Life insurance as an asset and health insurance tool

I cannot leave a big house for my children and my grandchildren, so I bought a life insurance that they can use as down payment to buy their own house should the good Lord calls me. Life insurance is an asset with a value that is worth it. If I have health issues such that I cannot perform 2 out of 6 ADLs (assistance in daily living), I can count on my life insurance with living benefits to be able to access about 80% of the death benefit during a chronic, critical or terminal illness. I could not afford a long term care insurance but I can with an index universal life insurance from Mutual of Omaha, Transamerica and 3 more carriers.

When you think you are ready to have peace of mind should you need to access some of the benefits of the many kinds of life insurance that is available, contact Connie Dello Buono, CA Life 0G60621 at 408-854-1883 ,

Now is the time to make sure you’re prepared when illness strikes at 50, 60 or 70

Life insurance now covers accidents , lost income, disability, critical illness, chronic illness, terminal illness, long term care and access to your death benefit during illness.

Make your life insurance be your health insurance tool.

Life insurance is leaving a legacy that is worth more than a house

Let your life insurance be an important asset to pay for your home loan balance and assets (education, lifetime retirement income)Link Life insurance as a legacy and an asset worth every penny.

Opioid prescriptions dropped for the first time since the modern addiction crisis began,

Opioid prescriptions dropped for the first time since the modern addiction crisis began, federal government says
The Centers for Disease Control and Prevention said prescriptions for highly addictive painkillers such as oxycodone dropped 13.1 percent between 2012 and 2015, offering a glimmer of progress in efforts to quell the worst drug epidemic in U.S. history.

But Anne Schuchat, the CDC’s acting director, expressed only tempered optimism about the first national decline in opioid prescribing the agency has reported since the crisis began in the late 1990s. She said the prescription rate is still triple the level it was in 1999 and four times as much as it is in some European countries. Even at the reduced prescribing rate, she said, enough opioids were ordered in 2015 to keep every American medicated around the clock for three weeks.

Retirement planning for doctors and health care pros

doctors tax free retirementImage

tax free retirement for doctors and health care professionals_

Here is an example of saving during  a low tax environment and taking retirement income when tax rates are higher.

As you can see, although you may accumulate more money through a pre-tax plan, if your tax bracket is high enough in retirement, your net income distribution may be much lower than if you saved through tax-free alternative.

Call Connie Dello Buono,  Personal Finance Concierge for Doctors, Health Care pros and Bay area pros
CA Life Lic 0G60621 at 408-854-1883 or San Ramon, San Jose and San Mateo office at

What is full living benefits or accelerated benefits riders? How I help those with cancer,stroke or disability in their finances

Terminal and critical illness rider free (no added cost). Only one in few financial service companies who offers access to funds (not from the cash value) when cancer, stroke or disability occurs.

Your conventional health insurance, missed the most important issue..YOU.

When you are sick, the coverage is paid to the health institution and not YOU, in your pocket.

This brings about a false sense of security since the conventional health coverage covers only doctors, pharmacies and hospitals.

During health threats, you may lose your income and ability to make money. With full living benefits, you receive a sizeable amount into your bank account while you are still alive, you receive these living benefits and not from your death benefit.

Full living benefits with NLG/LSW means that there are less limitations such as coverage for terminal only for advance cancer. You receive from $100k to $1.5M depending on the face value of your IUL policy whether you have stage 1, 2 or invasive cancer.

Peace of mind in knowing that should health threats occur, you are adequately supported financially as you receive these benefit rider which is your health protection in addition your current health insurance.

When you are stressed while being sick, financially broke, your immune system is in jeopardy exposing you to variety of outside health threats. Only one percent of the nation’s population is insured with living benefits and entitled to received their living benefits either in monthly payment or lump sum of money which actually contributed to the faster health recovery and improved quality of life.

Call Connie Dello Buono CA Life Lic 0G60621 408-854-1883

Long term care costs

What isn’t covered by Original Medicare:

  • Deductibles
  • Co-payments
  • Long-term care outside of a nursing home, or care at home, unless it’s provided by a professional nurse or therapist
  • Care for daily living such as walking, dressing, bathing, shopping, eating and taking medicine
  • More than 100 days of Skilled Nursing Facility (SNF) care following a hospital stay
  • Cooking and cleaning services
  • Private-duty nurse
  • Dental care and dentures
  • Health expenses outside U.S., except for some occurrences
  • Emergency care outside U.S.
  • Cosmetic surgery
  • Routine foot care
  • Eyeglasses (except after cataract removal)
  • Hearing aids

I have an IUL policy that is all in one for it also includes a retirement savings plan that grows up to 13.5%, tax free with zero market risk, asset protection/life insurance to leave an estate to my children and health benefits, access to 70-90% of the face value when I need long term care or have chronic illness, terminal or critical illness.

In care homes 24/7, with assistance to daily living, the cost starts from $3,500 per month. You live with 6 more clients in a home with 2 caregivers.

We need 24/7 care when we need assistance in daily living (ADL): bathing, feeding, transferring, toileting, total of 6 ADL and long term care is 2 out of 6 ADL that you cannot perform alone.

Deep breathing, exercise, healthy diet and de-stressing routines, helped me when I know that my heart is palpating from excess weight and lack of exercise.

Keep a healthy lifestyle and if you need a health policy in one with retirement savings and asset protection, contact Connie Dello Buono 408-854-1883 ; CA Life Lic 0G60621 in the bay area.

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