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Tips from a Broker: Navigating Life Insurance, Medicare and Final Expense Plans

Tips from a Broker: Navigating Life Insurance, Medicare and Final Expense Plans

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 🎙️ Welcome to Healthy Happy Wise Wealthy (HHWW)! In this episode, host Mary Meyer sits down with insurance broker Xander Lehn for a deep dive into one of life's most important, yet often confusing, topics: insurance—especially for seniors. With a powerful story of personal transformation behind his career change, Xander shares his journey from automotive technician to insurance expert, and helps listeners navigate the often overwhelming world of life insurance and Medicare. Whether you’re considering buying life insurance, supporting aging relatives, or curious about the Medicare maze, this episode is essential listening for anyone wanting to make informed, empowered choices for their future.🌟 Topics Covered: -Why Xander switched careers and chose insurance -The basics of life insurance: term, whole, universal, and which might be best for you -Understanding final expense (burial) insurance for seniors -What to expect in underwriting: how health and age affect pricing -Employer-provided insurance vs. private coverage -Funeral costs: what to plan for and why insurance matters -Medicare 101: Part A, B, C, & D explained -Medicare supplement (Medigap) vs. Medicare Advantage (Part C) -Common pitfalls and mistakes to avoid when choosing Medicare coverage -How to find a trustworthy insurance broker or agentKey Takeaways: -Each type of life insurance—term, whole, and universal—has a purpose. The right choice depends on your stage of life, financial situation, and goals. -Planning for end-of-life expenses with final expense insurance can save families stress and unexpected debt. -Medicare can be incredibly complex, with multiple parts and varying costs; having a broker with integrity who truly knows your region is invaluable. -Employer-provided life insurance may have hidden limitations or tax implications for beneficiaries. -Know the difference between captive agents (who sell for one company) and brokers (who shop multiple carriers for you). -Ask questions, don’t feel “dumb” for not knowing—good brokers are there to help without charging you directly.Some Questions I Ask: -What inspired you to move from the automotive field into insurance? -Can you give a general overview of the types of life insurance and who should consider each? -How do final expense and burial policies work, and what expenses do people often forget to plan for? -What’s involved in life insurance underwriting for seniors? -What’s the average cost of a funeral today, and how far does insurance go toward covering it? -What’s the difference between Medicare Supplement and Medicare Advantage plans? -What mistakes do people make when choosing a Medicare policy? -How does working with a broker benefit seniors as opposed to using a captive agent?Learn More About Our Guest: -Xander Lehn, Insurance Broker -Licensed in Nevada, California, Texas, and Florida -Works primarily with seniors on life insurance, final expense, and Medicare Contact Xander Lehn, Insurance Broker:@xander.lehn on socialsxanderlehn.ins@gmail.com775-453-6087Resources & Links Mentioned: -Missing Link Network (industry networking group mentioned by Mary and Xander) https://missinglinknetwork.com/- SP500 (mentioned as an investment index for IULs) -U.S. Social Security Administration: https://www.ssa.gov/ -Medical Information Bureau (MIB): https://www.mib.com/ -GoodRx (prescription discount program): https://www.goodrx.com/ -SilverSneakers (senior fitness program found in some Medicare Advantage plans): https://www.silversneakers.com/ Mary Meyer is the host of the Healthy Happy Wise Wealthy podcast. She is a media consultant who helps businesses expand their reach through video and audio storytelling. Audio episodes can be found on Apple Podcasts, Spotify, iHeart Radio, Pandora, Audible and more.🌟 Connect on Instagram and Facebook @HealthyHappyWiseWealthyYouTube Chapters: 00:00 Introduction & Xander’s Career Change Story04:40 Understanding Life Insurance (Term, Whole, Universal)17:57 Final Expense & Burial Insurance – Planning for the Unexpected24:15 Life Insurance Underwriting for Seniors31:25 Medicare 101: Parts A, B, C, D Explained38:00 Medicare Supplement vs. Advantage Plans45:51 Choosing a Broker vs. Captive Agent52:40 Closing Thoughts, How to Get Help, and ResourcesTop 8 Hashtags: #HealthyHappyWiseWealthy#InsurancePlanning#LifeInsurance101#MedicareMadeEasy#SeniorLiving#FinalExpense#FinancialWellness#PodcastEducationWhether you’re trying to demystify your own insurance needs or supporting someone you love, this conversation is packed with insight and practical takeaways for living a more Healthy, Happy, Wise, and Wealthy life. Subscribe, share, and join the journey!
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