We offer a desirable portfolio for all your clients’ Long Term Care solutions. The following are our suite of products.
Long term care insurance (LTCI) helps you when you need it most. The odds are that at some point in your life, you’ll need long term care. Unlike other types of health insurance, LTCI covers the costs of care in any home or facility by a professional caregiver. This means you’ll get immediate and long term help with basic activities, like dressing, eating, bathing and toileting. When you’re at your most vulnerable, LTCI ensures that you’ll keep your dignity, independence and assets.
Devastating to Your Family
Whatever the trigger- an accident, illness or old age, a long term care event can be devastating. Not only is it the single greatest risk to your retirement nest-egg, but it places enormous emotional, physical and financial burdens on your family. Becoming a full time caregiver comes at a high cost. Caring for your basic needs means your family members all have to set aside major parts of their lives, sacrificing career advancement, higher education and their own financial security. You’ve spent a life time building your family and your legacy. Don’t let your final years tear them apart.
LTCI is crucial for those who wish to avoid:
Depleting savings or retirement. At today’s rates, just 3 years of home care costs over $150,000 for one person. With 5% inflation, within 30 years that cost will increase to about $625,000.
Burdening grown children. In addition to being geographically dispersed, your extended family may already have ongoing obligations – children, jobs, etc.
Being sent to a lower quality facility. One purpose of a long term care plan is to enable you to stay out of a facility and receive care in the comfort of your own home.
Protect Your Future. Long term care insurance (LTCI) helps you safe guard:
- Your assets. The high costs of daily assistance are covered the first day you need it.
- Your independence. Live at home with high quality professional assistance.
- Your family’s peace of mind. A professional care coordinator helps optimize your care.
- Your options. Having LTCI lets YOU decide where you receive care.
- Affordable rates. Buying LTCI at a younger age saves you money. Protect yourself against escalating costs of inflation by locking in today’s rates.
Insuring your future care ensures your peace of mind. Contact us today to learn more about your options. The sooner you qualify for long term care insurance, the sooner you can lock in today’s rates.