What Every Senior Needs to Know

1. What Every Senior Needs to Know Living Wills Help for Arthritis Pay less for drugs Taking care of your final needs

2. Want to Save $$$ on Your Drugs? Bid For Your Meds. A new way for even those on a Part D drug plan can save thousands on their drug bills. Will need to go online to find your savings.

3. Help for Joint Pain If you have joint or arthritis pain and have Medicare, you could receive help at no cost to you. These are true medical devices that Medicare approves to those in need, with doctor & insurance approval.

4. How They Work • The increase blood flow • They reduce pain • They promote healing • Al Roper and Doctor Oz did a TV show where they talked about how a drop in barometric pressure causes the joints to loosen up. These braces supply steady even pressure.

5. Free Pre-need Planning Guide When a loved one dies, a multitude of important and permanent decisions must be made within a few hours. Important decisions about final arrangements are better made far in advance of need.

6. How Many People Do You Know That Were Buried This Way?

7. The Problem - Inflation Inflation forces us to evaluate our families exposure to financial hardship on the worst day of their lives. Since 1981, Gas has increased 150%, Milk 62%, Funerals 382% (National Funeral Directors Association)

8. The Problem – InflationA Historical Perspective Does not include cemetery, monument/marker costs, opening & closing, Vault or miscellaneous cash advance charges such as for flowers or obituaries. Year Cost of an Adult Funeral 1960 $708 1965 $790 1971 $983 1975 $1285 1980 $1809 1985 $2737 1991 $3742 1995 $4626 2000 $5180 2006 $6195 2009 $7,755

9. Projected Future Costs! Figure 2b—Life Expectancy at age 65 SSA ACTUARIAL STUDY NO. 120

10. Projected Future Costs! US Government Social Security Administration-Life Expectancy MALE in 2014FEMALE in 2014 Yrs To Live ToYrs To Live To Age Death Age Projected Cost Age Death Age Projected Cost • 75 10.26 85.26 $16,045.36 75 12.24 87.24 $16,793.17 • 74 10.84 84.84 $16,290.85 74 12.90 86.90 $17,310.97 • 73 11.43 84.43 $16,540.10 73 13.58 86.58 $17,575.83 • 72 12.04 84.04 $16,793.17 72 14.27 86.27 $18,117.76 • 71 12.66 83.66 $17,050.10 71 14.97 85.97 $18,394.96 • 70 13.30 83.30 $17,575.83 70 15.69 85.69 $18,676.41 • 69 13.96 82.96 $17,844.74 69 16.42 85.42 $19,252.28 • 68 14.63 82.63 $18,117.76 68 17.17 85.17 $19,546.84 • 67 15.32 82.32 $18,676.41 67 17.93 84.93 $20,149.55 • 66 16.02 82.02 $18,962.16 66 18.70 84.70 $20,770.84 • 65 16.73 81.73 $19,252.28 65 19.49 84.49 $21,088.63

11. The Reason–Don't know the FACTS You have never been educated as to where future prices are going. Why are funeral prices increasing fast than normal inflation. According to a recent NY Department of Consumer Affairs study: “There is a continuing movement toward the consolidation of the funeral industry with large corporations owning many homes.” “Consolidation is leading to higher funeral prices. An SCI funeral costs about 25% more than a funeral at an independent funeral home.” “Funeral homes that are part of large chains often hide their ownership and claim to be independently owned.”

12. The Need – Identify Where You Are 95% of Americans fit into one of three categories: Oops, Ouch or Uh-oh. Oops - wrong type of insurance – Term or universal life Expires or increase in premium to the point that it is too expensive. Because only 7% of the people who buy term life insurance actually die during the term, the other 93% have wasted their money. Ouch - Paying way too much Uh-oh – This is the largest category. Includes people with no insurance. Not enough because inflation has devalued your coverage.

13. The Solution – Pre-Need Review WE MAY BE ABLE TO FIND A WAY TO LEVERAGE YOUR CURRENT LIFE INSURANCE AND INCREASE YOUR DEATH BENEFIT! • We May Be Able To • Trade in old policies for more insurance • Free up cash • Get same coverage for less money • Leave more money to your family