Kwame Tyler- State Farm Agent

Quick health plan question before open enrollment: did you actually use your current plan this year? If you're regularly hitting your deductible, a different plan structure may fit better. If you barely used it, a different structure may fit better too. Either way, the right answer starts with looking at what actually happened.

Open enrollment for marketplace health plans starts November 1. If you're going to shop your plan this year, September is the right month to gather your current statements, prescription list, and provider list so the comparison is real. Happy to help organize that ahead of time.

The most overlooked decision on a life insurance policy: who the beneficiary is. Outdated beneficiaries are one of the most common preventable mistakes — ex-spouses still listed, kids not yet added, minor children with no guardian language. A two-minute review prevents months of family complications later.

Closing Q3. This summer, we talked with families about new homes, new kids, new jobs, new chapters. We helped some put life insurance in place for the first time. We helped others adjust what they already had. We had conversations. If you have been thinking about it and have not had the conversation yet, our door is open.

End of Life Insurance Awareness Month checklist:
• Pull out every life policy you own (work + individual)
• Confirm beneficiaries are current
• Check if amounts still match the household
• Note any policy anniversary dates

Thirty minutes once a year can prevent some painful surprises later.

Reviewing your health policy when life changes: marriage, divorce, new baby, job change, or moving to a new state all qualify as life events that may open special enrollment. You don't have to wait until November if any of those happened in the last 60 days.

Halfway through Life Insurance Awareness Month — the question we've been asking customers all week: "If you bought this policy 10 years ago, would you buy the same one today?" If the answer is no, it's probably time for a review. Coverage needs evolve faster than most policies do.

Quick health policy review checklist before open enrollment:
• Pull last year's medical claims summary from your insurer
• List any prescriptions you're on now
• Note any doctors you saw outside your primary care
• Check if those providers are still in-network for the plans on your shortlist

Thirty minutes here can save real money in January.

Life insurance isn't about you. It's about the people who count on you. Whether that's a partner, kids, aging parents, or a business partner — the question to ask is: if I weren't here tomorrow, who would feel it financially? That answer shapes the conversation. Want to walk through what that could look like for your household? Send a message.

Legacy is not only what you leave behind.
It is what you protect right now.
A strong legacy starts with simple decisions that help protect the people you love most. Your family, your income, your home, and your future all deserve a plan.
If you have been meaning to get your protection in place, this is your reminder. The best time to protect your family is before life forces the conversation.
Type Legacy in the comments if you want to leave one for your family and protect the people who matter most. I will reach out.
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