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

Isaiah on July 21, 2024

(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.

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

Isaiah on July 11, 2024

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.

Travel Insurance: Is It Worth the Cost?

Tracie Eubank on March 4, 2022

Travel can be one of life’s greatest gifts. But how important is it to protect your journey with travel insurance?

Simply put, travel can pose financial risks that you may not be willing to take. Travel insurance can reimburse you for certain pre-paid, non-refundable expenses if the unexpected happens.

A comprehensive travel insurance plan may include coverage for trip cancellation, delays like those due to weather, medical emergencies and even natural disasters.

Beyond this standard package is Cancel for Any Reason (CFAR) coverage. It costs more but can cover trip cancellation within two days of your departure, including due to COVID-19 illness.

Shop around

For standard travel insurance, expect to pay 4% to 10% of the overall cost of your trip. CFAR coverage costs about 40% more than standard insurance.

In 2021, the average cost of a plan was $297, or $357 for international travel, according to insurance comparison site Squaremouth. These numbers can be impacted by the length of your trip, your age, and the types of coverage you choose.

To find your best option, use online comparison tools to shop for quotes and read what each policy covers. You can buy from a travel insurance provider, through a travel agent, or from a travel reservation site when you book.

Before you buy

Before you decide to purchase travel insurance, check your existing options. For example, your homeowners or renters policy may cover your be- longings for loss or damage.

Check your health insurance plan too — if you’re traveling within the U.S., chances are it will cover any medical expenses you incur. But your existing health plan, including your Medicare coverage, won’t be valid if you become sick or injured in an international locale.

If you already have a life insurance policy, or an accidental death and dismemberment (AD&D) policy, you may not need to purchase additional coverage for your trip. And some credit cards offer built-in travel insurance or rental car coverage.

Reviewing your current coverage limits and deductibles can help you decide if you need travel insurance.

Visit lgfcu.org/#creditunion for more good ways to manage your money.

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Enroll in E-Statements with SECU

Tracie Eubank on March 4, 2022

Make the switch to go paperless and view your State Employees’ Credit Union (SECU) account statements online with E-Statements.¹ It’s easy to sign up and can reduce the risk of identity theft from lost or stolen mail.

E-statements also help save the environment by reducing the amount of paper, ink, and other resources used to print paper statements. Quicker access to your statements and the option to download them for safekeeping are other great benefits. To view even more and learn how to enroll, visit www.ncsecu.org today!

¹To sign up for E-Statements, you must consent to the terms of SECU’s E-Sign Agreement prior to your enrollment in Member Access.

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What Your Ears May Be Saying About Your Heart

Tracie Eubank on March 4, 2022

Could a hearing loss be trying to tell you something about your heart’s health? Listen carefully, because a growing body of evidence – based on six decades of research – points to a connection between hearing loss and cardiovascular disease.

In fact, several prominent experts call the ear a “window to the heart.”

“The inner ear is so sensitive to blood flow that it is possible any abnormalities in the cardiovascular system could be noted here earlier than in other less sensitive parts of the body,” explains David Friedland, MD, Ph.D., of the Medical College of Wisconsin in Milwaukee. Dr. Friedland has been studying the hearing-cardiovascular connection for years.

Conversely, a healthy cardiovascular system (heart, arteries and veins) may positively affect a person’s hearing.

Another study, involving nearly 5,000 Icelandic citizens, indicate that a hearing impairment and dual sensory impairment (involving both vision and hearing) in older men are associated with increased mortality from cardiovascular disease and other causes. Researchers also observed that men and women who used hearing aids had significantly lower mortality risk compared with hearing-impaired individuals who did not use hearing aids.

Find out what your ears may be saying, simply call 877-806-7054 to request an appointment for a professional hearing exam with an Amplifon Hearing Health Care provider at a clinic near you. Our Patient Care Advocates will answer your questions and guide you through the entire process.

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Humana Neighborhood Centers Welcome NC State Health Plan Members

Tracie Eubank on March 2, 2022

Humana Neighborhood Centers, both in-person and online via the Virtual Neighborhood Center, offer special events, programs and activities designed to educate on physical and mental health. Many services can be used by anyone, including those who are not Humana members, at no cost. Each location offers a unique calendar of in-person or virtual events, programs and activities.

In-person locations are operating with limited capacity and by appointment to ensure the safety of visitors. Humana’s Virtual Neighborhood Center offers daily online classes on learning to manage health conditions, cooking healthy meals and learning to improve mental and physical health at home.

There are five Neighborhood Centers in North Carolina: Asheville, Greensboro, Charlotte, Raleigh and Winston-Salem. The centers offer classes and events and customer care specialists are onsite to answer plan benefit questions. Licensed Humana sales agents are available to help eligible non-members choose and enroll in Humana plans. Beginning in May, Humana Neighborhood Centers will host North Carolina State Health Plan (NCSHP) educational events at all five centers each month in 2022.

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