Practical guidance for health insurance, life insurance and retirement planning
OCTOBER 2026 · ISSUE 37
Your Financial Plan Is More Than Your Savings Account
Saving and investing are essential, but they cannot cover every financial risk by themselves.
A complete plan also considers medical costs, lost income, protection for the people who depend on you and how your savings will become income in retirement.
Building wealth is only half the plan. The other half is protecting it.
What Our Clients Are Asking
“Do I need life insurance if I already have coverage through work?”
Employer-provided life insurance is valuable, but the amount may be limited and the coverage may not remain with you after leaving the job. Individual coverage can provide protection that is based on your family’s needs rather than your employment.
One Number Worth Knowing
December 7
That is the final day of Medicare Open Enrollment. Medicare beneficiaries can review and change Medicare Advantage or prescription-drug coverage through that date, with changes generally taking effect January 1.
Source: Medicare.gov
Your Quick Win
Check your beneficiaries today.
Review the beneficiaries listed on your life insurance and retirement accounts, especially after a marriage, divorce, birth, adoption or death. The beneficiary designation on the account may control who receives the money, so it should reflect your current wishes.
Source: Internal Revenue Service
How Can We Help?
Insureous can help you connect health coverage, life and disability protection, Medicare and retirement income options into a plan that works together.
Or call us at (904) 295-8498.
insureous.com · (904) 295-8498