Blog: The Senior's Advocate

Attention BCBS Legacy Plan Owners!!

If you have been notified by BCBS that you will be subject to a rate increase, it is important to understand that YOU DO HAVE OPTIONS!! Most folks who are between the ages of 65 and 85 can acquire a Medicare Supplement policy from a different carrier at a lesser monthly cost than the new rate they will be charged, and in many cases increase their...

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The Five Best Tips for Navigating Safely Through Retirement

From Our CEO and Top Financial Planner Chris Alberta 1.  Trust your gut instinct.  Salespeople have a way of creating anxiety when none exists in search of a commission.  Never be afraid to sit on the sidelines for a bit with your retirement dollars…nobody ever looks back after a market crisis and regrets being...

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Stop Wasting Time & Money Using a Captive Insurance Agent

Buying insurance can be such a hassle to do because it’s an industry associated with lies and fabrication, rather than honesty and ethics. Typically a “captive” agent is worried about earning their next free vacation to the Bahamas, not about what’s best for the client. That’s why it’s very important when...

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Insurance Terms 'Exchange' and 'Non-Captive' Explained

Since the enactment of the Affordable Care Act (Obamacare) many terms have surfaced to the public that weren't commonly heard prior. Words like "exchange" and "non-captive" are insurance terms that have been around for a long time. They aren't anything new and in fact they are widely known terms in the insurance industry. The reason why they are...

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