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:
I was 6 months pregnant, with a pre-existing condition. Helena advised me that I would get a greater benefit if I would consider an HMO. She also walked me through the Blue Shield website to search for doctors and groups associated with Cedars Sinai Hospital…After have a c-section and being in the hospital for four days, I paid only $750… I found wonderful doctors and absolutely chose the correct plan for me. I would definitely recommend Ruffin Solutions, as it is a joy to work with Helena. Helena has also helped to find the right health insurance plan for my daughter as well as life insurance policies for my husband and I!