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FEMA

Emergency Declaration FEMA-3569-EM-MI Approved

• Approved August 28, 2021 for the state of Mississippi
• Requested August 28, 2021
• For Hurricane Ida during the period of August 28, 2021 and continuing
• Provides emergency protective measures (Category B), including direct Federal assistance at 75 percent federal funding for the counties of Adams, Amite, Covington, Forrest, Franklin, George, Greene, Hancock, Harrison, Jackson, Jefferson, Jefferson Davis, Jones, Lamar, Lawrence, Lincoln, Marion, Pearl River, Perry, Pike, Stone, Walthall, Wayne, and Wilkinson and the Mississippi Band of Choctaw Indians
• The FCO is Thomas J. McCool

• SUMMARY 3569-EM.pdf

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Freedomplus newsletter

August 2021

Visit Borrower Portal ›

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 Dashboard Invite Coming Your WayWe’ve been sending out invites for the new dashboard. Don’t worry if you haven’t gotten your invitation yet—you will soon! Just keep an eye on your inbox.

Once you have access to your new dashboard, you’ll be able to: 

• Sign up for automatic payments
• Easily add or change your payment method
• View past payments, upcoming payments, and account statements
• Add, view, and manage multiple loans

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 How Much Does Life Insurance Cost
(and How Much Do I Need)?Note: This is Part 2 of a three-part series discussing life insurance, how much it costs, and which type might be best for you with helpful resource links from Haven Life Insurance Agency (Haven Life). Don’t miss next month’s newsletter for Part 3!

A common roadblock that prevents people from buying life insurance is a misconception that it’s expensive. In reality, the majority of Americans tend to overestimate the cost of a term life insurance policy—sometimes by as much as five times the actual cost.¹

How much would a life insurance policy cost for you? It depends, but it’s probably not as expensive as you think. In this article, we’ll break down the cost of life insurance and how to figure out how much coverage you need.
Haven Term Sample Rates^*

20-year term life policy for a healthy, non-smoking 35 year oldDeath BenefitMale Monthly PremiumFemale Monthly Premium$250K$13.11$11.86$500K$20.72$17.50$750K$27.95$23.13$1M$34.08$29.03
20-year term life policy for a healthy, non-smoking 55 year oldDeath BenefitMale Monthly PremiumFemale Monthly Premium$250K$76.77$56.64$500K$151.05$109.56$750K$223.44$161.22$1M$296.79$216.69
Policy factors
The price you pay for life insurance depends on your policy, which can vary based on: 

• The policy type
• The length of policy
• Which add-ons (aka, “riders”) you choose 
• How much coverage you get—often called the “death benefit”

Generally, higher coverage, a longer term length, and more add-ons will raise the cost of a policy. Similarly, policies that cover you for the rest of your life (like whole life or other types of permanent policies) are more expensive than policies whose term ends after 10, 20, or 30 years.

Personal factors
You can easily get an online estimate of your cost from Haven Life. But in general, the insurance company that issues a policy you apply for will need to get to know you before giving you an exact rate. When calculating your final rate, most insurers will factor these categories: 

• Age
• Gender
• Medical records
• Family health history
• Prescription history
• Tobacco habits
• Lifestyle
• Occupation

These factors help the insurance company understand your health, which can determine your risk. Generally speaking, the younger and healthier you are, the lower your rates will be since you present a lower risk. Women also tend to pay less, since they have longer life expectancies than men.

Your lifestyle can affect your rate, too. Smoking carries a hefty price tag, as tobacco users pay considerably more for life insurance than their nonsmoking counterparts. High-risk hobbyists like rock climbers, scuba divers, and BASE jumpers will either pay more or be denied a policy altogether.

Traditionally, life insurance policies are medically underwritten. With a medically underwritten policy, the life insurance company often requires a medical exam which can include blood and urine samples, a blood pressure check, and other measurements of your health. Medical exams can lengthen the time it takes to get a policy, but might lower your rates if you’re relatively healthy. Sometimes, insurers will even waive the in-person medical exam if you’re healthy enough, which is the case for some Haven Termapplicants. But if you’re not interested in that extra step, you could look into a no-exam policy such as Haven Simple, which has slightly higher rates.

Figuring out how much coverage you need

There’s an old rule of thumb that says you should get five to ten times your annual salary in coverage, but that may not give you the most accurate estimate. You could also use Haven Life’s calculator to quickly figure out an estimate. To be the more accurate, you should calculate the expenses your dependents will need to cover in your absence, such as:

Debt
Do you have debt that would get transferred to a dependent? Perhaps you have private student loans, a mortgage, or your significant other cosigned on an auto loan. Add up all the debt that your dependents would need to repay without you.

Income replacement
If you want your dependents to keep their standard of living, you’ll need to account for your lost income. Take your annual salary and multiply it by the amount of years you want to replace your income for. As an example, maybe your spouse is a stay-at-home parent. In that case, you could multiply your salary by the number of years until your youngest is out of the house.

Higher education
If you plan on socking away money for your kids’ college expenses, tally that expected cost into the total as well.

Final expenses
Nobody likes this fact, but funerals and end-of-life preparations are expensive. In 2019, the median cost of a funeral with a viewing and burial was $7,640 ($5,150 for cremation).²Unless your family wants to go DIY with your burial (which is technically possible), you might want to account for these costs.

What if I have life insurance from my work?

Many people get coverage from their employer, which is a nice perk (and it’s often free). Unfortunately, it’s often not enough coverage for your dependents, especially if you plan through all the scenarios above. And if you leave your employer, you leave that insurance behind too, unless you want to pay a high price to convert it to a permanent policy that you can take with you.

If for some reason you can’t get an individual life insurance policy (like if you’ve been denied a policy because of health), your employer might be the best place to get life insurance. Group policies aren’t medically underwritten, so people who might not otherwise get coverage could up their coverage amounts through work.

How do I decide which life insurance is best for me?

In the final post in this series, we’ll dive deep into the biggest differences between term life insurance and whole (or permanent) life insurance. That way, you can make an informed decision about your life insurance and, once you get a policy, rest easy knowing you made the right choice.

Footnotes

• LIMRA, “2020 Insurance Barometer Study,” 6/2/2020
• NFDA, “Statistics,” Accessed 7/23/21

^*These quotes don’t apply to applicants in CA, DE, NY, ND and SD.

As part of our affiliate partnership with Haven Life, we may receive compensation if you visit their site.

Haven Term is a Term Life Insurance Policy (ICC21 Haven Term in certain states, including NC) issued by C.M. Life Insurance Company (C.M. Life), Enfield, CT 06082. In New York (DTC-NY), California (DTC-CA), and other states it is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001.

Haven Simple is a Simplified Issue Term Life Insurance Policy (ICC20 HAVEN SIMPLE in certain states, including NC) issued by C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.

Issuing the policy or paying its benefits depends on the applicant’s insurability, based on their answers to the health questions in the application, and their truthfulness.

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 Refresh Your Budget for a Post-COVID EconomyThe pandemic changed the world and the financial landscape as we knew it. As such, the budget you created pre-COVID might not hold up very well in a post-pandemic economy.

Granted, there’s uncertainty with new variants of COVID, but in general, businesses are reopening and normal activities are resuming. That means now is the perfect time to revisit and refresh your budget.

Here are a few things to watch out for—both in the economic landscape and your financial habits—as you modify your budget for the “new normal.”

Shortages

First it was toilet paper, but now it seems like pretty much anything could suddenly be hard to find. And when you find it, it’s more expensive than normal. These shortages shouldn’t be permanent, though. More likely, the supply chain just needs to catch up with an increased demand.

What does this mean for your budget? Try to be flexible, especially with the uncertainty of new outbreaks. When there’s a shortage on an item that’s causing a price increase, see if you can hold off on purchasing it until the shortage is over. It’s not possible for everything, but when you can avoid buying a nonessential item, you’ll pay a much fairer price for it once the supply reaches equilibrium with demand.

Real life example: Used and new cars are selling far above MSRP because of a major supply shortage. If you don’t absolutely need a car right now, see if you can hold off buying one until prices get back to normal—it could end up saving you thousands. (On the other hand, if you have an unused car lying around, now’s the time to sell!)

Inflation

It’s no secret: things generally cost more than they used to. On top of watching out for shortages that increase prices temporarily, you need to prepare for the inflation that increases prices in the long run. For example, experts speculate that essentials like food, gas, and rent could be more expensive from now on due to inflation.

If you haven’t done it in a while, track your spending over the next few months. If you notice specific categories getting more expensive than before but you aren’t changing your spending habits, you might need to pad extra room into your budget for the essentials and reevaluate how much you allocate to nonessentials. You could also ask your employer for a cost of living raise if they don’t automatically offer one.

Return-to-normal habits

Saving money was a lot easier when everything was closed. But now that restaurants, theaters, and other businesses are starting to resume normal hours again (at least for now), you might be spending a lot more than before—including before the pandemic.

Some of that is to be expected; It’s normal to want to splurge after holding back for a while! In your budget, you should allocate some money for eating out or entertainment—just be responsible about it. Prices for eating out and entertainment are higher now; make sure they still fit in your spending plan with your other goals of saving or paying down debt.

Lifestyle creep

With life getting back to normal, you might notice yourself making more purchases purely for convenience. Getting lunch out or coffee on the way to work aren’t economical, but they make life easier. Make sure to track how much you’re spending on these convenience purchases and set limits since they can add up over time.

But budgeting isn’t just about cutting back and enduring on less. You might want to intentionally set aside more money for other categories. After a rough year, the best decision could be to take that vacation that you had to put off. Or the gym membership you cancelled could give you the human interaction you missed out on while working out at home.

The point is, you’re likely to make more purchases that you didn’t account for during the pandemic. Make sure they fit within your budget too!

In this rapidly changing economy, being flexible and responding to change could be the most important thing you do for your finances. It’s easier said than done, but in the long run, learning to be responsive to sudden changes in the economy can help you keep financial stability—regardless of what’s happening in the world.   Hyperlinks within this newsletter article will direct you to a third party website. The information presented within this email is for general informational and educational purposes only. Any information contained in this email is not intended, and should not be construed, as legal, investment or financial advice. Your review of this newsletter or use of information contained herein does not constitute or create any relationship between you and Freedom Financial Asset Management, LLC (“FFAM”), or any of its affiliates or partners, and you have sole responsibility for evaluating the information contained in this communication and any decisions you make based on such information. Although the material contained in this email was prepared based on information from public and private sources that FFAM believes to be reliable, no representation, warranty or undertaking, stated or implied, is given as to the accuracy of the information contained herein, and FFAM expressly disclaims any liability for the accuracy and completeness of information contained in this email and/or the associated hyperlinks. You should contact your attorney, financial advisor, accountant or other financial professional to obtain advice with respect to any particular issue or problem discussed herein.Privacy Policy| Unsubscribe

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The information presented within this email is general in nature and is suggested to be used as a starting place for your own research and due diligence. Any information contained in this email is not intended, and should not be construed, as investment or financial advice. Your review of this newsletter or use of information contained herein does not create any fiduciary relationship between you and Freedom Financial Asset Management, LLC or its partners and you have sole responsibility for evaluating the information contained in this communication and any decisions you make based on such information.

Corrected: Gosar on Afghanistan Attack: “We mourn the loss…

Contact Me  |   Media Center  |   Our DistrictFor Immediate ReleaseContact: Jessica LycosDate: August 27, 2021jessica.lycos@mail.house.gov

Corrected: Gosar on Afghanistan Attack: “We mourn the loss of life and Strengthen Our Resolve to Get our People out of Afghanistan”

PRESCOTT, AZ – Congressman A. Paul Gosar, D.D.S. (AZ-04) issued the following statement in response to heartbreaking deaths of American servicemen and women in Afghanistan. 

“Today’s tragic death of at least a dozen service members is a reminder of how grateful we are for the selfless acts of courage our men and women in uniform exhibit every day.  I am incredibly grateful for their service to our country and my heart goes out to the families of the fallen who bravely gave their all trying to protect Americans abandoned in Afghanistan. 

We mourn the loss of life and strengthen our resolve to get our people out of Afghanistan.

While questions concerning the details of the terrorist attack remain, one fact is clear: the deaths of these soldiers are the direct result of Mr. Biden’s disastrous method of withdrawal of troops from Afghanistan.  This was wholly preventable.  Mr. Biden’s decision to pull American soldiers out before evacuating American citizens and equipment has sadly led to the predictable loss of American lives.  In 2019 the House Armed Services Committee was informed about the presence of ISIS-K.  The reckless manner this withdrawal was undertaken is nothing short of gross negligence and pure incompetence, and it has resulted in the panic and now death.  On top of $80 billion in lost military equipment. 

Instead of rescuing Americans, Mr. Biden has been illegally flying tens of thousands of Afghans into our country.  Congress has not authorized this massive illegal immigration airlift.  We will likely face terrorist events in our country because of Mr. Biden’s illegal and immoral transport of illegal aliens into our country.  I repeat my request: focus on getting our citizens and our troops out.   

Countless more American citizens remain stranded.  Mr. Biden must immediately inform the American people how he intends to safely evacuate ALL American citizens before others continue to be allowed to board American flights for safe haven to our country.  We cannot have any more loss of American life.   

Mr. Biden has demonstrated an incredible dereliction of duty in Afghanistan. I supported President Trump and Mr. Biden’s decision to get American troops out of the failed 20-year war in Afghanistan.  Biden rejected the Trump plan, a plan that was vetted and approved by everyone in the region and would not have abandoned our people and equipment there. 

Mr. Biden’s failure to get Americans out of Afghanistan in an orderly and safe manner is unconscionable.  As a result, today’s attack is the deadliest day in Afghanistan in over a decade.  Mr. Biden has recklessly ignored his duty as Commander in Chief and has gravely failed the America people.  For these and other reasons, Mr. Biden must be impeached.  His incompetence, violation of his oath of office to execute our laws faithfully, and his involvement with corruption in the Ukraine, require his removal from office,” concluded Congressman Gosar.

BACKGROUND:

On August 26, 2021, the United States was attacked by a terrorist group called ISIS-K using at least two suicide bombers.   At the time of this writing, 12 U.S. soldiers were killed and another 15 injured.  In addition, another 60 people were killed and 140 wounded.  The Biden administration was warned for over a week of the terrorist threat at the airport but Mr. Biden did nothing to prevent this.   In addition to failing to get U.S. citizens out of Kabul, Mr. Biden has focused on illegally and immorally transporting tens of thousands of Afghans to the U.S.   He has literally put Afghans first over U.S. citizens, and now we have suffered the most one day casualties in over a decade.

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Gosar Slams Mr. Biden’s Decision to Cancel Crisis Response…

For Immediate ReleaseContact: Jessica LycosDate: August 27, 2021jessica.lycos@mail.house.gov

Gosar Slams Mr. Biden’s Decision to Cancel Crisis Response Bureau While Taliban Advanced Across Afghanistan

Prescott, AZ – Congressman Paul Gosar, D.D.S. (AZ-04) issued the following statement after sending a letter to Secretary of State Antony Blinken in response to reports that the Biden administration dissolved the Contingency and Crisis Response Bureau (CCR), a unit within the Department of State tasked with rapidly evacuating Americans who came into harm’s way while overseas.

“Just as the Taliban was beginning its march across Afghanistan, the Biden administration shockingly canceled a program designed to provide logistics, medical, and airlift support to protect American’s overseas in connection with evacuation efforts.

Now, American servicemen and women are dead and countless Americans remain trapped behind enemy lines, stranded in Afghanistan and Mr. Biden cannot guarantee their safe withdrawal. 

The CCR was designed to prevent this very catastrophe from occurring. Canceling this program at a time when the Biden administration should have been finalizing well thought out plans to remove our citizens from Afghanistan is, to be perfectly blunt, idiotic. This combined with Mr. Biden’s disastrous troop withdrawal in Afghanistan leaves no question that Mr. Biden is not fit to hold the highest office in the land and should be impeached,” concluded Congressman Gosar.

Click here to read a copy of the letter I sent to Secretary Blinken. 

###

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