A Most Devastating Caregiving Crisis and How To Avoid it – [Part 3]

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Alright today’s the day you’ve been waiting for…

I’m going to show you the best and fastest way to get your grubby little paws on the best LTC insurance option for you and your spouse.

Here we go

When it comes to buying LTC insurance there are a few things you need to keep straight in your head… 

The company is important, but it should not be the main consideration.

The best long term care insurance company and policy will be the one that offers the most features and flexibility, while providing an affordable premium. 

In other words… it gets you covered without busting your wallet up!

The most important thing to know when shopping for an LTC policy is this:

  • Buy while you can. When you’re healthy and insurable. Life is such much easier when you’re insurable!
  • Buy as much as you can afford… time is against you on this one.
  • And buy as a couple if you’re married, or have a life-partner. You never know who’s going to need it first.

Here’s a pretty nifty tool by Genworth

For you to calculate current costs of long term care through different facilities and types of care.

So obviously Genworth is one of the companies that offers straight up LTC…

But there are others that you should consider as well.

Here’s a list of them…

Top 10 Best Long-Term Care Insurance Companies

  1. AXA
  2. Genworth
  3. Guardian
  4. Lincoln
  5. MassMutual
  6. Minnesota Life
  7. Mutual of Omaha
  8. Nationwide
  9. Pacific Life
  10. State Life

I could go in detail about all of them…

But why do that when I can give you a link that gets you all the info you need to know nicely packaged!

>>>> Click Here 

Ok… So even though you now have all this information …

It still takes bit of time and work on your part to research all this stuff…

If you’re anything like me…

I like to spend my time doing things I enjoy.

Shopping for insurance is not one of those things…

I like reading, writing, swimming, and hanging out with friends and family.

That’s why when it comes to all things insurance… 

But specifically LTC…

I lean on Jose Hernandez…

A financial advisor out of Coral Gables, FL … who also happens to be a friend.

Jose is a no-nonsense type of guy when it comes to giving advice on financial strategies and products that are best for your unique circumstances.

Jose’s clients range from the Miami Port Authority, to the Miami Marlins’ administrative staff.

He handles these types of policy for well established business owners in the community, as well as for regular people like you and I…

People that want to save time and money by getting the best advice possible.

Once more thing about Jose…

I really appreciate the fact that he’s his own best client.

Here’s what I mean…

90% of the advice he provides to friends and family… he’s already applied to himself.

I like that in an advisor… 

Because it shows me that you have faith and conviction in your own advice…

And right or wrong…

I respect that.

If Jose is an option you’d like to consider…

In order to save time in implementing all this stuff…

And just get what you need specifically for you and your spouse, directly from a pro…

Then you can reach him directly at: 786.325.8819

Or email him: j@phgcompany.com

If you already work with someone… EVEN better!

Take this information straight to your advisor and have her set you up…

You can’t lose here!

They only way that can happen is by not taking action…

And not getting you and your spouse the kind of coverage that could spell the difference between a worry free aging process…

Or the kind of nightmare you never wake up from.

Believe you me… 

It can happen to the nicest, most ‘thought-I-was-prepared’ people you could ever meet…

And it’s always a heartbreak …

Because at that point it’s usually too late…

There’s nothing you can do when you’re older and uninsurable.

Now your kids have to pick up the slack…

Friends and distant family, if they care enough about you … have to pitch in and help.

You became the one thing you SWORE you’d never become…

A burden to those you love and care about.

Stripped of your choices and dignity… 

You now have no alternative but to accept the little charity others can spare…

That’s no way to finish a race…

LTC is the kind of thing you deal with once and that’s it…

And you don’t worry about again until you need it!

Don’t put this off…

Have the conversation with your spouse…

Do your research…

And make a decision and be done with it!

I hope this series helped you understand the basics of Long Term Care insurance, and how it applies to you.

Stay healthy!

 

ClaudioPlay for the long-term” Alegre

 

P.S.

Here are Part-1 and Part-2 of these series!

 

 

To Get Instant Access To The FREE Elder Care Guide That Will Go Deeper and Expand On What You Just Learned, CLICK HERE!

 

Untitled designClaudio Alegre is the Chief Content Writer for Angel Home Care Services on the Web and Patient and Family Advocate off the Web.  He lives in Miami with his wife and 3 boys. He’s passionate about healthcare and all things caregiving. He can be reached at calegre@angelhcs.com or directly at 305.220.4544

 

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ATTENTION! Get Your Free Report on How To Get Help at Home for an Elderly Parent without going broke in the process!

 

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