What is it?

Long-term care can protect your family, your goals and your assets. Think about if you end up in a situation where you need assistance with the basics of life, as many Americans do at some point. To hire qualified care givers could eat through a life savings within a few years. The cost involved could be devastating to your assets. If the state takes care of you, they can sell your assets and you become a number with questionable personal care. The state can even sell some of spouse’s assets. If you do get back on your feet you may have nothing left. You can’t give away assets, look back rule. Nothing left for beneficiaries. Long-term care allows you to offset much of this risk by paying a premium to cover these cost in the future.

Independence
Most people don’t like the thought of having to rely on family and in some cases feel like a burden if the time comes when regular daily activities become difficult. You can have a trained professional take care of you where you feel comfortable, at your home or a faculty that you feel comfortable.

Choice
As an independent advisor we can give you an objective view and let the companies fight for your business. Get the services you want at the best price available. Using our financial planning tools and your intended goals we can help determine how much coverage will meet your objectives.
Feel secure knowing you will have a dedicated advisor throughout the policy life, and when it may be needed in the future.

Here are some carriers we work with.