Long-Term Care

Long Term Care Insurance provides benefits for the cost of services designed to provide diagnostic, preventative, therapeutic, rehabilitative, supportive, and maintenance services for individuals who have chronic physical and/or mental impairments in a variety of institutional and non-institutional health settings, including the home, with the goal of promoting the optimum level of physical, social and psychological functioning.

While this coverage is not generally available to disabled persons, we have a number of programs that may provide some form of coverage to the disabled person.

More importantly, this type of insurance is critically needed to the disabled person’s spouse or other care giver. Consider the following:

• Long-term care is about chronic conditions and their care.
• Long-term care is not age specific – it can strike at any age.
• But, the older we get the greater the chance.
• Because the need for long-term care increases with age, it is important to plan for your long-term care needs while you are healthy.
• While the general population perceives the risk of needing long-term care services to be less than 25%, the actual risk for needing long-term care (either home care of nursing care) is greater than 50%.
• Future costs of Long Term Care is projected to be nearly $200,000/year by year 2030 – 5 times the average cost in the year 2000.

Quality Long Term Care insurance programs are avilable to eliminate… or partially offset the costs associated with Long Term Care.

We have a network of professionals who can help you decide how much and what type of this coverage is appropriate for you and your family.

Contact us for more information.

Asset Protection

Money Back Life & Long Term Care Insurance

We have an innovative product that links the benefits of Life Insurance and Long Term Care Insurance... and guarantees your money back. As with other Long Term Care coverage, this policy is not generally available to the disabled person... however some form of the coverage may be available depending on your situation. The policy is available on an annual payment basis... but also on a one time deposit (or transfer of other assets). This contract answers the question "What if I never need the Long Term Care Insurance?"

This insurance policy can be purchased up to age 80.

With one payment you can protect your assets from risk, taxes and long-term care. For many people the greatest risk of a long term chronic illness is the depletion of their nest egg to pay for care. This policy is the perfect solution for the right situation.

Example: 65 YEAR OLD SAMPLE RATES

$50,000. Single Deposit

$103,522. Life Insurance Benefit

$207,044. Long Term Care Benefit

($4,313. per month for 6 years for Long Term Care)

You can cancel policy at any time and receive a refund of your $50,000.

When planning for the future, we must consider the possibility of long-term care needs. A prudent plan will ensure that you live for today with security for tomorrow.

• Prepare for living longer
• Review and consider the risk of your assets and portfolio
• Balance your assets as your lifestyle changes
• Have emergency funds that are safe, liquid and tax advantaged
• Consider the risk of long-term care. Insure yourself with money-back long term care.

Please call us - we can help. We specialize in asset protection and long-term care.