Author: John

I am a CFP® Professional and have an MBA. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. Contact me if you have any questions. There is no risk! If I can't help you, you've learned a little more, and we'll part as friends. Seriously! Can your current agent say this? View my linked-in profile here: www.linkedin.com/in/johnbarnescfp

Best Disability Insurance For Real Estate Agents And Realtors [Know Your Options And Protect Your Livelihood]

Updated: April 12, 2024 at 9:40 am

Real estate agent holding sold sign isolated on white background.Real estate agents and realtors usually aren’t thinking about disability insurance, right?

I mean, you’re busy! You are on the go all the time. Open houses, client meetings, touring homes and properties, researching neighborhoods, on the phone, and the best of all… closings!  Your mental and physical ability to tour properties, represent clients, and show homes are vital to your livelihood.

What if you could no longer do that job? Have you ever thought what would happen if you became sick, ill, injured, and disabled? How would bills be paid if you could not work? The lifestyle you worked so hard for and your future plans could quickly be affected. In this article, we discuss disability insurance and the best disability insurance for real estate agents and realtors. Continue reading Best Disability Insurance For Real Estate Agents And Realtors [Know Your Options And Protect Your Livelihood]

GTL Advantage Plus

Updated: April 12, 2024 at 9:40 am

GTL Advantage Plus We previously wrote about GTL Advantage Plus, a type of hospital indemnity insurance, back in 2017.

At the time of writing, we were not contracted with them. We wrote an independent review of their hospital indemnity insurance – GTL Advantage Plus.

We are now contracted with them. It is now our policy to not write reviews, independent or not, about certain carriers and follow advertising guidelines.

If you would like to learn more about hospital indemnity products, please reach out to us. You can contact us or use the form below.

If you’d like to learn more about how hospital indemnity insurance works, feel free to review the following articles.

Is hospital indemnity worth the cost? 

Overview of Gap/Hospital Indemnity Insurance

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How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

Updated: April 12, 2024 at 9:40 am

Doctor comforting patient.Ask any Medicare beneficiary about observation status, and you’ll likely receive a four-letter word response.

Medicare observation status can be sticker shock. It’s on the one hand mirage, on the other a kick in the gut.

Here’s how it works. You are sick, laying in a hospital bed. Doctors and nurses are checking on you regularly. You figure since you are in a hospital bed, you are “in the hospital” or inpatient care status. Your Medicare plan says that hospitals cover inpatient care on a co-pay basis. In your case, that is $350 per day for the first 4 days and then $0 thereafter. To your surprise, however, you find out you are under “observation care” (also known as Medicare observation status).

Continue reading How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

Life Insurance Options For Undocumented Immigrants [Yes, You Can Obtain It & Easily, Affordably, Too!]

Updated: April 12, 2024 at 9:40 am

life insurance for undocumented immigrantsIf you are an undocumented immigrant (i.e. considered illegal) living here in the United States, you may wonder about the future. You love your family. You may worry if something happened to you, what could happen to them? Thankfully, you don’t have to worry about life insurance. Undocumented immigrants can obtain life insurance here in the United States.

Continue reading Life Insurance Options For Undocumented Immigrants [Yes, You Can Obtain It & Easily, Affordably, Too!]