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10 | October 11, 2018 | 22nd century media Active aging 22ndCenturyMedia.com Life insurance: What everyone needs to know Statepoint Media No matter if you’re single or married, in your twenties or your forties, a parent or not, life insurance coverage is important in ways you may not realize, and costs less than you’d expect. And experts now stress that employersponsored coverage typically isn’t sufficient to cover most people’s needs. “Living your best life comes with risks, but don’t let uncertainty deter you from buying a house, traveling or starting a business,” said Sean Scaturro, director of Life and Health Insurance Advice at USAA. “Take the necessary steps to protect loved ones from financial burden in the event of tragedy.” Whether the money is used to replace your income, pay debts, pay for education or burial expenses, life insurance affords financial safety to loved ones. Start Young The 2018 Insurance Barometer Study published by Life Happens and LIMRA indicates that 44 percent of millennials overestimate the cost of life insurance by five times the actual amount and 42 percent believe they wouldn’t qualify. But, in reality, premiums are typically lowest when you’re younger, so it’s a smart decision to get some coverage, and reevaluate as life changes. For many young adults, student loans and housing costs sit atop the list of financial priorities. Without life insurance, the responsibility for these debts could fall to family members. Mind the Gap Just because you signed up for life insurance coverage through your employer doesn’t mean you’re adequately covered. Scaturro cites LIMRA data that shows that American households currently have a $200,000 life insurance needs gap. “If 60 percent of people have life insurance and 33 percent of those have group life insurance only, one in five people only have group coverage, which usually doesn’t provide enough,” he said. Most employer-sponsored coverage provides either a set death benefit, such as $50,000, or a multiple of your base income, and many plans aren’t portable. That means, without a separate individual policy, it could be costly or too late to get coverage if you leave your job. So, sign up for your employer’s low-cost or free life insurance, but don’t stop there. USAA believes you need enough life insurance to replace five years of your income, plus cover all debts. To determine how much coverage you need, take advantage of a free online calculator, like the one provided by USAA at USAA.com/life. Protect Your Family Families are especially vulnerable following the death of a primary wage earner. In fact, 35 percent of households would feel the financial impact within a month, according to research from LIMRA. That figure rises to nearly 50 percent at six months. Experts say that it’s important to review your life insurance needs, discuss them with your loved ones, speak to a financial professional and take action. Ask Me How You Can Have A Tax Free Retirement With Rates Starting At 4%. 1128 Rose Rd., Lake Zurich, IL 60047 T: 847-715-9638 • M: 786-797-3517 • E: Mark@FFS.Org • W: www.ffs.org 100 Million Americans suffer from chronic pain Pain affects more people in the U.S. than diabetes, heart disease, and cancer combined Discuss with one of our clinicians how toimprove the quality of YOUR LIFE. (847) 310-7420 Come find out if Medical Cannabis isright for you. Visit us at Booth #33 Resister for our Medical Cannabis Info Session Monday October 15, 2018 1:00 -2:30pm by calling (847) 310-7420 Compassionate Care Consulting |2101 Waukegan Road, Suite 200 |Bannockburn, IL 60015 Stop by our booth to see Pilates in action! 1770 1st St #205, Highland Park With top care providers and a modern, guest-centered facility, Symphony of Buffalo Grove offers our guests the quickest possible recoveries and optimal results. Learn more at: symphonybuffalogrove.com, or by calling (847) 465-0200 With comprehensive therapies and individual care plans we help our guests regain their independence and sense of fulfillment. Learn more at: symphonyofevanston.com, or by calling (847) 492-7700
22ndCenturyMedia.com active aging 22nd century media | October 11, 2018 | 11 Oral-systemic medicine: The new standard in healthcare Research suggests that as many as three out of four Americans show signs of mild periodontal disease while 30 percent show signs of chronic periodontitis. So, why are these findings so shocking? Studies point to the damaging triggers behind these very serious infections as being the same as those behind cardiovascular disease, stroke, diabetes, rheumatoid arthritis and even Alzheimer’s. In fact, evidence indicates that up to 50 percent of heart attacks are triggered by oral pathogens, and more than six oral bacteria appear to be linked to Alzheimer’s. “Understanding the science behind the emergence of oral and overall systemic health has quickly become mainstream in dentistry,” said Dr. Laniel Razdolsky, of Lake Forest Dental Associates. “Many health disciplines are coming together for developmental research and study to see just how great the impacts are.” As a result, oral pathogens are being explored as the potential origin for many serious health issues including pulmonary infection and even pneumonia. What’s more, periodontal disease is now being studied as a complex oral and systemic disease that carries as big a risk as high blood pressure for strokes. Periodontal disease can even be viewed as a marker of subclinical organ damage. If addressed by coordinated teams of both dental and medical professionals, however, we can slow or even reverse the progression of such diseases. “In some cases, oral health doesn’t just have direct implications on one’s systemic health, it further impacts quality of life as we age,” Razdolsky said. “What we do and, more importantly, what we don’t do can have far reaching consequences.” To that end, Lake Forest Dental Associates screens diabetic patients who may be at a higher risk for infections such as gingivitis. Left untreated, this infection can lead to periodontitis, putting the diabetic patient at an even higher risk for heart-related issues. Conversely, research suggests that good periodontal hygiene may a have positive impact on blood sugar levels. “While there are many ongoing studies to help us better understand the correlation between oral and systemic health, we can be assured there is a new dental and medical standard being developed regarding patient care,” Razdolsky said. “At our office, we really get to know our patient’s full medical history and encourage them to take an active part in their long-term health.” Submitted by Lake Forest Dental Associates. For more information, visit www.lakeforestdentalassociates.com or call (847) 234-6440 Somewhere in the neighborhood OF PERFECT. Vi at The Glen’s private villa homes combine the independence ofasingle-family residence with the benefits of aLife Plan Community. Maintain the fulfilling lifestyle you enjoy with the added comfort ofknowing care islocated on-site. Book atour todayand discoverthe best of both worlds. expenses From Page 9 How are consumers making ends meet? Family and credit cards top the list of resources Americans rely on for financial support during emergencies. As for the planned expense of a vacation, approximately one in three (29 percent) report taking extreme actions to pay their way, including taking out a bank loan, going into debt, cleaning out a savings account, borrowing money or maxing out a credit card. To plan the monthly amount that you’ll need to save for peace of mind, utilize free resources, such as CIT Bank’s online calculators at www.bankoncit.com/calculators. Then, consider looking for an account that will make your savings work harder and offer some flexibility. With no monthly maintenance fees, a minimum account balance requirement, and transaction capabilities, consumers can save without sacrificing their earnings throughout the process. When it comes to happy occasions as well as the unexpected, being prepared can safeguard you against zeroing out your account or going into debt. GLAA2018 888.772.0186 •TheGlen.ViLiving.com 2500 Indigo Lane, Glenview, IL 60026 CC-Lake, Inc. is the sole entity responsible for the performance ofthe continuing carecontracts at Vi at TheGlen.
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