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insurance company | Nevada Senior Guide

Local New York Life Agent Jennie Kim Offering Added Protection and Security through AARP Products

March 18, 2014 by · Leave a Comment
Filed under: Press-Media Releases 

Jennie Kim from the Las Vegas General Office] of New York Life, is now authorized to offer AARP branded life insurance and lifetime income annuity products to AARP members.  It is the first time these group life insurance products are offered by authorized-to-offer Agents.

 

Ms. Kim is among a select group of New York Life agents who became authorized to offer her clients AARP Guaranteed Acceptance Life; AARP Level Benefit Term; AARP Permanent Life Insurance, all from New York Life and New York Life’s Guaranteed Lifetime Income Annuity.  She is a Licensed Insurance Agent andpassed courses specific to AARP.

 

Ms. Kim has been providing insurance and financial services for over 15yrs specializing in Life Insurance, Long Term Care, Retirement Planning and Estate Planning.  She has served on the Boards of Chambers and Non-Profits Boards and works with many multiple charity organizations including United Way.  She is a member of National Association of Insurance and Financial Advisors (NAIFA), Women in Finance Industry (WIFI), and many more. She resides in Las Vegas, Nevada with her three children.

 

Since 1994, AARP group life products from New York Life have been available via direct mail to AARP members.  The Company has also been the provider of group lifetime income annuities to AARP members since 2006.

 

New York Life Insurance Company, a Fortune 100 company founded in 1845, is the largest mutual life insurance company in the United States* and one of the largest life insurers in the world.  New York Life has the highest possible financial strength ratings currently awarded to any life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+).**  Headquartered in New York City, New York Life’s family of companies offers life insurance, retirement income, investments and long-term care insurance.  New York Life Investments*** provides institutional asset management and retirement plan services.  Other New York Life affiliates provide an array of securities products and services, as well as retail mutual funds.  Please visit New York Life’s website at www.newyorklife.com for more information.

RENOWN HEALTH WELCOMES 71 NURSE GRADUATES

July 8, 2013 by · Leave a Comment
Filed under: Articles 

RENO, Nev. (July 5, 2013) – Renown Health is excited to welcome 100 new
employees, including 71 local registered nurse (RN) graduates, several
experienced RNs, and 20 more employees in front-line patient care and other
roles. The new hires will meet for their first day of orientation at Renown
Regional Medical Center on Monday, July 8.

“We are pleased that so many of the area’s graduates choose Renown as the
place to build their career. Renown nurses and other healthcare
professionals have a tremendous opportunity to develop skills in multiple
areas. The Renown Health network includes three acute care hospitals, a
rehabilitation hospital, a skilled nursing facility and a large physician
practice,” said Michelle Sanchez-Bickley, Vice President Human Resources.
“With the wide range of clinical services we offer at Renown, employees have
a wealth of options to explore.”

As a private employer, Renown has developed programs to train healthcare
professionals and works closely with the university and community colleges
to offer residencies, clinical rotations, mentoring programs and local
faculty. The newly graduated RNs will participate in Renown’s nurse training
programs, which provide clinical support, education and mentoring. According
to Sanchez-Bickley, “Our residency and preceptorship programs are extremely
beneficial for new nurses they transition from the classroom to the
bedside.”

Renown is the region’s largest private employer and according to a recent
report from the Center for Regional Studies at University of Nevada, Reno,
the healthcare sector is a chief driver of western Nevada job growth. In
fact, healthcare employment grew by 9.6 percent over the past five years
while other sectors experienced a decline in jobs.

“We are committed to hiring, developing and retaining local employees,” said
Sanchez-Bickley. “To have a recruitment class of this size is very exciting
for Renown, and I hope for the new employees as well.” In total, Renown
employs 5,200 people and more than 1,400 of those are RNs.

Renown is a strong supporter of regional nursing programs, partnering with
the University of Nevada, Reno Orvis School of Nursing, Truckee Meadows
Community College, Western Nevada College and Carrington College. “Through
these partnerships,” said Sanchez-Bickley, “we are able to strengthen our
community ties, helping to provide education and support to individuals who
are looking to enter into the healthcare industry.”

# # # #

About Renown Health
Renown Health is Reno’s only locally owned, not–for–profit integrated
healthcare network. As the region’s largest private employer with a
workforce of more than 5,000 members, Renown provides more services than all
other local healthcare networks combined. It is comprised of three acute
care hospitals, a rehabilitation hospital, a skilled nursing facility, the
largest medical group and urgent care network and the region’s largest and
only locally owned not-for-profit insurance company, Hometown Health. Renown
also carries a long tradition of being the first in the region to
successfully perform the most advanced procedures.

Renown Regional Medical Center and Renown South Meadows Medical Center
recently achieved the Pathway to Excellence® designation, becoming the first
and only hospital in Nevada to receive this designation by the American
Nurses Credentialing Center. As a Pathway to Excellence designated
organization, Renown is committed to nurses’ satisfaction.

Life Insurance Planning for Senior Citizens by Natalie Aranda

May 31, 2013 by · Leave a Comment
Filed under: Articles 

Life Insurance has sometimes been described as a bet between you and the Insurance Company. The Insurance Company is betting that you are going to live and you are betting that you are going to die. If you do die, you win the bet. This approach has been the basis of life Insurance policies in the past. Despite the fact that it would seem this does not much benefit an individual, the truth was that the Life Insurance payout was designed to provide for those that you left behind.

Changes in health care and the increasing life span have brought some changes to this concept. The desire for senior citizens to spend their retirement in an active adult community where they can enjoy their golden years to the maximum has prompted many to take a fresh approach to the use of the cash value of life insurance. It has also influenced the type of policies that have become popular. When a payout upon death was the main purpose of an insurance policy, the only thing that mattered was the amount of the death benefit.

Today, people in increasing numbers are opting to not spend their last years in their homes. An Arizona active adult community that is located in an area without a harsh winter seems much more attractive. A Florida active adult community situated close to the ocean would be preferably to long cold winters. This is the new dream of senior citizens, but in many cases the funds needed to make this dream come true are not available at the time of retirement. It has become possible to redeem the cash value of an insurance policy prior to death through an annuity settlement. The basic idea is the seller of the annuity provides a cash settlement to you at retirement. In return, they basically become the new beneficiary of your policy.

The annuity settlement changes the conditions of the bet. Now, you are betting that you are going to live, and the new beneficiary of your policy is betting you will die. If you live, you win. Many senior citizens are seeing this as a better idea. It takes some careful planning, and each case must be considered individually. The debt situation and the situation of a spouse and of children must be taken into consideration. The increased popularity of Individual Retirement Accounts has lessened the need for a large death payout to some degree. The best time to plan for your life insurance needs as a senior citizen is long before you ever become one. Sadly, this is not always done until too late. In this case, the options can be considered. It is not a time to be rash and seeking the advice of a trusted Insurance agent or financial advisor is highly recommended. If you plan on spending your last years enjoying a California active adult community, start that planning as early as possible.

Natalie Aranda writes about finance. Today, people in increasing numbers are opting to not spend their last years in their homes. An Arizona active adult community that is located in an area without a harsh winter seems much more attractive. A Florida active adult community situated close to the ocean would be preferably to long cold winters. This is the new dream of senior citizens, but in many cases the funds needed to make this dream come true are not available at the time of retirement.

Article Source: http://EzineArticles.com/?expert=Natalie_Aranda

Health Insurance For Senior Citizens – Why Are They So Hard To Insure? by Zandra Jones

May 17, 2013 by · Leave a Comment
Filed under: Articles 

Private health insurance for senior citizens is very hard to come by. As you get older, it becomes more prevalent that commercial insurance companies don’t want to cover older Americans. Since the creation of Medicare, there is no incentive to cover senior citizens because most buy into the Medicare system any way. Even though this may be true, there are still some older Americans who need to buy private health insurance. So let’s take a look at some of the main reasons why getting insurance for them can be difficult.

Your Age Is a Dominant Factor.

There are a number of reasons why senior citizens can’t get health coverage. For starters, a lot of health insurance companies look at your age. When people start getting over the age of 50, they are prone to have more illnesses, they see the doctor more often, and they might have more hospital stays. So the risks of insuring an older person far outweigh the benefits. We all age so why is this such an important factor?

The Cost Of Insuring An Older Person Is High.

Due to the fact that the elderly are prone to so many conditions and will need so much care, there are many companies who consider them to be a big risk. The average hospital stay of a person over the age of 50 is longer than some one in their 20’s and 30’s. Younger people heal and recover a lot quicker then older adults so their cost per treatment is less. Insurance companies know approximately how much they have to pay out for each age group and take all these things into consideration when pricing policies.

Pre-Existing Conditions are Not Insurable.

If you have a pre-existing condition like diabetes or high blood pressure, it is most of the time not insurable. May be with the new health care reform this will change. However, what does a pre-existing condition tell an insurance company? It tells them that you may not do a good job in taking care of yourself or you have bad eating habits. So why insure someone who could have possibly prevented such conditions by not drinking, not smoking, and not overeating. This may not be fair but insurance companies are in the business of making money for their investors.

Affordability May Be A Problem.

The last thing that you will find is that many times, senior citizens can’t afford the insurance. Even if they find a company willing to insure them, many are retired and are on a limited income. The cost of premiums alone can eat up any retirement check or pension income. Many have to choose between insurance or keeping a roof over their heads.

Getting health insurance for senior citizens is still a big problem for many. Many have never paid into the social security system and are not eligible for medicare and private insurance is way too expensive. Hopefully, the new health care reform will address many of these issues otherwise what options do these seniors have.

Getting good Health Insurance Information to stay update with the ever changing laws can be difficult. Visit www.healthbenefitstoday.com to get all the fact before you make a decision to purchase health insurance.

Article Source: http://EzineArticles.com/?expert=Zandra_Jones

Senior Citizen Health Insurance – How to Make it Affordable? by Reina Raine

April 26, 2013 by · Leave a Comment
Filed under: Articles 

Senior citizen health insurance becomes a necessity as Medicare alone might  be insufficient unless you have a good savings plan or 401K during working  years. Retirement is a time when you get away from the daily grind and do things  that you love to do. However, when you consider the cost of a senior citizen  health insurance plan and added medications versus the fixed income of the  retirees, the picture looks quite bleak. Why is senior citizen health insurance  so expensive to secure? Is there anything that can be done to help the situation?

Getting an insurance policy is paying against a calculated risk. People get  hurt or sick, and the insurance company takes this risk into consideration when  calculating the premium. The greater the risks, the higher the premium.

With increasing age, people are more susceptible to illness and injury.  Illnesses such as hypertension and diabetes require long term care and  medication, hence increasing the overall cost. Age is seen as a high risk factor  to the profitability of the insurance company. This results in the premiums for  senior citizen health insurance being higher.

However, there are some ways to help you prepare for this. When setting up  your 401K savings plan, make sure that you take into consideration both the cost  of living after retirement and the cost of health care. Include the projected  costs for the premium payments for the senior citizen health insurance.

Sign up for the plan prior to retirement as the plan will be less expensive  if you are younger at the beginning of the policy. Check the details to verify  that the plan covers everything that you want and is compatible with Medicare.  Your chosen plan should be supplemental to government provisions and is not  intended to replace them. Always read the policy carefully before signing the  acceptance of the policy.

While this may seem like an extreme expense, the additional coverage provided  by these policies is worth paying for considering the kind of expenses that  might be incurred.

When purchasing the senior citizen health insurance cover, shop around to get  the best possible rates and coverage for your needs.

To learn much more on other aspects of health insurance  [http://healthinsuranceconsiderations.com/] visit  healthinsuranceconsiderations.com where you will find information on how to find  affordable health insurance [http://healthinsuranceconsiderations.com/] and how  to ensure you get best value for your money.

Article Source: http://EzineArticles.com/?expert=Reina_Raine

 

Senior Citizen Insurance by Jerry Fatjo

April 24, 2013 by · Leave a Comment
Filed under: Articles 

Senior citizen insurance is used by people who are 65 years old or above. The  reason why this is a separate category of insurance is because senior citizens  tend to have more health related troubles, compared to younger people.

Therefore it is important for a senior citizen to find the right type of  insurance. They need to find insurance that is both affordable and offers good  coverage for their specific needs. Seniors do need insurance for the simple  reason that Medicare only provides partial coverage. The thing to do here is to  find out exactly what medicare covers and then have secondary insurance to cover  other expenses.

An example would be, Medicare part A will cover some of their inpatient care,  nursing home care and some health care. Medicare part B covers some types of  their outpatient hospital care, medical equipment and occupational therapy.

However, medicare of any type will usually not cover annual physicals. In  order to get this the patient may have to get the senior health insurance. This  is why it is important to check with your broker and see what exactly is covered  by medicare before getting insurance.

With the use of the internet it is easy nowadays to find an insurance company  that gives affordable rates. Although before getting your senior citizen  insurance coverage, it is always better to talk to an agent before signing  anything. Senior citizens can also qualify for some life insurance plans. There  is a common misconception that seniors do not have anybody directly dependent on  them, therefore they do not need life insurance policies.

This is simply not true in all cases and should be discussed with your  insurance agent or broker. The idea behind life insurance is to give financial  protection for family members. This way they are not left to pay for the funeral  and any unsettled debt that is left behind.

When it comes to the unfortunate situation, such as a loved one’s demise, you  will want to be sure everything or everyone is taken care of. This is especially  true if the person leaves behind a spouse and, or children. The surviving wife  or husband will have many expenses such as rent and health insurance. In this  case a life insurance policy will be of great help for the surviving family  member or members to take care of the daily, weekly, or even monthly living  expenses.

For more information on insurance for seniors check out  [http://www.senior-citizen-insurance-online.com/]

Article Source: http://EzineArticles.com/?expert=Jerry_Fatjo

 

  • Senior Industry Network Group Events

    Monthly SING Meetings are held the first Thursday of every month at our NEW location below:

    Desert Canyon - HealthSouth
    9175 W. Oquendo Rd.
    Las Vegas, NV 89148

    S.I.N.G. Agenda:
    - Coffee and bagels will be served
    - A time to show gratitude by thanking those who have sent you referrals
    - Announcements around the room
    - One minute commercials
    - Open Discussion on topics of Self Empowerment

    * When? The 1st Thursday of every month. Networking starts at: 8:00am | Meeting starts at: 8:30am

    * How Much? It’s free!