Long-Term Care Insurance
What if you could
protect you and your
family from the greatest
risk to your finances
and retirement?
Imagine the comfort you
would feel knowing that
you've planned.
The Sobering Fact
New England Journal of
Medicine:
43% of those who are
over the age of 65 will
spend some time in a
nursing home.
Times Have Changed
Baby boomers have changed America in many ways from
early retirement and vacations to computers at the
workplace. Thanks to healthier lifestyles such as
gym memberships and advancements in healthcare, it is
not surprising that baby boomers will also experience a
different aging process than their parents did.
Baby Boomers are living longer, and thus may be at a
greater risk for chronic illness--which will require
long term care assistance.
Will You Be Ready?
Unfortunately, a lot of Americans
downplay the risk of becoming unable to
care for themselves and possibly have
misconceptions about who will pay for
their Long Term Care needs down the
road. Many will choose to bury
their head in the sand and depend on the
Government (Welfare Program).
Along with an increased life expectancy
will come an increased chance of needing
Long Term Care (LTC). Just as you
plan for your retirement or your
children's educations, you should plan a
way to pay for your potential LTC needs;
because the costs of care can be
staggering...
The average national yearly cost for
care is the problem:
Nursing Home -
$70,912
Home Care -
$25,032
Assisted Living Facility -
$32,294
In February 2006,
according to an official at Genworth
Financial
Long-Term Care unit in Richmond,
Virginia.
Those costs can wipe out your nest-egg quickly. With the
average stay at 2.4 years, for instance, the average cost of nursing home care is now
$170,188 per person or $340,377 for a married couple
in today's dollars. Who knows how much
inflation will increase medical costs in the future, but
if you plan today it will be just one less thing you
have to worry about when your head hits the pillow at
night.
The Good News
92% of LTC claims were
for care that lasted less than 3 years.
(Long-Term Care
Claims-Milliman, April, 2005)
So,
the positive side
is 92% of your risk is within that 3
year window. To cover
the majority of you risk you don't need
a big and huge 10 year plan that will be
expensive...just a 3 year plan to cover
92% of your risk.
Learn more and get your quotes below:
Long Term Care
Insurance helps you:
1. Prevent being a burden on your
children, grand-kids, and family.
2. Protect your Nest Egg
(Assets/Savings)
3. Ensures you will get quality
care
4. Avoid
becoming dependent on Welfare
5. Maintain your independence
6. Stay at home as long as possible
7. Maintain flexibility in care options
8.
Most importantly, it preserves your quality of life
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Request your
Information Now By:
The
smart and easy way to shop for Long-Term Care coverage
To receive your free
policy comparisons and quotes, please complete this
simple, secure form below, and then sit back and
relax. We will shop the entire market of companies
to find you the absolute best value! No more
moving from company to company in search of the best
product that fits your needs because we work with all
the major LTC companies and have no preference to any
one of them. We'll simply find you the best.
Your customized
analysis includes:
-
A
review of each company's financial-stability
ratings, experience, and size.
-
A
thorough, side-by-side comparison of each company's
policy features.
-
Price comparisons customized to suit
your specific needs for
John
Hancock, MetLife, Genworth (GE), Allianz, Unum, and
Prudential Financial.
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