Meet my Friend, The “Menopause Whisperer”

I spent my 40s having uninhibited sex with E, a man from Mississippi (yes, Mississippi!) 14 years my senior. Thrilling sex. Sex that made me see stars – literally. Sex in all kinds of positions. Sometimes sex three times a night. Long drawn-out sex. Speedy sex. Sober sex. Inebriated sex.  No toys. No chains, whips and blindfolds. Just me and E. Up until our first sexual union I couldn’t have even imagined sex could be so intoxicating, 

Geri and the man from Mississippi many moons ago (BTW, that’s not ALL my hair. There’s a tree in the background)

E died 12 years after we met, when I was 53 years old. Although my sex life didn’t die with him, sex with new men didn’t come close to being as exciting.  I didn’t care. I had left corporate America two years before to launch my own business, an all-consuming endeavor.  

Then, year by year, sex has played a smaller and smaller role in my life. It’s not a big ticket in the lives of many of my FOFriends, either, whether or not they’re married. 

A vibrator is an acceptable stand in for E, even if it doesn’t have a southern accent. Frankly, the thought of having sex with an older man who doesn’t look like Liam Neeson isn’t especially appealing. Besides, it’s doubtful Liam would fancy my current physique. 

Enough about me. Let’s talk about you. If your interest in sex is diminishing weekly – but it distresses you – I know just the man who can help.

        Dr. James Simon

His name is Dr. James Simon, a prominent reproductive endocrinologist and certified sexuality counsellor in Washington, D.C. who has been called the “Menopause Whisperer” by Washingtonian Magazine. And, he’s just received the Distinguished Service Award from the International Society for the Study of Women’s Sexual Health, which recognizes an individual’s dedication and commitment to the fields of women’s sexual medicine and health.

As Dr. Simon treated women in their mid-40s who were fatalistically accepting their declining libidos, he was determined to step forward. That was 25 years ago, when he opened IntimMedicine Specialists, his Washington, D.C. practice.  

Now a preeminent authority on treating sexual, menopausal, and complicated gynecological problems, Dr. Simon explains there are “biological, sociological and psychological approaches to understanding low sexual desire and bringing couples closer together, rather than allowing them to drift apart.” 

What’s more, “women who have successful intimate relationships, including sex, are less likely to have sleep problems or other medical problems, and even live longer,” he asserts.

Since 1996, Dr. Simon has helped thousands of women, men and couples understand their waning sexual interest and take action to reverse it. “Women feel diminishing sexual desire is a fait accompli of aging, and nothing can be done about it,” he adds. “When it is exacerbated by menopausal symptoms, sexual pain, and fear of hormones, it becomes a self-fulfilling prophecy. If neglected, additional social and inter-relational issues predominate, making treatment far more complex.” 

The availability of pornography has had both positive and negative effects on sexual relationships, Dr, Simon believes. “It’s opened our eyes to new types of sexual encounters, which can help couples renew their sexual satisfaction. On the downside, explicit sexuality on the internet can raise unrealistic expectations,” he adds, “Patients ask me, ‘Why is sex so short?’ when they see it last an hour online,” he chuckles.

Dr. Simon and I have become friends, and we’re working together on an exciting initiative for mid age women – which we’ll announce later in the year. We’ve never discussed my sex life, but I’m certain that his intelligence, experience, wonderfully soothing style – teamed with his incredible ability to listen – will do wonders for yours.

You don’t have to live in Washington, D.C. or visit Dr. Simon’s office. Schedule a Zoom session and you’ll probably call him the “Menopause Whisperer,” too. You can reach Dr. Simon at 202-293-1000.

Treat Dry, Crepey Skin All Year

Crepe Erase compensated FabOverFifty with an advertising sponsorship to write this article. Regardless, I only recommend products or services that I believe will benefit my FOFriends.—Geri Brin

Winter is visiting, which makes this the perfect time to start protecting your skin from the harsh winds and stinging cold. Take it from me. The skin on your body can stay soft, supple and sensationally smooth throughout the winter – and all year round – if you do what I’ve been doing for the last three years. My legs, my arms, my hand, my neck – all smooth!  I’ll tell you the thrilling reason why in a moment.

Dry skin is common in later life.

We naturally lose oil glands as we age, and the overheated indoor air we rely on to keep our homes comfortable during the winter makes the problem worse! Think about a favorite pair of leather shoes that’s stretched out and cracked after years of wear.  Like leather, your skin has countless pores that absorb or release moisture. When it releases too much of its moisture, it will dry up. If it dries up too much, cracks may form, especially on your elbows and feet. What’s more, your skin loses its wonderful foundation of collagen and elastin, making it loose and saggy. 

Even if you continually use body lotion from Thanksgiving to Easter it won’t provide lasting hydration or softness, and won’t do a thing for the crepiness. I’ve bought dozens of lotions and body creams–drugstore to high end– over the years, so I can speak from experience.

As editor of a popular website, I’m often invited to try out all kinds of beauty products. One brand–Crepe Erase™—jumped out at me because I’ll never forget seeing the actress, Jane Seymour, talk about it on TV. She looks amazing, at 69, and has been using Crepe Erase for years, a fine endorsement right there!

The formula features TruFirm Complex, an exclusive blend that includes three plant extracts, to help reinforce our skin’s netting, so the skin can appear tighter and firmer, and looks like it did when we were younger. Crepe Erase also contains seven powerful hydrators, including coconut oil, shea butter, cocoa butter, olive oil, beeswax, cassava and Vitamin E, which absorb quickly and work to visibly soothe and renew the skin.

Crepe Erase is the #1 Selling Anti-Aging Body Treatment System for Dry, Crepey Skin*

(*Based on Crepe Erase sales data & IRI & NPD sales data for 2017.)

The Essentials Kit only includes two simple steps:

I grab my bottle of Exfoliating Body Polish when I shower, to lift away dead, rough surface cells and make my skin look smoother and more radiant. (By the way, don’t take long, hot showers because they’ll dry your skin even more!)  After the shower, I massage the Intensive Body Repair Treatment, with the TruFirm Complex, into the crepey skin around my neck, chest, arms and legs. The Body Polish has a beautiful, fresh scent and the Repair Treatment absorbs quickly and isn’t one bit greasy.

As I mentioned earlier, the skin on my body has felt smooth and hydrated for a few years, including during one exceptionally bitter winter. I’ve learned that the more consistently you use skincare products, the better the results. Adding Crepe Erase to my skincare routine has paid off when I need it most!

Crepe Erase™ isn’t a glorified body lotion. Trust me, it feels like I’ve tried them ALL.  If my word isn’t enough, look at these superb results from a 4-week Crepe Erase clinical study, not to mention the extraordinary before-and-after images they revealed on QVC.

98% EXPERIENCED IMPROVEMENT IN EVENNESS OF SKIN TONE ON THEIR DÉCOLLETÉ.

90% SHOWED IMPROVEMENT IN THE LOOK OF SKIN FIRMNESS ON THEIR ARMS.

88% OF WOMEN EXPERIENCED AN IMPROVEMENT IN THE LOOK OF SKIN ROUGHNESS ON THEIR LEGS AND KNEES.

{Based on average results of a 49 person evaluation by an expert clinical grader}

Results will vary.

Crepe Erase is so confident that you’ll love its products, it invites you to use them for 60 days, and, if you’re not satisfied, you can return the tubes–EVEN EMPTY–for a full refund, less s&h! This offer even gives me more confidence that these are quality beauty products. Plus, the line is incredibly reasonable in the first place!

and save 20% on the Crepe Erase Introductory Deluxe Kit + get FREE SHIPPING + a FREE GIFT valued at $38.

PS: While you’re at it, think about giving a Crepe Erase kit to your mom, daughter, sister or best pal so they’ll be as smooth as you in 2021.

Drink Up! Here’s To Your Health In 2021

A new guilt-free, great-tasting nutritious drink to help us stay physically active and mentally alert 

Celery stalks and carrot sticks have never been my go to snacks. I’m more of a chocolate bar and popcorn kind of gal. Sadly, I often get carried away – then sulky when I invariably gain weight. 

My kitchen is 15 feet from the living room, where I work. And, ever since Covid began nine months ago, snacks and sulks have pretty much become the orders of the day for me. 

The timing couldn’t have been better to try a new plant-based nutrition drink – Perennial Daily Gut & Brain – that’s crafted especially for the FabOverFifty generation.  The name may not be romantic, but I love what the ingredients of this “mini meal” are doing for my body. And I love its pure, rich chocolatey taste and smooth milk-like consistency, even though it doesn’t have a drop of dairy.  

Perennial is packed with 8 grams of plant-based protein, including pea, rice and non-gmo soy protein; 5 grams of prebiotic fiber; 11 essential vitamins and minerals, including Vitamin B12, B6, D3 and E, and folate, and Algae oil – a valuable source of essential Omega-3 fats.  

Thoughtfully blended into a tasty and convenient drink, these super healthy ingredients perform two essential tasks as we age: 1) Feed and stimulate the growth of healthy bacteria in our digestive system so the nutrients in our food are properly absorbed and converted into energy, a key function for longevity. 2) Help us stay mentally focused with a unique and nourishing nutrient complex to support brain health.

Interestingly, our gut and brain are actually connected by a major nerve called the vagus. When our digestive system metabolizes food, chemicals are released that talk to our brain to boost our mood and reduce inflammation. The antioxidants and prebiotics in a glass of  refreshing Perennial also help support our vitally important immune health.

Food scientist expert Sara Bonham formulated Perennial to champion the health of older adults

“Nutrient absorption is one of our key pillars, and we wanted each vitamin and mineral in Perennial to enhance the absorption of another. This ensures that they stay in our bodies and increase our energy,” explained Sara Bonham, a food science expert who conceived and formulated Perennial.  

Our bodies experience many changes as we age, such as a decrease in digestive enzymes, which can lead to issues including lactose intolerance and bloating. Plant-based Perennial is lactose and cholesterol free but fills in food gaps we may develop. 

>> Order Perennial. For today’s modern adults. Enter code 20FABOVER50 at checkout for 20% OFF. 

I grab a Perennial when I crave a mid-morning snack to tide me over until lunch, or for physical and mental boosts at around  3 pm. It’s satisfying, low in carbs, and does a whole lot more for my body than chocolate or popcorn.  It also comes  in vanilla, which is great in a smoothie or icy cold over Grape Nuts, my fave cereal. Nice for my weight, too, since it’s low in sugar and only 140 calories. 

The compact 8-ounce package slips into my purse, and I keep one in the car. Shelf stable, it stays fresh for a really long time.

Formerly involved in food development for giants like General Mills and Mars, Sara felt no one was championing the health of today’s older adults who are aging better than prior generations. Sara knows that we’re still working, starting our own businesses, and striving, And, we want to stay at the top of our game as we age.

Sara says her 60-something, working mom is Perennial’s perfect target customer. “She cares about staying mentally sharp and active. Physical and brain health are both important to her,” Sara said. 

Perennial was born from Sara’s inspiration to help people like her mom to live their best lives and give them a new sense of freedom. “We’re a human health science company dedicated to targeted plant-based nutrition for today’s modern 50+ adults,” she said. 

Enter code 20FABOVER50 at checkout for 20% OFF Perennial Daily Gut & Brain Sample Pack from January 8 (12:01 am) until January 31 2021  (11:59 pm). One time only.

Join a Zoom Master Color Class & Never Worry Whether a Hue Looks Great on You Again

Meet Jill Kirsh, the “Guru of Hue”

I once spent a fortune on a chartreuse outfit for a wedding.  I love the color, but when I got dressed I looked horrendous.  The shade made me look yellow. Jaundiced you might say. 

Then I met Jill Kirsh – the “Guru of Hue” – who knows precisely what colors will flatter a woman – any woman – based on her hair color.  Jill’s premise is simple: Our hair frames our face, so clothes colors that work well with our hair will enhance our skin tones and overall appearance.

Jill taught me that I should wear colors in the brown family. I carry her compact swatch book in my bag 24/7


Jill applies her clever color formula to the makeup she recommends from her sensibly priced, high quality collection of
blush, lipstick, gloss, lip pencil, eyeshadow, eyeliner, and mascara.  And, she’s created customized, wallet-sized swatch books filled with fabric pieces of the best shades for a woman’s hair color.

Meet Jill at our Master Color Class on Zoom, where she’ll show you how her system works and answer your questions. It will be great fun – and it’s free. 

You’ll never have to ask whether a color looks good on you again!

Fill in the form to register for Jill’s Gratis Master Color Class on Wednesday, February 17th, 2021 from 3 pm – 4 pm ET.


Giveaway: The Tate + Zoey Gift of Your Choice

Buying gifts for those we love is one of the greatest joys in life. And, you’ll find distinctive gifts for everyone on your list at Tate + Zoey.

To entice you to check out the fun and fab T+Z website, we’re giving one lucky lady the gift of her choice. 

So head on over to take a look, then come back to FabOverFifty to fill out the form below to have a chance to win.

Giveaway ends on Friday, December 4. And watch for Tate + Zoey giveaways for the next two weeks.

Win a Cool Zoom Color Consultation Worth $500!

Until I met Jill Kirsh about 10 years ago, I wouldn’t give a second look to a single item of green clothing. Open my closet now and you’ll see army green tees, olive green sweaters, moss green dresses. Once Jill showed me that many shades of green greatly flatter my face because they work well with my hair color, I became a green girl. Unsurprisingly, clothes in colors I once adored, including navy, gray and red, are far from flattering and have been banished  from my wardrobe.

Jill bases her clever color system on the simple premise that since our hair frames our face, the colors we wear will enhance our faces if they work well with our hair. And, if we change our hair color drastically, we’ll need to change the shades of our wardrobe. 

As more and more ladies today quit coloring their hair, they’re turning to Jill at jillkirshcolor.com to recommend the hues that look glorious with their distinct shades of gray – salt and pepper to silver.

Enter code FOF10 for a 10 percent discount on a consultation with Jill or on her exclusive makeup, scarves and swatch book

Each of us falls into one of four hair color categories, Jill says: Golden Brown, Deep Honey Blonde & Red Hair; Warm Blonde Hair; Dark Brown, Black, Salt & Pepper & Silver Hair and Gray & Ash Blonde Hair. And, she’s created customized wallet- size swatch books filled with fabric pieces of the best shades for your haircolor. The shades in the book all work together harmoniously, so you’ll look your best no matter which combination you choose.

LEARN – RIGHT HERE AND RIGHT NOW – WHETHER YOU’RE WEARING YOUR BEST COLORS 

Colors in the brown family are my other faves. That’s Jill’s swatch book, which I carry in my bag 24/7.

I whip out my swatch book even when I’m shopping online, holding it against the image of clothing I’m thinking of buying. 

Jill smartly extended her color formula to exclusive makeup, so you also can get the most flattering shades of blush, lipstick, gloss, lip pencil, eyeshadow, eyeliner, and mascara. The mineral pressed blush glides on beautifully to give a hint of color to my cheekbones in a highly pigmented formula. I need only a small amount of mineral eyeshadow to give my eyelids subtle, but noticeable, color. And vitamin E, jojoba oil, and shea butter  in the lipstick help moisturize my lips  while avocado oil helps make them supple! The products are talc and paraben free. Prices are completely sensible.

If you aren’t ready to splurge on a new wardrobe, consider investing in one of Jill’s hand-painted, one-of-a-kind silk scarves, which you can pair with pieces you own. One size measures a generous 12-inches wide and 60-inches long so you can twirl  it around your neck and look like a million. The scarf is a superb example of wearable art.

You can “meet” Jill online for a 90 minute, one-on-one coaching session where you’ll discover all your best shades of every color; get Jill’s masterful critique of a selection of clothes in your closet; discuss what colors would suit you best for gemstones, eyeglasses, leather – and more, and go makeup shopping on her site. Following the session, you’ll be able to contact Jill with questions anytime.

Enter code FOF10 for a 10 percent discount on a consultation with Jill or on her exclusive makeup, scarves and swatch book

   Jill Kirsh

This week – and for the next two weeks – one lucky lady each week will have the opportunity to win an online coaching session with Jill. Fill out the form below to enter by Saturday, November 28. The winner will be selected at random and notified by email.

Treat Dry, Crepey Skin All Year

Crepe Erase compensated FabOverFifty with an advertising sponsorship to write this article. Regardless, I only recommend products or services that I believe will benefit my FOFriends.—Geri Brin

Winter is visiting, which makes this the perfect time to start protecting your skin from the harsh winds and stinging cold. Take it from me. The skin on your body can stay soft, supple and sensationally smooth throughout the winter – and all year round – if you do what I’ve been doing for the last three years. My legs, my arms, my hand, my neck – all smooth!  I’ll tell you the thrilling reason why in a moment.

Dry skin is common in later life.

We naturally lose oil glands as we age, and the overheated indoor air we rely on to keep our homes comfortable during the winter makes the problem worse! Think about a favorite pair of leather shoes that’s stretched out and cracked after years of wear.  Like leather, your skin has countless pores that absorb or release moisture. When it releases too much of its moisture, it will dry up. If it dries up too much, cracks may form, especially on your elbows and feet. What’s more, your skin loses its wonderful foundation of collagen and elastin, making it loose and saggy. 

Even if you continually use body lotion from Thanksgiving to Easter it won’t provide lasting hydration or softness, and won’t do a thing for the crepiness. I’ve bought dozens of lotions and body creams–drugstore to high end– over the years, so I can speak from experience.

As editor of a popular website, I’m often invited to try out all kinds of beauty products. One brand–Crepe Erase™—jumped out at me because I’ll never forget seeing the actress, Jane Seymour, talk about it on TV. She looks amazing, at 69, and has been using Crepe Erase for years, a fine endorsement right there!

The formula features TruFirm Complex, an exclusive blend that includes three plant extracts, to help reinforce our skin’s netting, so the skin can appear tighter and firmer, and looks like it did when we were younger. Crepe Erase also contains seven powerful hydrators, including coconut oil, shea butter, cocoa butter, olive oil, beeswax, cassava and Vitamin E, which absorb quickly and work to visibly soothe and renew the skin.

Crepe Erase is the #1 Selling Anti-Aging Body Treatment System for Dry, Crepey Skin*

(*Based on Crepe Erase sales data & IRI & NPD sales data for 2017.)

The Essentials Kit only includes two simple steps:

I grab my bottle of Exfoliating Body Polish when I shower, to lift away dead, rough surface cells and make my skin look smoother and more radiant. (By the way, don’t take long, hot showers because they’ll dry your skin even more!)  After the shower, I massage the Intensive Body Repair Treatment, with the TruFirm Complex, into the crepey skin around my neck, chest, arms and legs. The Body Polish has a beautiful, fresh scent and the Repair Treatment absorbs quickly and isn’t one bit greasy.

As I mentioned earlier, the skin on my body has felt smooth and hydrated for a few years, including during one exceptionally bitter winter. I’ve learned that the more consistently you use skincare products, the better the results. Adding Crepe Erase to my skincare routine has paid off when I need it most!

Crepe Erase™ isn’t a glorified body lotion. Trust me, it feels like I’ve tried them ALL.  If my word isn’t enough, look at these superb results from a 4-week Crepe Erase clinical study, not to mention the extraordinary before-and-after images they revealed on QVC.

98% EXPERIENCED IMPROVEMENT IN EVENNESS OF SKIN TONE ON THEIR DÉCOLLETÉ.

90% SHOWED IMPROVEMENT IN THE LOOK OF SKIN FIRMNESS ON THEIR ARMS.

88% OF WOMEN EXPERIENCED AN IMPROVEMENT IN THE LOOK OF SKIN ROUGHNESS ON THEIR LEGS AND KNEES.

{Based on average results of a 49 person evaluation by an expert clinical grader}

Results will vary.

Crepe Erase is so confident that you’ll love its products, it invites you to use them for 60 days, and, if you’re not satisfied, you can return the tubes–EVEN EMPTY–for a full refund, less s&h! This offer even gives me more confidence that these are quality beauty products. Plus, the line is incredibly reasonable in the first place!

and save 20% on the Crepe Erase Introductory Deluxe Kit + get FREE SHIPPING + a FREE GIFT valued at $38.

PS: While you’re at it, think about giving a Crepe Erase kit to your mom, daughter, sister or best pal so they’ll be as smooth as you in 2021.

Hurry: The Pavilion Factory Outlet Gift Sale Ends in 5 Hours

Even if you won’t be able to hug many of your loved ones this holiday season, make sure they get their arms around your handpicked gifts. I heartily recommend that you visit PavilionGift.com on November 11, when it takes its popular Factory Outlet sale online for the first time in 17 years. 

Traditionally held at its headquarters in a small upstate New York town, the five-day event offers serious discounts up to 85 percent off Pavilion’s impressive products –  home decor and lifestyle to women’s accessories and baby clothes.

Now that the sale is going online, all of us can snap up cool and memorable presents for Christmas – and for holidays and special occasions throughout 2021. The company introduces hundreds of items every six months – mugs and frames (you can never have too many of these) to jewelry sparkling with Swarovski Elements and comfy cozy scarves (or too many of these, either.)  

I learned about Pavilion from my good friend Nancy, who’s been in the gift industry for ages, and I promise these gifts aren’t available anywhere else. They’re all designed exclusively by the company, and there’s something for every single person on your shopping list. Bringing inspiration to our hearts and our homes is Pavilion’s singular mission. 

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BRINGING INSPIRATION TO OUR HEARTS AND TO OUR HOMES 

This baby gown is “unbearably cute” for your new grandchild. And this mug and sock set will delight your cat-loving best friend. Pavilion doesn’t forget your pooch pals either. 

I’ve got my eyes on these luxe velvet slippers. Can’t wait to slip my feet into them on cold winter nights. 

The Pavilion We People collection celebrates the places and hobbies that fill our lives, from golf and tennis to beaches and mountains. You’ll even find a mug or a cap for your casinoor-cruise loving friends.

         The new Christmas Gift Set

Pavilion’s enchanting inspirational gifts have been warming people’s hearts for years, such as the beautiful and detailed Elements Angel line. The “Missing You” angel would make a perfect present this holiday season, when we aren’t seeing many of those we love most. 

And, its gift-boxed line of incredibly soft Comfort Blankets features satin embroidered hearts with sentiments including “Love You Mom. May you always feel comfort knowing you are very special and loved so very much.” What mother wouldn’t love to cuddle up with one of those? 

Pavilion is introducing fun, themed gift boxes this season, like this Christmas box overflowing with happy items like mugs, socks, ornaments and a canvas bag that says “Dear Santa, all I want is a FAT BANK ACCOUNT & a skinny body. PLEASE DON’T MIX IT UP again like last year!”

We can all use a laugh this year. Let Pavilion help you to send 2020 packing!

MARK YOUR CALENDAR FOR THE STUPENDOUS PAVILION FACTORY OUTLET SALE STARTING WEDNESDAY NOVEMBER 11, 2020.  

P.S. When you check out, please think about donating some of the oodles you’ve saved to Foodlink, a charity that collects, warehouses and distributes food to organizations including food pantries and soup kitchens. Its health programs also provide underserved communities with nutritious and affordable food. Passionate about helping Foodlink in its mission, Pavilion has been a dedicated partner for years.

Here’s to a Long Life – And Financial Independence

AgeUp compensated FOF to write this sponsored post. Regardless, we recommend only products or services that we believe will be helpful for our readers. All insights and expressed opinions are our own. —Geri Brin

My friend Linda plans to sell her New York co-op and move to a community living residence, but she’s worried her nest egg won’t last if she lives well into her 90s. Now 87 years old, Linda wishes the new AgeUp product had been available years ago to give her a supplemental income if she’s fortunate to live as long as her mom. “I’ve been independent my whole life, and I don’t want to turn to my daughter to help support me,” she said.

Available to any of us between 50 and 75 years old, AgeUp converts small monthly payments into greater – and guaranteed – monthly payouts once we reach a selected age between 91 and 100. Your monthly payment can be as low as $25, which makes AgeUp financially accessible. 

Think about it this way: Life insurance is based on the small probability that someone will die prematurely, and can help prevent the family left behind from becoming financially strapped. AgeUp addresses the other extreme, providing income when you live much longer than expected. These additional funds can help enable a higher quality of life and greater financial freedom – something that all of us desire in our later years. 

Consider that one out of every three Baby Boomers who are now 65 years old will live until at least age 90, and one out of seven will live until age 95, according to the Social Security Administration. While AgeUp is available to men and women, women would benefit the most as we’re more likely to live longer. AgeUp will help make sure we’re financially prepared so we can enjoy those extra years comfortably.

And how nice to be able to relieve our adult children of a possible burden. According to a survey conducted by AgeUp, a whopping 68 percent of millennials expect to provide financial contributions to their parents should they outlive their retirement savings. That means us! By planning for extended longevity now, we can set ourselves up to live the lifestyle that we want once we reach our 90s and beyond – one where we have our own resources and aren’t dependent on our children or family members for financial support. 

“We created AgeUp for physically healthy people in their 50s to early 70s who have longevity in their families and have a reasonable chance of living very, very long lives,” said Blair Baldwin, general manager. “My grandparents were financially comfortable, but my grandfather and grandmother needed years of in-home care in their later years, which can get quite expensive.” A product like AgeUp can help offset some of these costs, providing a recipient with a guaranteed income stream that lasts for the rest of her lifetime, plus the flexibility to spend the money as she chooses, with no restrictions or claims to file. 

HOW AGEUP WORKS 

First, you choose your monthly payment, which can be as low as $25 and as high as $250 a month. “Lots of people are choosing the $250 option, many more than I would have suspected,” Baldwin told me.

Second, you decide when you want your payouts to begin – called the “payout” age – and whether or not you want your money returned to your beneficiaries if you die before the payout age. 

Choosing “yes” guarantees that you’ll get back at least what you put in, no matter what. If you die before your target payout age, 100% of the premiums you’ve paid to that point will be returned to your beneficiary. However, your payouts will be smaller if you do reach your target payout age.

If you choose “no” for the “death before payout age” option, there’s no return if you die before payouts begin. There’s a chance you could lose your premium payments, but your payouts will be larger if you live to your target payout age.

If you reach the payout age but pass away shortly thereafter, your money will be returned to a beneficiary until they receive the total amount that you had contributed. 

You can start, stop or change the amount you pay at any time.

Here’s an example1 of what a 55-year-old woman could receive at different payout ages if she makes payments of $25 per month:

Unlike long term care insurance, which is really expensive, can have a coverage limit, and must be spent on medical costs, AgeUp is a low cost product with unrestricted use. You can use your monthly payouts however you choose, helping you to enjoy the financial autonomy that you’re accustomed to in your later years.

“Our goal is to give you the most bang for your buck,” Baldwin stressed.

IS AGEUP RIGHT FOR YOU?

To determine your own estimated monthly payouts based on your current age, gender, monthly payments, payout age and return of premiums, visit the AgeUp website and click “Get an estimate.” From here, you’ll answer a few questions and then use the AgeUp calculator to adjust your monthly payments, payout age, and return of premium option. 

Should you have questions or need assistance, AgeUp offers customer support via online chat or email, or you can schedule a call to speak with a team member. There’s also a robust FAQ page and a detailed product snapshot available on the AgeUp website.

We don’t know what the future holds, but AgeUp can provide peace of mind if you think that you may live an exceptionally long life and will need additional financial resources to lead the lifestyle that you want. Here’s to you and your longevity! 

Sponsorship Disclosure

AgeUp is issued and backed by MassMutual, and sold by Haven Life Insurance Agency, a MassMutual-owned innovation hub. MassMutual has been in business since 1851 and is rated A++ for financial strength by A.M. Best2. For additional information, visit our website or check out our frequently asked questions.

AgeUp is a Deferred Income Annuity (ICC19DTCDIA) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC. Contract and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in Arkansas is 100139527.

 

1These examples are estimated payouts based on rates calculated on September 10, 2020. Estimated payouts and rates for future contributions are subject to change. See illustration for complete information.
2Massachusetts Mutual Life Insurance Company (MassMutual) and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of July 24, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

 

A Facebook Gathering of Uncommon Gifts

You’ve made a smart decision to show your products to the FabOverFifty Facebook community of 518K gift-loving women.

 

These ladies are:

Wives who buy gifts for their partners 

Grandmothers who buy gifts for their grandchildren

Mothers who buy gifts for their “kids”

Sisters and friends who buy gifts for each other

And gift givers to themselves! 

 

YOUR GIFTS WILL ENJOY REPEATED EXPOSURE ON THE FABOVERFIFTY FACEBOOK PAGE – AND AT SUPER SENSIBLE PRICES. 

 

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