L & A Services, A Division of Capital West Insurance

ACA Open Enrollment is officially here, and it's a great time to review your health insurance for the year ahead. Not sure where to start? Here are a few questions we hear every year ↩️

If you have any questions or want to explore available coverages, reach out anytime, and we’ll walk through your options together.

Expanding Access to Health Insurance: Consumers to Gain Access to “Catastrophic” Health Insurance Plans in 2026 Plan Year | CMS Overview

Life doesn’t stand still, and your life insurance coverage shouldn’t either. Take a moment and ask yourself if your current coverage is still the right fit.

Here are a few life changes that could mean it’s time for a policy review:

🔸A new job, promotion, or retirement
🔸Getting married or divorced
🔸Welcoming a child or grandchild
🔸Buying a home or taking on new financial obligations
🔸Changes in health, income, or long-term financial goals
🔸Adjusting beneficiary designations or estate plans

If any of these resonate with you, or if it’s simply been a while since your last review, it’s worth taking a fresh look. Let’s ensure your coverage still aligns with your goals.

Ready to schedule a quick review? Reach out today. We're here to help!

Did you know some long-term care protection can allow you to choose family and friends as your caregivers? Instead of relying only on professional services, some LTC protection can let you compensate loved ones for the care they provide, offering a more personal and familiar approach to daily activities. Do you know any caregivers in this situation?

Special needs require special coverage...and you are special!

Eating, dressing, getting up & down, bathing, and going to the bathroom on your own are all considered activities of daily living. Can you name any others?

This Halloween, we want to encourage everyone to prioritize safety, as the holiday presents its own set of risks. In fact, 3,200 Americans visit the emergency room due to Halloween-related injuries each year.

Swipe for a few tips to consider, and feel free to share these with your network as well ↩️

Keep in mind that it’s important to always supervise young children, whether they are trick-or-treating or carving pumpkins. For older children, encourage them to stay in a group and check in throughout the night.

As always, if you have any questions or require assistance, please do not hesitate to reach out. Have a wonderful and safe Halloween! 🎃

The ACA Open Enrollment period starts on November 1st and runs until January 15th. Selecting the right health insurance plan can feel daunting, but now is the perfect time to start considering your options for 2025.

We're here to support you through this process. If you have questions, don’t hesitate to reach out. Our team is committed to helping you find the best coverage to suit your needs.