101122 Need Medicare Benefits?

HAYDEN CHILDS

Alabama Licensed Agent

205-269-1382

20375 STATE HWY 253

BEAR CREEK, AL 35543

www.haydenchilds.net

shcmail34@yahoo.com

Need Medicare Benefits?

I wanted to let you know that I am here for you! If you have any Medicare questions, please do not

hesitate to call me. I cannot wait to assist you and answer any questions that you have about Medicare,

from how it works, what each part of those alphabet letters means (PARTS A, B C, and D), how those

parts effect you, and what type of plan is best suited for you and your specific needs.

Since you are becoming eligible for Original Medicare, I can help guide you through the process to get

started.

ALL CONSULTATIONS ARE FREE!

I am state licensed, certified, and authorized representatives for Aetna, Cigna, Humana, and

United Healthcare. Plans are contracted with CMS (Centers for Medicare and Medicaid Services) on

an annual basis. I cover North and Central counties of Alabama, so tell your family and friends!

I also offer life insurance, so don’t forget to ask me about it!

If you are already enrolled in Original Medicare only, Original Medicare along with a Medicare

Supplement, or Original Medicare along with Alabama Medicaid, there are additional benefits you may

be able to receive by enrolling in one of our many Medicare Advantage plans such as dental, vision,

over-the-counter items, gym memberships, transportation, hearing aids, etc. Most of these plans are

$0 per month.

If you are Veteran on Medicare with VA benefits, Tricare, Tricare for Life, or Champ VA, there are

plans designed especially for you at a $0 monthly premium! You may even be entitled to get part of

your Medicare Part B premium given back to you each month!

These plans WILL NOT affect your current VA coverage!

I make house calls! Let me know if you need a free, no obligation home visit to discuss your

Medicare plan options. I would be happy to assist you.

It is important to have a LOCAL agent to assist you with your plan choices.

Give me a call for your free, no obligation, Medicare evaluation today!

HAYDEN CHILDS – 205-269-1382

LICENSED – CERTIFIED – LOCAL-AGENT

“We do not offer every plan available in your area.

Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”

Comments

022823 The 9 Benefits of Whole Life Insurance...

(1) Provide for Loved Ones… It’s the basic need everyone thinks about. You have a young family. You are the major breadwinner. Something happens to you. How is Your family supposed to make ends meet? It’s a form of protection. Peace of mind. (2) Key Man Insurance… You and your partner own a business. It’s grown. Many employees Depend on you. If something happens to your partner, it’s likely their Spouse or family will inherit their share of the business. Cash would Be a lot more useful to them. Life insurance on both partners can Provide the cash to buy out heirs and keep the business intact. (3) Emergency Loans… Hopefully your client lives a long life. The whole life policy accumulates Cash value, eventually growing to the full face value, or beyond. Many Policies allow you to borrow money against the cash value. You would pay interest. (4) Funding Estate Taxes… Your client owns a farm. It’s your major asset. It’s illiqui

081022 Is Life Insurance Worth It?

The decision to buy life insurance is personal. So many of the insurance calculations depend on your circumstances, Financial situation and future plans. Even individuals who don’t currently have dependents, a business, Or significant debt may want to look into getting life insurance. That’s because the cost will go up as you age, which means that right Now is likely the cheapest time for you to buy a policy. Even the best planners can’t predict the financial fallout of your demise. Carrying some life insurance can provide a layer of financial protection For your beneficiaries. Thinking through the potential financial issues that could arise after your Death can help you answer the big questions: when, and how much Life insurance you should buy, if any. - Emily Guy Birken https://www.thebalance.com/who-needs-life-insurance-2645793#toc-why-buy-life-insurance Hayden Childs Alabama Licensed Agent (205) 269-1382 www.haydench

050922 How Much Does Life Insurance Cost?

The cost of life insurance varies significantly depending on several different factors. One of the biggest cost factors will be the type of life insurance you buy. For example, a term life insurance policy is significantly less expensive than a Whole life insurance policy for the same amount of coverage. Here are some of the most common factors affecting life insurance rates… Age… The younger you are when you buy a policy the less you’ll pay. That’s because your chance of death is smaller. Sex… Females have a life expectancy that is nearly five years longer than males, according to the National Center for Health Statistics. This means that men generally pay more for life insurance than women (except in Montana where insurers must provide gender neutral life insurance rates). Health… Your health has a major impact on your life insurance rates. The insurer will evaluate your past and current medical conditions in order to

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