Published on October 31, 2025

Happy Day of the Dead💀!

Happy Halloween🎃 and Día de los Muertos💀🎉,

We’re hoping November 1st finds you in your finest form, with your Medicare Insurance working as it should📋🏥👍.

If you are unsure, e-mail Gray, Gray@TheBig65.com, or book a time on my calendar.

Remember when your varmints were pipsqueaks? You blink one day, then they’re up and out. How the hell did that happen🤔?

Of course we miss em’, but it sure beats the alternative… them living in the basement and never growing up🧔‍♂️👕🩳🎮🍕🥤🛋️🏠⬇️

Yet on cold November mornings, it doesn’t stop us from reminiscing!

We were in Southern California at the time of this picture, a stone’s throw from Disneyland, scraping by as young parents, but we always got pumpkins. I mean ya gotta have pumpkins, right?

Cute kids in a pumpkin.

Now we see our adult kids, navigating their own adventures, moving at light speed, and we know they’re just like us… too busy to appreciate the magic of the moment.

Cute kids dressed up for Halloween.

Still, I love to carve pumpkins. And that’s the point of traditions and rituals, maintaining connection and meaning, passing it on to the next generation.

Karl carving a pumpkin as Miti and Plato watch.

My Dad would’ve been 100 this week. I still miss him every time I move a bishop, but I’m glad he’s gone. He died on his own terms, never a burden to the ones he loved.

I hope, when it’s my time, in 5 minutes or 50 years, that I depart with his grace.

A black and white photo of Karl playing chess against his dad as a brother watches.

So many things are beyond our control, but there are plenty of things we can do to make the passing less painful for those we love when it eventually happens:

  • Update our wills and keep the beneficiaries current.

  • Establish or revisit medical power of attorney and advance directives.

  • Make sure someone you trust knows where important documents are located.

Review your financial and insurance plans regularly so loved ones aren’t left guessing.

Karl, Quantz, Miti, Plato - all ready for Halloween.

These steps won’t erase uncertainty — nothing can — but they can give us agency, dignity, and peace of mind.

And they’ll make life a little easier for the people we care about most, when the time comes.

Client Judy is doing her best to make sure abominable snowman doesn’t have to worry about her 😆.

A lady and a monster.

When Q took Miti to a coffin race in Colorado Springs last weekend, complete strangers reached out and welcomed Miti to America. The dude on the left put his hat on Miti for a photo.

Despite the noise, anger, and the fear amplified by social media, remember the reality:

Americans are the kindest, most decent people you will ever meet anywhere in the world.

A group of people surrounding Miti.

I will never minimize the challenges we face, but always remember…

There is no them, there is only us!

Miti looking through the eye of a Halloween Jack-O-Lantern.

If you see the world as broken, you’re right! If you see the world as fixable, you’re also right!

Plato the big black and white dog wearing a cow costume.

When Miti returns to Madagascar next summer, she’ll return to one of the poorest nations on the earth. Her country is broken by corruption, poverty, and political unrest.

So when she hears talk about the problems we face here in the US, she looks at us in disbelief.

“What problems?” She asks. Perspective is everything.

So on this Día de los Muertos, give thanks for what you have and live this day as if it were your last!

Miti next to ladies wearing white.

Keep squeezing the juice🍊 out of life and look for ways to help others.

If family or friends need help… referrals are the lifeblood of my business.

If you know someone who might like to receive The Big 65 newsletter, forward this link.

Medicare questions or problems?

Book a time on my calendar or email Gray, Gray@theBig65.com.

Let us know what’s going on and please send pictures :).

Karl Bruns-Kyler
(877) 850-0211
Book a time on my calendar here
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Karl Bruns-Kyler is a Medicare insurance broker and independent Medicare agent licensed to help Medicare recipients in thirty states around the country, including:

Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Florida
Georgia
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maryland
Michigan
Minnesota
Missouri
Montana
Nevada
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin

The Big 65 Medicare Insurance Services does not offer every plan available in your area. Currently, we represent 10 organizations that offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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About the Author

Karl Bruns-Kyler is a licensed independent Medicare insurance broker with over 20 years of experience helping clients make confident, informed healthcare decisions. Based in Highlands Ranch, Colorado, Karl works with Medicare recipients across more than 30 states, offering personalized guidance to help them avoid costly mistakes, find the right coverage, and maximize their benefits. Connect on LinkedIn