Insure Your Love Month is Here!

This month we are focusing on Insure Your Love!

Life's milestone moments usually require a promise—to love, cherish, guard and protect. And an important part of keeping those promises is making sure your loved ones would be OK financially if something were to happen to you. That's why there's life insurance. Keep your promise, and insure your love.

With the devastating news of Kobe Bryant and the death of his daughter and the other's on the helicopter that day, we are reminded just how fragile life is. I saw a quote floating around on social media that stated "Leaving the house, making it to your destination, and making it back home safely is such an underrated blessing." Life can be taken away so quickly.

There are many things in life that we cannot control, but one thing that we can control is how we protect ourselves and our loved ones. Life insurance is one of those things that just about everyone needs but far too few people actually have. It’s easy to put off purchasing a policy when you’re young and relatively healthy. But the longer you wait, the greater the chances of something happening before you get yourself coverage. Maybe buying life insurance been on your to-do list for a while but you haven’t gotten around to it yet. I am licensed to sell life insurance policies. If you would like a quote or for me to help shop your rates, please let me know! I would be happy to help!

Question on Life Insurance

Medicare Advantage Open Enrollment Period

During Medicare Advantage Open Enrollment, Medicare beneficiaries currently enrolled in a Medicare Advantage plan—with or without drug coverage—can switch to another Medicare Advantage plan. Beneficiaries can also drop their Medicare Advantage plan and return to Original Medicare and enroll in a stand-a-lone Prescription Drug Plan (PDP). OEP is still going on if you are interested. Send me an email if you would like to learn more!

Why you should always work with independent agents 

I chose to be an independent insurance agent right after I graduated from Brigham Young University with my BA. January 1996 I made the choice to be licensed as an independent agent. This means, I am educated and licensed to help you with any and all of the carriers in Utah. 

Carrier Options:
  • Aetna
  • Humana
  • Molina
  • Mutual of Omaha
  • Regence Blue Cross Blue Shield 
  • Select Health 
  • SilverScript
  • United Healthcare
  • Wellcare 

6 Brilliant Diet Swaps


Eating healthier doesn't have to mean overhauling your diet. Making simple adjustments to the meals you eat every day can be an even better way to reach your wellness or weight-loss goals. 

Making, and keeping, small diet changes can help you feel successful so you're motivated to do more over time. And even easier than subtracting things from your diet: replacing one or two of your less nutritious go-to foods with better-for-you ones. Here are some trades to try:

Instead of mayo … try mustard

Mayo and mustard are both classic sandwich toppers. That's where the similarities end, though. Mayo supplies a lot of calories — one tablespoon has nearly 100 calories — and not much in the way of valuable nutrients.

Instead of pretzels … try popcorn

The clear winner when you've got the munchies is homemade popcorn. Air-popped popcorn is a high-volume food with only around 120 calories per 4-cup serving, meaning you get a plentiful snack.

Instead of a flavored latte … try a plain one

Keep the latte; skip the flavored syrup. You'll get the same creamy mouthfeel and warmth with none of the added sugar. For subtle sugar-free sweetness, try adding a sprinkle of cinnamon or nutmeg instead.

Instead of sour cream … try Greek yogurt

Full-fat Greek yogurt has a similar flavor to sour cream, but 100 fewer calories and half the saturated fat per serving. It's also a better source of bone-building calcium and blood pressure–lowering potassium than sour cream. 

Instead of granola … try fiber cereal

For a similar crunch with far less sugar, nearly 100 fewer calories per serving, and more fiber, you can opt for a bowl of a high-fiber cereal like All-Bran. 

Instead of rice … try cauliflower rice

No, uber-trendy riced cauliflower is not a doppelganger for white rice. But it comes pretty darn close. There are a number of reasons those bags in the produce section and the freezer at your supermarket are worth a try.

Instead of ground beef … try a mix of beef and mushrooms

You may not be open to trading your regular burger for a veggie version. But you can cut back on the amount of red meat you're eating by replacing up to half the ground beef in your recipe with chopped raw or roasted mushrooms


The Referral Challenge will continue to run through 2020! 
Everyone loves chocolate and it makes the perfect treat for your loved ones for Valentines Day. Rocky Mountain Chocolate Factory has delicious caramel apples, chocolate treats, and so much more!

For every referral you send me this February, I will mail you a $15 gift card to Rocky Mountain Chocolate Factory!

Standard Rules Apply: 
-Referrals must be new clients to me
-There is no limit to how many gift cards you can earn
-Be sure to have your referral mention your name
Copyright © 2020 Bowthorpe & Associates, All rights reserved.

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