a guarantee that upon one’s death, a lump sum of money will be available to cover funeral costs and other expenses. Hypothetically, if a 40-year-old bought a $100,000 Whole Life insurance policy and passed at the age of 60, the total cash value would equal $34,400 with a death benefit of $113,600 based on dividends earned – all from a total out-of-pocket investment of $31,400. This money could cover various costs associated with a funeral or memorial service along with the survivors’ unpaid expenses.

Benevolent Funds are collections taken up by churches and are often included within fiscal budgets. These collections provide funds to assist with funeral costs of members who were not successful in purchasing life insurance prior to death. If families are in an impoverished financial state or someone is diagnosed with a terminal illness, a small, modified life insurance policy is an alternative. Some churches may find benevolent funds too much of a burden on budgets; their monies could be used to support those in need who are still living.

Know your options and plan ahead.  Do it as an act of love for those you will leave behind.

This article was written in collaboration with the Family Life Transition Team, assisting families with life changing events such as; the death of a loved one, infant or pregnancy, divorce/separation, disabling event or illness, passing of a pet, physical catastrophes, adoption, or job loss. For more information contact Melody Anderson of Chadwick Insurance Group, LLC, 336. 707.9308. Family Life Transition Team can come to you.

Just a Cloud Away, Inc. ™ Journal

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A new resource for women suffering from medical conditions such as, chemotherapy treatments, alopecia, lupus, thyroid problems, breast cancer, stress had their grand opening to the public January 14, 2011. Undetectable wigs are even suitable for hair loss from genetics and certain medications such as Wellbutrin, with the complete list from WebMD found here. Gastric bypass surgery can also be a factor in the loss of hair, but with a healthy diet, can be minimized. Health coaches are also very beneficial to keep you on track.

The opening was sponsored by Just a Cloud Away, Inc. ™Journal and many other resources were present offering their support, products and services.

Much of the conversation took place in the Serenity Garden designed by DianaDigsDirt.

Residential Serenity Gardens are also designed to engage the senses

Melody Anderson of Chadwick Insurance Group-offers the health insurance to meet  your needs and your budget.

Create a Cake Catering dropped off some yummy cookies and in March, will be hosting

 The Location is Emerald Event Center, click here for info

Pamela Thomas of NY Life- investing in life insurance is well spent dollars,  five investment options to avoid recommends Dave Ramsey.

XoCai Chocolate was another treat

Christiana Dyson of Mary Kay Cosmetics (host a party and %10 is dedicated to Breast Cancer Research). Chanel Lace Hair Gallery will provide space at shop if needed.

Angela Howard, Health Coach of Take Shape for Life offers guidance for women regarding a healthy diet and increased quality of living.

Local author, Janet Nestor signed books during the opening.

Katie, owner of The Clean G, offering cleaning products, air deodorizers and room spritzers, non-toxic, safe and organic.

B-Skinney Coffee gave out samples of a low-glycemic delicious cup of joe.

Janet Nestor treated us to complementary energy work sessions and they were greatly appreciated.

Janet has a gift of connecting with deceased family members through her energy work, more info here.

Thank all of you for your time and especially Sharon Ellis-Wiley of Chanel Lace Hair Gallery. Stop in to say hello.

Sharon has set up a small fund women who cannot afford a wig. Make a donation by purchasing a ribbon and write a brief note or your name on a Breast Cancer Awareness Ribbon and hang on tree in the Serenity Garden

 

Gorgeous flowers donated by Harris Teeter

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Do you know your health insurance agent and would you feel comfortable calling him/her to inquire about your changing needs or existing policy questions?

Melody Anderson of Chadwick Insurance Group is one phone call away to answer your major medical insurance questions. She helps her clients in the Piedmont Triad Area  understand their insurance policies and unique situations to select the appropriate coverage. For years Melody has been assisting people looking for affordable options, such as;  major medical insurance (individual or group), life insurance and medicare (65 years and older or disabled).

Major Medical Insurance-individuals or families looking for the best coverage for their budget. Sometimes a spouses group insurance plan is not necessarily the best option.

Group Health Insurance-your existing broker may not  be searching for the best options.

Medicare-people 65 and older or disabled can receive medicare. If you are a medicare beneficiary, do you know how the new reform will affect your benefits? Are you paying too much for your supplement? A seasoned medicare specialist can provide the answers to these questions.

Life Insurance-don’t let these decision overwhelm you. Allow an agent to walk through the process with you and your loved ones. One question to ask yourself, “How would my family manage if I were to die suddenly?” Life insurance would ensure financial security. We will all pass, but would we be prepared?

 The benefits of having a health insurance broker

  • They return phone calls within 24 hours
  • They can guide you through claims, changes in price, adding dependants and health care reform issues
  • They are your personal customer care agent for life
  • Your phone calls are not forwarded to another representative and there are no automated recordings requiring pressing 1, 2 or 3.

Melody Anderson will be present at the Medicinal Plants and Holistic Healing Workshop at Terragen Nurseries June 26th to answer any questions regarding options for your needs and your budget.

Give Melody a call for a quick consultation, 336.707.9308 and it won’t cost a dime.

Thank you for your support with Just a Cloud Away, Inc™ Journal 

Peace….Diana

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