Mike Heslin, the actor best known for “Special Ops: Lioness,” has died. He was 30.

His husband, Scotty Dynamo, announced the tragic news on Instagram Saturday.

Dynamo said that Heslin died of “an unexpected cardiac event,” but that “doctors have no explanation for what happened.”

“On July 2nd, my husband, best friend, and soulmate @mikeheslin passed away from an unexpected cardiac event after a week long battle in the hospital,” Dynamo began his post.

“Michael was young, in perfect health, and the doctors have no explanation for what happened,” he added.

The recording artist called Heslin a “brilliant, selfless, talented, and a real-life guardian angel” and credited the late actor with helping him get through cancer.

“He truly was the sweetest, most caring, and loving man on earth, and he brought out the absolute best in everyone who had the pleasure to cross paths with him,” Dynamo wrote. “He moved through life with such ease and confidence, and turned everyone around him into a better version of themselves. No matter how difficult things got, we knew that there was nothing we couldn’t overcome with Mike in our corner.”

He continued: “Michael, meeting you was the best thing to ever happen to me. You are my world. You are everything to me. When I felt you take your last breath, my heart shattered into a million pieces. If I had the power to trade places with you, I would do it in an instant. But I will take it one day at a time like you always told me to, and live every day in your honor.”

Dynamo also revealed that the couple — who tied the knot in November 2023 — “were in the early stages of starting a family” before Heslin’s death.

“You were the most generous and giving person,” Dynamo added. “It brings me peace to know that, through your wish to be a donor, you have given the gift of life to four different families. I know that you are in a better place and that heaven has gained another angel.”

A GoFundMe page has been set up to cover Heslin’s funeral and hospital costs. Over $58,000 has been raised as of Sunday.

“There are many ways to define a person and their impact, and Mike is many beautiful things to so many people. But the word we keep returning to is Helper. In that Mike spirit, it’s time for us to be the Helpers,” a message on the page reads in part.

Heslin made his acting debut in the Showtime series “7 Deadly Sins” in 2014, according to his IMDb.

Last year, he appeared in two episodes of “Yellowstone” creator Taylor Sheridan’s Paramount+ series “Special Ops: Lioness.”

The show paid tribute to Heslin to Instagram, writing, “We are deeply saddened to learn about the passing of Mike Heslin. Our hearts go out to his friends, family and his husband Scott at this difficult time.”

Heslin’s acting credits also include the TVLand show “Younger” and the Lifetime TV movie “The Holiday Proposal.”

He created, wrote, directed and starred in the 2020 scripted mockumentary series “The Influencers.”

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Source: CNN

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.