THE REVERE ADVOCATE – FRIDAY, OCTOBER 13, 2023 Page 21 OBITUARIES Marie L. “Louise” (Mack) D’Amore do the same! Family & friends are respectfully invited to attend a Funeral Mass at 11:00 a.m. on Friday, October 13th, 2023 at Immaculate Conception Church, 133 Beach St. Visiting hour is from 9:3010:30. Interment immediately following the funeral mass in Woodlawn Cemetery, Everett. In lieu of fl owers, please make memorial donations in Louise’s name to the Susan G. Komen Foundation (Breast Cancer) 13770 Noel Rd. Suite 801889, Dallas, TX 75380. O f Revere. Died on Monday October 9th at Brightview of North Andover, she was 96 years old. Louise, as she was known by all who knew her, was born on February 10, 1927, in New York City, NY. She was the daughter of the late John & Flora (Arsenault) Mack. Louise was oldest of six children, that later left New York City and settled in Chelsea, MA. She was educated in Chelsea Schools and was an alumna of St. Rose of Lima High School Class of 1945. Louise worked for several years before she married her husband I. Andrew D’Amore and moved to Revere where together they began their family. Louise was a devoted wife & mother and provided a loving, safe home for her family. She was an active parent and attended all of her children’s events and an active member of her community as time from her family allowed. Her family was her everything and being with them is all that mattered to her, making memories. She is the beloved wife of 57 years to the late I. Andrew D’Amore. The loving mother of Cheryl Scheeler & her late husband Robert Scheeler, David D’Amore, Paul D’Amore & wife Deborah Brown, Andrew S. D’Amore & wife Patrice Grant, and the late Theresa “Terry” D’Amore & her surviving husband Paul Cheffi . She is the cherished grandmother of 7 grandchildren and 8 great grandchildren. Dear sister of Frank Mack and the late John Mack, Robert Mack, Lorraine Graziosi, & Joan O’Neill. Also lovingly survived by many nieces, nephews, grandnieces, grandnephews, extended family & friends. We celebrate her amazing life and invite you to ELECTION | FROM Page 1 are going from call to call to call,” he said. Giannino is concerned about the new high school and how the city will pay for it, but he worries about building at Wonderland. He said the busy roads and traffi c in that part of the city would be a problem for young James R. Santosuosso the age of 18, and lived there until his passing. He will be missed by family & friends. Funeral Mass services took place at St. Anthony’s Church on Thursday Oct. 12, followed by private burial services at Puritan Memorial Lawn Peabody, where James will be laid to rest alongside his beloved Christine. Kindly send donations to St. Jude’s, in memory of James, his favorite charity for the children. RFD Firefighter Steven Michael Ferrante Jr. Do You Need Life Insurance After You Retire? Dear Savvy Senior, Do I still need life insurance after I retire? I’ve been thinking about dropping my policy to escape the premiums. Is this a good idea? Approaching Retirement Dear Approaching, It depends on your family O O f Revere. It is with a heavy heart we announce the peaceful passing of James R. Santosuosso 80, on October 6, 2023, from acute organ failure at Mass General Hospital, Boston. A lifetime resident of Revere, he was the loving husband of the late Christine (Pike) Santosuosso of Revere, the proud father of, and survived by his children Jean Young, Beth Blumenfeld, Leigh Santosuosso, James Santosuosso Jr., Julie Santosuosso, Amy LaVoie, Lorna Santosuosso, Paul Santosuosso, their spouses, & his grandchildren Deanna Santosuosso, John Young, Matthew Santosuosso, & Ethan LaVoie. The son of the late Theresa and Albert Santosuosso, brother to Joe Santosuosso & Nancy Collins. James was a successful, accomplished builder, and owner of Jeanie Homes for over 60 years, building and remodeling homes, and businesses in Revere and the surrounding communities. He was exceptionally skilled in various trades, and took a great deal of pride in the quality of his work. James Raised his family in his original Model home in Revere which he built at kids with new driver’s licenses making their way to school. He is also concerned about traffi c at the beach, which has three main roads in and out and major events like the sand sculpture competition. “We have a good relationship with DCR and we’re making traffi c as slow and smooth as possible,” he said. Giannino said he has been a f Revere passed away on October 4, 2023 at the age of 35. Born on January 12, 1988 to his loving parents, Capt. RFD Steven M. Ferrante Sr and Melinda K. (Bova) Ferrante of Revere. Cherished brother of Rachel Raffaele and her husband Chris, and Katherine Ferrante and her fi ancé Chris Wright. Adored uncle of Christopher, Vincent, and Salvatore Raff aele. Beloved grandson to Camille “Lindy” (Spinelli) Bova and the late Basil Bova, RFD Deputy Chief Thedore Ferrante and Gloria (Cataldo) Ferrante. Also survived by many loving aunts, uncles, and cousins. A Visitation was held at St. Anthony’s Church 250 Revere St, Revere on Thursday, October 12, 2023. Relatives and friends were kindly invited. Please arrive at the Paul Buonfi glio & Sons-Bruno Funeral Home on Friday at 9:30am if you would like to process by the Fire House on the way to St. Anthony’s Church for 11:00am Mass. He will be remembered for his vibrant spirit, his infectious smile that lit up any room he walked into, and his unwavering love for friends and family. Steven’s memory will forever live on in the hearts of all those who had the privilege of knowing him. regular at City Council meetings and he has the endorsement of Ward 6 Councillor Richard Serino and, of course, State Rep. Jessica Giannino, his daughter, whom he called his best friend. He said he will bring his experience with problem solving to the new council and that he wants to work to improve Revere for all residents. and fi nancial situation. While many retirees choose to stop paying their life insurance premiums when they no longer have young families to take care of, there are several reasons you may still want to keep your policy. Here are some diff erent factors to help you decide. Family situation: Life insurance is designed to help protect your spouse and children from poverty in the case of your untimely death. But if your children are grown and are on their own, and you have suffi cient fi nancial resources to cover you and your spouse’s retirement costs, then there is little need to continue to have life insurance. On the other hand, if you had a child late in life or have a relative with special needs who is dependent on you for income, it makes sense to keep paying the premiums on your policy. You also need to make sure your spouse’s retirement income will not take a signifi cant hit when you die. Check out the conditions of your pension or annuity (if you have them) to see if they stop paying when you die, and factor in your lost Social Security income too. If you fi nd that your spouse will lose a signifi cant portion of income upon your death, you may want to keep the policy to help make up the diff erence. Debts: If you are still paying off your mortgage or have other large debts, you should probably keep your policy to help your loved ones pay off these debts when you die. But if your debt payments are a small part of your net worth that poses no risk of fi nancial diffi culty, then you may not need it. Work: Will you need totake another job in retirement to earn income? Since life insurance helps replace lost income to your family when you die, you may want to keep your policy if your spouse or other family members are relying on that income. However, if you have very little income from your retirement job, then there’s probably no need to continue with the policy. Estate taxes: Life insurance can also be a handy estateplanning tool. If, for example, you own a business that you want to keep in the family and you don’t have enough liquid assets to take care of the estate taxes, you can sometimes use a life insurance policy to help your heirs pay off Uncle Sam when you die. To help you with this decision, consider talking to an estate-planning expert or a feeonly fi nancial advisor who can help you weigh out the pros and cons. Sell or Swap Your Policy If you decide that you don’t need your life insurance policy any longer, you may want to consider selling it in a “life settlement” transaction to a thirdparty company, which typically pays four to eight times more than the policy cash surrender value. The best candidates are people over age 65 who own a policy with a face value of $100,000 or more. If you’re interested in this option, get quotes from several life settlement providers or brokers in your state. To fi nd them, the Life Insurance Settlement Association provides a directory at LISA.org. Another option is to use a tax-free 1035 exchange to swap your policy for a hybrid product that blends life insurance with long-term-care insurance coverage. These products come in various forms, but they often combine a whole or universal life policy with a long-term-care rider. If you don’t use the long-termcare coverage, your heirs get the death benefi t. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
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