Life Insurance & Annuity Experts (888) 539-1633

long term care insurance

Long-Term Care Insurance — Think You Won’t Need Long-Term Care? Think Again According to a 2017 report from the U.S. Department of Health and Human Services, Long-Term Care (LTC) is something the majority of us will need. Approximately 70% of people over 65 will require chronic care later in life, and 20% of those […]

Think You Won’t Need Long-Term Care? Think Again

August 3, 2020 in life tagged Loans / long term care insurance / medicaid / mental health by Jenny McCann

Swabbing and testing all Americans for COVID-19 each year could become a normal routine. That, combined with antibody testing, have caused rates for COVID testing to skyrocket; they could cost a whopping $44 billion per year, according to a recent study. Diagnostic testing alone ranges from $6 – $25 billion […]

Rates for COVID Skyrocket

June 23, 2020 in life tagged life insurance / life insurane applications / long term care insurance / low-income by Jenny McCann

ssa_office_closed — Four states have taken the initiative and passed laws stating protecting businesses from “civil liability” for COVID-related claims. One of the four states, North Carolina, provides immunity to many different “essential businesses,” such as grocery stores and restaurants. Oklahoma, Utah, and Wyoming, however, offer immunity to anyone and everyone who […]

Protecting Businesses from COVID Claims

June 12, 2020 in life tagged life insurance / Loans / long term care insurance / low-income by Jenny McCann

Life insurance ownership has fallen by 9% over the past decade according to the 2020 Insurance Barometer Study. There are many different reasons for the decline, most notably due to the decline in employer-paid group life insurance benefits over the past 10 years. This drop although sharp has not caused […]

Life Insurance Ownership has Fallen in 2020 But The Need Is ...

June 5, 2020 in life tagged life insurance / life insurance agent / life insurance terms / long term care insurance by Jadon Sennet

Disability Insurance — May is Disability Insurance Awareness Month, a time when the insurance industry comes together to do something about the enormous gap that exists between Americans’ need for disability insurance and the actual coverage they have. Disability insurance is a form of income protection that pays a percentage of your monthly […]

Private Disability Insurance: Why You Need It

April 28, 2020 in life tagged awareness month / disability insurance / long term care insurance / short term disability / social security by Jenny McCann

The Financial Burden of Long Term Care Long Term Care is extremely expensive regardless of the option you choose for care. There are riders or insurance policies that will help you lower the expensive risk of long term care. You can even get life insurance with a long term care […]

Long Term Care Rider vs Policies

March 21, 2020 in life tagged aging parents / assisted living / life insurance riders / long term care insurance / universal life insurance by Jenny McCann

Life Insurance with a Long-Term Care Rider — I had an interesting conversation with my Aunt and Uncle, and I think the conversation is worth sharing. They were gravely concerned about not having enough coverage with their life insurance and considering changing to a different policy. I explained to them that adding a Hybrid Policy is just what […]

Why You Should Get a Hybrid Policy

October 11, 2019 in Health / life tagged life insurance / life insurance riders / long term care insurance / retirement planning by Admin

Long Term Care — Did you know that 4 out of 10 people over the age of 85 develop dementia? If you or someone in your family were in this situation, what would you do? Assuming that Medicare will take care of the costs might not be the best idea. Medicare will cover skilled […]

Consider Long Term Care

July 26, 2019 in life tagged Financial planning / life insurance / long term care insurance / permanent insurance / retirement planning by Jenny McCann

ways to use a life insurance policy — 20 Different Ways to Use a Life Insurance Policy, Part 3 There are so many different ways to use a life insurance policy. That is why it is so important to determine the reason why you yourself want life insurance and what purpose it will serve for you and your […]

20 Different Ways to Use a Life Insurance Policy, Part ...

June 22, 2018 in life tagged beneficiary / cash value / long term care insurance / retirement planning by Jenny McCann

Ways to Use a Life Insurance Policy — 20 Different Ways to Use a Life Insurance Policy, Part 2 To better choose which life insurance policy is best for you, it is important to know why you need life insurance and how you want to use it! There are so many different ways to use a life insurance […]

20 Different Ways to Use a Life Insurance Policy, Part ...

June 15, 2018 in life tagged cash value / long term care insurance / premiums / retirement planning by Jenny McCann