Hi Caralyn, My sister Carol, who helps me every year with the "Nail Tech Networking Event of the Smokies" in Gatlinburg, TN. does insurance & taxes for her career. Since I've had my beauty license since 1987 and we're very close sisters, she's intimately aware of what we in the beauty industry need. I've seen her go to bat for her clients (1 of them was a former salon owner I used to rent from) to help get their paperwork filed correctly in order to expedite their insurance claims.
Plus it's good to have someone who honestly cares about getting you signed up for what you need and can afford, not what will make the insurance agent the highest commission for that month. Carol can explain everything about insurance in an un-complicated way so that you know exactly what each policy is all about. That way there's no unpleasant surprises when you think you're covered for something, but then find out in a crisis that you are not! I personally have a disability policy & a critical illness policy, plus life insurance through Mutual of Omaha with Carol as my agent. In fact, I keep her contact info (below) up on my web site (www.jillsnails.com) under 'links' because I truly believe that what she offers is crucial. Right now as we speak, there's the paperwork to increase my critical illness policy by $150k (costs less than $100 per month for me....basically the amount of 2 dinners out per month) laying on my dining room table waiting for me to fill it out. Since both of our parents had cancer in the last 2 years, and each of them had a parent that also had a form of cancer, we feel it's in our best interest to lock in a policy now while we're healthy. Because you just never know what life has in store for you until you get that diagnosis...and then it's too late to qualify. Women usually outlive their spouses, which means that for many they will live well beneath the standards they were used to if their husband was the main bread winner & suddenly his paycheck is gone. I could tell you dozens of stories about people we personally know whose lives were impacted for the better or for the worse when life suddenly went in the wrong direction (be it illness, accident or death). 100% of them who didn't have the insurance they needed were for the worse. Just something to think about.......... Jill Wright Bowling Green, KY. (below is my sister's contact info & how she can help you) Carol Bates [email protected] Insurance and Tax Specialist- helping beauty professionals since 1995 251-675-8977 Disability insurance- especially vital for the self employed (can you live without your income?). Business Overhead Expense (BOE) insurance- covers your salon expenses if you are the owner (so your salon won't close if you suddenly can't work due to an illness or accident). Life insurance- all types (if you love your family you will provide for them when you are gone). Critical Illness insurance- pays a lump sum of cash if diagnosed with a major illness such as diabetes, cancer, heart disease (very useful if you can't qualify for disability insurance). Long Term Care insurance- so you can be cared for with dignity without having to sell your home and drain your bank account. IRA's and Annuities roll over a 401-k without being taxed - save for your retirement (social security was meant to supplement your income not be your income). Taxes- individual and self-employed income taxes for all states (finding LEGAL tax deductions for you by performing a personalized analysis of your tax situation). On Oct 24, 11:07 am, Caralyn Brown <[email protected]> wrote: > Ladies I know we have gone over this a thousand times but, when my phone > updated it didn't keep my saved emails (grrr). > I need info on insurance for our industry. Also, I know we have talked > about insuring our hands and arms too! > Any and all help is appreciated > > Thanks > Caralyn > Memphis > > Sent from Caralyn's iPhone -- You received this message because you are subscribed to the Google Groups "NailTech" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/nailtech?hl=en.
