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Complete the form below to receive your side-by-side LTC insurance information from the top blue-chip LTC insurers via FedEx direct to you in an organized custom binder. Reviews of each company’s financial stability ratings, claims experience, and size. A side-by-side comparison of each company’s policy features. We cover the similarities and the differences. Price comparisons customized to suit your specific needs from top carriers such as Allianz, Athene, Voya Financial, Fidelity & Guaranty, Great American Life, Guggenheim, North American, National Western, amongst others.

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Long Term Care Insurance Buying Tips

You must purchase a long term care insurance plan before you need to use it because once you get sick or get an injury you will be uninsurable and will get declined. Plan ahead and buy early because the younger and healthier your are the lower your premiums will be. Shop around when buying long term care insurance and be sure to get quotes from at least 3 different carriers.  There are a bunch of companies out there and make sure you get quotes from Genworth Financial (formerly GE Capital), John Hancock, MetLife, Allianz Life, Prudential Financial, and Mass Mutual.  These are the absolute best LTC insurance companies on the market.  There are a few other good LTCI companies out there but make sure you compare them to the ones mentioned above. Check the LTC insurance company’s financial ratings and credit stability through third party companies like A.M. Best or Standard & Poor’s. Your State’s Insurance Commissioner also has records of compliant report ratios for long-term care insurance companies. Be sure to read your long term care insurance policy and look carefully at the exclusions in it before you buy.  Work with an agent who represents several LTC insurance companies […]

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Why Buy Long Term Care Insurance?

Maintain your independence People who are not able to directly bankroll their own LTC expenses must first use up their assets before they qualify for Medicaid. Medicaid will not cover you if you want to receive care at home or at an assisted living center.  Your options will be down to nursing homes that are approved by Medicaid. If you rely on Medicaid, you only get a semi-private room. The advantage of long term care insurance policy gives you multiple choices and an action plan that you can rely on. You can choose to be cared for in your own home, in an assisted living facility, adult day care, or a nursing home. Protects your spouse with Long Term Care Insurance Married couples who will need long term care must consider the burden they will place on their spouse. Your spouse may be forced to into taking care of you and many times their health will begin to deteriorate.  If you pay out of pocket for care you may leave your spouse with no assets and no safety-net. Prevents being a burden on your children Most kids will take care of their parents if need be…but ask your self the tough […]

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Long-Term Care Insurance

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What if you could protect you and your family from the greatest risk to your finances and retirement?  Imagine the comfort you would feel knowing that you’ve planned. The Sobering Fact New England Journal of Medicine: 43% of those who are over the age of 65 will spend some time in a nursing home. Times Have Changed Baby boomers have changed America in many ways from early retirement and vacations to computers at the workplace.  Thanks to healthier lifestyles such as gym memberships and advancements in healthcare, it is not surprising that baby boomers will also experience a different aging process than their parents did.  Baby Boomers are living longer, and thus may be at a greater risk for chronic illness–which will require long term care assistance. Will You Be Ready? Unfortunately, a lot of Americans downplay the risk of becoming unable to care for themselves and possibly have misconceptions about who will pay for their Long Term Care needs down the road.  Many will choose to bury their head in the sand and depend on the Government (Welfare Program).  Along with an increased life expectancy will come an increased chance of needing Long Term Care (LTC).  Just as you […]

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Life Insurance

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Protect Your Home And Family With Quality Term, Whole, or Universal Life Insurance at Great Rates. If you or your spouse were to pass away unexpectedly, wouldn’t you like to have your home mortgage paid off and the money to replace your family’s lost income? We work with over 30 different A+ Life Insurance companies, and will shop the market to find you the absolute best rates.  We will give you an objective opinion, because our hands are not tied to one company.  Get your free quotes today by filling out the request form below and we will give you rates from at least 10 different companies. To the left are just a few of the trusted companies we broker for. Request your Information Now By: The smart and easy way to shop for Life Insurance To get your free policy quotes, simply complete the secure form below, and then sit back and relax.  We will shop the entire market of companies to find you the absolute best value!  No more moving from company to company in search of the best product that fits your needs because we work with all the major Life Insurance companies and have no preference to any […]

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De-mystifying the Deficit Reduction ACT OF 2005 for Long Term Care Insurance

A question that many people ask me is why is there such a big push for consumers to plan for long-term care costs?   Well, perhaps the real reason is that the first wave of more than 75 million Baby Boomers turns 60 this year.   “By 2030, Medicaid’s (Welfare) expenditures for long term care alone could reach nearly $134 billion, a 360 percent increase.  While the annual cost of a facility stay is nearly $60,000 per year now, it is expected to increase to $200,000 by 2030.”  ACLI, 6/18/2004.* The message is clear—consumers are urged to plan now for future long-term care needs because there is simply not enough money to fund everyone’s care. On February 8th, 2006, President Bush signed the Deficit Reduction Act of 2005.  The changes in this law substantially alter eligibility for the Medicaid long-term care benefit, and also will help to expand the number of states offering long-term care “partnership” programs beyond the existing four states. The law encourages Americans to take control of their long term care planning and serves as a reminder that the Medicaid long term care benefit will only be available to those who are truly needy.  Those who can afford […]

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Individual and Family Health Insurance

If you are in ANY other state besides Georgia click on our trusted partner above for your free Health Insurance Quotes. Individual Health Insurance Plans Are you looking for a quality health insurance plan at an ideal price?  If so… we help our clients who are self-employed, or people who simply do not have health insurance find the right policy for their unique needs.  We do this by shopping your business with the leading companies to find you and your family the absolute best health insurance policy at the best rate.  Please fill out the from below and we will get you your quotes within 30 minutes or call us today for your quotes…we’re here to help. Affordable Health Insurance is a major concern for American’s today and we know how important it is to find quality Health Insurance at an ideal price.  If you are a resident of Georgia we can help, if not click on the link above to get multiple quotes from agents in your home town. Customer service is our priority.  Got quick questions about your Health Insurance options?  If you click on the LIVE Help link on the left hand side, you can talk to a […]

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What factors affect the premium of Long-Term Care Insurance?

Long term care insurance is not as expensive as you may think. There are various options that can be used to customize a plan to fit your specific needs and budget. The cost of your coverage will depend on a number of factors including: 1. Your age when you apply 2. Your health 3. The amount of coverage you choose 4. Preferred health discounts, married, or even partner discounts with some companies such as John Hancock. Many people have found innovative ways to pay the long term care insurance premium, such ways are: • Take a portion of the interest on a given asset such as a 100k mutual fund and you that portion to protect your whole portfolio. • Some people may choose to use the dividend income to pay the premiums • There are some solid fixed and variable annuity products on the market where you put say 100k in the annuity vehicle and again use the interest to pay the premium. The ageless saying, “you get what you pay for”, applies in the Long Term Care market as well. Long-term care insurance is one insurance products that you do not necessarily want to get the best price […]

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The Top Six Reasons People Plan for Long-Term Care

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What’s important to you about your long term care insurance risk? Burden: People don’t want to be a burden to their children, spouses, and friends for chronic personal care and/ or the finances required for that level of care. Access to Quality Care: People want the freedom of choosing the best home health agency or nursing home in the market.  They don’t want the government telling them where they can go if they are on Medicaid. Aversion to Welfare: People have an aversion to welfare which is MEDICAID. Asset or Nest-Egg Protection: People want to protect their assets that they have worked hard to save and simply don’t want to give $60,000 a year to a stranger who owns a Nursing Home. Control and Independence: People want control and independence in choosing how they will live and the kind of care they will receive. Peace of Mind: The peace of mind that is offered by Long Term Care insurance is immeasurable.  Being able to sleep at night knowing one is protected, instead of worrying about what to do when health changes is the feeling most people desire. Get Your Free Long Term Care Insurance Quotes Below! Request your Information Now […]

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What factors determine your Long Term Care Insurance rates?

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Long Term Care Insurance companies determine your premium rates based on several factors which are: 1. Your Age: The younger you are when you apply for long term care insurance the lower your rates will be. 2. Your Health: Your health at the time the long term care insurance policy is issued will play a factor in the rates.  Long term care insurance premiums are higher if you have health issues such as Diabetes, Hypertension (high blood pressure), etc.   The Long term care insurance companies will ask for permission to get your current health records from your Doctor and then the underwriters will review them to put you into a rates class.  Most companies will offer preferred, standard, rate 1, or substandard rate-class.  In some cases the long term care insurance companies will ask you to do a physical exam or a memory exam to check for Alzheimer’s or other cognitive disorders.  When you fill out the long term care insurance application be sure to answer all health questions truthfully and to the best of your knowledge. This will help you avoid complications when a claim arises.  If the long term care insurance company learns you did not fully disclose […]

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