ZINSURANCE |
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A blog to help you prepare for life's unexpected
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 When it comes to insurance and financial planning, giving takes on several meanings depending on what is important to you.
How are you giving peace of mind to your family with proactive planning and protection? How are you paying it forward through intentional charitable planning? Keeping all this mind, I would like to share a personal story about my veteran husband, Tony, and his family.
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 October is Disability Employment Awareness and Financial Planning Month. When you think of disability insurance, what first comes to mind? For too many people, thoughts first go to medical expenses related to unexpectedly being disabled and since their health insurance covers those medical expenses, it can easily be dismissed as not needed. Disability insurance is NOT health insurance. It is insurance to cover your income and personal financial obligations when you are not able to work to earn that income.
 With September being Life Insurance and Healthy Aging Month, it seemed the perfect opportunity to bring awareness to how your health and habits can positively impact your life insurance premiums. While wellness programs in companies have proven their value in reducing health insurance premiums, does the same hold true for gaining a better life insurance premium? The answer is, “Yes!”
An article in Corporate Wellness magazine affirms that life insurance is very much a corollary to health insurance because both instruments offer financial security against a potentially devastating chronic medical condition or incurable illness. However, wouldn’t it be even better for the life insurance to be an instrument for benefiting your heirs instead of covering the costs of poor health after you are gone?  The month of August is back to school for many families and is also What Will Be Your Legacy Month, which has inspired this month’s Zinsurance blog. Especially during back to school, the hustle and bustle of more demanding schedules, juggling many activities and responsibilities, and preparing for the onset of numerous holidays places family in the forefront as you prepare to manage it all on a day-to-day basis.
Whether you are a Millennial, Generation X, Baby Boomer, or of the Silent Generation, taking care of your next generation takes on very different priorities depending on how you are approaching your financial planning right now. The question then becomes, are you covering all your bases or taking a chance that could negatively impact what you desire for your next generation or is unintentionally hindering your ability to leverage your income and assets right now as effectively as you could. If legacy planning is important to you as an aspect of your financial plan, considering what it will look like for your next generation while also taking care of your needs throughout your life are key considerations. Welcome to the first official issue of our Zinsurance Blog! I am excited to bring this value-added resource to your inboxes and to feed your curiosity in virtual online browsing and fact finding. Since launching my business, this has been in the strategic plan to debut, and now was the perfect time to bring it into reality. Along with the blog, check out our Insights Library which debuted along with this first blog edition. You’ll find articles on everything from the basics on life insurance, disability, long-term care to tax implications. These articles feature expertise from our many providers we resource to bring you the best possible options to consider. And the library will continue to grow as we identify more articles from our expansive network of resources.
In this blog you will learn:
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About the BlogHi, I’m Lori Zeind, founder of LCZ Consulting. I am excited to bring this blog to you. Each month, I will bring you insights, along with guest blogs from alliance partners, so you can get to know the entire network of experts and knowledge we bring to our commitment to peace of mind for clients. Archives
October 2021
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