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Long Term Care Insurance

Did you know that 70% of people over the age of 65 will need some form of long-term care insurance in their lifetime?

We have insurance on our homes, our cars, and even our cell phone, but many people do not have insurance on their biggest risk of bankruptcy in retirement!

What is Long-Term Care?

  • Extended care is not a place or a condition, it is a life-changing event
  • Long-Term Care insurance pays for your care if you become unable to perform 2 out of the 6 activities of daily living (bathing, dressing, toileting, transferring, continence, and eating) or if you develop cognitive impairment

Our Philosophy around Long-Term Care:

We take an education-based approach to help you plan for Long-Term Care costs. We believe that if you have the proper information, you can make an informed and proper decision for yourself and your family.

Do you and your family have a plan in place if you were to need some form of extended care?

Without a plan in place, there are emotional and financial consequences on your family and loved ones. Long-Term Care insurance can be used to help fund your extended care plan, but traditional Long-Term Care insurance is not the answer for everyone. What is most important is to get educated on what your situation would look like if you were to need extended care.

Unfortunately, many people do not have a plan in place, and that is because they are not properly educated on their risks and options. This leaves many families forced to be reactive, instead of proactive. By doing your due diligence and getting educated by one of our specialists, you can then determine if the insurance would be the right fit for you and your family’s situation.

Types of Long-Term Care Insurance 

There are various avenues for Long-Term Care and these types of policies have drastically changed over the last few years! There are much better options than ever before.

Did you know that there are Long-Term Care programs where…

  • premiums are guaranteed to never increase
  • the policy will pay you cash
  • if the insurance is never used then all of the money paid in would be returned to the beneficiary upon passing

Things to consider when it comes to Long-Term Care:

  • Helps you pay for your extended care plan
  • Without it, you pay these exorbitant costs out of pocket
  • The odds of needing some form of Long-Term Care are higher than the odds of claiming your home/auto insurance and are even higher than the odds of being hospitalized

Misconceptions about Long-Term Care Insurance

We have helped thousands of clients find and qualify for affordable Long-Term Care programs. We get to know your situation in order to start exploring options, and most importantly, provide you with invaluable education. Call us today to schedule your free consultation!

We have helped thousands of clients find and qualify for affordable Long-Term Care programs. We get to know your situation in order to start exploring options, and most importantly, provide you with invaluable education. Call us today to schedule your free consultation!

 

More About Long Term Care Insurance

There are a few things to keep in mind when considering long-term care insurance. First, it’s important to understand what long term care insurance covers. Long term care insurance policies typically cover a range of services including:

  • In-home care
  • Assisted living
  • Nursing home care
  • Hospice care

Coverage options can vary significantly from plan to plan, so it’s important to read your policy carefully to understand what is and isn’t covered.

Second, long term care insurance is not health insurance. Health insurance plans typically cover medical expenses related to an illness or injury. Long term care insurance, on the other hand, covers the costs of the services we need to help us with activities of daily living.

Third, long term care insurance is not just for the elderly. While the need for long term care services does increase with age, anyone can need long term care services at any time.

Your Long Term Care Coverage

For additional information about how long term care insurance can provide you with lasting benefits, or to have your questions about long term care policies answered, contact our team by clicking below or calling the number above. Consultations are always free, so call today!

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It’s a great experience with how this company does business, trustworthy and quick response if you have any questions.

– Anonymous

Great Experience

Kristie! Thank you so much for making this so easy for me! You were the most helpful out of all the companies I contacted and I’m glad I did business with you guys. I will contact you if I have any questions. By the way awesome signature I wish I could sign like that. Have a great day.

– Mark V.

The Most Helpful

Wow! I didn’t expect to hear back from you until next week. Talk about customer service! Thanks so much.

– Monique I.

WOW!

Kristie, the pleasure is all mine. I enjoy talking to you. Thank you so much for always going above and beyond. You are a true blessing. Enjoy the rest of your day.

– Elizabeth A. E&E Concrete

Goes Above & Beyond

I am very satisfied with the service I received, the service is amazing I am very satisfied with this company. I would highly recommend him.

– Daphne Snipes

Very Satisfied

Brian Godfrey is pleasant, approachable, and knowledgeable about the subject matter.

– Jeremy Ziegler

Great Agent!

2000 S Batavia Ave., Ste 350 Geneva, IL 60134

136 West Grand Ave., Ste 249 Beloit, WI 53511

1090 South Gilbert Rd., Ste 213 Gilbert, AZ 85296

871 Coronado Center Dr, Suite 200 Henderson NV, 89052

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options