There Are a Whole Lot of Reasons to Consider the Whole Life Policy from AMBA

(Reason #9 is important – even if you already have a policy!)

Like an umbrella, life insurance is one of those things everyone should have for the inevitable rainy day. But far too many people delay getting coverage. Maybe the reason is because they think it’s something they’ll get around to and put off purchasing a policy. Or they’ve been turned down elsewhere and don’t think they’ll be accepted for coverage. Maybe they’re concerned that rates will go up over time or they’ll be dropped.

Here are AMBA’s 9 reasons why the perfect time to enroll in Life Insurance through your association and AMBA might be RIGHT NOW.

  • PEACE OF MIND

We all need to consider what happens to our loved ones if something unexpected happens to us. This is even more imperative if they rely solely on your income. Life insurance can support your loved ones so they won’t be helpless when the bills come around.

Having life insurance means you and your loved ones can prepare for any eventuality. A policy will comfort you and your loved ones by providing protection should something happen to you.

  • AFFORDABLE COVERAGE

Many people put off purchasing life insurance because they assume it will be too expensive. The Whole Life policy from your association and AMBA is much less costly than you might think, especially when considering how much help life insurance can be to your family and loved ones.

  • YOU’RE PRE-QUALIFIED 

If you’re between 45 and 85, the Whole Life policy from AMBA and your association guarantees acceptance.

  • YOUR PREMIUM WILL ALWAYS STAY THE SAME 

No matter how many candles you add to your birthday cake, not a single dime will add to your premiums. Your rates are locked in!

  • YOU CAN’T BE DROPPED FOR ANY REASON

So long as your premiums are paid, you’re covered. Guaranteed. 

  • BURIAL EXPENSES

According to a 2021 study by the National Funeral Directors Association, final expenses associated with a funeral and burial can be up to $9,000. Extra expenses like flowers, obituary notices, acknowledgment cards, and transportation can add thousands of dollars. A Whole Life policy can help cover these costs.

  • ESTATE TAXES

When someone passes away, their heirs often face estate and taxes on their inherited assets. If you worry about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these costs.

  • HELP COVER UNSETTLED DEBTS

Your outstanding debts, whether a mortgage, car loan, or credit card, may become your spouse’s responsibility. Creditors could try to collect from your estate. Life insurance can help your loved ones handle any lingering financial responsibilities.

  • TO SUPPLEMENT AN EXISTING POLICY

You may already have a policy. However, if you already have a policy, it’s important to double-check and see if it has kept up with inflation. If it hasn’t, a supplemental policy could be a smart safety net for your loved ones. 

AMBA and your association make obtaining a Whole Life policy easy. There are many more reasons to sign up today, including a no-obligation 60-day return policy, access to purchase your policy online, and more.

Learn more about a Whole Life Policy through NCRGEA and AMBA at Ambalifeinsurance.com/NCRGEA or call 800-956-1228.

AMBA’s 5 Tips to Keep Your Summer Road Trip Fun and Safe

Nothing makes incredible memories like summer road trips. From visiting loved ones, checking out historic destinations, or taking advantage of fun tourist attractions, there’s nothing like hitting the road and enjoying an adventure. But these journeys have risks that you need to be ready for. Follow AMBA’s tips to help ensure an enjoyable and safe journey for road trippers of all ages.

Prepare and Pack

If you’re heading out on a road trip, the last thing you want is unexpected mechanical issues. Before hitting the road, check your tires, fluids, brakes, and more. Additionally, be sure you have a First Aid kit in your car. This emergency kit should include bandages, rubbing alcohol, a flashlight, emergency flares, tools, and aspirin.

Pack snacks, water, and chargers for smartphones and electronic devices. If you are traveling with children, pack games and activities to keep them entertained.

There’s An App for That!

Mapping apps make it easier than ever to adapt your journey. Whether you’re heading to a new or familiar destination, issues like heavy traffic or construction areas can cause delays, danger, or even stress. Apps that provide real-time traffic conditions can help you avoid these roads and reroute you to better alternatives.

Stay Smart: Stop and Sleep

Staying safe starts with staying alert. Did you know that driving for more than 8 hours at a time has nearly 2x the risk of crashing compared with drivers who have been on the road for less than 2 hours? Make plenty of stops, at least once every two hours. This will also give you the opportunity to stretch your legs, use the restroom, and get some fresh air. If you have passengers who can drive, alternate drivers every few hours.

Also, be sure to get plenty of sleep. People who sleep less than five hours before driving have a significantly increased risk of crashing compared to people who rest for the recommended eight hours.

Stay Cool

The summer heat during a road trip can be overwhelming. A lack of air conditioning on a hot summer day affects everyone. It is particularly dangerous for people with preexisting health conditions or who are sensitive to heat, such as children and older adults.

Heatstroke is a medical emergency that occurs when the body heats up faster than it can cool down. It can be deadly for older adults, especially during the summer, because their bodies have a decreased ability to adapt to temperature changes. Heatstroke symptoms can include dry, flushed skin, fainting, confusion, and a pulse rate that’s either too strong or weak.

Get MASA

No matter how many precautions you take, medical emergencies can happen anywhere, anytime – especially on the road when you’re far from home. A ground ambulance or air transport could cost thousands. Medicare may not cover this. Protect yourself from the high cost of emergency medical transportation with the Medical Air Services Association (MASA) plan from AMBA and NCRGEA. MASA provides lifesaving emergency transportation services. Services are paid in full, with no deductibles, co-pays, or dollar limits. Whether home or traveling, MASA covers your ambulance or airlift in all 50 states and Canada, regardless of age or medical condition. Plus, you can get your MASA plan through a trusted source: NCRGEA and AMBA. You can even sign up online. Learn more at Ambamedtransport.com/NCRGEA or call the AMBA Contact Center at 800-956-1228 M-F 9am-6pm ET.

Sources: https://aaafoundation.org/prevalence-impact-drowsy-driving/

https://www.routific.com/blog/best-route-planner-app-android

https://www.nia.nih.gov/health/safety/hot-weather-safety-older-adults#:~:text=Signs%20of%20heat%20stroke%20are,as%20under%20shade%20or%20indoors.

Want Expert Benefits Advice? Get a FREE Benefits Review with a Skilled AMBA Agent

Though friends and family can be helpful when considering benefits options, there’s no substitute for the expert benefit advice of an agent through NCRGEA and AMBA.

You’re Unique. So Are Your Benefits Needs.

AMBA and NCRGEA offer high-quality, comprehensive insurance plans at affordable rates with benefits you’ll love. AMBA’s robust portfolio of A-rated insurance products helps thousands of people enjoy well-being and security. The many policies available through AMBA and NCRGEA include dental, vision, long-term care, and Medicare Advantage plans, and many other important coverages.* 

Along with these vital benefits, AMBA agents can help you fill the gaps and get the right insurance portfolio for you. AMBA knows it can be challenging to see if you’ve overlooked important benefits. AMBA agents are compassionate and highly trained. With their expertise and knowledge, AMBA agents can answer your questions, provide insightful recommendations tailored to your needs, and ensure you have all the coverage you should.

NCRGEA’s trusted benefits partner, AMBA looks forward to helping you live your best life and enjoy peace of mind. AMBA is here to help you review your options and determine the right coverage for you— dental insurance, vision plans, life insurance, emergency medical transportation plans, and other essential policies. It’s nice to know someone can assist you anytime you have questions about your insurance benefits.

Request a FREE Benefits Review at Amba-review.com/NCRGEA or call 800-956-1228 Mon-Fri 9am-6pm ET.

*See plans for details.

We May Soon Be Able to Grow New Teeth

A significant breakthrough could change everything about dentistry.

Every dentist dreams of helping patients grow new teeth. That dream may soon become an exciting reality. 

Scientists are preparing to initiate the world’s first clinical trials of “tooth regrowth medicine” later this year. If the trials are successful, patients—whose solutions are currently limited to getting implants or dentures—will have a new, third option: the ability to regrow their permanent teeth.

How Researchers Hope to Grow New Teeth

Most people develop teeth naturally. However, some people are born missing some or all of their teeth, a condition called congenital anodontia. The belief is that a protein called USAG-1 stops “tooth buds” from developing into either baby or permanent teeth. This treatment would suppress USAG-1 and “benefit tooth growth.”

Because ferrets have tooth buds similar to humans, researchers have already tested the drug on them. The scientists found that not only did they succeed in growing new teeth, but the treatment had no known adverse side effects!

The research indicates that this treatment can be successful for people who haven’t been able to grow teeth from birth and for those who are missing teeth due to cavities or loss.

Researchers are now preparing to enroll patients for Phase 1 of the trial, tentatively set to begin in September. This step is designed to ensure the treatment’s safety. Phase 2 is scheduled to kick off in 2025 and will test to prove the efficacy of the treatment.

If the trials are successful, scientists hope the treatment will be available to the public as soon as 2030. 

This could be a major innovation in oral care. However, maintaining good dental health is still essential. That’s why the Dental Plan from AMBA and NCRGEA is so important. NCRGEA & AMBA’s Dental Plans can save you on routine cleanings and fillings, crowns, dentures, and more. Plus, acceptance is PRE-APPROVED and there is NO WAITING PERIOD on covered services! Sign up now at Ambadentalvision.com/NCRGEA or call 800-956-1228.

Source: https://www.popularmechanics.com/science/health/a60952102/tooth-regrowth-human-trials-japan/

AMBA’s 8 Simple Swaps to Eat a Healthier BBQ

Can a delicious summertime barbecue and a healthy eating plan coexist? BBQs may make you think of hamburgers, hot dogs, sausage, and ribs. But just because you’re firing up the grill doesn’t mean you’re stuck with high-calorie, high-fat choices. Follow AMBA’s steps to make it easy to eat heart-smart choices you’ll love.

AMBA’s tips for a healthier BBQ:

  1. Want to avoid the high-fat content of hamburgers while still enjoying all that juicy flavor? Choose low-fat beef, turkey, or veggie burgers instead. To add flavor, experiment with seasonings and top with grilled onions, mushrooms, or tomatoes. 
  2. Need your cheese fix? Add a small amount inside the burger instead of smothering it on top. You’ll still enjoy that cheesy taste but with less fat.
  3. Skinless chicken breasts and pork tenderloin are excellent alternatives to red meat. Grill until cooked through, then lightly brush with your sauce of choice.
  4. Want to enjoy the flavor without the fat? Choose turkey or chicken sausage. 
  5. Fish like salmon, skewered shrimp, and swordfish are great grilling options. 
  6. Marinades add flavor and tenderize leaner cuts of meat. Experiment with olive oil, mustard, vinegar, fresh herbs, garlic, teriyaki or soy sauce, or hot pepper flakes.
  7. Vegetables such as corn, eggplant, zucchini, portobello mushrooms, and peppers are grill favorites. Coat with olive oil, herbs, salt, and pepper before tossing on the grill rack.
  8. Don’t forget dessert! Grilled pineapple rings, peach halves, or watermelon wedges are delightful guilt-free dessert alternatives.

More Summer for Less with AMBA Discounts

Need a new summertime outfit or swimwear? Want to get significant savings on summertime getaways? AMBA Discounts has got you covered. AMBA is here to help make your cherished summer days even better.

Tuhkana Swimwear

Tuhkana makes easy-to-wear, eye-catching suits with an elegant twist. Their sustainable and eco-friendly fabrics fuse timeless designs, modern fits, and comfortable materials. Every collection is thoughtfully selected for a unique style that can be easily matched with other pieces. You don’t need 10 new bikinis every summer – but you can have 10 different styles by picking a few new pieces. AMBA Discounts offer: 25% off entire purchase online.

Atlantis Paradise Island Bahamas

Swim with dolphins, play golf at the awe-inspiring Ocean Club Golf Course, relax at Mandara Spa, try your luck at Atlantis Casino, or explore local Bahamian cuisine at this gorgeous getaway. It’s the ultimate destination vacation for solo travelers, couples, or the whole family! AMBA Discounts offer: Save up to 25% off our Best Available Rates PLUS receive unlimited access to Aquaventure Waterpark.

Sunski Sunglasses

Nothing celebrates the great outdoors more than protecting it. That’s why Sunski’s mission is to make the best sustainable sunglasses on earth. Its revolutionary recycled polymer transforms post-industrial scrap plastic into the frames for all its sunglasses. Plus, Sunski donates a percentage of every sale to environmental charities each year. AMBA Discounts offer: 25% off entire purchase!

Explore a world of additional savings on clothing, entertainment, shopping, and car rentals by visiting www.passportcorporate.com

Members, if you don’t have your activation code, please call our office at 919-834-4652 or 800-356-1190.

“Am I Allergic to Summer?”

AMBA’s Seasonal Eye Allergies Guide

Summertime is supposed to be all about outdoor fun. But what if your fun is interrupted by swollen eyelids, itchy, or red eyes? These are just some symptoms of summertime eye allergies. 

What Causes Seasonal Eye Allergies?

Eye allergies develop when the body’s immune system becomes sensitized and overreacts to something in the environment. Summertime eye allergies can be caused by contact with elements like pollen, grass, and some flowers. 

Eye allergies can cause your eyes to tear as they try to discharge these elements. Other symptoms can include constant eye irritation and itchiness, red eyes, and sudden swelling of the eyelids.

8 Steps to Care for Seasonal Eye Allergies

  1. Avoid triggers by making changes to your home and your routine.
  2. Keep windows closed during high pollen periods; use air conditioning in your home and car.
  3. Wear glasses or sunglasses when outdoors to keep pollen out of your eyes.
  4. Use “mite-proof” bedding covers to limit exposure to dust mites and a dehumidifier to control mold.
  5. Wash your hands after petting any animal.
  6. Avoid rubbing your eyes, which can cause symptoms to become more severe.
  7. Nonprescription eyedrops can provide short-term relief of some symptoms. They may not relieve all symptoms, and prolonged use of some eyedrops may cause your condition to worsen.
  8. Don’t use window fans. These can blow pollens and allergens from the outside into the house and worsen symptoms.

Treating summertime allergies is just one reason to visit your eye doctor. Protect your vision with the comprehensive Vision Plan from NCRGEA and AMBA. The benefits of this plan include annual WellVision checkups, 100% coverage for most lenses (even progressives!), and thousands of nationwide in-network providers. Sign up today – acceptance is GUARANTEED! – at www.AMBAdentalvision.com/NCRGEA or call 800-956-1228 M-F 9am-6pm ET.

Source: https://acaai.org/allergies/allergic-conditions/eye-allergy/
https://www.mayoclinichealthsystem.org/hometown-health/speaking-of-health/allergy-q-and-a

Four Simple Steps to Get the Most from Your Retirement Savings

For many people, retirement marks a profound shift in identity. Many have difficulty adjusting away from the career that defined them. After all, you’re not just retiring; you’re redefining who you are. One aspect of this is how you view and use money. NCRGEA & AMBA are here to help you embrace this new and exciting chapter with insightful planning and an optimistic, intelligent strategy.

1. Overcome Fear and Embrace the Opportunities

We all know FDR’s great quote, “We have nothing to fear but fear itself.” For many, the fear of running out of money in retirement can be overwhelming. This is called “negativity bias.” For example, if you’re told you have a 99% chance of a successful retirement, many people focus on that tiny 1% chance of failure. 

Uncertainty has power over us, but we can limit its negative impact by accepting and embracing it rather than worrying about it. 

“Positive reframing” lets you take control. It redefines money as a means for joy and fulfillment instead of an ever-eroding defense against potential downsides. This shift in perspective encourages us to see money as a tool to enrich life experiences. Emphasizing the value and impact of purchases instead of their cost can help reframe your spending. 

2. Giving More Can Give You More

If you feel you already have everything you need, you can use your means to help others. Research demonstrates that spending money on others can have a more significant positive impact on one’s happiness than spending it on yourself. Using money purposefully, such as through supporting loved ones or charitable giving, benefits yourself as much as it benefits others. Keep in mind, you need to keep these contributions within your budget just like any spending. 

3. Frame Your Future

What passions did you put on pause or have you been unable to pursue while you focused on your career and family? Retirement allows you to rediscover them. Ask yourself, “What new pursuits most excite me?” 

As you align your spending with your interests and goals, your financial decisions gain a more profound sense of purpose.

The key to happiness at every stage of life is to focus on what is within your control and make time to pursue your passions. Your healthy lifestyle includes living with a sense of goal-driven purpose.

Accepting uncertainty isn’t about resignation but navigating life’s inevitable challenges and adjusting when the unexpected occurs. By recognizing what is and isn’t within your control and budget, you are more empowered to direct your attention to the things that bring you joy.

4. Consider an Annuity from NCRGEA & AMBA

Get guaranteed income with the Tax-Deferred Asset Protection from NCRGEA & AMBA to help protect your retirement. This annuity is a smart and safe way to diversify your savings and can earn much more interest than CDs or savings accounts. NCRGEA & AMBA’s Tax-Deferred Asset Protection Plan features tax-deferred accumulation of interest, a guaranteed competitive interest rate, multiple payout options, and a nursing home waiver.

Get more info at myambabenefits.info/ncrgea or speak with a knowledgeable AMBA Call Center representative at 800-956-1228 M-F 9am-6pm ET.

Source: https://pubmed.ncbi.nlm.nih.gov/18356530

What to Do if You Crack or Chip a Tooth

Although teeth are remarkably strong and can last a lifetime, chips and breaks are always possible. AMBA is here to help you understand the potential causes of fractured or broken teeth, how to care for a broken or chipped tooth, and what solutions and options are available. If you experience a chipped or broken tooth, rest assured these tips can help you start smiling again in no time.

What Causes Chipped and Broken Teeth?

The most frequent causes of tooth chips or fractures include biting down on something hard, impact to the face or mouth, or a dental issue such as a cavity, which weakens the tooth from the inside.

A minor tooth fracture may or may not hurt. However, a break in a tooth will likely cause pain. Many people feel pain when chewing because of the pressure on the tooth and the damaged or exposed nerves beneath it.

What Do I Do If I Have a Fractured or Broken Tooth?

Cracked or broken teeth cannot be treated at home. Only a dentist can analyze the tooth and nerves and assess the extent of the damage and the necessary steps to repair the problem. 

If you have a broken tooth and are bleeding, the following steps are recommended until you can see your dentist:

  1. Rinse your mouth with warm water.
  2. Apply gauze on any bleeding areas until the bleeding stops. 
  3. Apply a cold pack to your cheek or lips over the broken tooth.
  4. Over-the-counter pain relievers like ibuprofen or acetaminophen can sometimes help overcome pain.

What Can You Expect from Treatment?

There are several types of tooth fractures and breaks, each requiring different treatments. These include:

  • Craze lines: These minor cracks are surface cracks that only affect your enamel – the outer white surface of your tooth. These cracks are so shallow they rarely need treatment. 
  • Chips: Minor chips don’t always need treatment. However, your dentist may suggest repairing the damage with filling material to prevent it from worsening.

Chipped teeth make up most dental accidents and injuries.

  • Cracked tooth: This fracture extends from the chewing surface toward your tooth’s root. If the damage doesn’t extend to the tooth’s root, it’s possible to save the tooth before the crack worsens with a root canal and crown. 
  • Severe breaks: A serious break goes deep enough to expose your tooth’s nerve. It’s almost certain to hurt and, usually, the broken part of your tooth will bleed. Frequently, a fractured tooth will need to be removed and replaced.
  • Decay-induced break: If you have a decay-induced break, your tooth has broken or crumbled because a cavity has weakened it from the inside out. Your dental professional will evaluate your cavity and recommend the best tooth restoration. If the decay is extensive and goes down to the bone, your tooth may have to be removed.

If you have a fractured or broken tooth, seeing a dental professional as soon as possible is important. It’s also important to have the coverage of the comprehensive Dental Plan from NCRGEA and AMBA. This plan lets you see any dentist you want with significant savings by seeing one of the thousands of in-network nationwide providers. This Dental Plan covers exams, x-rays, root canals, dentures, and more! Sign up today – acceptance is GUARANTEED! – at www.AMBAdentalvision.com/NCRGEA or call 800-956-1228 M-F 9am-6pm ET.

Source: https://my.clevelandclinic.org/health/treatments/10923-dental-crowns/recovery-and-outlook
https://www.aae.org/patients/root-canal-treatment/saving-natural-tooth/ https://www.aae.org/patients/dental-symptoms/traumatic-dental-injuries/

AMBA’s June Recipe: BBQ Tempeh Burgers

Who doesn’t love a good burger when enjoying BBQ with family and friends? But what if you could indulge in all the fantastic flavors while remaining healthy? This month’s AMBA Recipe is from a reader in North Carolina. It combines tempeh, a meatless alternative, with an irresistible whisky-infused homemade barbecue sauce, creamy coleslaw, and a toasted buttered bun. She adds, “Just try it, and you’ll be a believer! Grilling the tempeh adds a subtle smoky, almost bacon-like flavor. My family are burger connoisseurs who were initially skeptical, but we all love these!”

Don’t Skip the Steam!

Steaming allows the tempeh to absorb more of the delicious BBQ sauce marinade and ensures you maximize the flavor.

Servings: 4

Prep Time: 10 Minutes

Total Time: 70 Minutes

Ingredients

FOR THE BBQ TEMPEH

  • 16 oz. Tempeh
  • 1 Cup ketchup
  • 1/4 Cup Bourbon
  • 1/3 Cup Dark Brown Sugar
  • 3 Tbsp. Apple Cider Vinegar
  • 3/4 Tsp. Smoked Paprika
  • 1/2 Tsp. Onion Powder
  • 1/2 Tsp. Garlic Powder
  • 1/4 Tsp. Ground Mustard
  • Canola oil, for grill
  • 4 vegan hamburger buns, split
  • 3 Tbsp. vegan butter

FOR THE SLAW

  • 1/2 Cup Vegan Mayo
  • 4 Tsp. Apple Cider Vinegar
  • 1/2 Tsp. Granulated Sugar
  • ¼ Tsp. Celery Seeds
  • Kosher Salt
  • Freshly ground black pepper
  • 1 Cup Very Thinly Sliced Green Cabbage
  • 1 Cup Very Thinly Sliced Red Cabbage
  • 1 Coarsely Grated Carrot
  • 1 Finely Chopped Shallot

Directions

Step 1:

Cut tempeh crosswise into thirds, each third sliced lengthwise.

Step 2:

Combine the ketchup, bourbon, apple cider vinegar, brown sugar, paprika, onion powder, garlic powder, and ground mustard in a small saucepan and place over medium heat. Bring to a boil, then reduce heat to medium-low and simmer gently, stirring occasionally, for 15 minutes or until the sauce thickens and darkens in color. Transfer the BBQ sauce to a shallow baking dish or bowl.

Step 3:

Fill the bottom of a medium saucepan with about 2 inches of water and fit it with a steamer basket. Place the saucepan over medium-high heat and bring the water to a simmer. Arrange the tempeh pieces evenly in the steamer basket. Cover, reduce heat to medium, and steam the tempeh for 10 minutes.

Step 4:

Transfer the tempeh from the steamer basket into the BBQ sauce using tongs or a spatula, tossing to coat. Let marinate for at least 30 minutes or overnight.

Step 5:

Whisk the mayo with apple cider vinegar, granulated sugar, and celery seed in the bottom of a medium bowl. Season with salt and pepper. Add cabbage, carrot, and shallot and toss to coat.

Step 6:

Preheat a grill or pan to medium heat and lightly oil the grates. Remove the tempeh from the BBQ sauce. Grill the tempeh, turning a few times, until lightly charred and warmed through, approximately 8 minutes total. 

Step 7:

Butter cut sides of buns and grill cut sides down until toasted. Transfer to a plate. Build sandwiches on buns, spooning reserved BBQ sauce over tempeh if desired. Top with slaw. 

Step 8:
Enjoy!