Long term life insurance

Term Life Insurance Rates Policy Riders for Seniors, Quotacy

Did you know that the average couple that retires at age 65 today should expect to spend an average of $240,000 for out-of-pocket medical expenses during their retirement years? This number does not even include potential long-term care costs. There are steps that can be taken to help with these costs when initially looking for term life insurance rates for seniors. There are two life insurance riders that can specifically help with medical expenses in retirement: a long-term care rider and a chronic illness rider. A rider is an add-on feature you purchase to enhance your life insurance policy. In this post, we will explain what long-term care is, what long-term care and chronic illness...

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Ordering the Combo: Life Insurance and Long-Term Care

The biggest risk of buying long-term care insurance is that you might spend tens of thousands of dollars on something you won’t use. Policies pay for nursing homes, assisted living or home health care — but what if you never need these services? New types of policies combine long-term care insurance with permanent life insurance, such as whole or universal life. If you want both types of coverage and can front the money, these hybrid options are worth a look. How combination policies work Combination long-term care/life insurance policies pay for long-term care that regular health insurance or Medicare won’t cover. And if you don’t max out the long-term care benefits, the insurer pays a...

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Life Insurance, Long Term Care -

Life Insurance / Long Term Care Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living. Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind. Can provide business security by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation. The cash value...

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Combining Life Insurance and Long-Term Care Needs Benefits

Combining Benefits for Life Insurance and Long-Term Care Needs Although most individuals understand the need for insurance coverage, there are times when having numerous policies can seem overwhelming – as well as quite costly. For this reason, many have opted to obtain coverage for multiple insurance needs using one single policy. One example of this is the combination of life insurance with long-term care coverage. With a combination of life insurance and long term plan, a policyholder can obtain two forms of protection in just one policy. When you’re shopping for insurance coverage, it’s vital that you have the coverage that your loved ones will need, and to do that, you’ll need...

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Long-Term Care Insurance is More Important Than Life Insurance

Why Long-Term Care is More Important Than Life Insurance Long-term care insurance is considered by many to be a luxury. Others opt for life insurance policies to protect their loved ones after they pass. As health insurance consultants in Houston, Texas, we understand that long-term care insurance is by far more important than the alternative. Today we’re exploring why this type of coverage is important and what type of benefits you can expect when you choose it over life insurance. What is Long-Term Care Insurance? Long-term care insurance (LTC) covers long-term care services required by individuals in their home, community, or in a private facility. It can cover personal and custodial...

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Insurance Programs for CARP Members

As CARP’s recommended insurance provider, we have a responsibility to help you make an informed buying decision. No matter which insurance product you require, or provider you choose, our best advice is to educate yourself before you buy. That’s why we offer information that will help you review programs “apples-to-apples”. Of the Canadians age 65-plus who will ultimately require some form of long term care, when given a choice, most prefer to remain in their own homes for as long as possible. A move to a care facility is often due to needing intensive care or due to the high cost associated with home care. Daily care is required when you are physically or...

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Long-Term Care Services Rider

Discover. Learn. Teach. Find the information you need to educate yourself, your prospects and clients. Planning approaches for your clients: simple to advanced Innovative ways to use life insurance for individuals and businesses. FOR THE GOALS THEY HAVE IN LIFE Learn more about the different life insurance policies available from AXA Equitable and MLOA. Variable Universal Life IncentiveLife Optimizer Corporate Owned IncentiveLife Interest Sensitive Whole Life Variable Universal Life Indexed Universal Survivorship Life Variable Universal Survivorship Life Survivorship IncentiveLife In NY, to be eligible for payment of benefits, it must be certified that continuous care will be required...

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Long Term Care Rider vs Chronic Illness Rider Which is Best for Me? - Insurance and Estates

In the following article we will break down the differences between a Long Term Care Rider vs Chronic Illness Rider. The differences are subtle, yet important to understand so you can formulate the right plan for you from among the best long-term care insurance companies. We will also address the common objections we get regarding both riders, and towards long term care insurance in general. If you have not taken the steps to protect your wealth from the potential threat of long term care costs, this article is for you. Life Insurance with Long Term Care Rider or Chronic Illness Rider Fidelity Investments reports that the average couple that retires at age 65 can expect to pay...

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Discounts on Long-Term Care Insurance now available to physicians

Discounts on Long-Term Care Insurance now available to physicians According to the Cost of Care Survey 2013 by Genworth Financial, Inc., costs for nursing home care and assisted living facilities have increased dramatically in the past five years. As those costs continue to rise, many Long-Term Care (LTC) carriers either have exited the market or have dramatically raised their premiums. In addition, the carriers that remain in the long-term care insurance market have become more selective in their approval processes, making it more difficult and expensive for those with health issues to purchase this coverage. Against this backdrop, AMA Insurance recently announced changes to its LTC...

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New Hybrid Long Term Care Insurance Policies Are Risk Free - LTC Partner

Traditional or Hybrid Long Term Care Life Insurance Policies Two types of long term care insurance policies It is important to understand the differences of the two types of policies to determine which approach is best suitable for your needs. Traditional Long Term Care Insurance With a traditional stand-alone policy, you elect your benefits at the outset: Monthly Benefit ($3,000-$12,000) Benefit Period (2 years, 3 years, 4 years, 5 years, 6 years, Unlimited) (Individual or Shared) Inflation Protection (3%, 4%,  5% Compound) Waiting Period (30 Days - 180 days) Your policy can be custom-tailored to suit your needs. Your premium is guaranteed renewable.  Premiums are...

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