✅ Some Proposed Topics We Can Cover (Check All That Apply):

Updates on your personal or family, and financial situation

Review or update of beneficiaries (incl. avoiding naming minors)

Living benefit rider review (chronic, critical, terminal illness. Some clients outside of NY might be eligible for adding an Alzheimer's rider for policies issued before .......)

Possible policy improvements and rate reduction (non-smoker status, improved health)

Coverage for spouse, parent, or children (we recommend every member of the family to carry at least some life and living benefit protections)

Full or partial Term policy conversion into permanent insurance: NLG has 2 great options -Whole life and Indexed Universal Life (should be chosen and tailored to your individual preference for risk and budget)

Children's protection or college funding (cash value life insurance is a great way to offer same valuable protection for your children, while also accumulating cash value which can become a great asset for the child later in life)

Income protection (long-term disability) or long-term care planning (people as early as 40 can start planning)

Retirement planning options (tax-advantaged income strategies)

Estate planning: wills, POA, guardianship, living will

Medical, dental, vision, or critical illness coverage

Other questions or updates you'd like to share (please write here)

📅 How to Schedule

You’re welcome to meet by:

📞 Phone
💻 Zoom
🏢 In person at my Brooklyn office:
1501 Voorhies Ave, Brooklyn, NY 11235 Upon receipt of your answers I, or my associate will reach out to schedule the time with you, or please use this self -scheduling option:

👉 Click to Schedule

I’m looking forward to reconnecting and being your trusted resource as life evolves.

Wishing you and your family good health, happiness, and clarity in your financial journey.

Warmly,
Julia Barinova
Licensed Insurance Advisor | National Life Group