Would you know?

The death of a spouse or loved one not only comes with great emotional stress, but also financial stress. Dealing with financial paperwork is the last thing a grieving widow or a family member wants to face, yet in the middle of everything else, it has to be dealt with in a timely manner.

If a death occurred in your family, would you know what kind of Life Insurance policy your spouse or loved one had? Would you know what the death benefit is? Would you know that you must call the Life Insurance company to file a claim? Would you know to call an employer to determine if any Life Insurance is available through them? Would you know if you are the beneficiary? Would you know if they had Mortgage Life Insurance? Would you know if they had Credit Life Insurance that would pay any outstanding balances on a loan or account?

At Balanced Care, we supply a booklet to not only our Life Insurance clients but all our clients that allows you to keep a record of your personal affairs, insurance policies, and final wishes. It is important to us because we care enough to help you plan ahead. Your preparation allows for greater peace of mind to your loved ones later and they don’t have to worry if they have made the right choices for you.

As with any documents, it’s important to let your loved ones know they exist and where they are kept so when they are needed, they can be easily accessed. You may even want to provide a photocopy of important documents for further protection.

Balanced Care wants your family to know exactly what needs to be done after the death of a loved one, how to file a claim and not have delays. Life Insurance companies are not obligated to notify you about a Life Insurance policy even if you are the spouse. Typically, the insurance company does nothing until it is notified about a death claim. As a broker, we cannot file a claim for you, however, we are able to assist you in calling the insurance company.

In the middle of grief and a general feeling of being overwhelmed, Balanced Care wants you and your family to know all they need to help their loved one leave a lasting legacy. We encourage you to reach out to us for your free booklet that organizes all your life’s details. The last thing we want is for them not to know what is important to you and how they have loved and care for you even after their gone.


512803HC_FullTerri 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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