On Life With Helen

Does getting life insurance feels like a chore you've been dreading for longer than you can remember? In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more. Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insurance, and so much more. In This Episode, You Will Learn:Does going through a policy feels like a chore? (2:08)Three signs you need life insurance today (3:04)What makes Ethos so good at helping you get insurance (3:47)Is life insurance affordable? (4:34)When is term insurance the better option (7:08)Why you should look at your policy periodically (13:11)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money. In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only the highly compensated executives. We also learn how life insurance and business insurance can be used to incentivize young people and create completely aligned work environments, how to create an appealing bonus plan, and so much more. Listen to episode 43 of On Life With Helen to learn why taking good care of your employees at every level is instrumental. In This Episode, You Will Learn:About companies' actual pressure points (2:47)The issue of having solutions only for highly compensated employees (5:48)How to create incentives appealing for 20, 30, and early 40-year-old employees (7:51)Immediate and long-term gratification plans (13:18)Can promoting someone that deserves it be a bad thing? (16:48)Don't offer anything unless it is going to do the job (21:18)Connect with Trevor:LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices. In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more. Listen to episode 42 of On Life With Helen to learn everything you need to know about income protection. Dennis explains the multiple advantages of group long-term disability policies for the employer, why people resist considering disability insurance, and much more.In This Episode, You Will Learn: A bit about Dennis and how he got into income protection (1:43)Why is no one talking to their clients about income protection (7:09)Three things everyone should know about income protection (8:38)Why are most people unsure about disability insurance? (16:04)The Job A / Job B exercise (17:21)Where does Dennis see protection for business owners heading (24:47)Connect with Dennis:WebsiteLinkedInEmail: dennis@carlsonwest.comLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What are the main differences between traditional lines of credit and an FHA reverse mortgage?In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit. Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about. In This Episode, You Will Learn:The main difference between reverse mortgages and traditional lines of credit (1:56)In reverse mortgages, the line of credit grows (4:55)How can we make a growing line of credit work for us (6:47)Connect with Mitchell Cooper LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

There are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages. In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this first part of a two-part series, we go through 8 of the most popular myths on reverse mortgages. Listen to this episode of On Life With Helen to learn how truthful the myths about reverse mortgages are. In This Episode, You Will Learn:Is it true that lenders own the homes they have a mortgage in (5:15)Are funds received from a reverse mortgage taxed? (6:32)How risky reverse mortgages are (7:27)Can the borrower end up owing more than the home is worth? (9:21)What happens if a borrower outlives their expectancy? (14:08)Can a reverse mortgage impact your social security benefits? (17:29)Connect with Mitchell Cooper LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

If you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults. In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones in their final years. Listen to episode 39 of On Life With Helen to learn from Renée how to avoid the predatory side of the adult care industry, what options exist to offer our loved ones the best care, and why it is crucial not to react during a crisis. In This Episode, You Will Learn:The things we like don't change after we age (2:34)A bit about Renée's background and history in the healthcare industry (5:16)The dark side of the adult care industry (9:13)What is aging in place? (23:57)The benefits of multigenerational environments (26:40)What questions should you ask when hiring adult care (33:56)Try not to act in crisis (46:15)Connect with Renée:WebsiteLinkedInInstagramLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

How many things did you do despite being scared this year? In this episode, I'm talking about the fears conquered, the accomplishments, the chances of being brave I didn't waste in 2022, and my expectations and vision for 2023. As we get closer to the final sprint of the year, a year I used to clean my plate, mentally and physically, I take time to look back and give myself some grace for every box on my to-do list I checked. Today's show is also an invitation for you to do the same. Listen to episode 38 of On Life With Helen and learn about what you can expect from this podcast in 2023 and my three main goals for next year. I also encourage you to plan what you want to achieve in your personal life and business and, most importantly, allocate time to relax and enjoy your achievements. In This Episode, You Will Learn:The universe rewards the brave (2:21)You can find things to be brave daily (2:50)It's time to congratulate yourself for being brave (5:01)My gratitude for having Jackie Martinez in my life (10:59)My three big goals for next year (14:52)Resources mentioned:Jack Canfield websiteLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

The holiday season is usually a time for reflection, planning, and, quite often, feeling awful after overeating and experiencing food coma symptoms. In this episode, the lovely Jen Livengood visits us again to share five hacks to take care of your health during the holidays that'll help you keep your mental and physical health on track. As an experienced registered dietitian and functional nutritionist, Jen brings answers to some of the most common doubts and difficulties we might find during the end of the year's celebrations. Listen to episode 37 of On Life With Helen to learn how to deal with the little devils that sit on your shoulder and ask you to ignore what your body says and keep eating. Jen teaches us how to enjoy the holidays' whole experience, prepare to eat less and still indulge ourselves, limit sugar consumption, set achievable goals, and so much more. In This Episode, You Will Learn:A bit about Jen's expertise and how she helps people (2:03)Savour the holidays spirit (3:02)How eating before you eat helps you keep yourself in line (6:35)Always start with the veggies first (8:34)The importance of being aware of sugar consumption (13:08)Why it is crucial to set achievable goals (18:03)Resources MentionedLiven the Good Life website Episode #33 - Jenn Livengood - Taking Your Health Into Your Own HandsConnect with Jenn:InstagramLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

You already learned why retention is so important and how to implement the stickiest plans to make it happen in parts one and two. Now it's time to find out your options to fund that commitment. In this episode, in the third and last part of this series on employee retention with Trevor Patching, you'll learn the best options to fund your retention plans and how to recognize the right approach based on your company's size and projection. Listen to episode 36 of On Life With Helen and find out why most companies fund their retention plans with life insurance, how they manage to get back every dollar and some profit, and why you should consider having multiple policies as an asset. Trevor also explains why there is no one-size-fits-all solution for companies, the magical advantages of premium financing, the best moment to get premium financing, and much more. In This Episode, You Will Learn:Why is life insurance the preferred vehicle to fund retention plans for most companies (3:08)How most life insurances work and why they are so helpful (4:48)A bit about other funding strategies (11:12)What is premium financing, and how it works (16:27)There is no one-size-fits-all solution (22:09)Connect with Trevor:WebsiteEmail: trevor@theatticusgrp.comPhone: 561-523-3947Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

If a recession or any other external factor forced you to shrink your company by 30, 40%, or even half, who are the employees you should retain to keep the lights on? This week, on the second episode of this three-part series on employee retention with Trevor Patching, we talk about the best ways to solve retention issues and put in place a plan sticky enough to make employees decide to stay with you. Listen to episode 33 of On Life With Helen to learn about the questions you must ask yourself before figuring out a plan to keep your mission-critical employees around. Trevor goes through the key elements you should have in mind before creating a plan, which employees you should aim for, and how to turn their rewards more attractive. He also shares real-world examples of how some companies deal with their retention issues, explains how additional bonuses for retirement work, and much more. In This Episode, You Will Learn:Why should you focus on your mission-critical employees? (2:49)How to deal with employees that are more valuable than others (5:55)Bring the time horizon of the benefits closer (8:52)When is the right time to start funding your future obligations? (13:01)What is a Supplemental Executive Retirement Plan (SERP), and how it works (16:33)Connect with Trevor:LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

The post-pandemic scenario brought a massive change in employee retention with it. The different career path options, the hybrid work models, and the starring relevance of mental health at work created a war for talent. Employees happily jump between jobs, and companies break their heads trying to figure out how to attract talent. In this episode, I'm talking with Trevor Patching in the first of a three-parter series on employee retention. Trevor is the President of Asset Wealth Management. After a successful career in Asset-Based Lending, he now provides guaranteed risk-free programs, specializing in annuities, life insurance, and long-term care to protect retirees and business owners from the financial risk of outliving their assets or dying too young. Listen to episode 34 of On Life With Helen to dip your toes into how to identify the need for employee retention out there and how it is equally affecting white and blue-collar business owners. Trevor explains what companies should think of to differentiate themselves and attract talent, what kind of talent they should focus their efforts on, and how employee retention affects skilled labor. Plus, we delve into the insurance agency, how business owners can benefit from it, and much more. In This Episode, You Will Learn:A bit about Trevor and his background (2:09)What kind of employees are the ones we want to keep (4:48)The end of the participation trophy era (7:44)What is an insurance agency (12:17)How does retention affect skilled labor workers (16:07)Connect with Trevor:LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Whether it is for lack of time to prepare meals or seeking quick dopamine hits, we rely more and more on processed food, which not only lacks essential nutrients but also takes a toll on our health. Recent studies show that at least 88% of American adults have some kind of metabolic issue. In this episode, we welcome Jenn Livengood, who invites us to look differently at what we put in our bodies. Jenn is a registered dietitian and functional nutritionist passionate about helping people incorporate healthy lifestyle habits with the sole purpose of assisting them to experience lasting changes and increased longevity. She loves running and being outdoors and is turning her 4 acres into a farm. He also uses part of her barn to offer aerial fitness and skills classes and homesteading workshops. Listen to episode 33 of On Life With Helen to learn about the long-term issues of poor eating habits, the importance of dealing with root causes instead of symptoms when dealing with eating disorders, and what happens in our bodies when we overeat sugary carbs. Jenn also shares simple life hacks to deal with food cravings, explains why we feel hungry after eating certain foods, and much more. In This Episode, You Will Learn:A bit about Jenn and her background (3:04)The essential role of motivation and goals to implement life-changing habits (6:10)The tricky ways of diabetes to hide itself for years (10:02)95 pounds of sugar per year in the average American diet (14:15)Eat your food in the right order (24:46)Choose savory over sweet (31:12)Slow and steady wins the race (37:51)Resources MentionedLiven the Good Life website Book: Jesse Inchauspe - Glucose Revolution: The Life-Changing Power of Balancing Your Blood SugarConnect with Jenn:InstagramLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

With virtual healthcare tools increasing, human connection and speed to care remains vitally important when it comes to the healthcare experience. In this episode, I am joined by Lisa Hutcherson. She is a National Account Director at SUMMUS Global, a platform that empowers families through direct access to a virtual network of leading specialists across 48 leading hospitals. Lisa's previous experience includes growing and developing teams across the US in financial services, retail and other dynamic sales organizations before her journey to working within the technology channel of employee benefits. She has spent the last 18 years at Aflac as an associate, DSC, RSC, BDC and Group Rep. Listen to episode 32 of On Life With Helen to learn about how SUMMUS Global is changing the landscape of virtual health care for employees. Lisa talks about how SUMMUS is different from the other telehealth options, stories from her own personal healthcare experiences, what the different plan options are with SUMMUS, and how they are prioritizing speed to care. In This Episode, You Will Learn:About Lisa's career background (2:15)How SUMMUS sets themselves apart in the telehealth industry (6:14)Lisa's personal telehealth experience (16:43)The plan options for SUMMUS (19:44)How SUMMUS focuses on speed to care (25:00)Ways that SUMMUS drives engagement (30:34)Connect with Lisa LinkedInWebsiteLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What changes are being implemented in Medicare? In this episode, I am talking with Rosamaria Marrujo. Rosamaria has been a true pioneer in the field of Medicare for over 20 years. Throughout her career, she has supported over 6,000 agents nationwide through her GA/FMO based out of California. Rosamaria Marrujo, of Trusted American Insurance Agency, is the current CAHU/CAHIP Medicare Chair, and local Northern California SAHU Chapter President. In addition to being a leader in the Medicare Industry, Rosamaria is also a sought after speaker and she has spoken at more than 200 Medicare-related conferences, 800 educational sessions, and 50 in-depth two-day seminars.Listen to episode 31 of On Life With Helen to learn about the upcoming changes in Medicare for 2023. Rosamarie talks about why she decided to pursue a career in the insurance industry, upcoming changes for Medicare eligibility, what the options are for people with chronic diseases, updates that employers and employees need to know, and so much more. In This Episode, You Will Learn:How Rosamaria got into the insurance industry (3:34)What's coming up in 2023 for Medicare (7:00)Upcoming changes in Medicare eligibility (10:39)Big changes in Medicare for 2024 and 2025 (25:45)Rosamaria's recommendations for listeners (31:10)Resources MentionedMedicare 2023- Premium – Deductible Update Link.Connect with Rosamaria LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you have a list of things that you have to do but they continue to pile up?In this episode, I am talking about how I have made changes in my life throughout this year that have allowed me to make room for exciting changes. Back in January, I made a list of personal and professional things that I wanted to tackle. I went through and wrote down commitments that weren't serving my goals anymore and personal items that I have been putting off. You will hear in the episode what the specific things were on this list, how I successfully tackled it, and what my recommendations are for you to do the same. Listen to episode 30 of On Life With Helen to learn how I have let go of previous commitments, taken action towards my goals, and created room in my life for new projects that I am so excited to work on in this next chapter of life! In This Episode, You Will Learn:About the list I created back in January (1:59)The list of things I had put on the back burner in January (2:57)About the two new projects that I'm excited to work on (7:52)My recommendations for how to approach the rest of the year (8:11)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you spend most of your day sitting down, staring at technology? Adjusting your habits and incorporating more movement throughout your day is something that will make your body feel better and improve performance when you're working. In this episode, I am so excited to be joined by Dr. Kent Hardenbrook. He has been a practicing chiropractor for over 25 years and is passionate about teaching people to create new habits that will improve both their physical and mental health. Dr. Kent has worked with Ironman, USA soccer teams, and promotes Ergonomic education for tech workers. He talks about his background as a chiropractor, the negative health effects on our bodies from sitting and staring at a computer, what he recommends for people to make changes, what the benefits are of going to a chiropractor, and more. Listen to episode 29 of On Life With Helen to learn from chiropractor, Dr. Kent Hardenbrook, about how you can take care of your body better when you're sitting at a desk for the majority of the day! In This Episode, You Will Learn:About Dr. Kent's background and chiropractic career (2:23)Why we have to be conscious of our “tech neck” (7:08)What Dr. Kent recommends for employers to help their employees (14:21)The benefits of going to a chiropractor (18:28)How Dr. Kent works with people with serious injuries (27:14)Connect with Dr. Kent Hardenbrook Chiropractic10594 Combie Rd., Suite 2Auburn, California 95602Phone: (530) 268-2623Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Have you been thinking about starting your own business? Taking the leap to become a business owner takes a lot of courage. However, you will find fulfillment through the ups and downs if you have a mission that is driving you. In this episode, I am talking with Samantha Siders, the CEO and Trusted Benefits Partner at Siders Insurance Solutions. Samantha's goal is to help people reach their full potential, whether it is her internal team or the clients that they serve. Her and her team at Siders Insurance Solutions work to help their clients reach their internal goals around culture, employee retention, and recruiting talent. Listen to episode 28 of On Life With Helen to hear about Samantha's experience starting her own business. She shares what led her to making the decision to go out on her own, the successes and challenges that she has faced since starting her business, why it can be a lonely process to start a business, what her goals are for the company, and so much more. In This Episode, You Will Learn:What led Samantha to owning her own business (2:15)Networking tips from Samantha (5:55)About the isolation that can come from starting a business (15:29)The successes that Samantha has had since opening Siders Insurance Solutions (18:37)The company culture that Samantha is creating (26:25)Connect with Samantha LinkedInWebsiteLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Are you a California resident? Medi-Cal is a gift that the State of California provides its residents so it's valuable to take advantage of if you qualify for it. In this eighteenth episode, I am re-releasing episode 18 in which I was joined by Michael McCabe to talk all about Medi-Cal. For the past twenty years, Michael's job has been Medi-Cal planning, focusing on counseling people on the psychology and financing of a person facing long-term care needs. Through his work, Michael coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). Listen to this episode of On Life With Helen to learn from Michael if you qualify for Medi-Cal and how it can help you with. Michael shares how his career in Medi-Cal planning bgan, what he focuses on with his clients, common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more. In This Episode, You Will Learn:Michael journey to working in Medi-Cal planning (2:02)How Michael helps his clients (8:50)Common misconceptions about Medi-Cal (11:08)Recommendations to avoid being in crisis mode (21:45)The new Medi-Cal regulations (25:59)Connect with Michael Email916-612-8800Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Our mental health is just as important as our physical health. It's important to know the resources available for you so you can help yourself or those in your life who are struggling with their mental health. In this twenty-sixth episode, I am re-releasing episode 10 to emphasize the importance of understanding what a Mental Health 5150 is. You will hear from Renee Balcom, a health advocate advisor, to discuss how and when a 5150 should be incorporated in a situation. If you are ever with someone who is mentally unstable and causing a safety concern for themselves or others, a Mental Health 5150 will be of great help. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her advice is for when you need to call for a 5150, her steps for working with clients, and more. Tune in to this episode of On Life With Helen to learn what a 5150 is and when it would be appropriate to use! In This Episode, You Will Learn:Who Renee is (2:13)What the 5150 is and the situations it is applied to (4:30)Renee's advice for calling on someone with mental health distress (12:14)Renee's steps when working with clients (14:37)To look after those in your life (31:08)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you lack confidence when it comes to making decisions about your healthcare or a loved one's health? Working with a health advocate advisor will give you the peace of mind that you are looking for when it comes to navigating the healthcare system. In this twenty-fifth episode, I am re-releasing Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee talked about how a health advocate advisor can help you make informed decisions when it comes to healthcare and how she helps her clients by creating a care plan. In Part 2, you will hear Renee talk about some of the case studies that she has worked on, the important pieces of information she wants every listener to know, how you can prepare now for the later chapters of life, and more. I am so excited for you to hear Renee's expertise that she has learned from over a decade consulting and providing services to families looking for care solutions for their loved ones. Tune in to this episode of On Life With Helen to hear Part 2 of the conversation with health advocate advisor Renee Balcom! In This Episode, You Will Learn:About some of the case studies Renee has worked on (1:41)To advocate for the medical treatment our loved ones need (7:45)About the Right To Try law (12:32)Renee's tips for preparing to move into this chapter of life (18:15)The payment and services that come with working with a health advocate advisor (29:36)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What exactly IS a healthcare advocate advisor? If you are intimidated by the healthcare system, a health advocate advisor is there to help you make sense of it all. In this twenty-fourth episode, I am excited to re-release episode 7. In this episode, I had the chance to be joined by Renee Balcom, a health advocate advisor. Through her work, Renee helps people learn the healthcare system, understand the decisions they need to make, and cope with the challenges and strains of caregiving. Renee created the Silver Lining Network & Directory after realizing that overwhelmed family caregivers need a resource to quickly find appropriate and professional solutions. Throughout this episode, Renee explains what the job of a health advocate advisor is, stories from her career, and what it looks like to work with her. Tune in to this episode of On Life With Helen to hear Episode 7, where I have an amazing conversation with health advocate advisor Renee Balcom! In This Episode, You Will Learn:About Renee's background as a health advocate (2:16)How Renee connects with her clients (11:01)Renee's process to creating a care plan for her clients (16:48)Renee's experience discovering client neglect and abuse (19:09)How to get in touch with Renee (32:37)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Are you waiting for a sign to make a career change? No matter how many years of experience, people supporting you, or dollars that you have saved away, taking the leap of faith to make a big change is always scary, yet so rewarding. In this episode, I am talking with Lauren Bayha. Lauren has recently decided to open up her own insurance agency, BenefitsBay Insurance Solutions. Not only that, but Lauren has also taken over the Sacramento Association of Health Underwriters after many years as a member. Lauren's courage to step out and pursue building her own business is an inspiration for others who want to become a solo-preneur. Listen to episode 23 of On Life With Helen to learn from Lauren about her experience starting her own insurance agency. She talks about why she decided to pursue building her own agency, who has supported her journey so far, what services her agency is offering to clients, and more. In This Episode, You Will Learn:About Lauren's background and why she decided to start her own insurance agency (2:40)About the support Lauren has received since starting her agency (7:36)What Lauren has learned in the first few months as a solo-preneur (14:07)The services Lauren's agency is offering to clients (18:20)About Lauren's involvement in Sacramento Association of Health Underwriters (26:26)Connect with Lauren LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Are your efforts going to what you do best as a business owner or are you paralyzed by endless non-revenue-generating activities? One of the most common problems faced by businesses is the unending rise in overhead costs stemming from inefficiencies in compliance, and hiring, among others.In this episode, I am talking with Ben Godinez, a Business Consultant at Vensure Employer Services. He is passionate about helping small businesses grow by solving operational challenges and streamlining compliance requirements. Today, he'll share with us how Vensure Employer Services' PEO (Professional Employer Organization) helps business owners. Additionally, he'll share some use cases that will help you understand its benefits. This conversation with Ben will help business owners or aspiring business owners understand how to streamline non-revenue-generating activities.Listen to episode 22 of On Life With Helen to learn how a PEO can transform a business from Ben Godinez! In This Episode, You Will Learn:What a PEO is and what it does (01:56)The types of companies that a PEO works great with (05:50)Real-life challenges that were solved by adopting VensureHR's PEO solution (10:17)How VensureHR approaches the onboarding process for new customers (18:22)Three areas a business owner should consider getting a PEO to help handle (27:49)Connect with Ben WebsiteLinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Recent studies show that divorces among couples who are over 50 years are on the rise in the US. One of the challenges that such couples face that younger couples don't is how to split their assets such as a house in a way that secures their future financial stability. The reverse mortgage has proven to be a game-changer in this area because it allows such couples to split a house without making mortgage payments.In this episode, I am joined by Mitchell Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha Mortgage. Today, Mitch is going to help us understand the concept of the reverse mortgage and the group that can benefit from it. He'll also share with us its benefits and the impact that the rising interest rates are having on it.Listen to this episode of On Life With Helen to learn about how a reverse mortgage can be used as an asset protection tool from Mitchell Cooper. In This Episode, You Will Learn:The impact that divorce has on personal wealth (03:52)How reverse mortgage works (05:30)The best time to perform reverse mortgage transaction in a divorce (14:36)How interest rates affect such transactions (18:37)Connect with Mitchell Cooper LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

When was the last time you had a difficult conversation in your workplace? There have been major changes in the workplace throughout the past few years, and it's important for all employers to be clear communicators while also providing their employees a safe space to do the same.In this twentieth episode, I am talking with Jay Johonson. Jay is the CEO of Coeus Creative Group and is an internationally renowned speaker specializing in behavior and organizational development. He has given keynotes and workshops in 19 countries across 4 continents, empowering audiences with an eye-opening perspective on behavior, communication, and leadership. Jay's 2018 TEDx talk demonstrating a new approach to dealing with difficult people established Coeus Creative Group as a thought leader in the world of behavioral intelligence. This conversation with Jay will help anyone, employer or employee, to understand how to navigate the challenging situations and conversations in the modern workplace. Listen to this episode of On Life With Helen to learn from Jay Johnson on how you can better manage difficult conversations! In This Episode, You Will Learn:Who Jay is and what his passion is (2:14)The top three difficult conversations Jay helps his clients with (5:05)How to connect with your colleagues in a hybrid work environment (14:04)Jay's advice for employers to identify and handle employee burnout (20:50)One of the most transformational moments in Jay's career (24:50)Connect with Jay WebsiteLinkedInEmailLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Have you and your family discussed the details on what to do when one of you passes away? In this nineteenth episode, I am talking about a difficult event that happened recently in my life. Just a few weeks ago, my sisters and I said goodbye to our mother after she had lived a long, full, and beautiful life. I share with you the last 10 years of my mother's life, what health difficulties she went through, and how my sister's and I honored her wishes. Since losing my mother, it has been an extremely emotional past few weeks. However, I am so grateful that we had prepared for her passing so that we are able to grieve in peace and without stress. Listen to this episode of On Life With Helen to learn about my mother's passing and what I recommend all listeners do to prepare for the inevitable day when a family member passes away. In This Episode, You Will Learn:About the last 10 years of my mother's life (2:30)My mother's unique journey with memory loss (8:09)How my sisters and I honored my mother's wishes before she passed away (10:26)Why I am grateful that my mother had life insurance (11:26)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you live in California? If so, it is important to learn about Medi-Cal and understand how you can qualify. In this eighteenth episode, I am joined by my great friend, Michael McCabe. Michael has been doing Medi-Cal planning for the last twenty years, focusing on counseling people on the psychology and financing of a person facing long-term care needs. He coaches his clients on how to fund Long-Term Care through Medi-Cal Benefits, Waiver Program, IHSS (In-home supportive services). Medi-Cal is a gift that the State of California is giving to people, so why not take the benefit?Listen to this episode of On Life With Helen to learn from Michael about the ins and outs of qualifying for Medi-Cal and what situations it can help you with. Michael shares how he began working in Medi-Cal planning, what he specifically focuses on with his clients, the common misconceptions around Medi-Cal, the urgent situations he can help you with, how to avoid getting into crisis mode, and more. In This Episode, You Will Learn:How Michael began working in Medi-Cal planning (2:02)What Michael specifically does for his clients (8:50)The common misconceptions about Medi-Cal (11:08)Michael's recommendation to avoid being in crisis mode (21:45)The new Medi-Cal regulations (25:59)Connect with Michael Email916-612-8800Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you and your family members have a life insurance plan? It's best to prepare for the worst so if the worst comes, your loved ones can properly grieve without having to worry about costs and arrangements. In this seventeenth episode, I am joined by my good friend Lisa Hutercherson. Lisa is the National Account Director at SUMMUS, a platform that provides medical decisions through fast, virtual access to the world's best medical expertise. Their clients are companies that seek to create a supportive healthcare experience for their employees and drive better, cost efficient outcomes. Lisa and her team support their clients across all health questions and stages of care. Listen to this episode of On Life With Helen to learn Lisa's description of what she calls the trifecta impact of life insurance in the workplace. Lisa shares how she learned the benefits of this trifecta, lessons about life insurance from losing a family member, and why she was inspired to join the healthcare industry in the first place. In This Episode, You Will Learn:About Lisa's background and her personal experience with life insurance (2:31) The impacts of the trifecta of life insurance in the workplace (15:41)Why Lisa got into the healthcare industry (18:23)Lisa's reflection on her nephew's life (25:57)Connect with Lisa LinkedInEmailLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Have you taken on the responsibility of caring for one or more family members that are declining in health? Or are you expecting to at some point later in life? In this sixteenth episode, I am joined by Kerri Sanford, a Medicare Specialist at Lawlen Insurance Solutions. When Kerri got a concerning call about her parents' health, she knew that she couldn't sit idly by while their mental and physical states continued to decline. She moved them both into her home in Sacramento and became their caretaker while also maintaining her personal career and navigating a global pandemic. Since caring for her parents, Kerri has become passionate about sharing her story and encouraging caregivers to prioritize self-care. Listen to this episode of On Life With Helen to learn Kerri's tips and advice for caring for family members. She talks about her parent's health decline, the different ways that her life changed after they moved in with her, what she learned about the importance of self-care, why it's important to have a plan of action, and so much more. In This Episode, You Will Learn:About Kerri's experience caring for her parents (2:10)How Kerri sought out additional help (7:05)The different ways that Kerri's daily life changed (11:44)The importance of taking care of yourself while caring for others (22:33)Kerri's message to caregivers (29:50)Connect with Kerri LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

How much of your time do you spend volunteering? The benefits of volunteering are beyond measurable for all professionals, no matter the industry you work in. In this fifteenth episode, I am talking about the value of volunteering for everyone. In this Part 1 episode, I share my experiences, stories, and lessons learned from volunteering with a professional organization for over 10 years. You will hear about the benefits of volunteering for solo-preneurs, the community that volunteering has brought me, different roles that I have had throughout my volunteering journey, and what I have learned about the main purpose of volunteering. Stay tuned for Part 2 where I will be interviewing a guest who has taught me so much about the importance of volunteering throughout my career. Listen to this episode of On Life With Helen to learn about the value of volunteering for every professional! In This Episode, You Will Learn:About the volunteering organization I am involved in (2:38)That the pros of volunteering outweigh the cons (8:08)What the main purpose of volunteering is (10:11)How volunteering has taught me when to say yes and when to say no (15:05)My experience with Rotary volunteering (20:48)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Who has been a mentor in your life? Are you a mentor to anyone? Mentorship is something that we all can benefit from, whether we are the mentee or the mentor. In this fourteenth episode, I am talking about the power of mentorship and the role that it has played in my life as both a mentor and a mentee. Connecting with other people to share experiences, lessons, advice, and support is an incredible way to grow personally and professionally. Throughout this episode, I talk about what makes a good mentor, my personal experiences with mentorship in my career, the differences between mentorship and sponsorship, and more. Mentors are valuable in every stage of life and I hope this episode inspires you to seek out a mentor that supports you and has your best interest. Tune in to this episode of On Life With Helen to learn about the power of mentorship for your professional and personal life! In This Episode, You Will Learn:How I incorporate mentoring in my professional life (3:58)The qualities of a good mentor are (10:37)The importance of listening during mentorship (18:13)What to look for when seeking out a mentor (23:23)Resources: Article: What Makes a Good Mentor?Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What are ways that you support yourself and others through grief? In this thirteenth episode, I am joined by the wonderful Emily Thiroux Threatt. Emily is the host of the podcast, Grief & Happiness, where she shares stories of those that have not let grief strip them of their joy for life despite experiencing immense loss. Emily is also the author of the book, Loving and Living Your Way Through Grief, a fantastic resource for those that are unsure of how to navigate the grief they are going through. Throughout this conversation, Emily shares the loss she has experienced in her life, what tools she recommends for supporting others that are grieving, her mission with her podcast and books, and more. Tune in to this episode of On Life With Helen to learn how you can love and live your way through grief from Emily! In This Episode, You Will Learn:About Emily's background in grief recovery (2:14)Emily's personal experiences with grief (18:03)Emily's recommendations to support others through their grief (28:12)Grief advice for business owners (34:09)What the future holds for Emily's grief work (37:36)Resources: Book - I'm Dead, Now What?Connect with Emily WebsiteLinkedInFacebookInstagramTwitterBook: Emily Thiroux Threatt - Loving and Living Your Way Through GriefLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you understand what a reverse mortgage is? In this twelfth episode, I am joined by Mitchell Cooper to talk all about his insights, advice, and perspective as a Certified Reverse Mortgage Professional. Through his work, Mitchell provides education to professionals and homeowners about the strategic use of the Home Equity Conversion Mortgage in retirement income planning. Throughout this conversation, Mitchell talks about the biggest misconception about reverse mortgages, what the Reverse for Purchase program is, common mistakes that people make when it comes to reverse mortgages, what goes into the loan process, and examples of client situations he has worked on. If you have been confused about the ins and outs of reverse mortgages, Mitchell's expertise will help answer the basic questions you may have. Tune in to this episode of On Life With Helen to learn from Certified Reverse Mortgage Professional, Mitchell Cooper! In This Episode, You Will Learn:What the biggest misconception is about reverse mortgages (2:27)What happens when the last resident passes or goes into a long term care facility (16:00)About the Reverse for Purchase program (20:30)Mitchell's explanation of the loan process (28:27)Mitchell's vision for the future of the reverse mortgage industry (35:31)Connect with Mitchell LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you know what a benefits broker's role is? Whether you are an employer or an employee, benefits brokers are there to help save you money and get you the best benefits plan possible. In this eleventh episode, I am joined by Cerrina Jensen to talk about her role as an Employee Benefits Consultant & Benefits Broker. Cerrina is passionate about empowering and educating employers to teach them how to navigate the healthcare system and deliver better benefits for their employees. Throughout this conversation, Cerrina shares the top reasons why employers should look at working with a benefits broker, what her company's mission is, and how she is working to empower and educate women in the industry. Cerrina is a longtime friend and I am so excited for you to hear her background and how she is stepping up as a female leader. Tune in to this episode of On Life With Helen to learn what the role of a benefits broker is and how they can serve you as a company and an employee! In This Episode, You Will Learn:About Cerrina's background and her new career pivot (2:07)The top reasons why employers should look at a benefits broker (7:43)About Cerrina's passion project (21:45)How Cerrina's company is opening up their plan to people outside of the insurance industry (29:34)Cerrina's advice for young professionals (35:10)Resources Mentioned: Book - Pancakes for Roger: A Mentorship Guide for Slaying Dragons Connect with Cerrina LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you have someone in your life that is struggling with their mental health? In this tenth episode, I am joined again by the wonderful Renee Balcom, a health advocate advisor, to talk about Mental Health 5150. Understanding what a Mental Health 5150 is important so you are prepared if you ever find yourself in a situation with someone who is not in a stable state of mind and are concerned for your or their safety. Throughout this episode, Renee shares stories from her work with clients that she has had to call a 5150 for, what her advice is for when you need to call for a 5150, her steps for working with clients, and more. Tune in to this episode of On Life With Helen to learn what a 5150 is and when it would be appropriate to use! In This Episode, You Will Learn:Who Renee is (2:13)What the 5150 is and the situations it is applied to (4:30)Renee's advice for calling on someone with mental health distress (12:14)Renee's steps when working with clients (14:37)To look after those in your life (31:08)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas LanhamPlease note, this episode centers around discussions of involuntary holds due to psychiatric distress (as they are handled in California). To avoid confusion, we would like to clarify some of the information discussed. We talk about schizophrenia not aging into dementia. It's important to note that those with psychiatric disorders show a correlation with developing dementia later in life, however, these disorders don't develop into dementia. So, you can be schizophrenic and have dementia too, but schizophrenia doesn't manifest into dementia. Following that, we discuss 5150 holds. Please note that a 5150 can be extended up to 14 days but cannot exceed that. Additionally, code 5252 is mentioned as the next escalation after being on a 5250 hold. The correct code is actually 5300, which can be extended up to 180 days after the 14-day period stipulated by the 5250. Lastly, we make mention to the California “Welfare and Institutions Guide”, which is actually referred to as the “Welfare and Institutions Code”. Hosted on Acast. See acast.com/privacy for more information.

Have you considered getting a 10 year term of life insurance? In this ninth episode, I am talking all about the ins and outs of 10 year terms. A 10 year term is a great option for many people, but it is still important to know the important details so you can confidently decide if it is the best route to go. Throughout this episode, I talk about why business owners may want to look beyond the 10 year term, the benefits of having a 10 year term, what the accelerated underwriting process is, and the importance of staying compliant for annual exams. I share various case studies from clients that may be valuable to think about if you are considering a 10 year term. Tune in to this episode of On Life With Helen to learn if a 10 year term is the right life insurance option for you! In This Episode, You Will Learn:The upcoming guests and topics (1:58)What a 10 year term is (3:43)Scenarios from some of my clients (11:17)About accelerated underwriting (15:21)What it looks like when you have to go into full underwriting (21:03)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you feel unsure about what ‘s best for yourself or loved ones when it comes to healthcare? Connecting with a health advocate advisor is a great way to ensure that you aren't getting taken advantage of in the healthcare and long term care systems. In this eighth episode, I am so excited to share with you Part 2 of my conversation with Renee Balcom, a health advocate advisor. In Part 1, Renee shared what a health advocate advisor is, her process for creating a care plan for clients, and stories from her career. Throughout this episode, Renee talks about some of the case studies that she has worked on, the two pieces of information she wants every listener to know, how to best prepare for the later chapters of life, and more. Renee has spent over a decade consulting and providing services to families looking for care solutions for their loved ones. She helps people navigate the healthcare system, make informed care decisions, and cope with the challenges and strains of caregiving. Tune in to this episode of On Life With Helen to hear Part 2 of the conversation with health advocate advisor Renee Balcom! In This Episode, You Will Learn:About some of the case studies Renee has worked on (1:41)To advocate for the medical treatment our loved ones need (7:45)About the Right To Try law (12:32)Renee's tips for preparing to move into this chapter of life (18:15)The payment and services that come with working with a health advocate advisor (29:36)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Are you intimidated by the healthcare system? Or unsure about your doctor's recommendations? If so, it's worth reaching out to a health advocate advisor. In this seventh episode, I am so excited to be joined by Renee Balcom, a health advocate advisor. Renee has spent over a decade consulting and providing services to families looking for care solutions for their loved ones. She helps people navigate the healthcare system, make informed care decisions, and cope with the challenges and strains of caregiving. After realizing that overwhelmed family caregivers need a mechanism to quickly find appropriate and professional solutions, Renee created the Silver Lining Network & Directory. Throughout this episode, Renee explains what the job of a health advocate advisor is, stories from her career, and what it looks like to work with her. Tune in to this episode of On Life With Helen to hear Part 1 of the conversation with health advocate advisor Renee Balcom! In This Episode, You Will Learn:About Renee's background as a health advocate (2:16)How Renee connects with her clients (11:01)Renee's process to creating a care plan for her clients (16:48)Renee's experience discovering client neglect and abuse (19:09)How to get in touch with Renee (32:37)Connect with Renee Email ReneeSilver Lining Network & Directory Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you have a Medicare plan? Understanding the ins and outs of Medicare is extremely valuable in order to find the best plan for you. In this sixth episode, I am talking all about Medicare - something that all business owners and employees should be informed on. Throughout this episode I explain what Medicare is, how it can save money for both employers and employees, the three paths you can take with Medicare, the pricing of Medicare plans, and some helpful Medicare tips. I hope this episode helps to clear up any misunderstandings you have surrounding Medicare and highlights the benefits of Medicare plans. Tune in to this episode of On Life With Helen to learn my breakdown of Medicare! In This Episode, You Will Learn:What Medicare is (4:26)The three paths you can take if you have Medicare (6:18)The different costs for Medicare (14:18)How you enroll in Parts A and Parts B (20:00)Some helpful Medicare tips and information (24:30)Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What comes to mind when you reflect on the past 12 months? As the year wraps up, it's a great time to look back at all that you've accomplished and how you want to enter into 2022. In this fifth episode, I am sharing my reflections from the past year. While there is no denying that the past 12 months had its challenges, there was so much good that came from it as well. Throughout this episode I dive into what I loved about the past year, the different areas of my life that I've leveled up in, and the difficult events that I went through as well. I also provide my tips and suggestions on the different questions you can use to reflect and how to set yourself up for success in the next year. I encourage you to grab a journal and join me in reflecting on the past year. Tune in to this episode of On Life With Helen to learn the good and the bad from this past year and the lessons I'm taking with me into 2022! In This Episode, You Will Learn:What I loved about the past 12 months (2:08)How I've grown in the past year (6:21)The difficult things that happened over the past year of my life (8:50)Questions you can reflect on (12:43)How to build momentum for your goals (19:03)Resources Mentioned: Jack Canfield Coaching Dave Asprey Intermittent Fasting Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you have a long term care insurance plan? Many people often think that they do not need long term care insurance or assume it's included within their health care, which is not the case. In this fourth episode, I am talking about long term care and why it is important to have. I often hear from my clients that they already have a family member who can take care of them when they are older, but I think it is best to be prepared and purchase a long term plan. Throughout this episode I dive into the different long term care plans that you can choose between and what the benefits are for each one. I also explain how long term care can be used to help you in the future and provide what I learned when taking care of my mother in her older age. There are many different ways that long term care can be covered and it's important that you have all the facts so you can set yourself up for the best situation. Tune in to this episode of On Life With Helen to learn all about long term care options! In This Episode, You Will Learn:That your health insurance does not have components for long term care (3:05)The different ways that you can insure long term care (3:41)How long term care can be used (13:56)The reasons why people don't purchase long term care (16:19)Examples of assisted technology (23:03) Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Have you been unsure how to navigate your life insurance policy due to unique events? If you have a question, please seek guidance from myself or another professional in order to set yourself up for the best outcome! In this third episode, I am talking about the different events or situations that may affect your life insurance policy. Understanding how life insurance policies can affect the different aspects of your life can be confusing, but all it takes is asking the question to save yourself a big headache. Throughout this episode I talk about the ins and outs of policy ownership, share my advice if you need a policy quickly, provide three examples of compliance, and answer the questions that you emailed me. Tune in to this episode of On Life With Helen to learn my thoughts, advice, and examples on how to set yourself up for the best situation with your life insurance policy! In This Episode, You Will Learn:About ownership of a life insurance policy (2:48)My advice for you if you need a policy quickly (9:15)Three examples of compliance (14:45)My answers to listener emails (24:43) Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Are you a tobacco, nicotine, marijuana, or CBD user? When your life insurance agent asks you this question, it's important to be honest and upfront. In this second episode, I am explaining how using marijuana, CBD, tobacco, and nicotine will impact your life insurance policy. Being transparent with your life insurance agent or broker about the frequency of use is important to make sure that they can find the right carrier for you. Throughout this episode, you will learn the amount of smoking that will bump you to a smoker's plan, the variety of events that will require a policy review, examples of cases and clients that I have worked on, and what's to come for future episodes of On Life With Helen. Tune in to this episode of On Life With Helen to learn how marijuana and CBD may impact your life insurance policy! In This Episode, You Will Learn:The types of marijuana and CBD use that is acceptable (3:29)The life events that will require a change or review of policy (10:12)Examples of clients I have worked with (20:26)What's to come in future episodes (26:48) Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Welcome to On Life With Helen! I am so excited to help you start building your life toolbox so you are prepared for the future. In this first episode, I explain my background growing up, how I began my career, and where I have ended up today. After twenty years in the life insurance industry, I still wake up every morning with the same passion to help people understand what will work best for them and their future. Throughout this episode, you will learn my answers to the common questions about life insurance, the conversations to have with your life insurance agent, and what you should expect in upcoming episodes. Tune in to the first episode of On Life With Helen to learn how you can begin building your life insurance toolbox! In This Episode, You Will Learn:About my background (2:27)The most common questions I get asked (7:50)How hobbies and off time can affect your policy application (16:58)What to expect from this podcast (22:00) Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.