Wouldn't you want to know...
about a major risk to you and your family's financial, physical and emotional well-being? Sure you would. Are you aware of the risks associated with needing long term care? While people may recognize long term care costs as a significant risk to their standard of living, many don't have a plan to minimize that risk. Planning for long term care is critical... and a comprehensive long term care insurance policy can be a critical part of the plan.
At LTC Profs, we specialize in offering long term care planning services to families, businesses and institutions. Our licensed, long term care specialists offer solutions designed to meet your care requirements at home, in the community, assisted living or skilled nursing facilities. LTC Profs offers you the finest plans available in the marketplace from rated carriers including Mutual of Omaha, Transamerica, Genworth, John Hancock and others. After an initial phone consultation, our licensed LTC Profs provide you with a comprehensive long term care quote from the major carriers which helps save you time, energy and money.
In some cases, due to age, health, cost or other reasons, traditional long term care insurance may not be the best solution. As a result of recent changes in the long term care industry, we now offer hybrid, asset based long term care solutions from One America, Lincoln National and others. These asset based long term care plans allow you the opportunity to use a single premium, meaning a one-time payment can allow you to pay for long term care protection and grow an asset simultaneously. Additionally, single premium plans are available that combine the best features of life insurance coupled with a long term care insurance rider.
Help protect your future today with a plan that allows you to have the option of choice and control over how and where you receive long term care services. Ask your LTC Profs Agent about your options for long term care.
Although we specialize in offering traditional LTC insurance where you pay a monthly, quarterly or annual premium. LTC Profs offers a range of annuity based products from major insurers.
These vehicles allow you to reallocate existing assets in savings, investments, or other annuities-on a single premium basis. Your money grows with a guaranteed minimum interest rate. It remains your money and is leveraged up to 9 years to pay for any qualifying LTC expenses you may have.
If you are like most consumers, you have concerns about market fluctuations, protecting the money you have saved for retirement, achieving growth in a historically low interest rate environment, and having access to the retirement income you need, when you need it.
A fixed annuity may be the answer for a balanced approach to your retirement planning. A fixed annuity provides protection from market declines, can give you growth potential over time and can provide a guaranteed stream of retirement income when you are ready.
Long-term care insurance can help you gain control. It can be a practical and more affordable way to help pay the high costs of long term care services. It may also help you:
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Maintain your independence so that you don't become a burden on your family
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Maintain more control over how you spend your savings
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Have the dignity of choice and control over who provides your care and where you receive it.
At LTC Profs, we provide our clients with the best coverage available in the marketplace.
