Essential Insurance Financial Group

Specializing in offering Medicare options for seniors, custom financial plans to reach retirement goals, assisting homeowners and business owners to find the right insurance coverage to protect against an unfortunate risk.

Free quotes on homeowners insurance from multiple carriers so you can get the best rate.

medicaremadeclear.com

Medicare Costs, Coverage, and Benefits | Medicare Made Clear

Are You turning 65? Not sure which medicare is right for you? We Can help! Did you know that the parts of Medicare can be combined in 7 different ways to provide health care coverage.

Contact us today and let one of our medicare experts guide you to selecting the right healthcare plan.

504-265-0480

https://www.medicaremadeclear.com/basics/medicare-coverage-and-costs?fbclid=IwAR0ZGL6r3rZA9ga6TVEMyQlMfLuGj9PM5nfxihM3QZa_Qyp32slYDRALiBk

medicaremadeclear.com Medicare costs, coverage, & benefits can vary wildly. Understanding them can help you select the plan that's right for you and help you save on health care expenses.

Do you have both of these Cards? If so...We can help!! Did you know that there are plans available to offer hospital and doctor services as well as extra benefits such as dental services. Not sure which medicare advantage plan is right for you, let one of our experts answer all of your questions.

Contact us today to see if you qualify....

504-265-0480

medicaremadeclear.com

Medicare Costs, Coverage, and Benefits | Medicare Made Clear

Are You turning 65? Not sure which medicare is right for you? We Can help! Did you know that the parts of Medicare can be combined in 7 different ways to provide health care coverage.

Contact us today and let one of our medicare experts guide you to selecting the right healthcare plan.

504-265-0480

https://www.medicaremadeclear.com/basics/medicare-coverage-and-costs?fbclid=IwAR1EYKAJHBalPUdZr0A1cUnc_fBndIqHyCC7olhzKV5HR-zhsdu5NLh7EXQ

medicaremadeclear.com Medicare costs, coverage, & benefits can vary wildly. Understanding them can help you select the plan that's right for you and help you save on health care expenses.

Essential Insurance Financial Group

Turning 65? What You Need to Know about Signing up for Medicare

Let the Experts at Essential Insurance Financial Group, LLC help you navigate making one of the most important decisions...making sure that you select the RIGHT medicare plan that suits all of your medical needs. We can help you understand Parts A,B,C and Part D prescription drug plans as well as Medigap or Medicare supplemental plans.

Call us, email us, message us, or come stop by for a visit to
discuss.

504-265-0480
[email protected]
[email protected]
www.essentialifg.com

Turning 65? What You Need to Know about Signing up for Medicare

Let the Experts at Essential Insurance Financial Group, LLC help you navigate making one of the most important decisions...making sure that you select the RIGHT medicare plan that suits all of your medical needs. We can help you understand Parts A,B,C and Part D prescription drug plans as well as Medigap or Medicare supplemental plans.

Call us, email us, message us, or come stop by for a visit to
discuss.

504-265-0480
[email protected]
[email protected]
www.essentialifg.com

Home insurance rates too high?

If you are paying more than $1400 per year for homeowners insurance and you live in the Metairie, Kenner and New Orleans surrounding areas, you could definitely be overpaying.

We Represent dozens of top-rated companies that write insurance in Louisiana and that have has several rate decreases. These rates are always changing. If you haven't shopped your home insurance coverage recently, you could be missing out on HUGE savings.

We can shop your policy to find you the best rates.

Call us, email us, message us, or come stop by for a quick quote on your home insurance.

504-265-0480
[email protected]
[email protected]
www.essentialifg.com

Estimated Social Security Income Calculator | Mutual of Omaha

Depending on your current earnings, Social Security can be a significant part of your retirement income. Find out what your approximate Social Security benefit may be.

https://www.mutualofomaha.com/advice/calculator/social-security-retirement-income-estimator?fbclid=IwAR2E7HJK8ggiaVlT-D1xBTmnSNVslvm9d9jubmsFluBJjLCiBYWlduPqFik

mutualofomaha.com In preparation for retirement, it is essential to know all your sources of income. Use our Estimated Social Security Income Calculator to help plan ahead.

God Bless America!! Have a safe and Happy 4th!!!!

medicarefaq.com

Medicare Advantage Plans for Disabled Individuals| MedicareFAQ

Medicare Advantage Eligibility for Disabled Individuals:

If you’re under 65 and receiving Social Security or railroad retirement benefits because of a disability, you will automatically be enrolled in Medicare after you have received benefits for 24 months. There are two specific conditions that can make you eligible for Medicare sooner:

* If you have ALS, also known as Lou Gehrig’s Disease, you’re automatically enrolled in Medicare the month your benefits begin.

*If you have end stage renal disease, you can contact the Social Security Administration to enroll in Medicare.
In general, if you’re eligible for Medicare, you can choose to enroll in a Medicare Advantage plan, regardless of your health.

People with end stage renal disease are the exception – you cannot enroll in most Medicare Advantage plans, but you may qualify for a different type of Medicare Advantage plan known as a special needs plan. Also, if you have had a Kidney transplant and no longer need to have dialysis, you are eligible to enroll.

The experts at Essential Insurance Financial Group, LLC can help guide you in selecting the plan for your health care needs.

Call today 504-265-0480

https://www.medicarefaq.com/faqs/medicare-advantage-for-disabled-individuals/

medicarefaq.com Medicare Advantage Plans for disabled under 65 can provide a combination of good benefits and low premiums. Find out more about plans and eligibility here.

Home insurance rates too high?

If you are paying more than $1400 per year for homeowners insurance and you live in the Metairie, Kenner and New Orleans surrounding areas, you could definitely be overpaying.

We Represent dozens of top-rated companies that write insurance in Louisiana and that have has several rate decreases. These rates are always changing. If you haven't shopped your home insurance coverage recently, you could be missing out on HUGE savings.

We can shop your policy to find you the best rates.

Call us, email us, message us, or come stop by for a quick quote on your home insurance.

504-265-0480
[email protected]
[email protected]
www.essentialifg.com

greatist.com

24 Tricks to Survive Hot Summer Nights (Without AC)

We’ve all been there—tossing and turning in bed, struggling because our sweat has us practically glued to the sheets. It. Is. Awful. There are few things worse than trying to catch some shut-eye (or even just relax!) in an incredibly hot, sticky room. But brutal summer temps are unavoidable for most of us at some point in the year. So how to cool down a room without AC?

https://greatist.com/happiness/tricks-to-sleep-in-the-heat?fbclid=IwAR2pJjRd567EcRdEV3p1AeunuZtjdFcd3zpokxh8fCchTUfX7ZdT7dATJls#1

greatist.com Getting a good night’s sleep when you're overheated can be tough. Here's how to cool down a room ASAP.

healthline.com

10 Natural Ingredients That Repel Mosquitos

In South Louisiana we have to put up with these aggravating bugs, People are usually prone to mosquito bites due to a combination of scent, light, heat, and humidity. If you’re a mosquito magnet, these natural repellents may be a good option.

https://www.healthline.com/health/kinds-of-natural-mosquito-repellant?fbclid=IwAR1XIiQHgpf0NDFcB4f9I88hYHMflkEj489dR5WbJtxFEfmrtY75ZdtjTTk

healthline.com Most commercial bug repellents can cause health and environmental problems. Learn about natural repellents that actually work.

foxbusiness.com

Social Security: What is the best age to begin collecting?

Have you ever wondered how the FICA tax information on your pay stub impacts your future retirement benefits?

https://www.foxbusiness.com/personal-finance/social-security-age-retirement

foxbusiness.com Here’s a list of some little-known Social Security benefits. Putting your knowledge to good use can make a big difference in your retirement income.

essentialifg.com

Insuring Metairie & Louisiana | Essential Insurance Financial Group, LLC

If your homeowner’s or property insurance has recently gone up or you’re currently with Louisiana Citizens FAIR Plan or another high premium provider; you may be paying too much. That higher premium policy could be replaced with quality, less expensive coverage.

If you have property in the following zip codes, we have carriers that are now writing new policies.

70070 70079 70087 70001 70122 70065 70002 70053 70073 70003 70054 70094 70004 70055 70096 70005 70069 70121 70006 70060 70123 70009 70062 70124 70063 70068 70064 70037
70115 70116 70117 70118 70119 70131 70072 70056 70047 70057 70047 70435 70433

Keep in mind....Louisiana Dept of Insurance has approved insurance rate increases for SOME property
insurance companies. Others have reduced rates. If your renewal has a significant rate increase or if
you would like us to compare your policy with other companies, now is the time to call, (504) 265-0480 or go to our website www.essentialifg.com, to make the request.

essentialifg.com Essential Insurance Financial Group, LLC provides Homeowners, Flood, Business, life insurance, Medicare, Employee Benefits, and Financial Services for Metairie and all of Louisiana.

dailynaturalremedies.com

9 Home Remedies for Allergies | Daily Natural Remedies

Spring is here and so are the seasonal allergies that come along with it. Check out these 9 home remedies to help you fight the symptoms.

https://dailynaturalremedies.com/9-home-remedies-for-allergies/?fbclid=IwAR2mNSSY5w8TqVIdyhfIEp2rpOr9UogaEkqJ0KO56ehocbfMjshIpVqXTLY

dailynaturalremedies.com 9 Home Remedies for Allergies Whether your allergies have been set off by dust, pollen or a friend’s pet, it can be troublesome finding a way to get rid of the symptoms. There are of course countless products available over the counter, but if you’re a fan of natural remedies or you’re just lo...

blog.medicarerights.org

Updated Federal Poverty Guidelines Announced - Medicare Rights Blog

There are new federal poverty guidelines that can impact eligibility for Medicare financial aid programs. Read more here:

https://blog.medicarerights.org/updated-federal-poverty-guidelines-announced/?fbclid=IwAR1dGmAVCbk1EKQ4E87V6ms8-PM8s63faryOPA6x-omvn4AM_FDmViJ-goA

blog.medicarerights.org Each year, the Department of Health and Human Services (HHS) updates the federal poverty guidelines, which are then used to determine eligibility for programs including Medicaid, the Low Income Subsidy for Part D (LIS), and Medicare Savings Programs.

retireyourrisk.org

www.retireyourrisk.org

We spend most of our lives budgeting on a monthly basis. That shouldn’t stop in retirement. Read more about how income planning can help determine whether protected lifetime income is right for you:

https://www.retireyourrisk.org/article/expert-series-experts-on-annuities/?utm_source=organic_social&utm_medium=facebook&utm_campaign=traffic&utm_content=0415-traffic

retireyourrisk.org Learn more about retiring your risk and providing yourself a lifetime income by visiting us at, allianceforlifetimeincome.org.

Alliance for Lifetime Income

We’re excited to partner with Women's Institute for a Secure Retirement (WISER) this Women’s History Month! Women face unique challenges in preparing for retirement, including longer life expectancy, and for many women, Social Security doesn’t provide enough income to cover their expenses. We’re proud to work with WISER to educate women about how protected lifetime income can help.

Alliance for Lifetime Income

Questions about retirement? Concerned about the possibility of our living your savings? We can help!! Contact one of our advisors today to help you plan out your retirement.

There’s a lot of worry associated with having to plan for income that will last the rest of your life. Annuities can help to reduce the risk — and the worry — that comes with outliving your savings. Hear more from Seth Harris, Alliance Research Fellow.

irs.gov

401(k) contribution limit increases to $19,000 for 2019; IRA limit increases to $6,000 | Internal Revenue Service

The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased from $18,500 to $19,000.

The limit on annual contributions to an IRA, which last increased in 2013, is increased from $5,500 to $6,000.

Questions about your retirement plan, contact us and let us help you navigate the the road to retirement.

https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19000-for-2019-ira-limit-increases-to-6000

irs.gov IR-2018-211, November 1, 2018 — The Internal Revenue Service today announced cost of living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2019.

From ordinary issues to extreme circumstances, our #SmallBusiness insurance will provide you with customized coverage to prepare your business for the worst. You built it, let us help you protect it!! Learn to plan from the Best!!

blog.medicaremadeclear.com

5 Savvy-Shopper Tips to Help Get the Most from Medicare | Medicare Made Clear

Maximizing your Medicare benefits may help you save money and could help improve your health as well. Here are five tips to help ensure you’re getting the most out of your Medicare coverage.

https://blog.medicaremadeclear.com/5-savvy-shopper-tips-help-get-medicare-2?fbclid=IwAR1sM43EC_EZ0W9--12JMK2KQ6S35P_YLD-SKl1C8zOnXX_vGZregdiYPCQ

blog.medicaremadeclear.com You work hard to find Medicare coverage based on your health care needs and budget. Make sure you understand and use the benefits it provides.

medicare.gov

Get Medicare’s new “What’s covered” app! | Medicare

Medicare’s free “What’s covered” app delivers accurate cost and coverage information right on your smartphone.

https://www.medicare.gov/blog/whats-covered-mobile-app?fbclid=IwAR0j4ctiugo1-_ML1Mo7FDeG-gpwp3qs7tZDf6vMzDVXZDDRXp4STNWMZc0

medicare.gov Member for 8 months 1 week Submitted by admin on Mon, 01/28/2019 - 08:45 Not sure if Medicare will cover your medical test or service? Medicare’s free “What’s covered” app delivers accurate cost and coverage information right on your smartphone. Now you can quickly see whether Medicare cover...

cnet.com

How to keep your house warm this winter

Make sure your home stays cozy all winter long. Check out these easy tips on ways to make sure your home stays warm this winter.

https://www.cnet.com/how-to/how-to-keep-your-house-warm-this-winter/?fbclid=IwAR0CJbaR5MdUkMpVBPUn9uR_qZeJJpd3OTyacc65CSnZce3xn_yL8yxBXk8

cnet.com Make sure your home stays cozy all winter long.

7 Ways to Pay Off Your Mortgage Early

Check out these seven ways to accelerate your final mortgage payment without breaking a sweat.

http://blogs.mutualofomaha.com/articles/2017/06/27/7-ways-to-pay-off-your-mortgage-early/?fbclid=IwAR1WQb1eqRU2V4G_FaxT8E5OYGnRaPVgGdnOK65OGn_bSwcyve8mlX6p-T0

blogs.mutualofomaha.com Paying off your mortgage years ahead of schedule may seem impossible, but it’s much easier than you think. Here are seven ways to accelerate your…

GO SAINTS!!!!!!!

kiplinger.com

8 Tax Deductions Eliminated (or Reduced) Under the New Tax Law

Getting ready to begin tax preparations, pay attention to these 8 deductions that ate no longer allowed or reduced

https://www.kiplinger.com/slideshow/taxes/T054-S010-8-tax-deductions-affected-by-the-new-tax-law/index.html

kiplinger.com You could end up paying more in taxes on your next return because some popular deductions were killed or cut.

kiplinger.com

9 Things Retirees Should Never Keep in Their Wallets

9 Things Retirees should never carry in their wallets

https://www.kiplinger.com/slideshow/retirement/T048-S001-things-retirees-should-never-keep-in-their-wallets/index.html

kiplinger.com You've worked hard to build your retirement nest egg. Don't let a lost or stolen wallet turn you into a victim of identity theft, tax fraud or other financial scams.

kiplinger.com

7 Things Medicare Doesn't Cover

7 Things that Medicare doesen't cover

https://www.kiplinger.com/slideshow/retirement/T039-S001-7-things-medicare-doesn-t-cover/index.html?rid=EML-wealth&rmrecid=1883894868

kiplinger.com Medicare Part A and Part B, also know as Original Medicare or Traditional Medicare, won't cover all of your medical needs in retirement. Here's what you need to know.

everydayhealth.com

11 Easy Exercises You Can Do Today

Staying active can keep you feeling and looking your best — at every stage of your life. An active lifestyle is especially important for senior health because regular exercise can help prevent heart disease, diabetes, and certain forms of cancer, and it can also reduce pain associated with arthritis.

https://www.everydayhealth.com/senior-health-photos/exercise-ideas-for-seniors.aspx?fbclid=IwAR0G1CVAAtRle76_h1oA7o7szE7-nrmJd1fg3n6ua6rXM4SH-0t3FGFwQrQ

everydayhealth.com Exercise can keep seniors strong and healthy. Learn how low-impact exercises, strength training, and aerobics all benefit senior health.

Our Story

Essential Insurance Financial Group, LLC was founded to bring professional knowledge and experience and a vision to provide our local communities with the necessary, i.e., “ESSENTIAL” Insurance and Financial Services we all need. As an Independent insurance agency, we are not tied to any one company, product or provider. Which means we work for YOU! We specialize in educating seniors on their Medicare choices, assisting homeowners to find the right coverage for their residence, providing business owners with the necessary resources to protect the risk that their business may face and building custom financial plans to assist people in reaching their retirement goals. We are able to bring together the necessary resources based on your unique needs and deliver them with objectivity and personal service. Please visit our website www.essentialifg.com or call 504-265-0480 to learn more.

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Location

Telephone

Address


3445 N Casuseway Blvd Suite 903
Metairie, LA
70002

General information

Our advisors have over 25 years experience providing guidance and valuable financial solutions with an extensive menu of services to meet the needs of clients in varying stages of life. The Advisory Team works with annuity owners, as well as those considering the purchase of annuities, to help them understand the features and products available, potentially avoid paying unnecessary taxes, help increase retirement income, and circumvent simple mistakes that could cost their beneficiaries thousands of dollars. We offer assistance with Medicare, life and long term care insurance, disability, financial plans to reach retirement goals, property and casualty, as well as overall wealth preservation strategies. We have agents available to help now! Contact us with any questions you may have regarding your current coverage, and let us help you get the coverage right for you at a price you can afford.
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RBR Benefit Services, Inc. RBR Benefit Services, Inc.
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Arnold Goldberg - HealthMarkets Insurance Arnold Goldberg - HealthMarkets Insurance
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Paulin Insurance Associates, LLC Paulin Insurance Associates, LLC
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