Long-Term Care

LTC & Living Benefits plans

Develop a Strategy Now to Protect Your Family

There’s a 70% chance, once you turn 65, that you will need some form of long-term care. We need to setup a plan to protect against that. Let’s protect your family and your nest egg.

Cost of Care:

  • $87,600 per year for private room in 2014
  • In 10 yrs with inflation = $123,568 per year
  • In 20 yrs with inflation = $174,305 per year
  • (at 3.5% medical inflation rate) Will your income keep up? (In retirement?)

Main Types of Asset-Based Long-Term Care

Whole life insurance with LTC benefits (including lifetime care options)

Multiple funding options including: Single Premium; Reoccurring Premium: 5 Pay, 10 Pay, 20 Pay, Pay to 95 (annual pay) or rolling over Qualified Plan money

Single premium annuity with LTC benefits (including lifetime care options)

Funding options including: Single Premium; Qualified money or existing nonqualified annuities – 1035 exchange

Product Features/Benefits

60-65 & SOON TO RETIRE: Confused & Concerned About Your Medicare and Social Security Options?

  • Premiums to fit your budget. You can pay all at once, over 10 years, over 20 years or over your lifetime to suit your budget.
  • Income-tax free benefits to help pay for home health care, nursing home stays and more, with flexible benefit periods, including lifetime LTC benefits
  • Single and joint life coverage to cost-effectively cover two people (you and your spouse or partner).
  • A guaranteed death benefit for your loved ones if LTC is never needed
  • Guaranteed cash value growth, which can be returned to you if you choose
  • Plans can be set up as life insurance or also as an annuity with LTC benefits

Life With Living Benefits – the Next-best Thing

Life with Living Benefits are available for both Permanent and Term Life policies (as always, restrictions may apply). Living Benefits are a useful enhancement to your ordinary Life Insurance policy and can provide additional benefits such as paying a portion of the death benefit directly to you, should a qualifying event occur:

  • Terminal illness,
  • Chronic or critical illness
  • Critical injury

The cost that is only fractionally higher than a standard life insurance policy.

Call for a quote or more details!

Asset-based Care Solutions Provide the Best Value and Affordable Peace of Mind. Find out more (see below) – or call us at 818-515-9870

Link for LTC overview Video
Link for LTC overview Video
Link for Detailed LTC video
Link for Detailed LTC video

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