Well Planned Funeral

Posted By Well Planned Funeral on May 7, 2011

ADD,  ADHD and Life Insurance for YOUR Child

Did you know if a child suffers from a disease, such as ADD or ADHD, it can become nearly impossible to acquire life insurance as an adult? Did you know that if your family has a history of poor health or inherited diseases, they could also face difficulty obtaining coverage?  Educating yourself, ESPECIALLY about the long term impact and consequences for ADD/ADHD afflicted children, is particularly important in these days of Obama implemented insurance programs. Life insurance companies do not have many of the restraints placed upon them, as medical carriers do, in being able to deny coverage for individuals. It is an uncommonly exceptional parent who recognizes these potential problems facing their now young children. I know —– I have several grandchildren who face these same problems.
Most, if not all, insurance companies rarely talk about this publicly. Furthermore, you have to directly ASK them the tough questions to get an answer to these exclusions. If parents purchase a life insurance policy for their child NOW, the insurance policy can (except in extremely rare cases) be carried over into adulthood. Once a child becomes of age, he can personally take over the policy on his or her own. Since there’s already a life insurance policy in place, the child will not be subject to pre-existing exclusions for health problems or disabilities when he is an adult. This can be a significant advantage if, by adulthood, a child has medical problems and needs life insurance, regardless of their medical status.

Your family’s medical history can also considerably impact whether your child will be able to get life insurance as an adult. It’s a no-brainer that premiums cost less for a child than for an adult. Buying life insurance for your children may be a well planned move if chronic illnesses like diabetes or heart disease occur in your family, despite any evidence that they exist or could develop later. Even if your child does not develop these or other childhood diseases, waiting to get life insurance later on as an adult could significantly increase the cost of the premiums should they develop something later in their life.

However, if your child is pre-disposed to certain chronic health conditions, you will want to purchase an adequate amount of life insurance now, as they may be un-insurable later as an adult. Obtaining and properly understanding  these far reaching consequences of ADD/ADHD can get you on the path toward help and coverage for your family. A wide array of criteria is used to determine insurability — even for children.  Don’t be caught in an awkward, frustrating situation later. YOU are your child’s advocate!  Do your homework. Feel at ease with your agent.  Check prices and different companies for what they have to offer you.  And make that all important appointment TODAY to discuss options for your family’s particular needs.

I currently represent many fine, long-standing, easily recognizable companies that can offer good, straight-forward, affordable policies for your children. If you know what to expect, the process for living with and preparing for adulthood with ADD/ADHD doesn’t have to be confusing or scary.  It’s normal to feel nervous or disappointed by a diagnosis of ADD/ADHD within your family. Understanding what the diagnosis really means can make you feel a whole lot better—it may even lead to feelings of relief, as you can finally take preventative measures to ensure your child has the same opportunities available to him or her as an adult, as are afforded to those without medical struggles. You are not alone and with my help, we can get to an easily workable solution to one of your child’s potential, additional struggles in adulthood. Together with my training in obtaining coverage for these individuals, we can arrive at a swift and accurate answer for any of your concerns. A personal appointment with me, either by phone or in-person, to discuss a life insurance policy for your precious children or grandchildren (Yes — grandparents CAN buy policies for their grandkids if the parents can’t afford them or they want to help) can be the first step toward taking control of your ADD/ADHD kids’ future.

Managing ADD/ADHD takes lots of work. Finding the right policy for you or your child is a process—one that takes time, persistence, and trial & error. It’s up to you to take action. But you can help yourself along the way by keeping the following concepts in mind: Learn as much as you can about ADD/ADHD; Getting plenty of support; and develop a good relationship with an experienced and trustworthy insurance agent.

Call me today, Mike Stockdale, with your questions at 801-425-4229.

Or email me at:  mikestockdale@yahoo.com

Proud Affiliate of the National Agents Alliance

Member of the Lampe  Group

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Posted By Well Planned Funeral on April 23, 2010

Quote : An 18-member “Independent Payment Advisory Board” [Sec. 10320(b)] is given the duty, on January 15, 2015 and every two years thereafter, with regard to private health care, to make “recommendations to slow the growth in national health expenditures . . . that the Secretary [of Health and Human Services] or other Federal agencies can implement administratively” [Section 10320(a)(5)(o)(1)(A)]. In turn, the Secretary of Health and Human Services is empowered to impose “quality” AND “efficiency” measures [Section 10304] on health care providers (including hospices, ambulatory surgical centers, rehabilitation facilities, home health agencies, physicians and hospitals) [Section 3014(a) adding Social Security Act Section 1890(b)(7)(B)(I)] which must report on their compliance.”

In carefully worded gobbledegook, what they’re really saying  is that physicians, hospitals, clinics, and assorted other health care providers will be mandated by Washington as to precisely which diagnostic tests and/or medical care is believed to meet quality and competence standards – not only for federally funded health care programs like Medicare, but also for health treatment or personal care paid for by Americans out of their own pockets and their non-governmental health insurance programs. Additionally, these will supposedly be effective and superior standards, specifically designed to limit what ordinary Americans spend on health care. Treatment that a patient and their doctor,  in privately held consultations, deem necessary or advisable to save a patient’s life, or preserve or improve that patient’s health, but which the government deems is too costly – even if the individual patient or their family is willing and able to pay for it – will run contradictory of the government’s obligatory standards. In effect, there will be one standardized national prevalence of care, established by Washington politicians and bureaucrats, which will also set a view to restricting what independent and free(?) citizens are allowed to expend on saving their own lives.

This most perilous and precarious provision will effectively result in the rationing and denial of lifesaving medical treatment, resulting in consequent premature and uncontrolled deaths of an unknown, but vast number of Americans.  I, for one, do NOT support Obama’s health care(?) plan and encourage all to take whatever legal means available to them to reverse it.

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Posted By Well Planned Funeral on July 15, 2009

Where were you when you got the news about Michael Jackson's passing?

I was driving home from a client’s house after sharing preneed funeral information with him and his wife.
He called me before I even made it back to say thank you for coming by.

It's strange, isn't it, that we never forget where we were when we first heard shocking news. People will
often ask,  "Where were you when JFK was shot?" Or "Where were you when the planes hit?" 

 Death has a way of slapping us across the face and waking us up in a way we never forget.

 When you hear the name "Michael Jackson," you probably have two different thoughts: "Incredible
performer"  or "Very strange person."  For better or worse, that is the legacy he left.

How about you? What kind of legacy are you leaving? What kind of predicament will you leave your
family in?  Michael may have left a will, which is, as can be expected, being contested.  But it took
way too much time, squabbling and negotiating(?) to get him properly buried. What a fiasco!  
Money, wills and notoriety are no guarantee that your wishes will be carried out as you desire. 
Even though Michael attempted to plan for his final wishes and estate to his family after his death,
apparently no time was given to his actual funeral preparation.  Will your family be torn apart in
anguish as well?  These kind of things CAN be avoided.  Don’t leave with a list of unfinished
business. The Jackson story is a reminder to us all that the legacy we leave is a combination
of both what we do and how we live our lives.

Everybody's talking about Jackson, Farrah, Ed McMahon and Billy Mays.

But very few people are thinking seriously about the legacy they will leave. And
even fewer are writing down their wishes and taking deliberate actions to
achieve that end. As a musician, Michael Jackson was surprisingly deliberate
and proactive. His attempts at preplanning were thoughtful, but woefully
inadequate for his fame and international recognition. 

What about you? More importantly, what kind of legacy will you leave if you don't
take action to make your final wishes known to others or financially prepare for
that final expense? As we hear about Farrah, Ed McMahon, Billy Mays, and even
those closer to us who have passed away recently, we're reminded that life is short.

Oliver Wendall Holmes said, "Most people go to their graves with their music still
inside them."

What is the thing you know deep down you should do, but you've been too busy,
lazy, preoccupied, or scared to do? It might be writing a book, taking a trip, or
doing some kind of community service. It might be mentoring someone, launching
a new business, or healing a broken relationship.

Whatever it is, get started today!

It's painfully obvious that tomorrow may be too late.

Feel free to call or email me so I may assist you in YOUR
final plans --- either with a no obligation, FREE Memorial Planner or
to answer your questions about a preneed funeral plan.  I’m here for
you today --- will YOU be there for YOUR FAMILY tomorrow?

Best Regards,

 Mike Stockdale

801-425-4229

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Posted By Well Planned Funeral on April 5, 2009

This is THE online community where you can freely ask any question you may have regarding preneed funeral plans and arrangements from a licensed, recognized and trusted expert in the field. Although responses will be primarily directed to Utah residents, or their family and friends (as this is where I am duly licensed to serve), funeral guidelines and regulations are fairly consistent throughout the United States.  Funeral planning allows you to record and fund your arrangements so your family won’t have to. The plan you choose reflects YOUR expressed wishes and personal preferences. There are many decisions related to the funeral and burial process that need attention. You can provide for them now by making these decisions today.  Let me help in this process. Of all the ways we can express love, one of the most thoughtful involves funeral planning BEFORE the need arises!

So Who Needs Funeral PrePlanning?

Mike Stockdale has earned Utah residents respect and admiration for his integrity and service. He’s worked with many of northern Utah’s mortuaries. He’s come to be a reputable source of information within the preneed business.  He’s also an expert advisor on high yield tax-free retirement, debt elimination, retirement solutions and indexed annuities.

Here in this online community, Mike will take the time to explain how prepaid funeral plans can benefit your family, and even qualify as a Medicaid spend down, which may protect some of your assets from the devastation caused by the need to go to a nursing home. Preplanning can be a valuable inflation hedge, as well as lock in today’s costs for those things you’ll need tomorrow.

Even more importantly — if you or a loved one is struggling to meet the financial requirements of the Medicaid spend down prerequisites, you should know that preneed policies can be  100% EXEMPT from attachment! You can literally have THOUSAND$ of dollar$ of value in these policies and they can be legally exempt from attachment.  Contact me TODAY for further information on how it works. The information is totally free!

So ask your questions! You’ll get an accurate and honest answer here.

Email Mike at:  MikeStockdale@Yahoo.com

Or, if you have a need for more immediate assistance, you may call him at: 801-425-4229

Need a Radio / TV Guest?

.Mike Stockdale has established himself as a warm, caring and personable speaker, who knows his topic inside and out ….. who can talk clearly and think independently. He knows what works and what doesn’t in the pre-need funeral industry. His message will be of infinite interest to your listening / viewing audience.  The comprehensive information he imparts is valuable, especially in today’s fluctuating economic market. He is passionate about his subject matter and will keep listeners entertained and informed of some of today’s hottest new trends and happenings in the funeral industry, including the newest “pop culture” of decorating to reflect themes, as funerals have become customized in order to express the true personalities of those we love. This approach, though shocking at first, is now becoming more accepted and helps you see a casket as a precious receptacle for a loved one, not a “coffin”. Hollywood has done its job of making funerals less “scary”. But there is still a major learning curve when it comes to today’s perception of funerals. Call or email him TODAY to discuss your needs and arrange an interesting and unusual personal guest speaker for your station on a topic that all of us will sooner or later have to face.

Email: MikeStockdale@Yahoo.com or phone Mike at: 801-425-4229

Example: Customized Funeral Presentation of an individual who was an avid hunting and fishing enthusiast. Instead of a flower spray, it features a Cougar skin, deer and elk antlers, premium Cedar hardwoods in casket construction,  an inlaid embroidery of a grove in the woods in header, various taxidermied specimens he acquired, snow shoes, hiking boots, fishing poles and original oil paintings of outdoor scenes he enjoyed and owned.

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A Personal Thought about Memorial Day, Red Poppies and returning to Traditions

Memorial Day is a day of remembrance for those who have died for our nation. It was meant to honor the bravery and sacrifice of America’s service men and women.

In 1915, an inspired poem was written by Moina Michael. It reads:

She then conceived of an idea to wear red poppies on Memorial Day in honor of those who died serving the nation during war. She was the first to wear one, and sold poppies to her friends and co-workers with the money going to benefit servicemen in need.

Later, a Madam Guerin from France was visiting the United States and learned of this new custom started by Ms.Michael. When she returned to France, she made artificial red poppies to raise money for war orphaned children and widowed women. This tradition soon spread to other countries. Madam Guerin later approached the VFW for help. Shortly before Memorial Day in 1922, the VFW became the first veterans’ organization to nationally sell poppies in commemoration of our fallen heroes.

Unfortunately, traditional observance of Memorial Day has diminished over the years.  Many Americans nowadays have forgotten the meaning and traditions of Memorial Day. At many cemeteries, the graves of the fallen are increasingly ignored and neglected. Most people no longer remember the proper flag etiquette for the day. Some people think the day is for honoring any and all dead, and not just those fallen in service to our country. Americans need to be reminded and re-educated of the true meaning of Memorial Day. What we need is a full return to the original day of observance. We need to use this one solemn, and even sacred, day out of the year for the nation to get together to remember, reflect and honor those who have given their all in service to our country.

Please, won’t you join me in making sure those who have given their all for our country are not forgotten or get lost in the hoopla and/or distraction of a three day weekend?  Victor Hugo once said:  ”There are many great deeds in the small struggles of life. All battefields have their heroes. — obscure heroes sometimes are greater than illustrious ones.”  I salute these great men and women who have each left a personal legacy of their own, as well as friends and family who will never forget their sacrifices.

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