Long Term Care

What are the chances?

Chance you will have an auto accident?

About 1 in 52. That’s about a 2% chance or 0.02.1

Chance your home will experience a fire?

About 1 in 335. That’s about 1/3 of one percent or 0.003.2

Chance you will need long term care?

About 1 in 1.4. That's about 70%.3

It is actually worse than a flip of the coin...

If the chance is greater than an auto accident or house fire, is it a bad idea to explore a long term care policy? 

The reality is that we all get older. If you are like most people, you have either heard about someone needing long term care or seen it within your own family.

So what are your options? You can spend down your retirement savings. You can rely on your spouse who is aging as well. You can lean on children and ask them to add your needs to their family and career demands. You can ask siblings, extended family or even close friends.

What is the first step? Learn what a long term care policy is and what it is not. What it covers and what it does not. Here are two very common questions we hear?

“When should I look at a long term care policy?”

“When should I look at a long term care policy?”

Before you need it. When you are healthy. When it may be cheaper. 

Despite our best efforts to stay healthy, we all get older. Things just start to not work so well. If you wait until something goes wrong, you may find coverage expensive or even unavailable.

Cost and coverage's change as you get older. Get better informed. 

You can start today and request your free, no obligation Long Term Care guide below or just call us at 650-458-0312 with your specific questions! 

"Can I afford long term care?"

"Can I afford long term care?"

Long Term Care policies premiums vary. Finding the right policy that balances affordability and coverage is no small task.

Over the last few years, there have been many changes in policies. Yet what has remained constant is the continued growth in the expenses of paying for a long term care event. From home care to nursing homes, all have seen increases in costs. 

If you would like to be better informed request our free, no obligation guide today!

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation and lifestyle choices. 

Guarantees are based on the claims paying ability of the issuing company.

Have specific questions or situation? Prefer to just talk with someone?

Call 650-458-0312 today or request your free guide now!

Yes, please send me my free, no obligation Long Term Care Guide!

Thank you!

1. Ahrens, Marty. National Fire Protection Association. “Home Structure Fires” Sept 2015. 2. U.S. Department of Transportation National Highway Traffic Safety Administration. “Quick Facts 2014”. March 2016. 3. U.S. Department of Health and Human Services. 2016 June 2014. “Who needs Care?” https://longtermcare.acl.gov/the-basics/who-needs-care.html