{"id":3164,"date":"2026-04-13T20:38:07","date_gmt":"2026-04-13T20:38:07","guid":{"rendered":"https:\/\/stage.myliquis.co\/pellegrini\/?page_id=3164"},"modified":"2026-04-13T22:07:24","modified_gmt":"2026-04-13T22:07:24","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/stage.myliquis.co\/pellegrini\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3164\" class=\"elementor elementor-3164\" data-elementor-post-type=\"page\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a54718b e-flex e-con-boxed e-con e-parent\" data-id=\"a54718b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7b23075 e-con-full e-flex e-con e-child\" data-id=\"7b23075\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-cb454f4 e-con-full e-flex e-con e-child\" data-id=\"cb454f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-902fa5c animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"902fa5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Life Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abc485c animated-slow uael-show-cursor-yes uael-fancytext-stack-no elementor-invisible elementor-widget elementor-widget-uael-fancy-heading\" data-id=\"abc485c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;fancytext_align_mobile&quot;:&quot;center&quot;,&quot;fancytext_min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:82,&quot;sizes&quot;:[]},&quot;fancytext_align&quot;:&quot;left&quot;,&quot;fancytext_space_prefix&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0&quot;,&quot;sizes&quot;:[]},&quot;fancytext_space_prefix_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;fancytext_space_prefix_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;fancytext_min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;fancytext_min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;text_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;text_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;text_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;fancytext_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;fancytext_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;fancytext_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-widget_type=\"uael-fancy-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-module-content uael-fancy-text-node uael-clip-cursor-yes\" data-type-speed=\"40\" data-animation=\"type\" data-back-speed=\"60\" data-start-delay=\"5\" data-back-delay=\"1200\" data-loop=\"false\" data-show-cursor=\"true\" data-cursor-char=\"|\" data-strings=\"[&quot;Protect your loved ones with financial security for the future&quot;]\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"uael-fancy-text-wrap uael-fancy-text-type\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-fancy-stack\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-fancy-heading uael-fancy-text-main uael-typed-main-wrap \"><span class=\"uael-typed-main\"><\/span><span class=\"uael-text-holder\">.<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/h2>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-163cbfe e-con-full e-flex e-con e-child\" data-id=\"163cbfe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1b0f6c animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"f1b0f6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/supplement-plans.png\" class=\"attachment-full size-full wp-image-2425\" alt=\"\" srcset=\"https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/supplement-plans.png 1024w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/supplement-plans-300x300.png 300w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/supplement-plans-150x150.png 150w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/supplement-plans-768x768.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-00acad8 e-flex e-con-boxed e-con e-parent\" data-id=\"00acad8\" data-element_type=\"container\" data-e-type=\"container\" id=\"plans\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e500cf animated-slow elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"9e500cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-float\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af438c8 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"af438c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do You Need Life Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421d0ed elementor-widget elementor-widget-text-editor\" data-id=\"421d0ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"82\" data-end=\"339\">Life insurance is one of the most important ways to protect your family\u2019s financial future. While it\u2019s not always easy to think about, having the right coverage in place provides peace of mind knowing your loved ones won\u2019t face financial hardship.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-087877b e-con-full e-flex e-con e-child\" data-id=\"087877b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-891ecff elementor-widget elementor-widget-text-editor\" data-id=\"891ecff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"237\" data-end=\"280\"><strong>Here\u2019s why life insurance matters:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b558da6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b558da6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Financial Protection for Loved Ones:<\/b> Helps replace lost income and maintain your family\u2019s standard of living<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Covers Final Expenses:<\/b> Assists with funeral costs, medical bills, and other end-of-life expenses<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Pays Off Debts:<\/b> Ensures mortgages, loans, and credit card balances aren\u2019t passed on to your family<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Long-Term Security:<\/b> Can help fund future needs like college tuition or retirement for a spouse<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Peace of Mind:<\/b> Confidence knowing your family is protected no matter what happens<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2df80b2 e-flex e-con-boxed e-con e-parent\" data-id=\"2df80b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac06ec animated-slow elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"3ac06ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-float\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf2efa animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7bf2efa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types Of Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed2beaa elementor-widget elementor-widget-text-editor\" data-id=\"ed2beaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>There are several types of life insurance, each designed to fit different needs and goals:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5d12ed1 e-grid e-con-full e-con e-child\" data-id=\"5d12ed1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-e8e8f50 e-con-full e-flex e-con e-child\" data-id=\"e8e8f50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6eafb8 elementor-widget elementor-widget-text-editor\" data-id=\"b6eafb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 data-section-id=\"z2hjhw\" data-start=\"223\" data-end=\"246\"><span style=\"color: #ffffff;\">Term Life Insurance<\/span><\/h4><p data-start=\"248\" data-end=\"413\"><strong data-start=\"248\" data-end=\"263\">What It Is: <\/strong>Provides coverage for a set period (typically 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive the death benefit.<\/p><p data-start=\"415\" data-end=\"484\"><strong data-start=\"415\" data-end=\"428\">Best For: <\/strong>Affordable, temporary coverage during key life stages<\/p><p data-start=\"486\" data-end=\"495\"><strong data-start=\"486\" data-end=\"495\">Pros:<\/strong><\/p><ul data-start=\"496\" data-end=\"548\"><li data-section-id=\"11v7r9f\" data-start=\"496\" data-end=\"514\">Lower premiums<\/li><li data-section-id=\"5pfpi4\" data-start=\"515\" data-end=\"548\">Simple and easy to understand<\/li><\/ul><p data-start=\"550\" data-end=\"559\"><strong data-start=\"550\" data-end=\"559\">Cons:<\/strong><\/p><ul data-start=\"560\" data-end=\"617\"><li data-section-id=\"1hm8321\" data-start=\"560\" data-end=\"599\">Coverage ends when the term expires<\/li><li data-section-id=\"dc5zdn\" data-start=\"600\" data-end=\"617\">No cash value<\/li><\/ul><hr \/><p>\u00a0<\/p><h4 data-section-id=\"1n8l17n\" data-start=\"624\" data-end=\"648\"><span style=\"color: #ffffff;\">Whole Life Insurance<\/span><\/h4><p data-start=\"650\" data-end=\"747\"><strong data-start=\"650\" data-end=\"665\">What It Is: <\/strong>A permanent policy that lasts your entire life and builds cash value over time.<\/p><p data-start=\"749\" data-end=\"816\"><strong data-start=\"749\" data-end=\"762\">Best For: <\/strong>Those who want lifelong coverage and savings growth<\/p><p data-start=\"818\" data-end=\"827\"><strong data-start=\"818\" data-end=\"827\">Pros:<\/strong><\/p><ul data-start=\"828\" data-end=\"903\"><li data-section-id=\"vq53cl\" data-start=\"828\" data-end=\"849\">Lifetime coverage<\/li><li data-section-id=\"15hndxb\" data-start=\"850\" data-end=\"871\">Builds cash value<\/li><li data-section-id=\"d69yr1\" data-start=\"872\" data-end=\"903\">Fixed, predictable premiums<\/li><\/ul><p data-start=\"905\" data-end=\"914\"><strong data-start=\"905\" data-end=\"914\">Cons:<\/strong><\/p><ul data-start=\"915\" data-end=\"955\"><li data-section-id=\"gsf48p\" data-start=\"915\" data-end=\"934\">Higher premiums<\/li><li data-section-id=\"1wjflks\" data-start=\"935\" data-end=\"955\">Less flexibility<\/li><\/ul><hr \/><h4 data-section-id=\"1sa2maf\" data-start=\"962\" data-end=\"990\"><br \/><span style=\"color: #ffffff;\">Universal Life Insurance<\/span><\/h4><p data-start=\"992\" data-end=\"1139\"><strong data-start=\"992\" data-end=\"1007\">What It Is: <\/strong>A flexible permanent policy that allows you to adjust premiums and death benefits, with cash value growth tied to interest rates.<\/p><p data-start=\"1141\" data-end=\"1208\"><strong data-start=\"1141\" data-end=\"1154\">Best For: <\/strong>Those who want flexibility in coverage and payments<\/p><p data-start=\"1210\" data-end=\"1219\"><strong data-start=\"1210\" data-end=\"1219\">Pros:<\/strong><\/p><ul data-start=\"1220\" data-end=\"1282\"><li data-section-id=\"1udgwwq\" data-start=\"1220\" data-end=\"1254\">Flexible premiums and benefits<\/li><li data-section-id=\"1tfro87\" data-start=\"1255\" data-end=\"1282\">Cash value accumulation<\/li><\/ul><p data-start=\"1284\" data-end=\"1293\"><strong data-start=\"1284\" data-end=\"1293\">Cons:<\/strong><\/p><ul data-start=\"1294\" data-end=\"1346\"><li data-section-id=\"hqjwcd\" data-start=\"1294\" data-end=\"1310\">More complex<\/li><li data-section-id=\"vxhezu\" data-start=\"1311\" data-end=\"1346\">Premiums may increase over time<\/li><\/ul><hr \/><h4 data-section-id=\"1s4h1b0\" data-start=\"1353\" data-end=\"1380\"><br \/><span style=\"color: #ffffff;\">Variable Life Insurance<\/span><\/h4><p data-start=\"1382\" data-end=\"1506\"><strong data-start=\"1382\" data-end=\"1397\">What It Is: <\/strong>A permanent policy that allows you to invest the cash value in market-based options like stocks and bonds.<\/p><p data-start=\"1508\" data-end=\"1587\"><strong data-start=\"1508\" data-end=\"1521\">Best For: <\/strong>Those comfortable with investment risk seeking growth potential<\/p><p data-start=\"1589\" data-end=\"1598\"><strong data-start=\"1589\" data-end=\"1598\">Pros:<\/strong><\/p><ul data-start=\"1599\" data-end=\"1676\"><li data-section-id=\"jnsmlf\" data-start=\"1599\" data-end=\"1631\">Potential for higher returns<\/li><li data-section-id=\"1srr5eh\" data-start=\"1632\" data-end=\"1654\">Investment options<\/li><li data-section-id=\"vq53cl\" data-start=\"1655\" data-end=\"1676\">Lifetime coverage<\/li><\/ul><p data-start=\"1678\" data-end=\"1687\"><strong data-start=\"1678\" data-end=\"1687\">Cons:<\/strong><\/p><ul data-start=\"1688\" data-end=\"1730\"><li data-section-id=\"5qajkf\" data-start=\"1688\" data-end=\"1703\">Market risk<\/li><li data-section-id=\"e1ni6g\" data-start=\"1704\" data-end=\"1730\">More complex structure<\/li><\/ul><hr \/><h3 data-section-id=\"gnte74\" data-start=\"1737\" data-end=\"1773\"><br \/><span style=\"color: #ffffff;\">Final Expense (Burial) Insurance<\/span><\/h3><p data-start=\"1775\" data-end=\"1872\"><strong data-start=\"1775\" data-end=\"1790\">What It Is: <\/strong>A smaller whole life policy designed to cover funeral and end-of-life expenses.<\/p><p data-start=\"1874\" data-end=\"1949\"><strong data-start=\"1874\" data-end=\"1887\">Best For: <\/strong>Seniors or those wanting simple coverage for final expenses<\/p><p data-start=\"1951\" data-end=\"1960\"><strong data-start=\"1951\" data-end=\"1960\">Pros:<\/strong><\/p><ul data-start=\"1961\" data-end=\"2021\"><li data-section-id=\"46zg4f\" data-start=\"1961\" data-end=\"1986\">Affordable and simple<\/li><li data-section-id=\"1a86158\" data-start=\"1987\" data-end=\"2021\">Often no medical exam required<\/li><\/ul><p data-start=\"2023\" data-end=\"2032\"><strong data-start=\"2023\" data-end=\"2032\">Cons:<\/strong><\/p><ul data-start=\"2033\" data-end=\"2089\"><li data-section-id=\"glo20q\" data-start=\"2033\" data-end=\"2059\">Lower coverage amounts<\/li><li data-section-id=\"1d1uay9\" data-start=\"2060\" data-end=\"2089\">Limited scope of coverage<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-f278237 e-flex e-con-boxed e-con e-parent\" data-id=\"f278237\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a76eb95 animated-slow elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"a76eb95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-float\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77acf72 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"77acf72\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Life Insurance Do I Need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ed446 elementor-widget elementor-widget-text-editor\" data-id=\"f7ed446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"82\" data-end=\"339\">The right amount of life insurance depends on your financial situation, dependents, and long-term goals. A common guideline is <strong data-start=\"253\" data-end=\"287\">10\u201315 times your annual income<\/strong>, but your needs may vary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-fc4e73b e-grid e-con-full e-con e-child\" data-id=\"fc4e73b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-d6f7db0 e-con-full e-flex e-con e-child\" data-id=\"d6f7db0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9711b0a elementor-widget elementor-widget-text-editor\" data-id=\"9711b0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"237\" data-end=\"280\"><strong>Here are key factors to consider:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1f00fd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c1f00fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Income Replacement:<\/b> Ensure your family can maintain their lifestyle without your income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Debts and Expenses:<\/b> Cover obligations like your mortgage, loans, and credit cards<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Dependents:<\/b> Plan for future costs such as education, healthcare, and daily living<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Final Expenses:<\/b> Account for funeral and burial costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-3a4a544 e-flex e-con-boxed e-con e-parent\" data-id=\"3a4a544\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1bf2f6 animated-slow elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"f1bf2f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-float\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7040566 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7040566\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Does It Work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-8f3be5a e-grid e-con-full e-con e-child\" data-id=\"8f3be5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a9689b5 e-con-full e-flex e-con e-child\" data-id=\"a9689b5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-152ca3a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"152ca3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Choose Your Policy:<\/b> Select the type and amount of coverage that fits your needs and budget, often with guidance from a licensed agent<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Apply for Coverage:<\/b> Complete an application, which may include a health questionnaire or medical exam depending on the policy<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Pay Your Premiums:<\/b> Make payments monthly, quarterly, or annually\u2014based on your age, health, and coverage type<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Benefit Payout:<\/b> If you pass away while the policy is active, your beneficiaries receive the death benefit to help cover expenses and financial needs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-850da48 e-flex e-con-boxed e-con e-parent\" data-id=\"850da48\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48c076a animated-slow elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"48c076a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-float\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1d83b8 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a1d83b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits Of Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-7bcfe29 e-grid e-con-full e-con e-child\" data-id=\"7bcfe29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-79638f3 e-con-full e-flex e-con e-child\" data-id=\"79638f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddffa16 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ddffa16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Financial Security for Your Family:<\/b> Helps protect your loved ones from financial hardship<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Peace of Mind:<\/b> Confidence knowing your family will be supported no matter what happens<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Tax-Free Benefit:<\/b> Payouts are typically tax-free for your beneficiaries<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Flexible Coverage Options:<\/b> Adjust your policy as your needs change with available riders and options<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-25eef5c e-flex e-con-boxed e-con e-parent\" data-id=\"25eef5c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-6d5e651 e-con-full e-flex e-con e-child\" data-id=\"6d5e651\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6728cee animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6728cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your Medicare Questions Answered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-855b4c8 elementor-widget elementor-widget-image\" data-id=\"855b4c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/faqs.png\" class=\"attachment-full size-full wp-image-2590\" alt=\"\" srcset=\"https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/faqs.png 800w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/faqs-300x300.png 300w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/faqs-150x150.png 150w, https:\/\/stage.myliquis.co\/pellegrini\/wp-content\/uploads\/2026\/03\/faqs-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a4bc6d6 e-con-full e-flex e-con e-child\" data-id=\"a4bc6d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bdea6d elementor-widget elementor-widget-n-accordion\" data-id=\"5bdea6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9630\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9630\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9630\" class=\"elementor-element elementor-element-a29aa12 e-con-full e-flex e-con e-child\" data-id=\"a29aa12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8f6b5e elementor-widget elementor-widget-text-editor\" data-id=\"c8f6b5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare is a federal health insurance program primarily for people age 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare helps cover hospital care, doctor visits, prescriptions, and other healthcare services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9631\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9631\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I get started? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9631\" class=\"elementor-element elementor-element-ad060d7 e-con-full e-flex e-con e-child\" data-id=\"ad060d7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-964624c elementor-widget elementor-widget-text-editor\" data-id=\"964624c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The best first step is to <strong data-start=\"3819\" data-end=\"3846\">schedule a consultation<\/strong> to review your Medicare options. We\u2019ll walk through your situation, answer your questions, and help you find the coverage that fits your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9632\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9632\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When should I enroll in Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9632\" class=\"elementor-element elementor-element-1f5500d e-con-full e-flex e-con e-child\" data-id=\"1f5500d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16fd962 elementor-widget elementor-widget-text-editor\" data-id=\"16fd962\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most people should enroll during their <strong data-start=\"776\" data-end=\"805\">Initial Enrollment Period<\/strong>, which starts <strong data-start=\"820\" data-end=\"858\">3 months before your 65th birthday<\/strong>, includes your birthday month, and continues <strong data-start=\"904\" data-end=\"922\">3 months after<\/strong>. Enrolling on time helps avoid potential late penalties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9633\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9633\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the different parts of Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9633\" class=\"elementor-element elementor-element-6e8d5c0 e-con-full e-flex e-con e-child\" data-id=\"6e8d5c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7c7a2 elementor-widget elementor-widget-text-editor\" data-id=\"ac7c7a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare is divided into four main parts:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa446fe elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fa446fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Part A \u2013 Hospital Insurance<\/b><br> Covers hospital stays, skilled nursing facilities, and some home healthcare.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Part B \u2013 Medical Insurance<\/b><\/br> Covers doctor visits, outpatient care, preventive services, and medical equipment.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Part C \u2013 Medicare Advantage<\/b><br> Private plans that combine Part A and B and often include extra benefits.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Part D \u2013 Prescription Drug Coverage<\/b><br> Helps cover the cost of prescription medications.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9634\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9634\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does Medicare cover prescription drugs? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9634\" class=\"elementor-element elementor-element-27fee3a e-con-full e-flex e-con e-child\" data-id=\"27fee3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed42ed elementor-widget elementor-widget-text-editor\" data-id=\"5ed42ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Original Medicare (Parts A and B) does <strong data-start=\"2327\" data-end=\"2334\">not<\/strong> typically cover most prescriptions. You can add <strong data-start=\"2383\" data-end=\"2420\">Part D prescription drug coverage<\/strong> or enroll in a <strong data-start=\"2436\" data-end=\"2491\">Medicare Advantage plan that includes drug coverage<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9635\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9635\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does Medicare cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9635\" class=\"elementor-element elementor-element-e666c14 e-con-full e-flex e-con e-child\" data-id=\"e666c14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd30960 elementor-widget elementor-widget-text-editor\" data-id=\"cd30960\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Costs vary depending on the coverage you choose. Some parts of Medicare have premiums, deductibles, and copays. Many people receive <strong data-start=\"2667\" data-end=\"2690\">Part A premium-free<\/strong>, while <strong data-start=\"2698\" data-end=\"2740\">Part B typically has a monthly premium<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9636\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9636\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I keep my doctor with Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-9636\" class=\"elementor-element elementor-element-081a952 e-con-full e-flex e-con e-child\" data-id=\"081a952\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c965e0c elementor-widget elementor-widget-text-editor\" data-id=\"c965e0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many doctors accept Medicare, but it depends on the type of plan you choose. Some plans allow you to see <strong data-start=\"3162\" data-end=\"3197\">any Medicare-accepting provider<\/strong>, while others may use <strong data-start=\"3220\" data-end=\"3232\">networks<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life Insurance . Do You Need Life Insurance? Life insurance is one of the most important ways to protect your family\u2019s financial future. While it\u2019s not always easy to think about, having the right coverage in place provides peace of mind knowing your loved ones won\u2019t face financial hardship. Here\u2019s why life insurance matters: Financial [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3164","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/pages\/3164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/comments?post=3164"}],"version-history":[{"count":22,"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/pages\/3164\/revisions"}],"predecessor-version":[{"id":3189,"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/pages\/3164\/revisions\/3189"}],"wp:attachment":[{"href":"https:\/\/stage.myliquis.co\/pellegrini\/wp-json\/wp\/v2\/media?parent=3164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}