Most people think about long term care insurance after something happens, when the needs are urgent and immediate. However, as part of overall life and financial planning, long term care insurance must be considered early in life while you are still healthy, before you actually need it. The younger you are, the more affordable long-term care insurance will be.
In traditional long term care insurance, you pay into it year after year, and if you never use it, you lose that money. We recommend a different kind of insurance plan for our clients: an affordable universal life insurance policy with a long-term care rider, also known as an “asset-based” long term care policy. It accumulates value that you can tap into in the event that you require long-term care. If, however, you end up not needing that kind of care, it then becomes a death benefit for your heirs.
Either way, in the event of an unexpected loss, or if you are no longer able to care for yourself, you will have the peace of mind that you and your family will be secure and protected.
We promise to take a consultative approach to finding you the best insurance solutions for you or your business. We will:
Helena was very responsive to all our questions and calls. She managed the entire application process and worked with Blue Shield on our behalf. I was expecting the process of finding a group insurance plan to be overwhelming and long. Instead, we were enrolled with both health and dental plans within weeks. We would definitely recommend her services – Helena made an extremely daunting task much easier for the company and for us as individuals.