February 2025

Hi Vanessa,

With flu and COVID spreading again, it is a reminder of how unpredictable life can be. Something you may not know about me is that in 2020 I worked for a local farm, delivering fresh produce to families trying to stay safe and healthy. I saw firsthand how people were struggling with fear and uncertainty—not just about their health, but about their finances. I felt that same anxiety myself, worrying about my own family and what we would do if one of us got sick. That experience reshaped the way I think about protection and led me to serve in my current Industry.

If the past few years have taught me anything, it’s that I can't control everything—but I can control how I prepare. And what better time than Valentine’s Day to think about the ones we love and how we can protect them?

That’s also why I’ve shifted my focus to living benefits and cash value life insurance. These policies don’t just offer security after we’re gone—they help provide peace of mind while we’re still here. With living benefits, if you face a serious illness like cancer, heart disease, or another chronic condition, you can access a portion of your life insurance to help with medical expenses, lost income, or even daily bills. It’s financial protection when you and your family need it most.

Beyond illness protection, cash value life insurance builds savings over time that can be used for emergencies, retirement, or unexpected expenses. It’s a way to show love through long-term financial security, ensuring that no matter what life throws your way, you and your loved ones have a safety net.

This Valentine’s Day, consider giving your family the gift of protection and peace of mind. If you’re already a client, let’s review your policy and make sure it aligns with your needs. If you don’t have a plan in place yet, now is a great time to explore options that offer security and stability for the people who matter most.

I’ve also launched a new website where you can learn more about these solutions and how they can help bring peace of mind in uncertain times.

Visit Vosslivingbenefits.com to learn more, or reach out—I’d love to help you protect what matters most to you.

Our New Team Member

Meet Lori

Client Feedback Spotlight

"Brittney was a pleasure to work with. Her help in assisting me with my insurance options was wonderful. I was very impressed and grateful for her support and assistance in my search for an insurance plan that was in network with my Primary Care Physician. 

Thank you for all your hard work."

Thank you for your support, Kristi!

Should You Get a Life or AD&D

Policy Through Your Bank?

The Pros

• Easy signup—no hassle, just enroll.
• Affordable—group rates keep costs low.
• Guaranteed approval—no medical exams.
• Extra coverage—good supplement to existing policies.
• Promos—some banks offer free starter coverage (watch for hidden fees).

The Cons

• Low coverage—may not fully protect your family.
• Accident-only—AD&D excludes natural causes.
• Limited value—better options may exist.
• No flexibility—one-size-fits-all policies.
• Account-tied—closing your account may affect coverage.

Why Choose Us?

• Personalized coverage that fits your needs, not a generic plan.
• Real, human support instead of automated scripts.
• In house service work, with a focus on quality communication and follow up.

The Bottom Line

• A bank policy is quick and basic, but for real peace of mind, personalized coverage is the smarter choice. Let’s find the right plan for you!

Tax Tips for Growing Families & Future Retirees

Tax planning isn’t just for retirees—it’s essential for growing families, homeowners, and professionals looking to build long-term wealth.

Here are some key strategies to help you save and reduce your tax burden.

• Medical Expenses – If your medical costs exceed 7.5% of your income, you may be able to deduct them, including health insurance premiums, prescriptions, and even certain long-term care policies for you or your dependents.

• Charitable Giving – Donations to qualified charities (up to 60% of your income) can be deducted. If you have an IRA, a Qualified Charitable Distribution (QCD) after age 70½ can help lower your taxable income.

• Maximize Tax-Advantaged Accounts – Contribute to 401(k)s, IRAs, and HSAs to lower taxable income now while growing tax-deferred savings for the future. Consider a 529 plan for tax-free college savings for your kids.

• Family & Child Tax Benefits – Take advantage of the Child Tax Credit (up to $2,000 per child) and Dependent Care Credit for childcare expenses. If you have a high-deductible health plan, contribute to an HSA to cover future medical costs tax-free.

• Strategic Retirement Withdrawals – If you’re considering early retirement, plan your withdrawals wisely to avoid jumping into a higher tax bracket. Roth conversions spread over multiple years can also help reduce future tax burdens.

• Property & SALT Deductions – You can deduct up to $10,000 for state and local taxes (SALT), including property taxes, so be sure to take advantage of this limit—especially if you're a homeowner.

• Energy Tax Credits – Making energy-efficient upgrades like solar panels, heat pumps, or new windows? You could qualify for federal tax credits to offset costs while improving your home.

• Keep Detailed Records - Save receipts for medical expenses, childcare, charitable donations, and investment-related costs to ensure you get every deduction you’re entitled to.

Consulting with a tax professional can ensure you’re optimizing these strategies based on your family's unique situation!

NOTICE TO RECIPIENT: we do not offer every plan in your area. Currently, we represent 13 organizations which offer 66 products in your area. Please contact Medicare.gov, or your local state Health Insurance Program (SHIP) to get information on all your options.