On Life With Helen Helen Ornellas

Does getting life insurance feels like a chore you've been dreading for longer than you can remember? 
In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more.  
Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insurance, and so much more. 
In This Episode, You Will Learn:
Does going through a policy feels like a chore? (2:08)Three signs you need life insurance today (3:04)What makes Ethos so good at helping you get insurance (3:47)Is life insurance affordable? (4:34)When is term insurance the better option (7:08)Why you should look at your policy periodically (13:11)
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
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Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money. 
In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only the highly compensated executives. We also learn how life insurance and business insurance can be used to incentivize young people and create completely aligned work environments, how to create an appealing bonus plan, and so much more. 
Listen to episode 43 of On Life With Helen to learn why taking good care of your employees at every level is instrumental. 
In This Episode, You Will Learn:
About companies' actual pressure points (2:47)The issue of having solutions only for highly compensated employees (5:48)How to create incentives appealing for 20, 30, and early 40-year-old employees (7:51)Immediate and long-term gratification plans (13:18)Can promoting someone that deserves it be a bad thing? (16:48)Don't offer anything unless it is going to do the job (21:18)
Connect with Trevor:
LinkedIn
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices. 
In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more. 
Listen to episode 42 of On Life With Helen to learn everything you need to know about income protection. Dennis explains the multiple advantages of group long-term disability policies for the employer, why people resist considering disability insurance, and much more.
In This Episode, You Will Learn:
 A bit about Dennis and how he got into income protection (1:43)Why is no one talking to their clients about income protection (7:09)Three things everyone should know about income protection (8:38)Why are most people unsure about disability insurance? (16:04)The Job A / Job B exercise (17:21)Where does Dennis see protection for business owners heading (24:47)
Connect with Dennis:
WebsiteLinkedInEmail: dennis@carlsonwest.com
Let’s Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

What are the main differences between traditional lines of credit and an FHA reverse mortgage?
In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit. 
Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about. 
In This Episode, You Will Learn:
The main difference between reverse mortgages and traditional lines of credit (1:56)In reverse mortgages, the line of credit grows (4:55)How can we make a growing line of credit work for us (6:47)
Connect with Mitchell Cooper 
LinkedIn
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EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

There are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages. 
In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this first part of a two-part series, we go through 8 of the most popular myths on reverse mortgages. 
Listen to this episode of On Life With Helen to learn how truthful the myths about reverse mortgages are. 
In This Episode, You Will Learn:
Is it true that lenders own the homes they have a mortgage in (5:15)Are funds received from a reverse mortgage taxed? (6:32)How risky reverse mortgages are (7:27)Can the borrower end up owing more than the home is worth? (9:21)What happens if a borrower outlives their expectancy? (14:08)Can a reverse mortgage impact your social security benefits? (17:29)
Connect with Mitchell Cooper 
LinkedIn
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

If you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults. 
In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones in their final years. 
Listen to episode 39 of On Life With Helen to learn from Renée how to avoid the predatory side of the adult care industry, what options exist to offer our loved ones the best care, and why it is crucial not to react during a crisis. 
In This Episode, You Will Learn:
The things we like don't change after we age (2:34)A bit about Renée's background and history in the healthcare industry (5:16)The dark side of the adult care industry (9:13)What is aging in place? (23:57)The benefits of multigenerational environments (26:40)What questions should you ask when hiring adult care (33:56)Try not to act in crisis (46:15)
Connect with Renée:
WebsiteLinkedInInstagram
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.