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 Long term care insurance option for you and your spouse.
Here we go…
When it comes to buying Long term care insurance there are a few things you need to keep straight in your head…
The company is important, but it should not be the only consideration.
The best long term care insurance company is 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… to calculate costs 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.
Top 10 Best Long Term Care Insurance Companies
- AXA
- Genworth
- Guardian
- Lincoln
- MassMutual
- Minnesota Life
- Mutual of Omaha
- Nationwide
- Pacific Life
- 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!
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 Jordan Hackmeier…
He’s a financial advisor helping families and business owners in Miami Florida.
Jordan 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.
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 who want peace of mind. And need to save time and money by getting the best advice possible.
If Jordan is an option you’d like to consider in order to save time in implementing all this stuff…
Then you can reach him directly at: 305.333.4418
Or email him at: [email protected]
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 second act…
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 stay and finish a race…
Long term care insurance 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…
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!
Claudio”Play for the long-term” Alegre
P.S.
Here are Part-1 and Part-2 of this series!
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