On Life With Helen

On Life With Helen is a podcast, hosted by Helen Ornellas.

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Latest Episodes

Is Using Ethos To Get Life Insurance A Good Idea?

Is Using Ethos To Get Life Insurance A Good Idea?

Does getting life insurance feels like a chore you've been dreading for longer than you can remember? 


In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more.  


Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insurance, and so much more. 


In This Episode, You Will Learn:

  • Does going through a policy feels like a chore? (2:08)
  • Three signs you need life insurance today (3:04)
  • What makes Ethos so good at helping you get insurance (3:47)
  • Is life insurance affordable? (4:34)
  • When is term insurance the better option (7:08)
  • Why you should look at your policy periodically (13:11)


Let's Connect!



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Trevor Patching - What Keeps You Up At Night and More!

Trevor Patching - What Keeps You Up At Night and More!

Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money. 


In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only the highly compensated executives. We also learn how life insurance and business insurance can be used to incentivize young people and create completely aligned work environments, how to create an appealing bonus plan, and so much more. 


Listen to episode 43 of On Life With Helen to learn why taking good care of your employees at every level is instrumental. 


In This Episode, You Will Learn:

  • About companies' actual pressure points (2:47)
  • The issue of having solutions only for highly compensated employees (5:48)
  • How to create incentives appealing for 20, 30, and early 40-year-old employees (7:51)
  • Immediate and long-term gratification plans (13:18)
  • Can promoting someone that deserves it be a bad thing? (16:48)
  • Don't offer anything unless it is going to do the job (21:18)


Connect with Trevor:


Let's Connect!



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Disability Insurance And Income Protection with Dennis Carlson

Disability Insurance And Income Protection with Dennis Carlson

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices. 


In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more. 


Listen to episode 42 of On Life With Helen to learn everything you need to know about income protection. Dennis explains the multiple advantages of group long-term disability policies for the employer, why people resist considering disability insurance, and much more.


In This Episode, You Will Learn:

  •  A bit about Dennis and how he got into income protection (1:43)
  • Why is no one talking to their clients about income protection (7:09)
  • Three things everyone should know about income protection (8:38)
  • Why are most people unsure about disability insurance? (16:04)
  • The Job A / Job B exercise (17:21)
  • Where does Dennis see protection for business owners heading (24:47)


Connect with Dennis:


Let’s Connect!



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How To Maximize Reverse Mortgage Benefits with Mitchell Cooper

How To Maximize Reverse Mortgage Benefits with Mitchell Cooper

What are the main differences between traditional lines of credit and an FHA reverse mortgage?


In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit. 


Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about. 


In This Episode, You Will Learn:

  • The main difference between reverse mortgages and traditional lines of credit (1:56)
  • In reverse mortgages, the line of credit grows (4:55)
  • How can we make a growing line of credit work for us (6:47)


Connect with Mitchell Cooper 


Let's Connect!



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8 Myths About Reverse Mortgages with Mitchell Cooper

8 Myths About Reverse Mortgages with Mitchell Cooper

There are a lot of myths about reverse mortgages. Some think they can lead a person and their heirs to lose everything, have tax issues, or lose their social security benefits; none are true. Still, horror takes over clients' faces whenever we suggest a client consider reverse mortgages. 


In this episode, I'm really excited to welcome Mitchell Cooper back to the show. Mitchell is a Certified Reverse Mortgage Professional at Mutual of Omaha Mortgage, passionate about educating and guiding clients on the strategic and responsible use of home equity and retirement income planning. In this first part of a two-part series, we go through 8 of the most popular myths on reverse mortgages. 


Listen to this episode of On Life With Helen to learn how truthful the myths about reverse mortgages are. 


In This Episode, You Will Learn:

  • Is it true that lenders own the homes they have a mortgage in (5:15)
  • Are funds received from a reverse mortgage taxed? (6:32)
  • How risky reverse mortgages are (7:27)
  • Can the borrower end up owing more than the home is worth? (9:21)
  • What happens if a borrower outlives their expectancy? (14:08)
  • Can a reverse mortgage impact your social security benefits? (17:29)


Connect with Mitchell Cooper 


Let's Connect!



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A Room With A View, Please with Renée Balcom

A Room With A View, Please with Renée Balcom

If you think about where you would like to spend the final years of your life, you most certainly won't pick an eight-by-ten room in a building living with a bunch of strangers and having to report for breakfast, lunch, and dinner. Yet somehow, society pushes us to believe it is an ideal place for older adults. 


In this episode, I'm talking with Renée Balcom, Professional Healthcare Advocate, Founder and CEO of Renée & CO, Keynote Speaker, and Author. Today, Renée helps us understand how we can offer the best environment to our loved ones in their final years. 


Listen to episode 39 of On Life With Helen to learn from Renée how to avoid the predatory side of the adult care industry, what options exist to offer our loved ones the best care, and why it is crucial not to react during a crisis. 


In This Episode, You Will Learn:

  • The things we like don't change after we age (2:34)
  • A bit about Renée's background and history in the healthcare industry (5:16)
  • The dark side of the adult care industry (9:13)
  • What is aging in place? (23:57)
  • The benefits of multigenerational environments (26:40)
  • What questions should you ask when hiring adult care (33:56)
  • Try not to act in crisis (46:15)


Connect with Renée:


Let's Connect!



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Choose To Be Brave Every Single Day

Choose To Be Brave Every Single Day

How many things did you do despite being scared this year? 


In this episode, I'm talking about the fears conquered, the accomplishments, the chances of being brave I didn't waste in 2022, and my expectations and vision for 2023. As we get closer to the final sprint of the year, a year I used to clean my plate, mentally and physically, I take time to look back and give myself some grace for every box on my to-do list I checked. Today's show is also an invitation for you to do the same. 


Listen to episode 38 of On Life With Helen and learn about what you can expect from this podcast in 2023 and my three main goals for next year. I also encourage you to plan what you want to achieve in your personal life and business and, most importantly, allocate time to relax and enjoy your achievements. 


In This Episode, You Will Learn:

  • The universe rewards the brave (2:21)
  • You can find things to be brave daily (2:50)
  • It's time to congratulate yourself for being brave (5:01)
  • My gratitude for having Jackie Martinez in my life (10:59)
  • My three big goals for next year (14:52)


Resources mentioned:


Let's Connect!



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Jen Livengood - Holiday Hacks for Health

Jen Livengood - Holiday Hacks for Health

The holiday season is usually a time for reflection, planning, and, quite often, feeling awful after overeating and experiencing food coma symptoms. 


In this episode, the lovely Jen Livengood visits us again to share five hacks to take care of your health during the holidays that'll help you keep your mental and physical health on track. As an experienced registered dietitian and functional nutritionist, Jen brings answers to some of the most common doubts and difficulties we might find during the end of the year's celebrations. 


Listen to episode 37 of On Life With Helen to learn how to deal with the little devils that sit on your shoulder and ask you to ignore what your body says and keep eating. Jen teaches us how to enjoy the holidays' whole experience, prepare to eat less and still indulge ourselves, limit sugar consumption, set achievable goals, and so much more. 


In This Episode, You Will Learn:

  • A bit about Jen's expertise and how she helps people (2:03)
  • Savour the holidays spirit (3:02)
  • How eating before you eat helps you keep yourself in line (6:35)
  • Always start with the veggies first (8:34)
  • The importance of being aware of sugar consumption (13:08)
  • Why it is crucial to set achievable goals (18:03)


Resources Mentioned

Connect with Jenn:


Let's Connect!



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Trevor Patching - Employee Retention Part #3: How to Fund the Commitment

Trevor Patching - Employee Retention Part #3: How to Fund the Commitment

You already learned why retention is so important and how to implement the stickiest plans to make it happen in parts one and two. Now it's time to find out your options to fund that commitment. 


In this episode, in the third and last part of this series on employee retention with Trevor Patching, you'll learn the best options to fund your retention plans and how to recognize the right approach based on your company's size and projection. 


Listen to episode 36 of On Life With Helen and find out why most companies fund their retention plans with life insurance, how they manage to get back every dollar and some profit, and why you should consider having multiple policies as an asset. Trevor also explains why there is no one-size-fits-all solution for companies, the magical advantages of premium financing, the best moment to get premium financing, and much more. 


In This Episode, You Will Learn:

  • Why is life insurance the preferred vehicle to fund retention plans for most companies (3:08)
  • How most life insurances work and why they are so helpful (4:48)
  • A bit about other funding strategies (11:12)
  • What is premium financing, and how it works (16:27)
  • There is no one-size-fits-all solution (22:09)


Connect with Trevor:

  • Website
  • Email: trevor@theatticusgrp.com
  • Phone: 561-523-3947


Let's Connect!



Hosted on Acast. See acast.com/privacy for more information.

Bio of On Life With Helen

On Life With Helen is a podcast, hosted by Helen Ornellas. The podcast aims to provide wisdom on how Life Insurance can provide security and abundance in all stages of life.

Listeners can expect to gain valuable insights and practical advice that can be applied to their own businesses.

This podcast covers a wide range of topics, such as industry trends, market developments, innovative approaches to selling life insurance products, and more.

This podcast invites guests, who discuss the insurance business and uniquely understand the different needs required as you age in life.
Through engaging conversations and insightful discussions, Podcast provides practical resources and actionable strategies that leaders can implement in their businesses.

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