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Call today for quotes on health insurance for
Medicare beneficiaries
or any other type of health or life insurance!

Newsletter

Life Newsletter - April 2025

IN THIS ISSUE...

  • WHAT IS BUSINESS INSURANCE AND HOW DOES IT WORK?


  • LIFE INSURANCE SPRING CLEANING: SIX STEPS TO REFRESH YOUR POLICY 


  • HOW WILL THE TRUMP PRESIDENCY AFFECT LIFE INSURANCE AND ANNUITIES?


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WHAT IS BUSINESS INSURANCE AND HOW DOES IT WORK?

Not only is Business insurance a crucial aspect of running a successful enterprise. It provides protection against potential risks and liabilities that businesses may face.


And the truth is that: 


Whether you're a small business owner or a CEO of a large corporation, understanding the question how does business insurance work? can help safeguard your assets and ensure the longevity of your business.


This article written by Simply Insurance which was originally published February 25 and updated on March 14, 2025, explains what business insurance is, what it covers, how it works, and why it's essential for any business; small or large.

LIFE INSURANCE SPRING CLEANING: SIX STEPS TO REFRESH YOUR POLICY 

The following blog appeared in the Pinney Insurance blog on March 17.


Spring is the perfect time to refresh your home, wardrobe, and even your life insurance coverage. Just like cleaning out your garage or reorganizing your closet, reviewing your life insurance annually ensures your policy continues to meet your family’s evolving needs. Here are six easy steps to keep your life insurance policy fresh and effective this spring:


1. Review Your Beneficiaries


Life changes fast, and your beneficiary information may quickly become outdated. Take a moment to ensure your policy lists the right people, reflecting any recent family events like marriages, births, or divorces.


2. Evaluate Your Coverage Amount


Has your income changed significantly, or have you acquired new financial responsibilities? Perhaps you bought a new home, welcomed a child, or changed jobs. Your coverage should match your current financial situation and obligations.

 

3. Check Policy Expiration Dates


Term life policies expire, and you don’t want to be caught unprepared. Confirm the duration remaining on your term policy or consider converting it to permanent coverage if your needs have changed.


4. Update Your Personal Information


Make sure your insurer has your latest contact information, including your current mailing address, phone numbers, and email. Staying up-to-date helps prevent complications or delays in policy communications.


5. Explore Cost Savings Opportunities


Have you quit smoking, improved your health, or made other positive lifestyle changes? You might qualify for lower premiums. It’s worthwhile to discuss your options with your insurance agent.


6. Consult with a Trusted Advisor


Spring is a perfect time to chat with your insurance advisor. They can help you understand whether your existing policy still fits your long-term financial goals, suggest beneficial adjustments, or help identify new options that better meet your current situation.


Spring is all about fresh starts and new beginnings—why not give your life insurance a fresh look, too? 

HOW WILL THE TRUMP PRESIDENCY AFFECT LIFE INSURANCE AND ANNUITIES?

While President trump has issued a flurry of executive orders impacting health insurance, we’re aware of no major initiatives directly affecting life insurance or annuities. This article, written by. Allison Bell for Think Advisor shortly after the election mentions five ways the Trump Presidency may affect life insurance and annuities. This article written by Brian O’Connell and published by annuity.org on March 5 lists five ways the Trump administration will impact annuities.


About Paul Cholak

Paul has over forty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the life and health insurance needs of individuals and families of all ages. He also has considerable experience in selling life and health insurance to employer groups.

He guides you through the steps of getting insurance and is available to help you both BEFORE and AFTER you've made your purchase decision.
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Schedule For 2025
Affordable Care Act Enrollment

The Open Enrollment Period for Affordable Care Act plans ran between
November 1, 2024 and January 15, 2025
on the Federal Facilitated Marketplace (https://www.healthcare.gov)

To enroll for a plan in 2025 you must NOW have
a Qualifying Life Event to qualify.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.


2025 Annual Enrollment Period For Medicare Beneficiaries

The Annual Enrollment Period (AEP) for enrolling in plans effective January 1, 2025 has ended. The AEP runs from October 15 to December 7 annually.

Enrollment in a Medicare Advantage, Medicare Advantage Prescription Drug, or stand-alone Part D Drug plan can now occur ONLY if a Medicare beneficiary is eligible for another election period [e.g., the Individual/Individual Coverage Election Period (ICP or ICEP)] when first becoming eligible for Medicare; a Special Election Period (for those who experience qualifying life events like an involuntary termination of their existing plan, moving outside of the plan’s service area, losing or becoming entitled to Medicare or Extra Help, declaration of a weather related emergency, etc.), or the Open Enrollment Period. Except for individuals desiring to enroll in a Chronic Special Needs Plan, there are no health questions to qualify.

Medicare beneficiaries can enroll in a Medicare Supplement plan within 6 months of their Part A and B effective dates without answering health questions. Generally, individuals with Medicare Supplement plans can change plans at any time but in many cases will need to answer health questions to qualify. Individuals with Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period or Open Enrollment Periods but in most cases will have to answer health questions. There are special rules for individuals with “trial rights” or eligibility for guaranteed issue policies that don’t require answering health questions.

Call us at 561-734-3884 or 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

We offer association group health insurance plans

to those who can qualify and are looking for less expensive alternatives to Affordable Care Act plans.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis.

We offer short-term health insurance policies

for those who are looking for coverage for a maximum of four months.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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561-734-3884 or 877-734-3884
(TTY 711)