Fredriksen Financial & Insurance Services offers a full range of products and services to help you meet your financial goals. We are committed to helping you develop a strategy that can build and protect your wealth, so you can look forward to your future with confidence.
Our values-based approach helps you build a financial strategy aligned with your core beliefs. Part of helping you to define clear financial goals, and finding strategies and investments that match your needs, is taking care of what some feel are routine things like Health, Dental and Travel Insurance. These items, however, are anything but routine and they can be equally challenging to deal with.
Think about what it would mean if you had a heart attack, needed a surgery, or were having a baby and you don't have any medical insurance, what is the cost going to be? How are you going to pay for it? Have you ever had a root canal or gotten a crown? Do you know how much that costs without a plan in place? Trust me on this - a lot! Do you ever travel? Is it free? Of course not. And we usually pay in advance don't we? What if a medical emergency caused you to cancel your trip? How would you get your money back? What if your medical emergency occurred while you were in some far off exotic place? What then? How would your find a doctor? Who's going to pay for it? How would you get home if you needed to be medically evacuated? Who's paying that bill?
Don't let your plan be "I Would Have, I Should Have, I Could Have".
Life happens while we are planning something else - always! My wife and I found that out last November on a cruise to Mexico. Yes, we were on the Carnival Cruise ship Splendor when the engine room caught fire and the engines wouldn't work. We drifted at sea for 3.5 days 200 miles off the Mexican coast. Thank goodness there was no medical emergency and we did get all of our money back and more. But that was because it was their fault. If we had canceled, got sick on that trip, or missed the boat. Oops - that's on us. No refund!
Be prepared! Learn from the past, live in the present, and plan for tomorrow understanding that we don't know what tomorrow may bring. If it can happen, it will. Of course not to you, but to somebody for sure. All of the things previously mentioned represent a significant financial event and can affect all of your other financial planning. Fill in the gaps in your planning now. Review what you have and make sure you've got the right Health Insurance, Dental Plan, and Travel Insurance in place before you need it.