About Costs

I'm sure you're busy, and you probably just want to know what it costs and what you get for your money. However, I do need to know about your health in order to give you any meaningful numbers. If you already have an existing plan and just want to see if this is better, I'll be glad to help you with that as well.

Affordability is obviously a major concern.  LTC plans should be purchased to protect savings.  Paying Premiums SHOULD NOT be a major financial drain. We encourage you to please take the time to obtain quotes.  A lot of folks assume LTC insurance is too expensive when in fact it can be designed to fit well with your budget, age and health.  

Let me share with you how I work and you can tell me what works best for you.  I council most folks over the telephone using basic technology that allows you to view what’s on my computer screen. Most of the folks I speak with are like you still working or just very busy and prefer doing this over the phone.  If the phone and computer aren't convenient, we can work through email and the Internet.  If we do schedule a convenient time - we'll go through an Overview (similar to what's on the website) that covers the basics of long term care and long term care insurance. After that I’ll open a series of software applications that have all of the insurance companies registered with the Washington State Insurance Department. Basically, we'll go shopping together.

Over the past 18 years, we've worked with many interested individuals.  We understand that LTC is a personal decision and we take a low pressure consultative and educational approach to working with interested customers.

I trust that we will be able to answer all of your questions as well as develop care options that best suit your needs.

After we enter your age, health and marital status, I’ll be able to make recommendations as to the best company and benefits.  Then you’ll be able to see exactly what it will cost.  I can then email you all of that information for your review at your leisure.

At the end of your consultation you will know whether or not it is something you wish to move forward on or not. Would you like to schedule an appointment?  It will take approximately 45 minutes. 

Thank you again for your interest in LTC Capstone.  Warmly, Lisa