Monthly Archives: August 2022

3 Tips For Supporting A Loved One Starting To Develop Dementia

Sadly, many people start to develop dementia to some extent as they age. While some people might have memory issues that progress into things like Alzheimer’s, others might just have problems remembering certain things as part of the aging process. Whatever their dementia turns into, it’s good to know how you can continue to care for and support your loved one at the beginning of these changes.

To help you see how this can be done, here are three tips for supporting a loved one starting to develop dementia. 

Make Their Safety A Priority

Once you begin to notice that your elderly loved one is having problems with their memory, you should take measures to ensure that they are able to remain safe in their environment. If this means moving into an assisted living facility to get the care that they need, start getting things ready for this transition as soon as possible. But if they’re able to stay in their home, you might want to help them make some safety changes. 

If there are tasks that are dangerous for your loved one to continue doing on their own, try to find ways to make these tasks safer. Additionally, you may want to install some safety features in their home, like grab bars and extra lights, to help them stay safe now and into the future. 

Try To Stick To A Routine

When seniors begin to have a hard time remembering things, what can be incredibly helpful to them is to have certain routines that they stick to for things in their daily life. 

To best start this new routine process, try to make simple modifications and changes to the routines that they already have in place. If you can make their day into something that is familiar to them and in which they always know what is coming next, you can help them keep their emotions in check and feel safe in their own world. 

Listen To Their Opinions

If your elderly loved one realizes that they are having memory problems, it can be very hard for them to cope with this knowledge. They might be defensive about any help that you want to give them and support that you show. So to help keep your relationship intact, you should take their opinions and suggestions into account as often as you can. Give them choices about things and allow them to make whatever decision they want. This can help them to feel like they still have some control over their lives and are still respected by their loved ones. 

If you have a loved one that’s starting to show signs of the beginning of dementia, consider using the tips mentioned above to help you learn how you can best support them. 

Wellman Shew Discusses 5 Reasons Why Someone May Need Life Insurance

Wellman Shew Discusses 5 Reasons Why Someone May Need Life Insurance

FRESNO, CA / 2022 / Many people think life insurance is unnecessary until later in life. Agency manager and owner of Shew & Company, Wellman Shew, recently discussed five reasons why someone may need life insurance earlier in life. 

“Life insurance can put your mind at ease and save your family during a time of crisis,” Shew said. “Unfortunately, these situations can happen at all ages — not just when we’re old.”

Shew explained five common reasons why a person may benefit from purchasing life insurance now.

1. Marriage 

A lot of financial discussions take place before a couple gets married. Life insurance should be one of those conversations. 

Joint life insurance policies are designed for married couples. They can help lessen the burdens of estate and inheritance taxes on beneficiaries. A life insurance policy should also be considered if one or both parties are bringing children into the family from a previous relationship.

2. A Growing Family

The expectance or birth of a child is a common reason individuals and families purchase life insurance policies. Life insurance can cover education, a home mortgage, or other expenses if a parent dies. Experts suggest considering life insurance while planning a future family or once the first child is born.

3. Business Ownership

Business ownership is a major reason to consider a life insurance policy. The owner of a business typically plays a major role in its success. 

A business-owned disability insurance or life insurance policy will name the business as a beneficiary so that it can stay afloat. 

4. Private Student Loan Holders

Private student loans create a large amount of debt that can be a major burden to others if the loan holder dies. Wellman Shew explained that a life insurance policy could prevent this debt from being left behind to cosigners, spouses, or others.

5. Thrill Seekers

Extreme sports are more popular than ever, and they put individuals at a higher risk of disability or death. Individuals who work high-risk jobs also have a higher chance of dying or becoming injured from unnatural causes. 

Individuals seeking life insurance for these reasons may pay a higher base premium or annual fee, but they can also live with the peace of mind that their lifestyle choices won’t leave the ones they love with crippling debt. 

Wellman Shew and Life Insurance

Wellman Shew is a business and insurance specialist with more than 40 years in the industry. He is President and Agency Manager at Shew & Company Insurance Services Inc. He was named the Member of the Year for the CCAHU local health underwriter underwriters association and has received countless other industry awards.

Shew enjoys using his life insurance knowledge to save families from potentially devastating financial situations.