Long Term Care Insurance

Long Term Care Insurance - Did you know that home healthcare and nursing facilities are not covered by Medicare?  These facilities can cost up to $6,000 per month, if not more.  This can deplete someone’s life savings very quickly.  Long term care insurance provides a daily or monthly benefit for individuals who are unable to perform 2 out of 6 activities of daily living, which include bathing, eating, toileting, continence, dressing and transferring.  Long Term Care Insurance will pay for all or most of the cost associated with home healthcare or a nursing facility.  Depending on your age, the premiums for long term care insurance may be partially or fully tax deductible.

As an independent agency, we have the ability to "shop" all markets for the best plan that fits your budget.  We are continuously monitoring these products and believe that education is very important.  Knowing what product will work best with your unique situation is our goal.

Whether it's Term Life Insurance or Permanent Life Insurance; whether you would like to save for the future with an Annuity or protect your income with Disability Insurance or protect your assets by purchasing Long Term Care Insurance, we are here to listen and advise.

 

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