Long-Term Care Insurance (LTCI) was created as a way to satisfy our future financial needs as we grow older. A good policy will provide the dollars we'll need to ensure we receive the very best of care when we need it without depleting our hard-earned savings. LTCI policies pay for a myriad of services to include, Care in your own home, Adult Day Care, Respite Care, Assisted Living Facilities coverage, and Rehab and Nursing Home Care. How much they pay is decided when you design your policy. Your age, health and the benefit choices you make will determine the premium. Since the choices are up to you, there is no set premium. This insurance is not a one-size-fits-all product. Because you make the selections, it is usually affordable for most people.

But since there are many companies selling Long-Term Care Insurance, it can be a difficult and confusing purchase. To ensure that you make the right choices for the best price, work with a Broker who represents all of the major companies. Seeking out a Long-Term Care Specialist will help to simply the process and provide the peace of mind that you have compared the industry offerings, and made the right choices.

I will take the time to sit with you, review all of the different policy provisions and benefits, evaluate your health and personal circumstances, and provide multiple premiums comparisons so that you can be certain you will make the right decision.