What?! Life Insurance for Valentine’s Day?!

A little boy asks ‘Daddy, how was I born?’

The father searches for an answer appropriate to his son’s age and the world he knows. ‘Well, son, he begins, “Your mom and I first got together in a chat room. Then we decided to meet at a cyber-café. It was so good we decided to google each other.

Your mother agreed to a download from my hard drive. I was ready to upload, when we realized neither one of us had used a firewall. It was too late to hit the delete button, so nine months later a little Pop-Up appeared. It said…’You’ve got male’.”

What?! Life Insurance for Valentine’s Day?!

Valentine’s Day is all about LOVE. So is Whole Life insurance. (link to 15 for Life on website)

Unlike Term Life Insurance that pays only if you die,
 Whole Life insurance earns a guaranteed dividend. That’s tax-free, no-age-penalty money to do what you love now.
 Whole Life insurance can include benefits to provide long term care later and ease the burden on you and those who love you.
 Whole Life insurance gives your loved ones protection and a rich legacy if you die.

We’d love to show you your insurance options whether you’re a single person planning your future, married and starting your family, or have a Term Life insurance policy that’s ending.(link to website)

You’ll be happy every Valentine’s Day that you gave yourself…and your loved ones… the gift of Whole Life insurance.

Your Health insurance Coverage Depends on This Number

The people in the doctor’s waiting room watched with sympathy as an elderly lady, completely bent in half over her cane, shuffled from the door into the examining area.

Amazingly, half an hour later she emerged walking spritely, erect and with her head held high.

“It’s a miracle!” exclaimed one of the patients who’d been waiting. “She was bent over and now she’s walking upright!  The doctor has performed a miracle!”

“Miracle, shmiracle” said the old lady. “He gave me a taller cane.”


Your health insurance coverage depends on this number.

The Marketplace (Exchange) does not assign HMOs properly. Check your card.

The majority of health insurance plans offered by Ambetter, Cigna and Blue Cross are Health Maintenance Organizations (HMOs). (link to How the ACA has changed health insurance) Each HMO has a Medical Group or Site Number that must appear on your insurance card so you can get the insurance benefits you signed up for,

For instance, the medical group number for Blue Cross Blue Precision HMO for use in the Northshore University Health System may be 447 or 284.

BUT healthcare.gov doesn’t understand this. If you bought an HMO health insurance plan through them online or by phone, they never asked you for the Medical Group or Site Number of your HMO. They assign them willy-nillly.

You must call the Customer Service number on your new insurance card. Tell them what doctor/hospital you are using. They can look up the doctor’s HMO affiliation and  send  you a card with that number.

Do it at your earliest convenience. Your coverage depends on it.

Contact us if you have any questions at 847.362.8888

Feel Good – Hit One of Your 2019 Resolutions Now

Starting the Year with Phyllis Diller

The reason the golf pro tells you to keep your
head down is so you
can’t see him laughing.

You know you’re old if they’ve discontinued your blood type.

Any time three New Yorkers get into a cab without an argument, a bank
has just been robbed.

They asked me if my husband believed in life after death. Fang doesn’t believe in life after dinner.

You know you’re old if they’ve discontinued your blood type.

Any time three New Yorkers get into a cab without an argument, a bank
has just been robbed.

They asked me if my husband believed in life after death. Fang doesn’t believe in life after dinner.


The Importance of Your New Year’s Resolutions

Check off one of your 2019 financial goals this month

While the vast majority of Americans make resolutions for the coming year, only 8% keep them past February. What’s your track record on fulfilling your New Year’s Resolutions? We have an idea that will boost your Resolution success record immediately.

Before we make you feel good, here’s the list of the most popular resolutions:

  • Lose weight
  • Quit smoking
  • Get a better job
  • Get out of debt
  • Save money
  • Get fit/eat healthy
  • Travel more

Why not resolve to “Never Run Out of Money” ?  It’s really easy, attainable and you can start now. Check out 15 for Life here.

With this innovative type of whole life insurance, you pay premiums for just 15 years. Your premiums will never increase. You’ll get the traditional death benefit  PLUS  cash growth, tax savings and a source of money for you during your whole life while you pay premiums and when you don’t pay them any more..

Jay Leno said of the 69% who resolve to lose weight: “Now there are more overweight people in America than average-weight people. So overweight people are now average. Which means you’ve met your New Year’s resolution.”

We’ll help you meet  your resolution to start now to always have a growing source of income.  Consider how good you will feel about giving yourself protection for your family, available cash tax free, funds for later in life, money to make the best choices  later in life. without paying premiums for your whole life!

Take the first step now and hit one of your 2019 financial goals now by considering 15 for Life coverage. The younger you start, the lower the cost.  If you’re starting a family, you could be done paying premiums before the kids go to college. Even at 50, you could be done paying  premiums by retirement. What could you do with that extra money in your budget?

Find out how simple it is to build a better future with “15 for Life.” Resolve to call us at 847.362.8888, or contact us here. We will call you.

Happy 2019. We wish you all that you wish for yourself in the coming year and all the years to come.

Start a conversation with us now.

Jerry Pearlstein

Rebecca Bloomfield

*Conditions apply

More resources


The Gift You’ll Want to be Remembered For

Zeke and his wife Ella lived in a such a small town, he was both a veterinarian and the town’s sheriff.

One night the phone rings and Ella answers.
“Oh, Ella,” says a frazzled voice. “I need Zeke. I need him right away.”
“Well,” asks Ella. “Do you need Zeke, the vet or Zeke, the sheriff?”
“Why both! I can’t get our dog’s mouth open. There’s a burglar in it!”


The Gift You’ll Want to be Remembered For

Naida (a real client, not her real name), has worked hard all her life. She raised three kids as a single Mom and put them all through college.

She just bought a whole life insurance policy for her six-year-old granddaughter.  More info on 15 for Life here.

She bought it as a savings/growth investment. This whole life insurance policy will earn a dividend (currently guaranteed at 4% but paying over 8%) for her granddaughter’s whole life.

Naida owns the policy now. The premiums are affordable for this grandmother.   And she needs to pay the premium for only 15 years. After that the dividends and benefits will continue even if no one is paying the premium. Earnings can be borrowed or taken without paying federal taxes or meeting age requirements.

Naida says she is so happy to be giving a gift that can impact her granddaughter’s whole life by helping with college or graduate school or a home or the fulfillment of dreams not even dreamed yet. And she hopes this child she loves will remember her at those times.

Wouldn’t you want to be remembered for a gift like this?

Find out how easy it is. Call us at 847.362.8888.


Alert: Deadline Dec 7 for Medicare Changes

You have until Friday to

Change your Medicare Advantage plan

Change to a Medicare Supplement***

Change your Part D Prescription plan

Sign up for Medicare after your 65th birthday

Call now for information on how to make these changes. 847.362.8888. The call is free. No obligation.

***You can change from one Medicare Supplement to another Supplement at any time.




How to Avoid Losing Your New 2019 ACA Health Insurance

A guy is grocery shopping and notices he’s being followed by a little old lady. She smiles at him. Stares at him. When he stops, she stops. Finally, they meet up at the checkout counter.

She says sadly, “I hope I haven’t made you feel ill at ease; it’s just that you look so much like my late son.”

He’s touched and says, “That’s okay.”

She smiles, “I know it’s silly, but if you’d call out ‘Good bye, Mom’ as I leave the store, it would make me so happy.”

What can he do but agree? She goes through the checkout, and as she’s leaving the store, he calls, “Goodbye, Mom.”

The little old lady waves giving him a big smile and leaves.

Pleased that he has brought a little sunshine into someone’s day, he proceeds to pay for his groceries.

“That comes to $121.85,” says the clerk.

“Can’t be,” the guy says. “I only bought five items.”

“Oh, says the clerk. “Your mother said you’d be paying for her things, too.”

If you have individual/family major medical health insurance through Ambetter, Cigna or Blue Cross, you should have received information about your plan continuing into 2019. In most cases, if you’re keeping that plan, you don’t have to do anything other than keep paying your premium.

But if you are buying a new policy, there are deadlines for making the first month’s payment. Miss the deadline and you’ll lose your insurance. You cannot reapply. You won’t have insurance for 2019.

Here’s what you need to do to avoid that problem. Since Blue Cross is the only ACA provider of individual/family major medical health insurance in all Illinois counties, we’ll follow their system.

If you get your new health insurance through an agent (like us) or Blue Cross directly, you’re required to pay the first month’s premium when you apply. You’ll give Blue Cross your banking information for an EFT (Electronic Funds Transfer) or your credit card. Your binder payment is made. No need to worry.

If you get your new health insurance through the Exchange with premium assistance, the government will send your application to Blue Cross. (It takes about 5 days). You must then pay your portion of the premium before the effective date: January 1, 2019. You should get notice from Blue Cross that they have your application and a number to use when making your payment.

1. Call 800-538-8833. Important: Tell them you got your Blue Cross Insurance ON EXCHANGE. Then, they can find your account by your name and Social Security number.

2. Mail your check or money order to:


PO Box 650774

Dallas TX 75265-0774

3. Overnight your check or money order to

BCBSIL ON EXCHANGE c/o First Data/Remitco

1010 Mockingbird Lane, Suite 100, Box 650774

Dallas TX 75247

Remember: December 15th is the deadline to sign up for 2019 health insurance. You’ll need a specific “life qualifying event” to get health insurance after that date.

Jerry S. Pearlstein is the winner of the Healthcare.gov Elite Service Award.  

We’ve helped hundreds save thousands of dollars on their health insurance.

Call us: 847.362.8888. Let us help you, too.


How to Get the Most Out of the Affordable Care Act


From Phyllis Diller

Cleaning your house while your kids are still growing up is like
shoveling the sidewalk before it stops snowing.

The reason women don’t play football is because 11 of them would never
wear the same outfit in public.

I want my children to have all the things I couldn’t afford. Then I
want to move in with them.

The only time I ever enjoyed ironing was the day I accidentally put
gin in the steam iron.


How to Get the Most out of the Affordable Care Act

Since 2014 the Affordable Care Act (ACA) has governed health insurance for people under 65 who do not get group benefits from an employer or union; entrepreneurs, sole-practitioners, part-time and W2 workers. The focus of our practice.

Here are 4 tips for getting the most out of the ACA.

  1. Use all the benefits the law makes insurers offer you.

Apply for insurance even if you have a pre-existing condition, even if you’re pregnant. You will be insured without paying more than someone in good health. Get your free annual wellness visit. Get the free inoculations and dentist check-ups for your children. IVF is covered. Once your maximum out-of-pocket is reached, the insurer must pay 100% of medical care, no limit. Do all the things you and your health care provider feel are necessary for your health.

  1. Apply on time.

Get your insurance during the enrollment periods the ACA sets. You cannot buy or change whenever you want. You must apply between November 1 and December 15 to have health insurance in 2019. If you don’t, you will not be able to buy major medical health insurance except for specific life events like turning 26, losing group benefits, getting married or divorce, moving.

  1. Make sure your doctor and hospital accept the plan you enroll in.

There is no one insurance card individuals/families who have ACA insurance can use at all area and hospitals. Unfortunately, the government resources at the Exchange still don’t understand what plans cover what health care in our area. Use a qualified agent.

  1. Get Premium Assistance and Cost Sharing when you’re eligible.

Based on projected income (not assets), the government will pay part of your premium and even share the cost of your deductible and out-of-pocket maximum. If you’re in job transition, have your own business, just want to know if you qualify, please call us.

Jerry S. Pearlstein Insurance was awarded the 2018 healthcare.gov Elite Certificate of Recognition for getting hundreds of individuals/families into the right plan with savings of thousands of dollars.

Small group health insurance offers ACA benefits, too. And more access to care than individual/family plans. Ask us how small a group can be.

Don’t wait. You have until December 15th. Call 847.362.8888 today to find out how to get the most out of your health insurance.




Alert: Lower Cost Health Insurance for 2019

The penalty for not having a Qualified Health Plan that complies with the Affordable Care Act will be removed at the end of 2018.

With no penalty in 2019, we now have options for lower priced plans.


These non-ACA plans are less costly. They may offer wider coverage.

Click here for more health insurance information.


Call us to discuss your new options for 2019. 847.362.8888.



Alert: Open Enrollment Begins Today

Open Enrollment for 2019 Affordable Care Act Individual and Family Health Insurance begins today.

  • Has your plan been discontinued?
  • Are you looking for better options?
  • Are you eligible for premium assistance or cost sharing?
  • Can you benefit from small group health insurance?

You have from today until December 15th to enroll for 2019.

Winner of the healthcare.gov Elite service award, Jerry S. Pearlstein Insurance Ltd. offers free help. 847.362.8888.

Caution: Whether online or by phone, the government continues to misinform about what plan covers what care in our area. These mistakes are difficult to undo. Please call 847.362.8888 for free help.