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Drinking Enough Water?

March 17, 2026 By Insurance Experts

What are the signs that you aren’t drinking enough water? Does dehydration hurt you? Watch this video for some good answers.

Filed Under: Healthy eating

Could You Repeat That?

March 15, 2026 By Insurance Experts

How often do you ask people to repeat what they just said? Or get asked to repeat something yourself? If you find yourself in either situation, the cause could be either the speaker or the listener.

The month of May is dedicated to promoting better hearing and speaking, both of which are affected by medical conditions. First, let’s look at speech.

Dysphonia, commonly called hoarseness or raspy throat, is a common complaint affecting nearly one-third of our population at some point in life. Causes range from history of tobacco use to patients who are professional voice users. A more serious cause is head and neck cancer.

The other side of the conversation is hearing. Throughout the world, otolaryngologists (surgeons who do head and neck surgery) are recognizing the importance of hearing loss prevention with early detection and intervention.

Conversations are tough when there’s a lot of background noise or you’re interrupted frequently. However, if you or whoever you’re talking to requires repetition under quiet circumstances, it’s time to see if medical intervention is needed.

We are social animals and conversations are one of the best ways to enjoy each other’s company.

For more information, visit www.entnet.org It’s the site for the American Academy of Otolarngology.

Filed Under: Illness

D I M E Financial Calculation

March 13, 2026 By Insurance Experts

Questions to help you gauge how much your family would need in the event of your becoming Critically, Chronically, or Terminally ill, or Dying.

D. (Debts): This is referring to any debts that you might have outside the mortgage (car loan, credit cards, student loans, etc.) If we were going to write you a check to pay off all debts (excluding your mortgage) how much would that check be for?

I. (Income Replacement): After paying off your debt, if we could bring your family a check every month to cover normal living expenses—how much would that monthly check need to be? And, for how many years?

______________Monthly Amount x12 x _____________Years=

M. (Mortgage Protection): What is your current balance that you owe the bank for your mortgage?

E. (Education): What do you feel would be an adequate amount to set aside for you children’s education ($50,000, $100,000)? What is the approximate amount that you have established in college savings?

E. (Expenses—Final): On average, we allocate around $10,000-$15,000 to cover final expenses. Does that see reasonable?

Filed Under: Critical Care Supplemental, Health Insurance

How A Good Night’s Sleep Fights Diabetes

March 11, 2026 By Insurance Experts

When it comes to diabetes, information tends to focus on diet and exercise. But did you know the quality of your sleep is just as crucial as what you eat and how much you move?

You see, sleep problems and diabetes often go hand in hand. Diabetes is known to cause sleep loss. Now there’s evidence that poor sleep increases your risk of developing diabetes. Here’s how it works…

Your body uses sleep time to restore and repair muscle and tissue. Glucose is the food and energy to accomplish this. In order to reach the cells, it needs insulin to “transport” it around your body. All this works best when your body is completely relaxed. However, lack of good sleep hinders insulin production and as a result, glucose levels build up. Eventually it gets to the point where it harms your eyes, kidneys, nerves or heart.

Good quality sleep allows your body to do its best work; therefore getting enough of it every day is one of your best defenses against diabetes.

Filed Under: Illness, Prevention

Volunteering – Just How Did We Get Started?

March 9, 2026 By Insurance Experts

Many historians believe the origin of volunteering came from the early colonists. To get through the challenges that come with relocating, support groups evolved to make it easier. Remember, they didn’t have the services we take for granted today. Families had to pack up, start farms and get through daily tasks on their own. Survival depended on helping each other out.

Benjamin Franklin started the first volunteer firehouse in 1736. Then, during the Revolutionary War, volunteers boycotted British products and funded war efforts to show their philanthropic patriotism.

Starting in the late 1980s, the trend in teenager volunteerism has increased. Educational and youth services organizations urge and continue to encourage their participation.  Not to be outdone, adults, 65 and older, are jumping in as well. Longer life expectancies and healthier bodies give them the opportunity to do more. Conversely, current research suggests regular participation improves their physical and mental health. It’s a classic win-win.

Richard Nixon established National Volunteer Week in 1974. Since then it’s become a well deserved celebration and recognition of what volunteers contribute throughout our country.

Filed Under: Health Insurance

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