LTC and Critical illness, stroke, cancer, mental or cognitive issues.
No one gets to pick what happens, and I have never had a client waiting by the door with bags packed to go to a nursing home.
How to pay for care is financial concern, but who will administer care and where?
We build LTC and Critical illness into products that fit client direction. Products and documents.
Life insurance, even our new term insurance products pay living benefits for critical illness, indemnity (cash to you versus reimbursement of expenses with receipts), and for those that require income, in the event of a LTC event, the income doubles. No underwriting, guaranteed benefits. Leverage, and tax efficiency that yield cannot keep up with. Illness, the black hole of retirement, requires proactive plans, and we believe you cant have enough free and low cost options.