strategies, solutions & services
Insurance Protection
Retirement Strategies
Retirement Strategies
The most important part of preparing for the future is protecting it. Help clients prepare for uncertainty, as they may live too long, die too soon, or become disabled. They need products that can help them protect the life they’ve built.
Retirement Strategies
Retirement Strategies
Retirement Strategies
A key to any financial strategy is preparing for retirement. You’ll be able to offer people a variety of options to help them prepare for their leisure years.
Business Solutions
Retirement Strategies
Business Solutions
Small business owners need financial and insurance solutions for themselves and their employees, and they need to ensure the future security of their business. As a licensed financial professional, we can offer a variety of products and services to help them meet these needs.
Legacy Strategies
Long-Term Care Insurance
Business Solutions
Without a personal legacy plan, the value of someone’s estate can be eroded by taxes, and the disposition of their assets may not be what they intended. Families need to be aware of this risk. They need a financial professional who can work with their attorney and tax professional in funding legacy strategies that can include life insurance products.
Long-Term Care Insurance
Long-Term Care Insurance
Long-Term Care Insurance
A plan to cover long-term care expenses is often overlooked but can be a key component of a solid financial foundation. Although the need for long-term care may be far into the future for many people, the time to plan for it is now – to help ensure expenses are covered if and when extended care is needed.
We are living longer.
LONG TERM CARE
We are living longer. The fastest growing group of people in the United States is 85 years of age. And the longer you live, the greater your chances of needing long term care. Take a moment and familiarize yourself with some of the basics about this important issue.
What is Long Term Care?
LTC is a wide range of medical and support services for people who need assistance in taking care of themselves. The support is given in a variety of settings--nursing homes, assisted living communities, adult daycare facilities, as well as home health care services. In fact, according to the American Association for Long Term Care Insurance, 43% of all LTC benefits were paid to home care programs last year.
Who Pays for Long Term Care?
Most people are surprised to find that Medicare and Medicaid do not cover (or cover on a limited basis) the cost for long term care. Nearly half the cost of long term care is paid by private insurance or from personal savings.
How Much does LTC Insurance Cost?
The cost of LTC insurance will vary for each individual based on factors including age, health history, and residence state. But the simple truth is that long-care insurance is much less costly than paying for long-term care services.
Long term care insurance is a strategic tool that can protect assets from the extraordinary costs of long-term care. Tap into the learning tools available through the links on this page and learn how this valuable coverage can benefit you, your parents and your clients.