On Life With Helen

Is "Uncovering" the TRUTH More Important than Building TRUST?

Tue, 06 May 2025 09:00:00 GMT

If you're struggling to close deals or feel your sales pitches are hitting nothing but air, this episode is a must-listen!

Today, I'm talking with the Sales Performance Expert Patrick Ryan. Patrick is the CEO and President of Eureka Performance Training, an author, keynote speaker, and expert in sales conversations. With over 40 years of sales experience, he discovered early in his career (selling cable television door to door on 100% commission) that effective communication was the key to success.

Listen to episode 66 of On Life With Helen to learn Patrick's method to produce lasting success in sales. He breaks down the psychology of trust-building, patterns to identify, anticipate, and react to buyers' behaviors, and how salespeople can increase their conversion rates. You'll also hear about the barrier between prospects and the salesperson, the importance of compiling and analyzing data, the Predictive Sales Index, and much more.

In This Episode, You Will Learn:

Patrick reveals an approach to sales that can transform how you see your selling process (3:10)
Why your subconscious mind could be sabotaging your sales (4:40)
Being understood is more important than being loved (11:00)
Patrick explains the psychology of trust-building (13:50)
Why paying attention to your data is crucial to increase sales (17:00)
Patrick talks about his Predictive Sales Index (26:20)

Connect with Patrick Ryan:

LinkedIn
Email: patrick@eurekaperformance.com
Eureka Performance Training
319 Elm Street, Roseville, CA 95678
Phone: 916-956-8928
Eureka Performance Training LinkedIn
Eureka Performance Training Instagram
Eureka Performance Training Facebook

Let's Connect!

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Succession Planning. Guaranteeing the Success of a Business That'll Outlive You, with Craig Gussin

Tue, 15 Apr 2025 09:00:00 GMT

Do you have everything in place in your business if — God forbid — you don't make it home tonight?

In today's episode, we are joined by one of Helen's mentors and a true giant in the insurance space, Craig Gussin. Craig is a seasoned health insurance agent based in San Diego and the co-founder of Retire with Renewals, a company created to help retiring agents plan their business transition and ensure their clients continue receiving care. He also helps media and consumers understand insurance through Auerbach & Gussin, where he serves as President and CEO.

Listen to episode 66 of On Life With Helen to learn how Craig helps agents to be ready for the unexpected, why every agent should be incorporated, and why he believes succession planning is way more than a handshake — it's a lifeline. You'll also hear about the real-world impact of staying connected through trusted associations, why Helen and Craig feel community service isn't just a value — it's the heartbeat of what they do, and much more.

In This Episode, You Will Learn:

Craig shares the story of how Retire with Renewals was born (6:30)
Why most agents and business owners delay succession planning — and why they shouldn't! (13:20)
You might find your successor in the most unexpected places (18:00)
Why our industry must attract and mentor young agents (21:40)
Working with agents that are "plugged" matters more than ever (25:50)

Connect with Craig Gussin:

LinkedIn
Retire with Renewals
Retire with Renewals LinkedIn
Email: craig@rwragency.com
Phone: (858) 658-0405
Auerbach & Gussin. Insurance and Financial Services

Let's Connect!

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Why Sell Your Life Insurance Policy

Tue, 01 Apr 2025 09:00:00 GMT

Most people don't expect to ever use, enjoy, or even see the money from their life insurance policy. As today's guest brilliantly pointed out, life insurances feel more like death insurance because their benefits are available only after the policyholder passes.

Today, you'll learn there's a way for policyholders to access their money while they're still alive.

In this episode, Rob Haynie explains how to sell your life insurance policies for cash through Life Insurance Settlements. With over 30 years in the life settlement industry, Rob is the Managing Director at Life Insurance Settlements, a recipient of LISA’s AHB Leadership Award, a podcaster, and a NAILBA ID20 Award honoree.

Listen to episode 65 of On Life With Helen and learn how to turn life insurance policies into cash that could solve many issues, turn lifelong dreams into a reality, and even avoid family disputes over inheritance. You'll also hear success stories from permanent and term policy settlements, why life insurance settlements are gaining awareness, whether or not you'll pay taxes after selling them, and much more.

In This Episode, You Will Learn:

What is a life insurance settlement? (2:10)
Who is eligible to sell their life insurance policy? (8:00)
Am I going to pay taxes on my life insurance settlement? (11:20)
Why not use your settlement for healthcare and take care of your aging? (12:30)
Your life insurance is a dormant asset (16:50)
How settlements can avoid family disputes (20:00)
Success stories of permanent and term policy settlements (23:10)

Connect with Rob Haynie:

Let's Connect!

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Implementation of Housing Wealth, with Mitchell Cooper

Tue, 11 Mar 2025 10:00:00 GMT

What if we start looking at a reverse mortgage as THE financial tool to get your "longevity insurance" without even thinking of depleting your assets?

In part two of our insightful conversation with Mitchell Cooper, we dive deeper into the financial mechanics and unknown benefits of using reverse mortgages as a retirement plan. Mitchell also contextualizes reverse mortgages' evolution and origins, which explain some of the most common misconceptions about them most retirees have, and highlights how reverse mortgages can provide financial flexibility without immediate repayment obligations.

Listen to episode 64 of On Life With Helen and learn how to set up a reverse mortgage that'll allow you to defer withdrawals and maximize available funds in later years. You'll also hear how to grow a financial cushion without affecting liquid assets, turning your reverse mortgage into your "longevity insurance," the role behavioral aspects play in the effective use of reverse mortgages, how financial planners can help clients navigate the complexities of reverse mortgages, and much more.

In This Episode, You Will Learn:

Mitchel shares a bit of historical context of reverse mortgages (2:30)
The true power of housing wealth (7:20)
How behavioral aspects affect a reverse mortgage's effectiveness (15:00)
What's the best time to start thinking about a reverse mortgage? (18:10)
Mitchell explains the most common misconceptions about reverse mortgages (22:00)

Connect with Mitchell Cooper

LinkedIn
Email: mcooper@mutualmortgage.com
Phone: 1-916-768-9150
Unlock Hidden Retirement Cash: Is Your House the Key? by Mitchell Cooper
Mutual of Omaha Mortgage

Let's Connect!

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Why Are Retires Ignoring the Best Asset They Have - Their Home

Tue, 25 Feb 2025 10:00:00 GMT

Most people think of reverse mortgages as a last-resource option, but what if your biggest asset could provide financial freedom without selling or downsizing?

In this episode, the first of a two-part series interview with Mitchell Cooper, we discuss reverse mortgages' potential to transform your retirement planning and unlock financial security. Mitchell is one of the 200 Certified Reverse Mortgage Professionals in the country, with almost a decade of experience helping retirees and educating homeowners on the hidden potential of their home equity.

Listen to episode 63 of On Life With Helen and learn everything you need to know about the often misinterpreted world of home equity in retirement planning. You'll also hear why most financial models ignore the massive role of housing in retirees' portfolios' wealth, the psychological barriers homeowners face when looking at their homes as assets, why waiting until late retirement to tap into home equity is a mistake, and much more.

In This Episode, You Will Learn:

Mitchell explains the problem of "getting into that conversation" too late (3:10)
All about housing wealth and retirement planning (6:00)
Mitchell talks about the emotional barriers when thinking of homes as an asset (9:10)
Why do some people see reverse mortgages as some sort of failure (13:30)
Reverse mortgages and family dynamics (17:30)

Connect with Mitchell Cooper

Let's Connect!

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Marketing That Moves the Needle: How the Right Agency Can Transform Your Business

Tue, 11 Feb 2025 10:00:00 GMT

For some business owners, thinking about their company's marketing feels a lot like stepping into a cluttered storage unit — they have no idea where to start, what to move first, or what will actually work.

In today's episode, Ann Bouchard unravels the secrets and benefits of crafting simple, honest, and solid marketing strategies. Ann is the Founder and President of Bouchard Communications Group, a full-service marketing agency with over three decades of experience crafting customized and integrated marketing solutions.

Listen to episode 62 of On Life With Helen and learn more about the evolving world of marketing, what outsourcing your business' marketing should look like, and how to define your brand's unique value. Ann also shares real-world examples of how strategic marketing can take your business to the next level, talks about the intersection between PR and marketing, AI, how non-profits can increase their influence through customized marketing campaigns, and much more.

In This Episode, You Will Learn:

Is your marketing agency working for you, or the other way around? (6:10)
What makes your business stand out? Apart from excellent customer service? (9:20)
Ann shares real-world examples of successful marketing campaigns (16:00)
Can non-profits can increase their impact through marketing? (18:50)
Can marketing agencies help if you or your business gets canceled? (21:20)
AI is your intern, not your partner (24:40)

Connect with Ann Bouchard:

Let's Connect!

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Things You Need to Know About Business Alternative Risk Insurance, with Roland Guillen

Tue, 28 Jan 2025 10:00:00 GMT

Do insurance costs leave you stressed and uncertain about your business's future? Do you have a strategy to manage employee benefits while ensuring a healthier workforce? Did you know there is a way to turn insurance expenses into a financial asset?

If any of these questions keep you up at night, you can't miss today's episode! We have the opportunity to chat with Roland Guillen, a seasoned insurance professional with over 15 years in the industry, who is currently the Director of Captive Growth Strategy at Bender Insurance Solutions.

Listen to episode 61 of On Life With Helen and discover new strategies to optimize coverage and reduce costs, from adapting to a changing market to exploring alternative risk solutions like captive insurance, and actionable insights for cost management and transparency. Roland also shares his thoughts on the role of AI in enhancing workplace safety, the importance for business owners to keep a student mentality, and much more.

In This Episode, You Will Learn:

Roland talks about current challenges in the insurance industry (5:40)
How to turn insurance expense into an asset (12:00)
What do you need to know as a business owner about what to expect in 2025 and 2026? (17:30)
Roland talks about the impact of AI in the insurance industry (20:10)

Connect with Roland:

Let's Connect!

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Current Funding Environment and What's Needed Now with Dan Marrujo

Tue, 14 Jan 2025 10:00:00 GMT

Can the CHIPS Act tackle the nationwide workforce shortage? Is $53 billion enough to jumpstart a "U.S. semiconductor renaissance"? Can America reshape the global semiconductor landscape? Can we end our reliance on overseas chip production?

These are some of the questions Dan Marrujo answers in this special take-two on the CHIPS Act Initiative. Whether you are a tech enthusiast, a job seeker, or a business owner, today's episode is your ticket to a deeper understanding of the massive shifts happening in the semiconductor industry.

Dan Marrujo is the President and Manager Director of Trusted Strategic Solutions, a Silicon Valley-based consulting firm. He is also the co-founder of the Trusted American Insurance Agency and the creator of The Marrujo Foundation, which supports research in astronomy and astrophysics.

Listen to episode 60 of On Life With Helen and dive deep into this transformative moment for the U.S. economy and technology landscape. Discover how the CHIPS Act is set to reshape America's workforce, address critical shortages, reduce our country's reliance on overseas production, generate educational opportunities, and much more.

In This Episode, You Will Learn:

About the education and career opportunities (4:40)
What are America's plans to "fix" workforce shortages (8:10)
Dan talks about future funding and the semiconductor industry's growth (14:20)
The impact of Tariffs on the semiconductor industry (16:10)
Dan's predictions (and wishes) for the following years (18:30)

Connect with Dan Marrujo:

Dan Marrujo in the media:

Let's Connect!

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Thinking About Selling Your Business! Here's What You Need to Know 3-5 Years Ahead of Time with Randy Hendershot

Tue, 31 Dec 2024 10:00:31 GMT

Do you know how to increase your business valuation and appeal to potential buyers?

In this episode, we explore succession planning for business owners guided by the expert business broker, Randy Hendershot. Randy is the Founder and CEO of Evolution Advisors, a company specializing in helping entrepreneurs sell or buy businesses, get an accurate valuation of their company, and create a smooth exit strategy.

Listen to episode 59 of On Life With Helen and get valuable insights on preparing your business for sale, identifying risks, and understanding valuation methods. You'll get Randy's actionable advice on building a transition team and planning to maximize profits and minimize stress. If you are thinking about selling your business or want to learn how to plan for it, you can't miss today's episode!

In This Episode, You Will Learn:

A bit about Randy's background and entrepreneurial journey (1:50)
Why early planning is crucial when thinking of selling your business (3:40)
Randy explains the evaluation and valuation process of selling a business (5:30)
What are the key drivers of business value (7:00)
Randy shares success stories and challenges he had throughout his career (18:10)
How long does it take to sell a business (24:00)

Connect with Randy Hendershot:

Let's Connect!

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Capture Leads While Swapping Wasteful Swag, with Marcie Shelton

Tue, 17 Dec 2024 10:00:04 GMT

Do you remember what you did with the flyers you went home with after the last conference or entrepreneurial event you attended? Maybe this statistic will refresh your memory: 66% of promotional items are thrown away.

In this episode, Marcie Shelton joins us to talk about an eco-friendly, impactful, and efficient marketing solution, Give2Lead. Marcie is a Leadership and Strategic HR Consultant, with a knack for sustainability and community, and the Founder of Give2Lead.

Listen to episode 58 of On Life With Helen and learn more about Marcie's innovative platform that transformed traditional event swag for non-profit donations, while creating meaningful connections between businesses, their owners, and the communities they belong to. You'll learn how Give2Lead works, why it is ideal for building deeper connections with customers, and why it is the ideal alternative to traditional giveaways.

In This Episode, You Will Learn:

What is Give2Lead (4:50)
Marcie explains the importance of quality interactions over quantity of interactions in events (7:20)
How Give2Lead can help new businesses promote themselves and grow (14:00)
About Give2Lead's environmental and community impact (20:30)

Connect with Marcie:

LinkedIn
Email: Marcie@give2lead.com
Phone: 916-755-2402
Give2Lead website
Give2Lead LinkedIn

Let's Connect!

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Defense Microelectronics: Powering Technology for a Safer World, with Dan Marrujo

Tue, 03 Dec 2024 10:00:44 GMT

Do you know anything about microelectronics? Tune in and discover why something so small produced so far from America can affect national security, military defenses, and daily life.

In this episode, Dan Marrujo joins us to unravel the pivotal role of microelectronics and AI in defense and daily technology. Dan is the Founder of Trusted Strategic Solutions and former Chief Strategist at the Defense Microelectronics Activity (DMEA). He has over a decade of experience in national security technology, specializing in microelectronics strategy, supply chain resilience, and innovation.

Listen to episode 57 of On Life With Helen and join Hellen and Dan as they discuss the transformative impact of microelectronics and AI in our daily lives and global industries. You'll also hear about dual-use technologies, why the CHIPS Act has a crucial role in America's future, the lessons learned from the supply chain disruptions in the last three to four years, how AI can help reduce food waste and improve sustainability, and much more.

In This Episode, You Will Learn:

What are defense microelectronics, and why are they so important (2:20)
About American's government role in microelectronics development (7:00)
Why the last couple of years had a massive impact on the supply chain of microelectronics (9:10)
Why America should be working on becoming a world leader in microelectronics manufacturing and distribution (14:20)
How AI and microelectronics are shaping our future (19:40)
Why embracing new technologies is the smartest thing to do (23:50)

Connect with Dan Marrujo:

Dan Marrujo in the media:

Let's Connect!

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Building Bridges To Workplace Harmony. Geoff Hash's Expert Advice on Mediation for Entrepreneurs

Tue, 19 Nov 2024 10:00:08 GMT

As a business owner and leader, how prepared are you to de-escalate conflicts and mediate during disagreements in the workplace?

In this episode, we learn about the art of addressing polarization and promoting team harmony in the workplace from the brilliant Geoff Hash. Geoff is an experienced employment lawyer and workplace mediator with over 20 years of experience defusing conflicts in professional environments. Relying on open dialogue and trust among team members, he develops creative solutions to complex work-related challenges.

Listen to episode 56 of On Life With Helen and learn how to recognize the need for mediation, create neutrality in conflict resolution, and address underlying personal traumas as the reason behind conflict manifestation in the workplace. Geoff also shares his thoughts on navigating workplace tension due to polarizing issues, the stigma on mental health and therapy that stands in the way of the importance of mental health awareness, how to communicate effectively, and much more.

In This Episode, You Will Learn:

A bit about Geoff's professional background (1:40)
Why Geoff is someone you want to have on speed dial (3:20)
How to establish trust and neutrality in mediation (5:20)
Navigating social and political disconnect in the workplace (6:50)
How traumatic experiences influence conflicts in the workplace (11:10)
How do generational conflicts affect succession planning in business? (19:00)
Why having no plan is planning to fail and how Geoff can help with this (23:20)

Connect with Geoff Hash:

Let's Connect!

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Securing Your Company's Future: Financial Planning for Business Owners with Melissa Yano

Tue, 05 Nov 2024 10:00:48 GMT

For how long would your business survive if you were forced to leave it unattended for a few months?

In this episode, Melissa Yano joins us to discuss financial planning for small and medium-sized business owners and sheds light on planning and securing businesses' financial future. Melissa is the President of Capital Wealth Planner and a seasoned financial planner and advisor with almost two decades of experience in the field. She combines her vast technical knowledge with her passion for supporting her client's financial goals and making them possible.

Listen to episode 55 of On Life With Helen and learn how to prepare your business for the unexpected, guarantee smoother transitions, and ensure things will keep flowing even if you have to stay away for a while. Melissa also details the devastating effects of messy or unplanned exits, explains why financial planning is so hard for most people, and debunks the myths about financial planning for businesses.

Plus, Melissa shares expert advice on crafting succession plans, the power of buy-sell agreements, strategies for balancing personal and business finances, and much more.

In This Episode, You Will Learn:

The differences between financial planning for business and personal financial planning (2:40)
Melissa talks about the most common challenges in financial planning for business (8:50)
Why insurance is crucial in financial planning (14:00)
Learning to identify (and ignore) market noise (18:50)
It's okay not to be a financial expert. Even if you are a business owner (25:10)

Connect with Melissa Yano:

Let's Connect!

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Medicare's New Rules. Understanding the 2025 ANOC Letter with Rosamaria Marrujo

Tue, 24 Sep 2024 09:00:59 GMT

Are you a Medicare beneficiary and haven't received the 2025 Annual Notice of Changes letter (ANOC) from your insurance provider?

Medicare's Annual Enrollment Period (AEP) is just weeks ahead. It goes from October 15th through December 7th, and the information shared in the ANOC letter is all you have to decide whether or not to switch to a different Medicare Advantage plan.

In this episode, Rosamaria Marrujo explains what you should pay attention to as soon as you put your hands in the ANOC letter. Rosamaria is an expert in Medicare, an advocate for beneficial legislative changes in Medicare, and the Founder and CEO of Trusted American Insurance Agency.

Listen to episode 53 of On Life With Helen and join Rosamaria and me as we break down everything you need to know about the 2025 ANOC letter, why it is crucial to read it carefully and keep it, the challenges posed by the new CMS guidelines, and the impact of the Inflation Reduction Act on the healthcare system. You'll also hear about the pitfalls you can avoid by working with knowledgeable agents, the impact of the maximum of $2000 for out-of-pocket prescriptions, and much more.

In This Episode, You Will Learn:

Why you should have the ANOC letters in your hands before October 15th (3:40)
Rosamaria explains why you shouldn't throw your ANOC letter (6:20)
How will the maximum $2000 out-of-pocket restrictions affect Medicare beneficiaries (13:00)
Rosamaria talks about new prescriptions and drug policies coming up (17:30)
About the upcoming changes in Medicare Supplements (23:00)

Connect with Rosamaria Marrujo:

Let's Connect!

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Maximize Your Social Security Benefits: Tips and Strategies from Expert David Brabender

Tue, 30 Jul 2024 09:00:43 GMT

Are you nearing Social Security age and feeling unsure about how to maximize your benefits? We've got you covered!

Since Social Security folks are not there to provide guidance on which option is best for you, consulting an expert is the best chance you have to make the right choice when claiming your benefits.

In this episode, David Brabender takes us through the complexity and potential pitfalls of navigating Social Security benefits without expert guidance. David is a local Independent Insurance Agent, the Founder of Atman Insurance Services, and the incoming President of CAHIP-Northern California, a local chapter of the National Association of Benefits and Insurance Professionals (NABIP). His philosophy is simple; try to leave the world a little better than he found it. His goal is to become a trusted advisor, to provide answers, options, and peace of mind.

Listen to episode 52 of On Life With Helen to learn everything about common mistakes like claiming benefits too early, survivor and non-working spouses' benefits, and the impact of working while claiming benefits. David also explains how divorced individuals can claim benefits based on their ex-spouse's earnings record, shares tools and resources for making informed decisions about the best time to claim benefits, explains the tax implications of Social Security benefits, and much more.

In This Episode, You Will Learn:

A bit about David's background and expertise (2:20)
What are the common mistakes in Social Security planning (3:30)
David talks about tools for Estimating Life Expectancy (5:20)
Survivor and non-working spouses' benefits (6:00)
What are the limitations on changing benefits choices (9:40)
Strategies for divorced individuals (11:20)
David explains the impact of working while claiming benefits (13:00)
Understanding Social Security and taxes (17:40)

Connect with David Brabender:

Let's Connect!

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How To Maximize Your Medicare Benefits in 2025: Expert Insights with Rosamaria Marrujo

Tue, 16 Jul 2024 09:00:55 GMT

Still unsure of how Medicare changes will affect your health coverage in 2025?

The new $2,000 out-of-pocket for prescription drugs, the changes in formularies, and changes in the coverage of weight loss drugs are some of the many modifications awaiting Medicare beneficiaries in 2025.

In this episode, we get all our doubts about the upcoming changes for Medicare's 2025 annual enrolment period answered by expert guest Rosamaria Marrujo. Rosamaria is the Founder and CEO of Trusted American Insurance Agency and an expert with over 20 years of experience in the Medicare market. She is also a mentor for brokers, an advocate for beneficial legislative changes in Medicare, and a sough-after speaker passionate about engaging with seniors and empowering them to make informed insurance decisions.

Listen to episode 51 of On Life With Helen and learn everything about the implications of the new $2,000 drug cap, the possible changes in carrier plans, and what will happen with zero to forty cents a month Premiums. Rosamaria also explains why working with a broker is essential to navigating the complexities of the upcoming changes in Medicare, supplemental drug plan clients' chances of getting help without moving to advantage plans, what should Extra Help beneficiaries expect in the future, and much more.

In This Episode, You Will Learn:

Rosamaria shares her thoughts on the upcoming $2,000 out-of-pocket limit for prescription drugs (3:20)
What are the changes we can expect in Premiums (6:30)
How will Medicare formularies change in 2025? (8:00)
What is the Prescription Payment Plan Program? (16:50)
Ancillary benefits for Supplement Plans (20:10)
Extra Help programs: Benefits and upcoming changes (22:30)

Connect with Rosamaria Marrujo:

Let's Connect!

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What's New in Medicare: Helen's Top Tips for Medicare Enrollment in 2025

Tue, 02 Jul 2024 09:00:50 GMT

Wondering what Medicare updates you need to be aware of for 2025?

In this episode, Helen goes through every major change in Medicare for the next year. From the $2,000 limit cap on out-of-pocket drug costs to changes in formularies, here is everything you must know to ensure you choose the right plan to stay on in 2025.

Listen to episode 50 of On Life With Helen and discover everything you need to know about the importance of getting professional assistance, the new Prescription Payment Plan Program, and why it is crucial to think about early engagement in the enrollment process. You'll also hear Helen's thoughts on the $2,000 limit on costs for drugs starting on January 1st, 2025, evaluating supplemental plans versus advantages plans during enrollment, and more.

In This Episode, You Will Learn:

Helen talks about the $2,000 limit on out-of-pocket costs for drugs (2:30)
What are the changes you can expect in monthly premium fees (3:10)
Why it is crucial to get professional assistance (4:30)
What is the Prescription Payment Plan Program (7:10)
Supplemental plans versus Advantage plans (8:20)

Resources:

Prescription Payment Plan Program

Let's Connect!

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Lauren Bayha: Two Years Later - Making More Than My Corporate Job!

Tue, 07 May 2024 09:00:47 GMT

Are you second-guessing yourself about starting your own business?

In today's episode, I am pleased to welcome Lauren Bayha back to the show. Almost two years after taking that leap of faith and starting her own insurance company, BenefitsBay Insurance Solutions, and taking over the Sacramento Association of Health Underwriters, Lauren joins us again to share her thoughts on the intricacies of entrepreneurship in the insurance industry.

Listen to episode 49 of On Life With Helen and learn more about Lauren's fascinating journey from apprehension to triumph in entrepreneurship. You'll get valuable insights, practical strategies, and inspiration to help navigate the challenges of becoming a solopreneur. Lauren also talks about the freedom she gained from running her own business and how she used it to create time for her hobbies and spend more quality time with family.

In This Episode, You Will Learn:

About Lauren's fears before starting BenefitsBay Insurance Solutions (2:30)
Networking for business growth (4:40)
Strategies for overcoming challenges and reconditioning our mindset (9:10)
The importance of balancing priorities when launching a business (12:30)
Lauren shares advice for aspiring entrepreneurs (19:20)

Connect with Lauren Bayha:

Let's Connect!

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Navigating VA and Medicare Advantage Plans for Veterans: Insights from Addison Beverly

Tue, 23 Apr 2024 09:00:49 GMT

Are you a veteran and feel unsure of how to navigate VA and Medicare Advantage plans effectively? What are the key considerations to have on top of mind when choosing between traditional VA benefits and Medicare plans?

Today, we are fortunate to have a true expert on this topic: Addison Beverly. He helps us understand the intersection of traditional VA benefits and Medicare Advantage plans for veterans and provides insights on how veterans can optimize their healthcare coverage. Addison is a Business Development Manager at Aetna Medicare Solutions, a CVS Health Company.

Listen to episode 48 of On Life With Helen to understand how veterans can optimize their healthcare coverage by leveraging VA benefits and Medicare Advantage plans. You'll learn about eligibility requirements for VA benefits, the challenges veterans face in accessing healthcare, the similarities and differences between VA and Medicare, the implications of falling behind in payments for VA, and more.

In This Episode, You Will Learn:

Addison explains eligibility requirements for VA benefits and compares them with MA entitlements (2:10)
The differences between VA benefits and MA eligibility (4:30)
How veterans are rated based on their disability (6:00)
The implications of outsourcing healthcare service for veterans (9:20)
Addison explains how MA plans tailored for veterans provide additional benefits (13:20)
Do veterans need a drug plan? (17:20)
Addison explains the implications of falling behind in payments for VA (22:40)

Connect with Addison Beverly:

LinkedIn
Phone: 916-217-1778
Email: beverlya@aetna.com

Let's Connect!

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Medi-Cal Application and the New Regulations Effective from January 1st, 2024, with Michael McCabe

Tue, 09 Apr 2024 09:00:32 GMT

Medi-Cal completely revamped its process as of January 1st, 2024! This means all the laws, regulations, codes, and everything else have changed.

Do you know how these changes affect your chances of getting accepted into Medi-Cal?

In today's episode, Michael McCabe joins us to explain every change Medi-Cal has created for this year, the bureaucracy behind its new applications and regulations, and how he can help you get approved for Medi-Cal. Michael has over 20 years of experience and a 100% success ratio in getting people accepted into Medi-Cal.

Listen to episode 47 of On Life With Helen to learn from the specialist what changed, how he can help you with the new paperwork, why a lot of applications are being rejected, what's wrong with the new system, and what's the best way to deal with it, and much more.

In This Episode, You Will Learn:

Why Medi-Cal is just like taxes (3:10)
What happens to most Medi-Cal applicants (6:00)
How Michael can help with Medi-Cal's mindnumbing paperwork (7:20)
Why many applications to Medi-Cal are rejected (11:00)

Connect with Michael McCabe:

Phone: 916-612-8800

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Long-Term Care & Alternative Solutions

Tue, 26 Mar 2024 10:00:49 GMT

How do you know you picked the long-term care that better adjusts to your reality?

In this episode, we discuss long-term care, insurance, alternative solutions, different ways to cover possible long-term care events, and how to educate the next generations on long-term care and their needs. From 100% self-insurance to accelerated benefit riders, standalone long-term care policies, and having children help pay, we explore every option under the sun, analyze their pros and cons, and help you figure out which one is the one that best suits your reality. Additionally, we explore one of our newest products, a Home Health Care Hours Purchase Plan, which allows you to buy buckets of hours so you can stay at home when you need care, with no age limits, the same rate for all ages, no claim forms, and no deductibles, among many other benefits you should consider exploring.

Tune in to episode 46 of On Life With Helen and make an informed decision when choosing your long-term care plan.

In This Episode, You Will Learn:

Why doing a bit of planning for long-term is always a good idea (2:40)
Is 100% self-insurance a one-size-fits-all solution? (3:10)
How long-term care riders plans can make your dollars multitask (5:00)
How can we educate future generations on long-term care (8:20)
What is a Home Health Care Hours Purchase Plan (10:50)
Helen shares valuable lessons she got from her three-month recovery journey (15:50)

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Medicare Post Enrollment Top Ten Tips. Reasons To Work with a Broker

Tue, 12 Mar 2024 10:00:31 GMT

Are you having trouble navigating the complexities of Medicare enrollment for your healthcare needs in 2024?

In today's episode, I discuss the intricacies of Medicare enrollment and why using a broker for your Medicare needs is crucial. You'll hear why individuals and business owners benefit from partnering with brokers, how they can assist you in evaluating costs and understanding IRMAA implications, and why seeking professional guidance in the post-open enrollment period is crucial. I also share my top ten tips to help you avoid mistakes on essential elements of Medicare enrollment, like payment methods, plan restrictions, prescription coverage, creating solid bonds with brokers, and more.

Tune in to episode 45 of On Life With Helen to discover how to navigate the ever-changing landscape of Medicare enrollment effectively.

In This Episode, You Will Learn:

Why is working with a broker always the best choice? (2:30)
Credit cards expire. Make sure you don't lose your coverage (4:10)
Mind what you say on the phone (7:00)
After making a decision, inform your broker (7:50)
The importance of using preferred pharmacies in drug plans (8:30)
Weight loss drugs and Medicare (12:10)
Bonus tip. Medicare and traveling outside of the US (13:40)

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Is Using Ethos To Get Life Insurance A Good Idea?

Tue, 14 Mar 2023 10:00:01 GMT

Does getting life insurance feels like a chore you've been dreading for longer than you can remember?

In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more.

Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insurance, and so much more.

In This Episode, You Will Learn:

Does going through a policy feels like a chore? (2:08)
Three signs you need life insurance today (3:04)
What makes Ethos so good at helping you get insurance (3:47)
Is life insurance affordable? (4:34)
When is term insurance the better option (7:08)
Why you should look at your policy periodically (13:11)

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Trevor Patching - What Keeps You Up At Night and More!

Tue, 07 Mar 2023 10:00:43 GMT

Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money.

In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only the highly compensated executives. We also learn how life insurance and business insurance can be used to incentivize young people and create completely aligned work environments, how to create an appealing bonus plan, and so much more.

Listen to episode 43 of On Life With Helen to learn why taking good care of your employees at every level is instrumental.

In This Episode, You Will Learn:

About companies' actual pressure points (2:47)
The issue of having solutions only for highly compensated employees (5:48)
How to create incentives appealing for 20, 30, and early 40-year-old employees (7:51)
Immediate and long-term gratification plans (13:18)
Can promoting someone that deserves it be a bad thing? (16:48)
Don't offer anything unless it is going to do the job (21:18)

Connect with Trevor:

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Disability Insurance And Income Protection with Dennis Carlson

Tue, 21 Feb 2023 10:00:15 GMT

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices.

In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more.

Listen to episode 42 of On Life With Helen to learn everything you need to know about income protection. Dennis explains the multiple advantages of group long-term disability policies for the employer, why people resist considering disability insurance, and much more.

In This Episode, You Will Learn:

A bit about Dennis and how he got into income protection (1:43)
Why is no one talking to their clients about income protection (7:09)
Three things everyone should know about income protection (8:38)
Why are most people unsure about disability insurance? (16:04)
The Job A / Job B exercise (17:21)
Where does Dennis see protection for business owners heading (24:47)

Connect with Dennis:

Website
LinkedIn
Email: dennis@carlsonwest.com

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

How To Maximize Reverse Mortgage Benefits with Mitchell Cooper

Tue, 14 Feb 2023 19:35:55 GMT

What are the main differences between traditional lines of credit and an FHA reverse mortgage?

In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit.

Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about.

In This Episode, You Will Learn:

The main difference between reverse mortgages and traditional lines of credit (1:56)
In reverse mortgages, the line of credit grows (4:55)
How can we make a growing line of credit work for us (6:47)

Connect with Mitchell Cooper

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

8 Myths About Reverse Mortgages with Mitchell Cooper

Tue, 07 Feb 2023 10:00:02 GMT

There are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages.

In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this first part of a two-part series, we go through 8 of the most popular myths on reverse mortgages.

Listen to this episode of On Life With Helen to learn how truthful the myths about reverse mortgages are.

In This Episode, You Will Learn:

Is it true that lenders own the homes they have a mortgage in (5:15)
Are funds received from a reverse mortgage taxed? (6:32)
How risky reverse mortgages are (7:27)
Can the borrower end up owing more than the home is worth? (9:21)
What happens if a borrower outlives their expectancy? (14:08)
Can a reverse mortgage impact your social security benefits? (17:29)

Connect with Mitchell Cooper

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

A Room With A View, Please with Renée Balcom

Tue, 31 Jan 2023 10:00:25 GMT

If you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults.

In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones in their final years.

Listen to episode 39 of On Life With Helen to learn from Renée how to avoid the predatory side of the adult care industry, what options exist to offer our loved ones the best care, and why it is crucial not to react during a crisis.

In This Episode, You Will Learn:

The things we like don't change after we age (2:34)
A bit about Renée's background and history in the healthcare industry (5:16)
The dark side of the adult care industry (9:13)
What is aging in place? (23:57)
The benefits of multigenerational environments (26:40)
What questions should you ask when hiring adult care (33:56)
Try not to act in crisis (46:15)

Connect with Renée:

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Choose To Be Brave Every Single Day

Mon, 26 Dec 2022 10:00:41 GMT

How many things did you do despite being scared this year?

In this episode, I'm talking about the fears conquered, the accomplishments, the chances of being brave I didn't waste in 2022, and my expectations and vision for 2023. As we get closer to the final sprint of the year, a year I used to clean my plate, mentally and physically, I take time to look back and give myself some grace for every box on my to-do list I checked. Today's show is also an invitation for you to do the same.

Listen to episode 38 of On Life With Helen and learn about what you can expect from this podcast in 2023 and my three main goals for next year. I also encourage you to plan what you want to achieve in your personal life and business and, most importantly, allocate time to relax and enjoy your achievements.

In This Episode, You Will Learn:

The universe rewards the brave (2:21)
You can find things to be brave daily (2:50)
It's time to congratulate yourself for being brave (5:01)
My gratitude for having Jackie Martinez in my life (10:59)
My three big goals for next year (14:52)

Resources mentioned:

Jack Canfield website

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Jen Livengood - Holiday Hacks for Health

Tue, 06 Dec 2022 10:00:23 GMT

The holiday season is usually a time for reflection, planning, and, quite often, feeling awful after overeating and experiencing food coma symptoms.

In this episode, the lovely Jen Livengood visits us again to share five hacks to take care of your health during the holidays that'll help you keep your mental and physical health on track. As an experienced registered dietitian and functional nutritionist, Jen brings answers to some of the most common doubts and difficulties we might find during the end of the year's celebrations.

Listen to episode 37 of On Life With Helen to learn how to deal with the little devils that sit on your shoulder and ask you to ignore what your body says and keep eating. Jen teaches us how to enjoy the holidays' whole experience, prepare to eat less and still indulge ourselves, limit sugar consumption, set achievable goals, and so much more.

In This Episode, You Will Learn:

A bit about Jen's expertise and how she helps people (2:03)
Savour the holidays spirit (3:02)
How eating before you eat helps you keep yourself in line (6:35)
Always start with the veggies first (8:34)
The importance of being aware of sugar consumption (13:08)
Why it is crucial to set achievable goals (18:03)

Resources Mentioned

Liven the Good Life website
Episode #33 - Jenn Livengood - Taking Your Health Into Your Own Hands

Connect with Jenn:

Instagram

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Trevor Patching - Employee Retention Part #3: How to Fund the Commitment

Tue, 22 Nov 2022 10:00:42 GMT

You already learned why retention is so important and how to implement the stickiest plans to make it happen in parts one and two. Now it's time to find out your options to fund that commitment.

In this episode, in the third and last part of this series on employee retention with Trevor Patching, you'll learn the best options to fund your retention plans and how to recognize the right approach based on your company's size and projection.

Listen to episode 36 of On Life With Helen and find out why most companies fund their retention plans with life insurance, how they manage to get back every dollar and some profit, and why you should consider having multiple policies as an asset. Trevor also explains why there is no one-size-fits-all solution for companies, the magical advantages of premium financing, the best moment to get premium financing, and much more.

In This Episode, You Will Learn:

Why is life insurance the preferred vehicle to fund retention plans for most companies (3:08)
How most life insurances work and why they are so helpful (4:48)
A bit about other funding strategies (11:12)
What is premium financing, and how it works (16:27)
There is no one-size-fits-all solution (22:09)

Connect with Trevor:

Website
Email: trevor@theatticusgrp.com
Phone: 561-523-3947

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Trevor Patching - Employee Retention Part #2: What's the Solution?

Tue, 15 Nov 2022 10:00:02 GMT

If a recession or any other external factor forced you to shrink your company by 30, 40%, or even half, who are the employees you should retain to keep the lights on?

This week, on the second episode of this three-part series on employee retention with Trevor Patching, we talk about the best ways to solve retention issues and put in place a plan sticky enough to make employees decide to stay with you.

Listen to episode 33 of On Life With Helen to learn about the questions you must ask yourself before figuring out a plan to keep your mission-critical employees around. Trevor goes through the key elements you should have in mind before creating a plan, which employees you should aim for, and how to turn their rewards more attractive. He also shares real-world examples of how some companies deal with their retention issues, explains how additional bonuses for retirement work, and much more.

In This Episode, You Will Learn:

Why should you focus on your mission-critical employees? (2:49)
How to deal with employees that are more valuable than others (5:55)
Bring the time horizon of the benefits closer (8:52)
When is the right time to start funding your future obligations? (13:01)
What is a Supplemental Executive Retirement Plan (SERP), and how it works (16:33)

Connect with Trevor:

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Trevor Patching - Employee Retention Part #1: Identifying the Need

Tue, 08 Nov 2022 10:00:23 GMT

The post-pandemic scenario brought a massive change in employee retention with it. The different career path options, the hybrid work models, and the starring relevance of mental health at work created a war for talent. Employees happily jump between jobs, and companies break their heads trying to figure out how to attract talent.

In this episode, I'm talking with Trevor Patching in the first of a three-parter series on employee retention. Trevor is the President of Asset Wealth Management. After a successful career in Asset-Based Lending, he now provides guaranteed risk-free programs, specializing in annuities, life insurance, and long-term care to protect retirees and business owners from the financial risk of outliving their assets or dying too young.

Listen to episode 34 of On Life With Helen to dip your toes into how to identify the need for employee retention out there and how it is equally affecting white and blue-collar business owners. Trevor explains what companies should think of to differentiate themselves and attract talent, what kind of talent they should focus their efforts on, and how employee retention affects skilled labor. Plus, we delve into the insurance agency, how business owners can benefit from it, and much more.

In This Episode, You Will Learn:

A bit about Trevor and his background (2:09)
What kind of employees are the ones we want to keep (4:48)
The end of the participation trophy era (7:44)
What is an insurance agency (12:17)
How does retention affect skilled labor workers (16:07)

Connect with Trevor:

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Jenn Livengood - Taking Your Health Into Your Own Hands

Tue, 01 Nov 2022 10:00:32 GMT

Whether it is for lack of time to prepare meals or seeking quick dopamine hits, we rely more and more on processed food, which not only lacks essential nutrients but also takes a toll on our health. Recent studies show that at least 88% of American adults have some kind of metabolic issue.

In this episode, we welcome Jenn Livengood, who invites us to look differently at what we put in our bodies. Jenn is a registered dietitian and functional nutritionist passionate about helping people incorporate healthy lifestyle habits with the sole purpose of assisting them to experience lasting changes and increased longevity. She loves running and being outdoors and is turning her 4 acres into a farm. He also uses part of her barn to offer aerial fitness and skills classes and homesteading workshops.

Listen to episode 33 of On Life With Helen to learn about the long-term issues of poor eating habits, the importance of dealing with root causes instead of symptoms when dealing with eating disorders, and what happens in our bodies when we overeat sugary carbs. Jenn also shares simple life hacks to deal with food cravings, explains why we feel hungry after eating certain foods, and much more.

In This Episode, You Will Learn:

A bit about Jenn and her background (3:04)
The essential role of motivation and goals to implement life-changing habits (6:10)
The tricky ways of diabetes to hide itself for years (10:02)
95 pounds of sugar per year in the average American diet (14:15)
Eat your food in the right order (24:46)
Choose savory over sweet (31:12)
Slow and steady wins the race (37:51)

Resources Mentioned

Liven the Good Life website
Book: Jesse Inchauspe - Glucose Revolution: The Life-Changing Power of Balancing Your Blood Sugar

Connect with Jenn:

Instagram

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Lisa Hutcherson - SUMMUS Global - Speed to Care In The Workplace

Tue, 18 Oct 2022 09:00:54 GMT

With virtual healthcare tools increasing, human connection and speed to care remains vitally important when it comes to the healthcare experience.

In this episode, I am joined by Lisa Hutcherson. She is a National Account Director at SUMMUS Global, a platform that empowers families through direct access to a virtual network of leading specialists across 48 leading hospitals. Lisa’s previous experience includes growing and developing teams across the US in financial services, retail and other dynamic sales organizations before her journey to working within the technology channel of employee benefits. She has spent the last 18 years at Aflac as an associate, DSC, RSC, BDC and Group Rep.

Listen to episode 32 of On Life With Helen to learn about how SUMMUS Global is changing the landscape of virtual health care for employees. Lisa talks about how SUMMUS is different from the other telehealth options, stories from her own personal healthcare experiences, what the different plan options are with SUMMUS, and how they are prioritizing speed to care.

In This Episode, You Will Learn:

About Lisa’s career background (2:15)
How SUMMUS sets themselves apart in the telehealth industry (6:14)
Lisa’s personal telehealth experience (16:43)
The plan options for SUMMUS (19:44)
How SUMMUS focuses on speed to care (25:00)
Ways that SUMMUS drives engagement (30:34)

Connect with Lisa

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

What’s to Come for Medicare in 2023 with Rosamaria Marrujo

Tue, 11 Oct 2022 09:00:38 GMT

What changes are being implemented in Medicare?

In this episode, I am talking with Rosamaria Marrujo. Rosamaria has been a true pioneer in the field of Medicare for over 20 years. Throughout her career, she has supported over 6,000 agents nationwide through her GA/FMO based out of California. Rosamaria Marrujo, of Trusted American Insurance Agency, is the current CAHU/CAHIP Medicare Chair, and local Northern California SAHU Chapter President. In addition to being a leader in the Medicare Industry, Rosamaria is also a sought after speaker and she has spoken at more than 200 Medicare-related conferences, 800 educational sessions, and 50 in-depth two-day seminars.

Listen to episode 31 of On Life With Helen to learn about the upcoming changes in Medicare for 2023. Rosamarie talks about why she decided to pursue a career in the insurance industry, upcoming changes for Medicare eligibility, what the options are for people with chronic diseases, updates that employers and employees need to know, and so much more.

In This Episode, You Will Learn:

How Rosamaria got into the insurance industry (3:34)
What’s coming up in 2023 for Medicare (7:00)
Upcoming changes in Medicare eligibility (10:39)
Big changes in Medicare for 2024 and 2025 (25:45)
Rosamaria’s recommendations for listeners (31:10)

Resources Mentioned

Medicare 2023- Premium – Deductible Update Link.

Connect with Rosamaria

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Let Go Of What Isn’t Serving You & Create Space For What Will!

Tue, 04 Oct 2022 10:00:52 GMT

Do you have a list of things that you have to do but they continue to pile up?

In this episode, I am talking about how I have made changes in my life throughout this year that have allowed me to make room for exciting changes. Back in January, I made a list of personal and professional things that I wanted to tackle. I went through and wrote down commitments that weren’t serving my goals anymore and personal items that I have been putting off. You will hear in the episode what the specific things were on this list, how I successfully tackled it, and what my recommendations are for you to do the same.

Listen to episode 30 of On Life With Helen to learn how I have let go of previous commitments, taken action towards my goals, and created room in my life for new projects that I am so excited to work on in this next chapter of life!

In This Episode, You Will Learn:

About the list I created back in January (1:59)
The list of things I had put on the back burner in January (2:57)
About the two new projects that I’m excited to work on (7:52)
My recommendations for how to approach the rest of the year (8:11)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Preventing “Tech Neck” & Taking Care of Your Body with Dr. Kent Hardenbrook

Tue, 20 Sep 2022 09:00:27 GMT

Do you spend most of your day sitting down, staring at technology? Adjusting your habits and incorporating more movement throughout your day is something that will make your body feel better and improve performance when you’re working.

In this episode, I am so excited to be joined by Dr. Kent Hardenbrook. He has been a practicing chiropractor for over 25 years and is passionate about teaching people to create new habits that will improve both their physical and mental health. Dr. Kent has worked with Ironman, USA soccer teams, and promotes Ergonomic education for tech workers. He talks about his background as a chiropractor, the negative health effects on our bodies from sitting and staring at a computer, what he recommends for people to make changes, what the benefits are of going to a chiropractor, and more.

Listen to episode 29 of On Life With Helen to learn from chiropractor, Dr. Kent Hardenbrook, about how you can take care of your body better when you’re sitting at a desk for the majority of the day!

In This Episode, You Will Learn:

About Dr. Kent’s background and chiropractic career (2:23)
Why we have to be conscious of our “tech neck” (7:08)
What Dr. Kent recommends for employers to help their employees (14:21)
The benefits of going to a chiropractor (18:28)
How Dr. Kent works with people with serious injuries (27:14)

Connect with Dr. Kent

Hardenbrook Chiropractic

10594 Combie Rd., Suite 2

Auburn, California 95602

Phone: (530) 268-2623

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Starting A Business: Networking, Challenges, & Culture with Samantha Siders

Tue, 13 Sep 2022 09:00:29 GMT

Have you been thinking about starting your own business? Taking the leap to become a business owner takes a lot of courage. However, you will find fulfillment through the ups and downs if you have a mission that is driving you.

In this episode, I am talking with Samantha Siders, the CEO and Trusted Benefits Partner at Siders Insurance Solutions. Samantha’s goal is to help people reach their full potential, whether it is her internal team or the clients that they serve. Her and her team at Siders Insurance Solutions work to help their clients reach their internal goals around culture, employee retention, and recruiting talent.

Listen to episode 28 of On Life With Helen to hear about Samantha’s experience starting her own business. She shares what led her to making the decision to go out on her own, the successes and challenges that she has faced since starting her business, why it can be a lonely process to start a business, what her goals are for the company, and so much more.

In This Episode, You Will Learn:

What led Samantha to owning her own business (2:15)
Networking tips from Samantha (5:55)
About the isolation that can come from starting a business (15:29)
The successes that Samantha has had since opening Siders Insurance Solutions (18:37)
The company culture that Samantha is creating (26:25)

Connect with Samantha

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

What Qualifies a Californian for Medi-Cal? with Michael McCabe

Tue, 23 Aug 2022 09:00:43 GMT

Are you a California resident? Medi-Cal is a gift that the State of California provides its residents so it’s valuable to take advantage of if you qualify for it.

In this eighteenth episode, I am re-releasing episode 18 in which I was joined by Michael McCabe to talk all about Medi-Cal. For the past twenty years, Michael’s job has been Medi-Cal planning, focusing on counseling people on the psychology and financing of a person facing long-term care needs. Through his work, Michael coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services).

Listen to this episode of On Life With Helen to learn from Michael if you qualify for Medi-Cal and how it can help you with. Michael shares how his career in Medi-Cal planning bgan, what he focuses on with his clients, common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more.

In This Episode, You Will Learn:

Michael journey to working in Medi-Cal planning (2:02)
How Michael helps his clients (8:50)
Common misconceptions about Medi-Cal (11:08)
Recommendations to avoid being in crisis mode (21:45)
The new Medi-Cal regulations (25:59)

Connect with Michael

Email
916-612-8800

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

What is a Mental Health 5150?

Tue, 16 Aug 2022 09:00:36 GMT

Our mental health is just as important as our physical health. It’s important to know the resources available for you so you can help yourself or those in your life who are struggling with their mental health.

In this twenty-sixth episode, I am re-releasing episode 10 to emphasize the importance of understanding what a Mental Health 5150 is. You will hear from Renee Balcom, a health advocate advisor, to discuss how and when a 5150 should be incorporated in a situation. If you are ever with someone who is mentally unstable and causing a safety concern for themselves or others, a Mental Health 5150 will be of great help. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her advice is for when you need to call for a 5150, her steps for working with clients, and more.

Tune in to this episode of On Life With Helen to learn what a 5150 is and when it would be appropriate to use!

In This Episode, You Will Learn:

Who Renee is (2:13)
What the 5150 is and the situations it is applied to (4:30)
Renee’s advice for calling on someone with mental health distress (12:14)
Renee’s steps when working with clients (14:37)
To look after those in your life (31:08)

Connect with Renee

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

How A Health Advocate Advisor Can Help: Part #2

Tue, 09 Aug 2022 09:00:35 GMT

Do you lack confidence when it comes to making decisions about your healthcare or a loved one's health? Working with a health advocate advisor will give you the peace of mind that you are looking for when it comes to navigating the healthcare system.

In this twenty-fifth episode, I am re-releasing Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee talked about how a health advocate advisor can help you make informed decisions when it comes to healthcare and how she helps her clients by creating a care plan. In Part 2, you will hear Renee talk about some of the case studies that she has worked on, the important pieces of information she wants every listener to know, how you can prepare now for the later chapters of life, and more. I am so excited for you to hear Renee’s expertise that she has learned from over a decade consulting and providing services to families looking for care solutions for their loved ones.

Tune in to this episode of On Life With Helen to hear Part 2 of the conversation with health advocate advisor Renee Balcom!

In This Episode, You Will Learn:

About some of the case studies Renee has worked on (1:41)
To advocate for the medical treatment our loved ones need (7:45)
About the Right To Try law (12:32)
Renee’s tips for preparing to move into this chapter of life (18:15)
The payment and services that come with working with a health advocate advisor (29:36)

Connect with Renee

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Insights From A Health Advocate Advisor: Part #1

Tue, 02 Aug 2022 09:00:40 GMT

What exactly IS a healthcare advocate advisor? If you are intimidated by the healthcare system, a health advocate advisor is there to help you make sense of it all.

In this twenty-fourth episode, I am excited to re-release episode 7. In this episode, I had the chance to be joined by Renee Balcom, a health advocate advisor. Through her work, Renee helps people learn the healthcare system, understand the decisions they need to make, and cope with the challenges and strains of caregiving. Renee created the Silver Lining Network & Directory after realizing that overwhelmed family caregivers need a resource to quickly find appropriate and professional solutions. Throughout this episode, Renee explains what the job of a health advocate advisor is, stories from her career, and what it looks like to work with her.

Tune in to this episode of On Life With Helen to hear Episode 7, where I have an amazing conversation with health advocate advisor Renee Balcom!

In This Episode, You Will Learn:

About Renee’s background as a health advocate (2:16)
How Renee connects with her clients (11:01)
Renee’s process to creating a care plan for her clients (16:48)
Renee’s experience discovering client neglect and abuse (19:09)
How to get in touch with Renee (32:37)

Connect with Renee

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Taking the Leap & Starting An Insurance Agency with Lauren Bayha

Tue, 26 Jul 2022 09:00:32 GMT

Are you waiting for a sign to make a career change? No matter how many years of experience, people supporting you, or dollars that you have saved away, taking the leap of faith to make a big change is always scary, yet so rewarding.

In this episode, I am talking with Lauren Bayha. Lauren has recently decided to open up her own insurance agency, BenefitsBay Insurance Solutions. Not only that, but Lauren has also taken over the Sacramento Association of Health Underwriters after many years as a member. Lauren’s courage to step out and pursue building her own business is an inspiration for others who want to become a solo-preneur.

Listen to episode 23 of On Life With Helen to learn from Lauren about her experience starting her own insurance agency. She talks about why she decided to pursue building her own agency, who has supported her journey so far, what services her agency is offering to clients, and more.

In This Episode, You Will Learn:

About Lauren’s background and why she decided to start her own insurance agency (2:40)
About the support Lauren has received since starting her agency (7:36)
What Lauren has learned in the first few months as a solo-preneur (14:07)
The services Lauren’s agency is offering to clients (18:20)
About Lauren’s involvement in Sacramento Association of Health Underwriters (26:26)

Connect with Lauren

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

“Are You a Business Owner? Things falling Through the Cracks?” Ben Godinez from VensureHR- Has Answers!

Tue, 19 Jul 2022 10:00:02 GMT

Are your efforts going to what you do best as a business owner or are you paralyzed by endless non-revenue-generating activities? One of the most common problems faced by businesses is the unending rise in overhead costs stemming from inefficiencies in compliance, and hiring, among others.

In this episode, I am talking with Ben Godinez, a Business Consultant at Vensure Employer Services. He is passionate about helping small businesses grow by solving operational challenges and streamlining compliance requirements. Today, he’ll share with us how Vensure Employer Services’ PEO (Professional Employer Organization) helps business owners. Additionally, he’ll share some use cases that will help you understand its benefits. This conversation with Ben will help business owners or aspiring business owners understand how to streamline non-revenue-generating activities.

Listen to episode 22 of On Life With Helen to learn how a PEO can transform a business from Ben Godinez!

In This Episode, You Will Learn:

What a PEO is and what it does (01:56)
The types of companies that a PEO works great with (05:50)
Real-life challenges that were solved by adopting VensureHR’s PEO solution (10:17)
How VensureHR approaches the onboarding process for new customers (18:22)
Three areas a business owner should consider getting a PEO to help handle (27:49)

Connect with Ben

Let’s Connect!

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Divorce and Reverse Mortgages with Mitchell Cooper

Tue, 12 Jul 2022 09:00:53 GMT

Recent studies show that divorces among couples who are over 50 years are on the rise in the US. One of the challenges that such couples face that younger couples don’t is how to split their assets such as a house in a way that secures their future financial stability. The reverse mortgage has proven to be a game-changer in this area because it allows such couples to split a house without making mortgage payments.

In this episode, I am joined by Mitchell Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha Mortgage. Today, Mitch is going to help us understand the concept of the reverse mortgage and the group that can benefit from it. He’ll also share with us its benefits and the impact that the rising interest rates are having on it.

Listen to this episode of On Life With Helen to learn about how a reverse mortgage can be used as an asset protection tool from Mitchell Cooper.

In This Episode, You Will Learn:

The impact that divorce has on personal wealth (03:52)
How reverse mortgage works (05:30)
The best time to perform reverse mortgage transaction in a divorce (14:36)
How interest rates affect such transactions (18:37)

Connect with Mitchell Cooper

Let’s Connect!

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Managing Difficult Conversations with Jay Johnson

Tue, 05 Jul 2022 10:00:23 GMT

When was the last time you had a difficult conversation in your workplace? There have been major changes in the workplace throughout the past few years, and it’s important for all employers to be clear communicators while also providing their employees a safe space to do the same.

In this twentieth episode, I am talking with Jay Johonson. Jay is the CEO of Coeus Creative Group and is an internationally renowned speaker specializing in behavior and organizational development. He has given keynotes and workshops in 19 countries across 4 continents, empowering audiences with an eye-opening perspective on behavior, communication, and leadership. Jay’s 2018 TEDx talk demonstrating a new approach to dealing with difficult people established Coeus Creative Group as a thought leader in the world of behavioral intelligence. This conversation with Jay will help anyone, employer or employee, to understand how to navigate the challenging situations and conversations in the modern workplace.

Listen to this episode of On Life With Helen to learn from Jay Johnson on how you can better manage difficult conversations!

In This Episode, You Will Learn:

Who Jay is and what his passion is (2:14)
The top three difficult conversations Jay helps his clients with (5:05)
How to connect with your colleagues in a hybrid work environment (14:04)
Jay’s advice for employers to identify and handle employee burnout (20:50)
One of the most transformational moments in Jay’s career (24:50)

Connect with Jay

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

When It All Works Out With Love

Tue, 28 Jun 2022 09:00:41 GMT

Have you and your family discussed the details on what to do when one of you passes away?

In this nineteenth episode, I am talking about a difficult event that happened recently in my life. Just a few weeks ago, my sisters and I said goodbye to our mother after she had lived a long, full, and beautiful life. I share with you the last 10 years of my mother’s life, what health difficulties she went through, and how my sister’s and I honored her wishes. Since losing my mother, it has been an extremely emotional past few weeks. However, I am so grateful that we had prepared for her passing so that we are able to grieve in peace and without stress.

Listen to this episode of On Life With Helen to learn about my mother’s passing and what I recommend all listeners do to prepare for the inevitable day when a family member passes away.

In This Episode, You Will Learn:

About the last 10 years of my mother’s life (2:30)
My mother’s unique journey with memory loss (8:09)
How my sisters and I honored my mother’s wishes before she passed away (10:26)
Why I am grateful that my mother had life insurance (11:26)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Educating people on Medi-Cal Qualifying with Michael McCabe

Tue, 21 Jun 2022 10:00:00 GMT

Do you live in California? If so, it is important to learn about Medi-Cal and understand how you can qualify.

In this eighteenth episode, I am joined by my great friend, Michael McCabe. Michael has been doing Medi-Cal planning for the last twenty years, focusing on counseling people on the psychology and financing of a person facing long-term care needs. He coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). Medi-Cal is a gift that the State of California is giving to people, so why not take the benefit?

Listen to this episode of On Life With Helen to learn from Michael about the ins and outs of qualifying for Medi-Cal and what situations it can help you with. Michael shares how he began working in Medi-Cal planning, what he specifically focuses on with his clients, the common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more.

In This Episode, You Will Learn:

How Michael began working in Medi-Cal planning (2:02)
What Michael specifically does for his clients (8:50)
The common misconceptions about Medi-Cal (11:08)
Michael’s recommendation to avoid being in crisis mode (21:45)
The new Medi-Cal regulations (25:59)

Connect with Michael

Email
916-612-8800

Let’s Connect!

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Trifecta Impact of Life Insurance in the Workplace with Lisa Hutcherson

Tue, 14 Jun 2022 09:00:03 GMT

Do you and your family members have a life insurance plan? It’s best to prepare for the worst so if the worst comes, your loved ones can properly grieve without having to worry about costs and arrangements.

In this seventeenth episode, I am joined by my good friend Lisa Hutercherson. Lisa is the National Account Director at SUMMUS, a platform that provides medical decisions through fast, virtual access to the world's best medical expertise. Their clients are companies that seek to create a supportive healthcare experience for their employees and drive better, cost efficient outcomes. Lisa and her team support their clients across all health questions and stages of care.

Listen to this episode of On Life With Helen to learn Lisa’s description of what she calls the trifecta impact of life insurance in the workplace. Lisa shares how she learned the benefits of this trifecta, lessons about life insurance from losing a family member, and why she was inspired to join the healthcare industry in the first place.

In This Episode, You Will Learn:

About Lisa’s background and her personal experience with life insurance (2:31)
The impacts of the trifecta of life insurance in the workplace (15:41)
Why Lisa got into the healthcare industry (18:23)
Lisa’s reflection on her nephew’s life (25:57)

Connect with Lisa

Let’s Connect!

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Tips & Advice On Caring For Family Members with Kerri Sanford

Tue, 24 May 2022 09:00:50 GMT

Have you taken on the responsibility of caring for one or more family members that are declining in health? Or are you expecting to at some point later in life?

In this sixteenth episode, I am joined by Kerri Sanford, a Medicare Specialist at Lawlen Insurance Solutions. When Kerri got a concerning call about her parents' health, she knew that she couldn’t sit idly by while their mental and physical states continued to decline. She moved them both into her home in Sacramento and became their caretaker while also maintaining her personal career and navigating a global pandemic. Since caring for her parents, Kerri has become passionate about sharing her story and encouraging caregivers to prioritize self-care.

Listen to this episode of On Life With Helen to learn Kerri’s tips and advice for caring for family members. She talks about her parent’s health decline, the different ways that her life changed after they moved in with her, what she learned about the importance of self-care, why it’s important to have a plan of action, and so much more.

In This Episode, You Will Learn:

About Kerri’s experience caring for her parents (2:10)
How Kerri sought out additional help (7:05)
The different ways that Kerri’s daily life changed (11:44)
The importance of taking care of yourself while caring for others (22:33)
Kerri’s message to caregivers (29:50)

Connect with Kerri

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

The Value in Volunteering

Tue, 17 May 2022 09:00:23 GMT

How much of your time do you spend volunteering? The benefits of volunteering are beyond measurable for all professionals, no matter the industry you work in.

In this fifteenth episode, I am talking about the value of volunteering for everyone. In this Part 1 episode, I share my experiences, stories, and lessons learned from volunteering with a professional organization for over 10 years. You will hear about the benefits of volunteering for solo-preneurs, the community that volunteering has brought me, different roles that I have had throughout my volunteering journey, and what I have learned about the main purpose of volunteering. Stay tuned for Part 2 where I will be interviewing a guest who has taught me so much about the importance of volunteering throughout my career.

Listen to this episode of On Life With Helen to learn about the value of volunteering for every professional!

In This Episode, You Will Learn:

About the volunteering organization I am involved in (2:38)
That the pros of volunteering outweigh the cons (8:08)
What the main purpose of volunteering is (10:11)
How volunteering has taught me when to say yes and when to say no (15:05)
My experience with Rotary volunteering (20:48)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

The Power of Mentorship

Tue, 10 May 2022 09:00:10 GMT

Who has been a mentor in your life? Are you a mentor to anyone? Mentorship is something that we all can benefit from, whether we are the mentee or the mentor.

In this fourteenth episode, I am talking about the power of mentorship and the role that it has played in my life as both a mentor and a mentee. Connecting with other people to share experiences, lessons, advice, and support is an incredible way to grow personally and professionally. Throughout this episode, I talk about what makes a good mentor, my personal experiences with mentorship in my career, the differences between mentorship and sponsorship, and more. Mentors are valuable in every stage of life and I hope this episode inspires you to seek out a mentor that supports you and has your best interest.

Tune in to this episode of On Life With Helen to learn about the power of mentorship for your professional and personal life!

In This Episode, You Will Learn:

How I incorporate mentoring in my professional life (3:58)
The qualities of a good mentor are (10:37)
The importance of listening during mentorship (18:13)
What to look for when seeking out a mentor (23:23)

Resources:

Article: What Makes a Good Mentor?

Let’s Connect!

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Supporting Yourself & Others Through Grief with Emily Thiroux Threatt

Tue, 05 Apr 2022 09:00:50 GMT

What are ways that you support yourself and others through grief?

In this thirteenth episode, I am joined by the wonderful Emily Thiroux Threatt. Emily is the host of the podcast, Grief & Happiness, where she shares stories of those that have not let grief strip them of their joy for life despite experiencing immense loss. Emily is also the author of the book, Loving and Living Your Way Through Grief, a fantastic resource for those that are unsure of how to navigate the grief they are going through. Throughout this conversation, Emily shares the loss she has experienced in her life, what tools she recommends for supporting others that are grieving, her mission with her podcast and books, and more.

Tune in to this episode of On Life With Helen to learn how you can love and live your way through grief from Emily!

In This Episode, You Will Learn:

About Emily’s background in grief recovery (2:14)
Emily’s personal experiences with grief (18:03)
Emily’s recommendations to support others through their grief (28:12)
Grief advice for business owners (34:09)
What the future holds for Emily’s grief work (37:36)

Resources:

Book - I’m Dead, Now What?

Connect with Emily

Website
LinkedIn
Facebook
Instagram
Twitter
Book: Emily Thiroux Threatt - Loving and Living Your Way Through Grief

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Understanding Reverse Mortgages with Mitchell Cooper

Tue, 29 Mar 2022 09:00:47 GMT

Do you understand what a reverse mortgage is?

In this twelfth episode, I am joined by Mitchell Cooper to talk all about his insights, advice, and perspective as a Certified Reverse Mortgage Professional. Through his work, Mitchell provides education to professionals and homeowners about the strategic use of the Home Equity Conversion Mortgage in retirement income planning. Throughout this conversation, Mitchell talks about the biggest misconception about reverse mortgages, what the Reverse for Purchase program is, common mistakes that people make when it comes to reverse mortgages, what goes into the loan process, and examples of client situations he has worked on. If you have been confused about the ins and outs of reverse mortgages, Mitchell’s expertise will help answer the basic questions you may have.

Tune in to this episode of On Life With Helen to learn from Certified Reverse Mortgage Professional, Mitchell Cooper!

In This Episode, You Will Learn:

What the biggest misconception is about reverse mortgages (2:27)
What happens when the last resident passes or goes into a long term care facility (16:00)
About the Reverse for Purchase program (20:30)
Mitchell’s explanation of the loan process (28:27)
Mitchell’s vision for the future of the reverse mortgage industry (35:31)

Connect with Mitchell

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

The Role of a Benefits Broker with Cerrina Jensen

Tue, 22 Mar 2022 10:00:27 GMT

Do you know what a benefits broker’s role is? Whether you are an employer or an employee, benefits brokers are there to help save you money and get you the best benefits plan possible.

In this eleventh episode, I am joined by Cerrina Jensen to talk about her role as an Employee Benefits Consultant & Benefits Broker. Cerrina is passionate about empowering and educating employers to teach them how to navigate the healthcare system and deliver better benefits for their employees. Throughout this conversation, Cerrina shares the top reasons why employers should look at working with a benefits broker, what her company’s mission is, and how she is working to empower and educate women in the industry. Cerrina is a longtime friend and I am so excited for you to hear her background and how she is stepping up as a female leader.

Tune in to this episode of On Life With Helen to learn what the role of a benefits broker is and how they can serve you as a company and an employee!

In This Episode, You Will Learn:

About Cerrina’s background and her new career pivot (2:07)
The top reasons why employers should look at a benefits broker (7:43)
About Cerrina’s passion project (21:45)
How Cerrina’s company is opening up their plan to people outside of the insurance industry (29:34)
Cerrina’s advice for young professionals (35:10)

Resources Mentioned:

Book - Pancakes for Roger: A Mentorship Guide for Slaying Dragons

Connect with Cerrina

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Mental Health 5150

Tue, 15 Mar 2022 10:00:38 GMT

Do you have someone in your life that is struggling with their mental health?

In this tenth episode, I am joined again by the wonderful Renee Balcom, a health advocate advisor, to talk about Mental Health 5150. Understanding what a Mental Health 5150 is important so you are prepared if you ever find yourself in a situation with someone who is not in a stable state of mind and are concerned for your or their safety. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her advice is for when you need to call for a 5150, her steps for working with clients, and more.

Tune in to this episode of On Life With Helen to learn what a 5150 is and when it would be appropriate to use!

In This Episode, You Will Learn:

Who Renee is (2:13)
What the 5150 is and the situations it is applied to (4:30)
Renee’s advice for calling on someone with mental health distress (12:14)
Renee’s steps when working with clients (14:37)
To look after those in your life (31:08)

Connect with Renee

Let’s Connect!

Please note, this episode centers around discussions of involuntary holds due to psychiatric distress (as they are handled in California). To avoid confusion, we would like to clarify some of the information discussed. We talk about schizophrenia not aging into dementia. It’s important to note that those with psychiatric disorders show a correlation with developing dementia later in life, however, these disorders don’t develop into dementia. So, you can be schizophrenic and have dementia too, but schizophrenia doesn’t manifest into dementia. Following that, we discuss 5150 holds. Please note that a 5150 can be extended up to 14 days but cannot exceed that. Additionally, code 5252 is mentioned as the next escalation after being on a 5250 hold. The correct code is actually 5300, which can be extended up to 180 days after the 14-day period stipulated by the 5250. Lastly, we make mention to the California “Welfare and Institutions Guide”, which is actually referred to as the “Welfare and Institutions Code”.

Hosted on Acast. See acast.com/privacy for more information.

Everything You Need To Know About 10 Year Terms

Tue, 01 Mar 2022 10:00:04 GMT

Have you considered getting a 10 year term of life insurance?

In this ninth episode, I am talking all about the ins and outs of 10 year terms. A 10 year term is a great option for many people, but it is still important to know the important details so you can confidently decide if it is the best route to go. Throughout this episode, I talk about why business owners may want to look beyond the 10 year term, the benefits of having a 10 year term, what the accelerated underwriting process is, and the importance of staying compliant for annual exams. I share various case studies from clients that may be valuable to think about if you are considering a 10 year term.

Tune in to this episode of On Life With Helen to learn if a 10 year term is the right life insurance option for you!

In This Episode, You Will Learn:

The upcoming guests and topics (1:58)
What a 10 year term is (3:43)
Scenarios from some of my clients (11:17)
About accelerated underwriting (15:21)
What it looks like when you have to go into full underwriting (21:03)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Who’s In Your Corner? Health Advocate Advisor: Part #2

Tue, 15 Feb 2022 10:00:52 GMT

Do you feel unsure about what ‘s best for yourself or loved ones when it comes to healthcare? Connecting with a health advocate advisor is a great way to ensure that you aren’t getting taken advantage of in the healthcare and long term care systems.

In this eighth episode, I am so excited to share with you Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee shared what a health advocate advisor is, her process for creating a care plan for clients, and stories from her career. Throughout this episode, Renee talks about some of the case studies that she has worked on, the two pieces of information she wants every listener to know, how to best prepare for the later chapters of life, and more. Renee has spent over a decade consulting and providing services to families looking for care solutions for their loved ones. She helps people navigate the healthcare system, make informed care decisions, and cope with the challenges and strains of caregiving.

Tune in to this episode of On Life With Helen to hear Part 2 of the conversation with health advocate advisor Renee Balcom!

In This Episode, You Will Learn:

About some of the case studies Renee has worked on (1:41)
To advocate for the medical treatment our loved ones need (7:45)
About the Right To Try law (12:32)
Renee’s tips for preparing to move into this chapter of life (18:15)
The payment and services that come with working with a health advocate advisor (29:36)

Connect with Renee

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Who’s In Your Corner? Health Advocate Advisor: Part #1

Tue, 01 Feb 2022 10:00:28 GMT

Are you intimidated by the healthcare system? Or unsure about your doctor’s recommendations? If so, it’s worth reaching out to a health advocate advisor.

In this seventh episode, I am so excited to be joined by Renee Balcom, a health advocate advisor. Renee has spent over a decade consulting and providing services to families looking for care solutions for their loved ones. She helps people navigate the healthcare system, make informed care decisions, and cope with the challenges and strains of caregiving. After realizing that overwhelmed family caregivers need a mechanism to quickly find appropriate and professional solutions, Renee created the Silver Lining Network & Directory. Throughout this episode, Renee explains what the job of a health advocate advisor is, stories from her career, and what it looks like to work with her.

Tune in to this episode of On Life With Helen to hear Part 1 of the conversation with health advocate advisor Renee Balcom!

In This Episode, You Will Learn:

About Renee’s background as a health advocate (2:16)
How Renee connects with her clients (11:01)
Renee’s process to creating a care plan for her clients (16:48)
Renee’s experience discovering client neglect and abuse (19:09)
How to get in touch with Renee (32:37)

Connect with Renee

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Medicare 101

Tue, 18 Jan 2022 10:00:50 GMT

Do you have a Medicare plan? Understanding the ins and outs of Medicare is extremely valuable in order to find the best plan for you.

In this sixth episode, I am talking all about Medicare - something that all business owners and employees should be informed on. Throughout this episode I explain what Medicare is, how it can save money for both employers and employees, the three paths you can take with Medicare, the pricing of Medicare plans, and some helpful Medicare tips. I hope this episode helps to clear up any misunderstandings you have surrounding Medicare and highlights the benefits of Medicare plans.

Tune in to this episode of On Life With Helen to learn my breakdown of Medicare!

In This Episode, You Will Learn:

What Medicare is (4:26)
The three paths you can take if you have Medicare (6:18)
The different costs for Medicare (14:18)
How you enroll in Parts A and Parts B (20:00)
Some helpful Medicare tips and information (24:30)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

2021 Reflections

Tue, 28 Dec 2021 10:00:13 GMT

What comes to mind when you reflect on the past 12 months? As the year wraps up, it’s a great time to look back at all that you’ve accomplished and how you want to enter into 2022.

In this fifth episode, I am sharing my reflections from the past year. While there is no denying that the past 12 months had its challenges, there was so much good that came from it as well. Throughout this episode I dive into what I loved about the past year, the different areas of my life that I’ve leveled up in, and the difficult events that I went through as well. I also provide my tips and suggestions on the different questions you can use to reflect and how to set yourself up for success in the next year. I encourage you to grab a journal and join me in reflecting on the past year.

Tune in to this episode of On Life With Helen to learn the good and the bad from this past year and the lessons I’m taking with me into 2022!

In This Episode, You Will Learn:

What I loved about the past 12 months (2:08)
How I’ve grown in the past year (6:21)
The difficult things that happened over the past year of my life (8:50)
Questions you can reflect on (12:43)
How to build momentum for your goals (19:03)

Resources Mentioned:

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Long Term Care Options

Tue, 14 Dec 2021 10:00:09 GMT

Do you have a long term care insurance plan? Many people often think that they do not need long term care insurance or assume it’s included within their health care, which is not the case.

In this fourth episode, I am talking about long term care and why it is important to have. I often hear from my clients that they already have a family member who can take care of them when they are older, but I think it is best to be prepared and purchase a long term plan. Throughout this episode I dive into the different long term care plans that you can choose between and what the benefits are for each one. I also explain how long term care can be used to help you in the future and provide what I learned when taking care of my mother in her older age. There are many different ways that long term care can be covered and it’s important that you have all the facts so you can set yourself up for the best situation.

Tune in to this episode of On Life With Helen to learn all about long term care options!

In This Episode, You Will Learn:

That your health insurance does not have components for long term care (3:05)
The different ways that you can insure long term care (3:41)
How long term care can be used (13:56)
The reasons why people don’t purchase long term care (16:19)
Examples of assisted technology (23:03)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Ownership, Compliance, & Answering Your Questions

Tue, 16 Nov 2021 10:00:01 GMT

Have you been unsure how to navigate your life insurance policy due to unique events? If you have a question, please seek guidance from myself or another professional in order to set yourself up for the best outcome!

In this third episode, I am talking about the different events or situations that may affect your life insurance policy. Understanding how life insurance policies can affect the different aspects of your life can be confusing, but all it takes is asking the question to save yourself a big headache. Throughout this episode I talk about the ins and outs of policy ownership, share my advice if you need a policy quickly, provide three examples of compliance, and answer the questions that you emailed me.

Tune in to this episode of On Life With Helen to learn my thoughts, advice, and examples on how to set yourself up for the best situation with your life insurance policy!

In This Episode, You Will Learn:

About ownership of a life insurance policy (2:48)
My advice for you if you need a policy quickly (9:15)
Three examples of compliance (14:45)
My answers to listener emails (24:43)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

How Marijuana & CBD Impact Policy

Tue, 02 Nov 2021 10:00:33 GMT

Are you a tobacco, nicotine, marijuana, or CBD user? When your life insurance agent asks you this question, it’s important to be honest and upfront.

In this second episode, I am explaining how using marijuana, CBD, tobacco, and nicotine will impact your life insurance policy. Being transparent with your life insurance agent or broker about the frequency of use is important to make sure that they can find the right carrier for you. Throughout this episode, you will learn the amount of smoking that will bump you to a smoker’s plan, the variety of events that will require a policy review, examples of cases and clients that I have worked on, and what’s to come for future episodes of On Life With Helen.

Tune in to this episode of On Life With Helen to learn how marijuana and CBD may impact your life insurance policy!

In This Episode, You Will Learn:

The types of marijuana and CBD use that is acceptable (3:29)
The life events that will require a change or review of policy (10:12)
Examples of clients I have worked with (20:26)
What’s to come in future episodes (26:48)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

Begin Building Your Life Toolbox

Tue, 19 Oct 2021 04:00:09 GMT

Welcome to On Life With Helen! I am so excited to help you start building your life toolbox so you are prepared for the future.

In this first episode, I explain my background growing up, how I began my career, and where I have ended up today. After twenty years in the life insurance industry, I still wake up every morning with the same passion to help people understand what will work best for them and their future. Throughout this episode, you will learn my answers to the common questions about life insurance, the conversations to have with your life insurance agent, and what you should expect in upcoming episodes.

Tune in to the first episode of On Life With Helen to learn how you can begin building your life insurance toolbox!

In This Episode, You Will Learn:

About my background (2:27)
The most common questions I get asked (7:50)
How hobbies and off time can affect your policy application (16:58)
What to expect from this podcast (22:00)

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.