death – Susman

October 14, 2016

No More 9-5

Our lives change daily and sometimes super-fast and dramatically. It isn’t as ‘easy’ as it was back in the day. The 9-5 lifestyle of the man working and the woman at home has changed. Yes, it still happens, but it is not as common as it once was. It has become more common for both parents to work outside the home, because of the increase in the cost of living and the need to cover all expenses. Trying to cover basic needs can be overwhelming. Keeping a roof over your head, gas in the car and food in the fridge is a herculean task in itself, let alone trying to afford private school tuition for your kids or paying off college loans or even simply building up the savings account so you can cover unexpected costs like repairs for your car.

Imagine if you didn’t have all the income you needed to cover all your expenses. Imagine of you were suddenly left without the second income – or worse, left without your spouse due to a sudden and unexpected death. The stress of thinking how hard that would be on your loved ones is why we talk so often about the importance of having a life insurance policy that will support your family when you die. There is a lot of comfort in knowing your family won’t have to struggle through a financial mess, that your kids will be taken care of, that your small business will still survive.

There are plenty of options when it comes to your life insurance. We offer a very personalized service – as personalized as you want. Whether you speak to use directly purchase online, we hope you get a life insurance policy sooner rather than later.

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April 22, 2016

Best Face Forward

It seems like almost every day there is another celebrity revealing an update in their look. Sometimes this update involves a little nip and tuck. Whether you care for the celebrity or not, it is hard not to have an opinion when you see the changes and updates. Sometimes opinions turn into ridicule which can turn into extreme bullying. That’s unfortunate. However, in my opinion – if you are going to be in the public eye then you have to be prepared for harsh criticism when you change the structure of your face.

This leads me to think about plastic surgery. I am not against plastic surgery in any way, but like most things, it should be used carefully and in moderation. There are significant risks associated with plastic surgery – all of which should be research prior to going through any procedure. If you are considering plastic surgery, please make sure you sign-up for a life insurance policy or update your current one. We can’t control the outcome of your physical changes, but we can make sure you are covered just in case the unthinkable happens.

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July 16, 2013

April 11th The Date That Changed the Conway Family Forever

For most individuals birthdates and anniversaries are memorable dates that are marked on a calendar. They are memorable because they represent a number of positive changes that impacted our lives. The Conway Family has those types of dates marked on a calendar, but they also have the date April 11 mentally marked.

People die in car accidents every day. Be sure your family has life insurance to protect them.

April 11^th is a particularly memorable date for The Conway Family because that is the date their lives changed dramatically.

The Conway Family was a friendly, loving family. The father, James, worked full-time at the local factory, while S andy, the mother, stayed at home to raise their two children, Peter age 6 and Gina age 10. S andy was extremely active in the school’s PTA, children’s sporting events, and other organizations throughout the community. That was the general picture of The Conway Family until April 11.

One evening while James was on his way home from a late night shift the unfortunate happened. A drunk driver failed to stop at a red light and slammed into James’s car. The impact killed James instantly and forever changed the lives of The Conway Family.

After the initial shock of the incident wore off, S andy was left with a tremendous task of piecing everything together. There were bills to pay, mortgages to h andle, and food to purchase; all of which were usually purchased with the money James brought home.

James had always been the main bread winner of the family and while S andy knew the truth was she would eventually find a job; the task seemed extremely difficult with 2 children and the money needed to come in right now. Luckily, James made one very important and potentially family lifesaving decision – he purchased life insurance.

James purchased a decent life insurance policy that allowed S andy to collect a considerable amount as part of the policy’s death benefit. This single decision helped The Conway Family considerably. It allowed S andy to pay the mortgage bills that allowed her to save the house and keep a roof over the family’s head. It allowed her to purchase food and clothing, and it even allowed her to set up a small college fund for the children.

That single decision on James’s part to purchase life insurance was a true lifesaver. It prevented his family from being fatherless, homeless, and husb andless in the event of his untimely passing.

April 8, 2011

A Living Will—Your Medical Directive

How do you feel about life-support systems for the terminally ill? How much thought have you given to the decisions your family may face when contemplating the choice of maintaining or terminating life-sustaining medical treatment for you? Certainly, it is an easy subject to avoid considering. However, it is important to recognize there are measures you can take now that can help solidify your thoughts and wishes on the subject, thus providing your loved ones with guidance in the event such decisions become necessary.

A Closer Look

At the present time, nearly all states have passed some form of law dealing with the requirements for living wills or health care proxies. While a health care proxy allows you to appoint someone to make decisions on your behalf, a living will generally allows you to specify the particular types of treatment you would like to have provided or withheld. Each state has its own set of requirements.

A living will is a medical directive—written in advance—that sets forth your preference for treatment in the event you become unable to direct care. The document may be drafted to include when the directive should be initiated and who has the decision-making responsibility to withdraw or withhold treatment. In addition to allowing respect for your wishes, the living will can help alleviate feelings of guilt or uncertainty experienced by those faced with the responsibility of making important decisions for loved ones.

The Patient Self-Determination Act

A far-reaching federal law, known as the Patient Self-Determination Act, requires all health care providers that receive Medicare and Medicaid to inform everyone over age 18 of their right to determine how they want to deal with this issue and to ask whether they want to fill out a living will. If you have received information on this subject, it’s no coincidence, since the law also requires increased emphasis on community outreach and education.

This law impacts virtually every hospital, nursing home, and health maintenance organization (HMO) throughout the country. It is important to note that the law does not m andate that health care providers require their patients have a living will. Instead, it stipulates that health care providers must provide written information about the patient’s rights to make decisions about medical treatment, including the right to make an advance determination about life-sustaining medical treatment, and record whether the patient has done so.

At the present time, it appears most of these organizations have determined this question can most appropriately be h andled when a patient is admitted. Therefore, the next time you are admitted to a hospital—even for something as minor as having a mole removed—don’t be surprised if you are given information about these rights and are asked to fill out a form that asks whether you currently have a living will or wish to have one.

The living will is a legal document, and each state has its own specific requirements. A qualified legal professional can help you underst and the benefits of a living will and what has to be done to assure its validity.

Before implementing any strategy discussed herein, you should consult with your own financial, tax, and/or legal advisors to determine its applicability in light of your own situation.

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This article appears courtesy of Karl Susman. Karl Susman is a representative of the New Engl and Life Insurance Company. He focuses on meeting the individual insurance and financial services needs of people on the West Coast. You can reach Karl at the office at (424) 785-4337. New Engl and Life Insurance Company, 501 Boylston Street, Boston, MA 02116

No More 9-5

A Closer Look

The Patient Self-Determination Act

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