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LONG-TERM CARE

WHAT if

You only paid for the care given?

Your plan came with a concierge?

Long-term care wasn't just for old people?

It was portfolio reallocation, not a new premium?

What if it's not about the money?

Self-funding was no longer the best option?

Your insurance premiums were tax-deductible?

YOU had a plan. Why stop now?

Questions? We can help! Schedule a consultation here.

Seventy percent

of people turning 65 this year will need long-term care at some point. Boomers will demand better solutions and we’ve got them.


Traditional long-term care insurance
  • Single pay, 10-pay, Lifetime pay
  • Fully tax deductible business expense for C-corporations and partially deductible for Sub S business owners.
  • Golden handcuff benefit for key employees.
Hybrid policies, a life insurance policy or fixed annuity, either with a long-term care rider.
  • You control the asset not the insurance company.
  • No use it or lose feature, return of premium options, and rate guarantees.
  • Tax-free exchanges with existing cash value insurance policies.

All policies come with a care coordinator to guide the process and minimize stress and confusion for you and your family. You can receive care where you’re most comfortable, which for most of us is at home. Let’s talk.

IMPORTANT FOR:

Ages 50-75

Family history of health issues

Maybe you –

Long-term care is increasingly important as we live longer and longer, but it’s not just a matter of age. Being covered or having insurance can save your financial plan when other health complications arise as we get older.

Dementia | Cancer | Heart Disease | Stroke | Multiple Sclerosis | Alzheimer’s | Parkinson’s | Or any other disease

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Keep every cent.

The rider remains intact, meaning every cent stays in your estate, ready to benefit your family or your favorite charity. These are the major advantages between Lifespan programs versus standard Long-Term Care Insurance. What if you require long-term care?

Learn More
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It’s funded tax-free by the value of your policy.

Health care is complex, a new world with choices few of us have even heard of until we need them. You get a local health care professional that personally assesses your care needs and helps you find quality care and support services. This means the best care for you while minimizing fear, clashes and burdens for your children, your spouse, and your friends.

Learn More

HOW THIS WORKS:

  1. You reallocate a small portion of your assets into a life insurance policy or fixed annuity. With a long-term care rider.
  2. If you need care, you pay for it with leveraged tax-free withdrawls from the cash value of the policy.
  3. If you never need care your beneficiaries receive a tax-free benefit from the life insurance policy or the contract value from the annuity.
  4. If you change your mind you can always get back at least 100% of your initial deposit.

YOU had a plan. Why stop now?

You can pay for care, but we can design a plan to supervise it.

Questions? We can help! Schedule a consultation here.

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