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Long Term Care – Don’t have it? Buy it!

As a Certified Financial Planner my practice consists mostly of planning, both business and individuals. I help set up budgets for families  and do business and marketing plans for existing and start up businesses. I am a licensed insurance agent and the only product that I specialize in is Long Term care.

As most of you know, I have also been a full time real estate broker  for over 35 years and the thing I like least about that job is having to meet with couples or individuals that have to sell their home in order to help a loved one afford a nursing home. At a cost of 6,000 to 10,000 per month it does not take long to use up savings, and even the proceeds from a home, in todays market, don’t offer much help.

A long term care policy can provide the monthly income to be used either in your own home for care or in a nursing facility. The cost is very small compared to the benefit. I bought my policy about 10 years ago with a 5% annual increase in benefits to keep up with inflation.

While I am on the subject of care, make sure that you have annual physical exams (complete). By feeling well and thinking that you must be very healthy, you face the prospect of discovering an illness so late that it may require major surgery to fix. ( I speak from experience)

Please let me know if I can answer any questions for you about this essential insurance policy.

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“Keeping up is always easier than catching up.”

Have a great day!

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