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Helping you plan ahead
Long-term Care Insurance

Picture this: you’re married with two kids and your elderly mother falls and breaks her hip, and she can no longer take care of herself. What will she do? How will she take care of her basic needs? What if this were you?

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.

CASE STUDY: Long Term Care Insurance is Not Just for the Aging
A younger, active client of mine bought into a long-term care Insurance policy as a precaution. Later, he severely broke his leg and required a six-month rehabilitation period. Because he had bought into a long-term care policy, he was able to tap into some of the many benefits and hire someone to come in and help with his daily living activities. Many people don’t know that you can use long-term care insurance for this benefit when these kinds of things happen. And here’s a tip: long-term care insurance is much more affordable when purchased at a younger age. Ask me how!

Our Service Pledge:

We promise to take a consultative approach to finding you the best insurance solutions for you or your business. We will:

  1. Review your current coverage and research insurance plans that meet your goals, needs and budget.
  2. Present plans in easy to understand terms and make recommendations.
  3. Thoroughly explain the plan features and their potential impact.
  4. Work side by side with you to complete the application process.
  5. Provide continuous follow up support to answer questions about coverage, doctors, membership cards, etc.
  6. Monitor your plan to make sure you are still getting the best deal and coverage.
  7. Review your plan annually to ensure your continued satisfaction.

Helena Ruffin, Company President

To say we were confused by the Affordable Care Act would be an
understatement. In fact, our very own insurance company was so confused that
we found ourselves inexplicably uninsured and coverage-less for the first
time in our lives, despite requesting one of the highest tiers of coverage
available. Confused, uninsured and pregnant with our first child we found
solace in a knowledgeable, caring and professional team of advocates with
the Ruffin Insurance team of Helena and Lindsay.

John Petrick, Perennial Financial Services