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Important Things To Know About Life Insurance

Important Things To Know About Life Insurance

September is Life Insurance Awareness month. Most Americans who do have life insurance, are not carrying enough, life insurance. Then, there is the rest of Americans (about 40%) who have no life insurance whatsoever.

According to research, the two most common reasons why an individual does not carry life insurance is because they have competing financial priorities, or they think they can’t afford it.

This is why every September, our agency helps spread awareness and educate our clients on the facts and importance of life insurance.

Here are some interesting and important things to know about Life Insurance:

  • The first ancient civilization to use life insurance was the Roman Empire. Burial clubs would go around and collect money from the poor to pay for their funerals.
  • Every U.S. Citizen is eligible for guaranteed issued life insurance, regardless of age, sex or medical condition.
  • Term life insurance can cost as little as the price of one cup of coffee, per week.
  • You’re never too old or too young to buy life insurance. In fact, the younger you buy, the better off you will be.
  • The goal of life insurance is to provide financial security for your family after you are gone.
  • The term of a life insurance policy can be for as long as you decide.
  • The beneficiary of a life insurance policy is the individual that relies on you for an income.
  • Men are more likely to pay more for life insurance than women due to health conditions, dangerous hobbies, and lack of seeking medical attention.
  • If you have a dependent relying on your life, you should have life insurance.
  • Young professionals are the largest buyers of life insurance.
  • The most common reason for retired individuals to buy life insurance is to pay for funeral costs.
  • Business owners have the option to name their business as a beneficiary on their life insurance policy.

Our life insurance specialists at C.H. Edwards, Inc., recommend that individuals carry eight times their annual salary in life insurance. If you do not already have life insurance or you would like to review your current life insurance policy, contact our office at
(516) 249-5200 and we will be happy to assist you.

Don’t wait another day. Make an investment in your families future by purchasing  life insurance today.

 

October is Down Syndrome Awareness Month

October is Down Syndrome Awareness Month

Down Syndrome Awareness (4)

What is Down Syndrome?

Down syndrome is a genetic condition that causes delays in physical and intellectual development. It occurs in one in every 691 live births. Individuals with Down syndrome have 47 chromosomes instead of the usual 46. It is the most frequently occurring chromosomal disorder. Down syndrome is not related to race, nationality, religion or socioeconomic status. The most important fact to know about individuals with Down syndrome is that they are more like others than they are different.

For families living with someone with Down Syndrome, every day is a chance to promote Down syndrome awareness. The calendar, however, provides us with one month during the year when we can really step up those efforts. IMG_0589

How can you promote Down Syndrome Awareness?

  • Distribute National Association for Down Syndrome (NADS) posters and bookmarks to area schools, libraries, or businesses (you can order them through the NADS office or the website: www.nads.org)
  • Provide your obstetrician or your family doctor with updates about how your child is doing and, if they are receptive, with family photos or information about Down syndrome
  • Donate books about Down syndrome to your local school or library
  • Talk to your child’s class
  • Arrange for a NADS speaker to give a presentation at your child’s school or at an organization in your community.
  • Contact local media about doing a human interest story about your family or about activities involving people with Down syndrome in your area.
  • Write a letter to your local paper

Prom portrait (2)Organize a special event during October to highlight the gifts of people with Down syndrome—a performance, or an art exhibit or a screening of a movie or video featuring characters with Down syndrome (you could also show the NADS video, Talents that Inspire)

DS awarenessOrganize a “Down Syndrome Awareness Day” at a local restaurant or community event.

The transition to adulthood can be a very difficult time for families living with a person with Down Syndrome. Planning for the future is a critical part of this transition. If you would like more information on estate planning for your family, give C.H. Edwards, Inc. a call at 516-249-5200 or visit our website at www.chedwards.net.

Written by: Denise Visco

5 Things To Know Before Your Next Mammogram!

5 Things To Know Before Your Next Mammogram!

The lifetime risk of a woman in the United States of getting breast cancer is one out of eight. Mammograms help detect cancer at its early stages with the use of full field digital imaging. Although going for an annual breast exam may seem helpful in detecting tumors, research has shown that the death rate of women suffering from breast cancer is nearly identical to those women who have received mammograms annually. Before walking into the doctor’s office for your next mammogram it is important to know these five facts:mammogram

Mammograms May Offer Less Benefit Than You Think –
Many women believe that a mammography reduces the risk of breast cancer deaths by at least half. In reality, mammography, at best, offers a reduction of 20 percent and prevents only one breast-cancer death per 1,000 women.

Mammography May Increase the Risk of Breast Cancer in Women with a BRCA 1/2 Mutation –
Women carrying the mutation BRCA ½ that are exposed to radiation (including mammograms) before the age of 30 are twice as likely to develop breast cancer, compared to women who do not have the mutation. Research has also found that the radiation-induced cancer was dose-responsive. Quite simply meaning the higher the dosage, the bigger the risk!

False Positives are Common (and Dangerous) –
The risk of having a false-positive test results is shockingly high. Having a false-positive can give women stress and anxiety and subject them to other unnecessary testing which can cause other risks on their own.

Mammograms May Not Work if You Have Dense Breasts –
50 percent of women have dense breast tissue, which makes reading mammograms harder to read. Dense breast tissue and cancer both appear white on an X-ray, making it hard for doctors to tell the difference.

There are Other Screening Options –
There are other screening options available. It’s your body and you have the right to utilize your options!

So now you know the facts! Consider these facts when you attend your next annual mammogram. Remember, it’s your body, take control and be aware!

C.H. Edwards, Inc. recognizes October as Breast Cancer Awareness month. Through our blog and other social media efforts, we strive to educate and bring awareness to all.

Written by: Amanda Haase

September is Life Insurance Awareness Month!

September is Life Insurance Awareness Month!

C.H. Edwards, Inc. recognizes September as Life Insurance Awareness Month! Of the 317 million individuals living in America, 95 million American adults remain without life insurance coverage.family_history

Life insurance is one of the most important insurance policies one can acquire. Life Insurance allows your loved ones to continue living a comfortable lifestyle after you pass. Is there anyone who depends on you financially and would be unable to continue their current lifestyle if you were to unexpectedly pass? Would your children be able to attend the college of their dreams if you were to be in a catastrophic accident? Life insurance provides individuals a level of guaranteed security.

Most Americans claim that life insurance is too expensive, and that is why they do not have it. Term life insurance policies allow individuals to obtain life insurance protection with a less expensive premium. This less expensive form of life insurance provides an individual with protection for an allotted period of time. That means you can choose to have a 10, 20 or 30 year life insurance policy so that your children can still go to their dream college if something tragic were to happen to you. In contrast, whole life insurance policies provide individuals with guarantee security for the duration of their life. These premiums are typically higher because they accumulate cash value as well.

If you do not have life insurance, there is no better time than now to get it! Where do you begin? Start by researching what type of plan would best suit the needs of your family. Our experienced agents at C.H. Edwards, Inc. are available to answer any questions you may have regarding life insurance.

Contact C.H. Edwards, Inc. for all of your insurance needs. You can rest assured knowing that your family is in the right hands as we have been providing our clients with unparalleled insurance services since 1925. Call us today at 516-249-5200 or visit our website at www.chedwards.net.

Written by: Denise Visco