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783 Rio Del Mar Blvd, Suite 7, Aptos, CA, 95003

831-661-5697 Website

How To Convince A Loved One To Purchase Life Insurance

Life insurance provides financially for loved ones after you pass away. Not everyone understands the value of life insurance, though, and you may have parents, siblings or kids who need to buy a policy. Several tips help you convince your loved one to purchase this valuable coverage.

Share Peace of Mind

Your loved one may worry about how they’ll provide for the people who depend on them or cover medical expenses they incur as they age. Life insurance can replace their income, cover medical debts and take care of other concerns. Your loved one will gain peace of mind with this policy.

Provide for Children

Life insurance can provide financial resources for children, which is important if your loved one has kids. Their life insurance policy can pay for daily living, childcare and education expenses or leave a legacy for their surviving children.

Repay Debt

Many people take on a mortgage, student loan or credit card debt that may or may not be discharged upon death. Debt repayment can cripple the finances of survivors, but a life insurance benefit can repay debts and ease the financial burden survivors face.

Prepare for End of Life Expenses

People generally do not like to talk about planning their funeral, but it’s an expense that could burden survivors. Talk with your loved one about the cost of a funeral and the advantages of covering this expense with a life insurance policy.

Emphasize the Benefits of Buying Young

Because life insurance premiums are typically tied to a person’s age and health, encourage your loved one to purchase a policy while they’re young. They will save money. As a bonus, their whole life insurance policy will have more time to grow in value the longer they own it.

Offer Life Insurance as a Gift

Your loved one may not want to buy insurance because of the cost. Offer to pay the premiums as a gift. The policy will remain in your loved one’s name and is for their benefit, but they won’t have to pay for it.

Use what Motivates Them

Maybe your loved one has pre-paid their funeral, doesn’t have debt or children, and owns a group life insurance policy from work. Remind them that a private term or whole life insurance policy can provide additional resources for the people they love or causes that are important to them. They can also use their death benefit to support a favorite charity, university scholarship or social cause as they leave a legacy.

Life insurance is a valuable asset. Use these tips to convince your loved one to purchase this valuable coverage for their peace of mind.

Scurich Insurance Services 831-661-5697 Website

Why And How To Switch To Healthy Caffeine Alternatives

Coffee, tea, chocolate and energy drinks all contain caffeine. Unfortunately, the caffeine you consume each day affects your health in a negative way.

Change your habits and switch to caffeine alternatives as you get your energy boost and improve your health.

Benefits of Consuming Caffeine

Numerous studies show that you can gain several benefits when you consume caffeine regularly.

Decrease risk of developing diabetes
Enhance metabolism of glucose found in carbs
Reduce colon cancer risk
Boost antioxidants
Experience higher energy
Improve mood

Health and Life Benefits of Quitting or Reducing Caffeine

Although you may consume caffeine because you appreciate the benefits and alertness it provides, too much caffeine can cause dependency and dizziness, acid reflux and anxiety. You may even experience headaches, fatigue and irritability when you don’t get your caffeine fix. Additionally, caffeine can cause health and life challenges such as:

Increased release of stress hormones
Inability to regulate insulin
Increased risk of cardiovascular disease
Higher cholesterol levels
More digestive discomfort
Increase in calorie consumption, especially if you consume sugary caffeinated foods and drinks
Lower serotonin release
Disrupted sleep
Increased anxiety and depression
Imbalance in calcium, potassium and magnesium levels
Difficulty detoxing liver
Low birth weight and other problems in infants born to moms who consume caffeine

Healthy Caffeine Alternatives

You’ll improve your overall health when you reduce or cut caffeine from your diet. If you’re dependent on caffeine, consider making the switch gradually to these alternatives.

Rooibos tea - Gain an immune boost with this tasty hot or cold tea.

Teeccino and Cafix - Enjoy the familiar taste of coffee when you drink these two substitutes made from chicory, grain, figs and beetroot.

Ice Water - Jumpstart your metabolism, energy and focus as you fuel your body with ice water throughout the day.

B Vitamins - Gain mental clarity, energy and better sleep when you consume lean meats, nuts, seeds, and other foods that are high in B vitamins.

Apple - Open neural and muscle pathways while boosting your metabolism as you chew an apple.

Protein - Maintain energy, concentration and mood with a protein-packed meal or snack.

Ginkgo Biloba - Improve your focus, creativity and well-being when you consume this herbal extract as a tea or capsule.

Ginseng - Stimulate blood flow and reduce stress and depression with ginseng tea or capsules.

Stretch - Boost oxygen in your blood and spark alertness and focus when you stretch your body.

Cutting caffeine from your diet can improve your health and prolong your life. Talk to your doctor and health or life insurance provider for more tips as you switch to healthy caffeine alternatives and improve your overall health and well-being.

Scurich Insurance Services 831-661-5697 Website

Health Benefits Of Chiropractic Care

If your health insurance covers chiropractic care, take advantage of this benefit. It improves your health in numerous ways.

Aid Digestion

Signs of digestive system malfunction include inflammation, food sensitivities, nutritional deficits, irritable bowel syndrome, or constipation. A chiropractor can restore your digestive system balance and even prevent future digestive challenges, giving you relief and supporting your overall health.

Reduce Hypertension

High blood pressure affects every part of your body, including your circulatory, nervous, respiratory, skeletal, and reproductive systems. Regular chiropractic treatments can have the same effect as hypertension medications and play a role in reducing this health condition.

Boost Immunity

Protect your body from illness and disease when your chiropractor realigns your vertebrae. This action improves your central nervous system and equips your body to boost its immunity and defend itself.

Treat Age-Related Health Concerns

As you age, your alignment and musculoskeletal system change, and you may develop back and joint stiffness, arthritis or chronic pain. A chiropractic adjustment can improve your posture, expand your range of motion and relieve pain so that you can function properly and enjoy daily life again.

Avoid Surgery

Your doctor may recommend surgery to correct an injury or age-related condition. However, treatment from a chiropractor may fix the issue, allowing you to avoid expensive and time-consuming surgery.

Manage Stress

Your body may respond to stress by exhibiting tight muscles, headaches, insomnia and fatigue. Chiropractors can assess your body and provide adjustments that relieve the tension and stress you feel. Your body and mind will become more relaxed and calm.

Improve Mental Clarity

Physical pain can cause brain fog that affects your concentration, memory and focus. Relieve pain with help from a chiropractor, and experience better mental clarity and improved everyday function in all areas of life.

Decrease Depression

When you can no longer participate in daily life activities because of pain, you may experience depression. Partner with a chiropractor to reduce pain, and you also experience a decrease in depression and an improvement in your mental health.

Increase Physical Activity

Your body and mind stay healthy and strong when you exercise regularly. Unfortunately, you cannot exercise if your body is in pain, your core is weak or you struggle with balance or coordination. Receive chiropractic adjustments that relieve pain, strengthen your body and help you stay active.

Who Benefits from Chiropractic Care?

Whether you’re a growing child, active teen, career adult, or busy senior, you can remain healthy with regular chiropractic adjustments. A chiropractor will evaluate your individual needs and determine the best course of treatment for your body.

Achieve your best health when you use your insurance coverage to pay for chiropractic care. You’ll gain several important benefits that improve your life.

Scurich Insurance Services 831-661-5697 Website

How to Prepare Financially for Long-Term Care

One in four Americans over the age of 65 receives long-term care annually reports the U.S. Department of Commerce. You too could require care. Prepare your finances now for this possibility.

Know Your Options

Long-term care is defined as assistance performing daily living activities for longer than 90 days. Those daily living activities can range from household chores and paying bills to eating and bathing.

You can receive long-term care at home with an in-home aide, in an assisted living facility, at a nursing home or through hospice. Care can range from an hour a day to around-the-clock.

Calculate the Cost

The cost of long-term care can be expensive. Combined costs account for 10 percent of the total healthcare costs in the U.S. In fact, a private or semi-private nursing room room can cost over $6,000 per month while a one-bedroom assisted living apartment averages $3,200 per month.

You typically can’t pre-pay a facility for long-term care, but you can begin to calculate how much money you’ll need to save. With careful planning, you can accumulate adequate resources to cover the cost of your future care.

Create a Financial Plan

Now’s the time to begin planning financially for your long-term care. You can choose from a combination of several payment options.

The first option is a long-term care insurance policy. It allows you to choose the benefits and length of care you receive. The policy’s cost depends on your policy details and your age and health when you buy the policy.Your insurance agent will help you evaluate your specific circumstances as you choose the right long-term care insurance for your needs and budget.

Medicare and Medicaid are additional options that may cover some of your long-term care. Medicare is health insurance for elderly and disabled Americans, and it’s provided by the federal government. Medicaid provides care for low-income seniors, and each state determines its cost, services and eligibility.

You could also cash out your life insurance policy or retirement accounts as you pay for your long-term care.

Many consumers rely on private savings, too. They can supplement other options and allow you to afford the long-term care you need, want and deserve.

Start Planning Now

You can plan for long-term care any time, but it's better to start when you’re in your late 40s or early 50s. At this age, you’re healthy enough to qualify for long-term care insurance and have adequate financial resources to add long-term care into your overall retirement savings strategy.

Chances are high that you’ll eventually need some sort of long-term care. Understand your options and consider your preferences as you plan financially for the future.

Scurich Insurance Services 831-661-5697 Website