Each of us will have a different definition of success and the definition will change as we go through life’s different stages.

For instance, when my children were babies, success meant being able to take a shower.

As they became toddlers, success meant being able to take a shower without being interrupted.

As they started to grow up, success meant making sure that they washed their hands before dinner.

As their eating habits changed, success meant making sure they ate healthy enough to give them the energy they needed to get through the day.

Now that they are grown men with families of their own, success is seeing them healthy, thriving, and enjoying their lives.

While meeting with individuals, families, and businesses for their Health, Medicare, and Life Insurance needs, it is important for me to take their view of what success means to them to heart.

A 34 year old single mother can barely think of a week from now, let alone thirty years from now.   Her needs and definition of success may be to keep her bills paid, keep her family healthy, and get a decent meal on the table.

A single father may view success as making sure his children have clean clothes to put on in the morning.

As our children grow and head off to college, success can mean making sure tuition is covered to help our sons and daughter excel.

Providing insurance gives so many people that I have the honor to work with success of their own.

A forty year old Father of two and self employed carpenter takes a fall and breaks his arm taking him out of work for six weeks.   Because he purchased both health and short term disability, not only did he get the proper physical therapy he needed to heal, but his family’s finances didn’t suffer.

A single Mother struggling to make ends meet is able to secure health insurance coverage for herself and two small children.   She does this using a subsidy and finally feels she will be able to afford to be able to get preventative care for herself and children.

A 52 year old man passes away suddenly leaving behind his wife and two college age children.   Because he purchased a Life Insurance plan when he was first married, his children can finish college.

A 67 year old woman calls to change her Medicare Advantage Plan to a Medicare Supplemental Plan.    She doesn’t want the restriction of a limited network because of her recent cancer diagnosis.

A 65 year old man is finally able to afford his medications because he now understands that he must use a Preferred Pharmacy to get the best co-pay prices for his medications.

Success for each of these clients depends on the insurance they purchased.

As a broker, some may say that my success depends on selling insurance products.   Although selling is how commission is earned, my definition of success is helping clients to understand the policies they purchase.

The last thing that I ever want is to know that a client is hurt or ill and has to use their health insurance plan.

Reality hits hard when I hear from a client letting me know that their loved one has passed away.

Success happens when you help others succeed with their reality.

For me, success means listening to a client’s goals and dreams.    It means being able to provide tools when bad things happen.

Whether you are a new Mother, a single Mother, a Father, a Grandfather, a new Parent, or newly married, your goals and dreams are important to you.

Because they are important to you, they are also important to me.

As we work together as a team, we can help you protect every goal, dream, and your definition of success.

Because alone we can do so little, together we can do so much.




Terri Trepanier is the owner of Balanced Care Health and Supplemental Insurance and a licensed insurance consultant and broker with Associated Brokers.    Licensed in both Maine and NH,  her specialty is working with small businesses, individuals, and families with their health and life insurance needs.  She is certified to offer health plans both on and off the exchange and is contracted with every health insurance company that offers plans in both New Hampshire and Maine.  Her other passion is assisting Medicare beneficiaries with their Medicare Supplemental, Medicare Part D Prescription Drug Plans, and Medicare Advantage plans. Terri has seen firsthand the importance of insurance products and how they help families.  Her goal with Balanced Care is to “Insure Security and Peace of Mind One Family at a Time”



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