Long Term Care Insurance
A Promise to our Clients
We are a Puget Sound-based agency specializing in Long Term Care Insurance and Annuities. With only highly experienced advisors, we are able to offer expert recommendations based on a true understanding of long term care and are able to judge whether a policy: 1: is priced correctly, 2: has tough underwriting relative to pricing, and 3: containing the nuances you are looking for in an LTC policy.
Just as important is our promise to be there when your need for care arises. With several agents in the area, we are able to provide our clients with claim service and processing help. Help when you really need it most. We are here "Helping you plan for the rest of your life."
Why Now?
There are several reasons why you should make your long term care decisions. Rates increase with the age of the applicant. Once you make the decision to invest in long term care insurance, you are “locked in” at today’s age allowing you to pay level premiums. The longer you wait the more you will have to pay each year. In addition, premiums are affected by health. The better your health, the lower your premium.
Background
Long-term care used to be associated with just nursing home care for the elderly. Today, it is so much more. Consider this, most health insurance, including disability income insurance, does not cover long term care. The same is true for Medicare or Medicare Supplement insurance. 84% to 68% of care giving employees had to take time off during the day, arrive late/leave early or make personal phone calls while 33% had to formally decrease their working hours. Also, the cost of one year in a nursing home averages $72,000 and round the clock home nursing care already cost more than $164,000 a year in many parts of the country.
With family patterns changing, the emergence of women in the workforce and the rise of the “sandwich generation,” long term care has become an issue for individuals, families and employers.
Contact us for a free, no-obligation policy comparison
- Free copy of "Shoppers Guide to LTCI"
- Free Seminars or Personal Consultations
Get started with an Overview
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