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How to Protect your Home from Foreclosure with Term Life Insurance

You own your home, but if you have a mortgage it is the bank that really owns it until you pay it off. If you bought your home with less than 20% down chances are you have Private Mortgage Insurance (PMI) that you are paying monthly along with your mortgage payment. You might think this Mortgage Insurance protects you if something should happen to you and you cant make your mortgage payment.

Imagine you are in a car accident, develop a serious illness, have some other kind of accident or even pass away. You will be out of work and possibly not be able to make your mortgage payment anymore and even worse, your other expenses. You are thinking the Private Mortgage Insurance will save your home. You would be wrong. PMI only save s the bank on their investment and they will be quick to foreclose on your home. All that work you put into making your house a home (painting, planting, etc) will now be in the hands of the bank and soon you will be out of a home.

PMI is there for the bank. What you need is Life Insurance to save your home from foreclosure if anything should happen to you. Life Insurance now has what is called “Living Benefits” which means that in the case of a major accident or serious illness, you will be able to take money out of your policy to make those mortgage payments, pay your expenses and also the doctor bills. In the case of death, of course that money goes to your beneficiary (your family) so that the home they are living in will be able to be saved.

Depending on your age, Term Life Insurance can be as low as $20/month for a $300,000 policy for example. Here is an easy Term Life Insurance Quoter to figure out how much it will cost you. It is simple to use. Just put in the state you live in, your birthdate, and the amount you will need (make sure it’s at or above the mortgage you have left) and then you will get a ballpark on the cost per month to protect your home from foreclosure.

Your home most likely is the most expensive item you have purchased. Most people don’t think they can lose their home. You will need to protect your investment. Most people install surveillance equipment to protect their belongings but they don’t think about protecting their investment from the bank. Don’t let the bank take your home due to non payment. If something happens to you, you will want the assurance that you can make your mortgage payment. Term Life Insurance is that protection. Protection from Foreclosure. Protection from the Bank. Protection for your family.

For more information on how Term Life Insurance can help protect your home from foreclosure, contact us here or give us a call at 980-417-9978.

Sal Sofia LUTCF No Comments

Why Final Expense Insurance May Be Good For You

First of all what is “final expense insurance”?

Many agents today are offering final expense insurance to consumers to help them make sure they leave enough money behind for their family, heirs and beneficiaries when they pass on.

Children are often the motivators behind a parent being insured, and for very good reason.  After all they don’t want to inherent any of the parents obligations and would want to have enough money available to handle funeral and burial or other end of life preparations.  Traditionally, applying for life insurance has always had the applicant-insured go through a battery of medical questions and in most cases an insurance exam.  While many people would look at this as a free medical, and in certain situations it was a blessing to have had the exam, overall people always wished they didn’t need to be examined, share detailed elaborate medical information with an agent and wished the process would be much faster and easier.

The Final Expense market was created to solve these problems and make the purchase easier and accessible to many more people needing important insurance protection.  Carriers have now streamlined underwriting using “intelligent underwriting” where they can now rely upon fast information gathering from multiple underwriting tools and create approvals without needing to see an exam.  They re-packaged the policies to meet the needs of lower to mid-income individuals and created web-based applications that allow the individual to apply with limited agent involvement.

The products themselves most always are similar to insurance policies of the past such as whole life insurance that provide a benefit for the life of the insured.  Some may have a cash accumulation as well as death benefit and some provide “guaranteed issue” to those that cannot normally be accepted due to medical conditions that are more riskier for the insurer and cannot be purchased through another carrier.  There are “graded policies” that may limit the face amount paid upon death to a percentage of the amount during the first 2-4 years and there are other “modified benefit” policies that will return an insured’s premium plus interest if they die within the first 2 years, after that time the full face amount is paid upon death.

The people that are served best to purchase final expense are those lower to middle income individuals that want up to $50,000 set aside for their loved ones and wish to leave a remainder to their family as well.  The best ages to begin looking into this coverage are age 50 +.  People especially helped are those with medical conditions (diabetes, cancer, neuropathy, heart issues, etc) that would not be able to get coverage elsewhere.  While not taking an exam is helpful, what people need to know is that in exchange for “easy acceptance” there’s a chance you would pay more in exchange of liberal underwriting to get a policy.   The increased difference is comparatively small.

If you think you are underinsured or want to obtain up to $50,000 without the hassles of a medical exam and want the money guaranteed to be there through the best policy type, lasting until age 100 or beyond then Final Expense coverage is the way to go.

For more information, get a quote or begin the easy application process call me at 561-459-0222 or reply for more information here.

 

Sal Sofia LUTCF No Comments

Don’t Think You Should Have Life Insurance? A Real Life Unimaginable Story

Life Happens – A Real Life Story From My Client & Friend

My husband was 44 years old…and I had just turned 40…when out of the blue he had a stroke one day.  That was 23 years ago.  Our children were 10 and 7.  As a busy cardiologist, he appeared to be the epitome of good health.  He practiced what he preached by eating healthy and exercising often.  To say his stroke was a shock to us is a major understatement.

We were not particularly financially savvy prior to this incident nor did we have any true grasp of insurance.  In fact, our lives were so busy that getting together to discuss insurance with an agent represented more of a chore than anything else.  But by some sheer fortune of fate, and the foresight and crusade of a dedicated agent, we did make the time to get together and fortunately purchased six whole life policies and a disability policy for my husband, as well as a buy out policy for his medical practice.  This was done just a little over two years before my husband’s stroke.  To us, life insurance policies were just something to get to protect ones family in case of a premature death.  We never contemplated the enormous lifetime impact a disability could have on us, nor did we appreciate the financial sophistication of insurance, and how many ways it can be structured to ones own advantage, depending upon circumstances.  As it turns out, it was not long before we would find out…and it is truly the best and most important purchase we have ever made.  I shudder to think how devastatingly different our life would have been had we not had the financial security of our insurance to carry us through all the trials and tribulations of the past two decades.  It continues to be a great source of financial stability and freedom for our future as well.

Since the first incident, my husband has had three more strokes, an angioplasty, and four grand mal seizures.  All this injury to his body, and particularly his brain, has taken its toll.  There was no way he could work.  At the time of the first stroke 23 years ago, he was the managing partner of a busy cardiology practice.  We had all the trappings and expenses of a successful physician’s lifestyle.  Fortunately, not only did he have the disability policy with a cost of living increase to age 65 (the highest age available at the time), he also had the six whole life policies with accrued cash guarantees, and best of all a waiver of premium for each of the policies if disabled.  In addition, the buy out insurance policy eased the way for his partner to buy out his equity share of the practice with a lump sum.  We were fortunate to have had the insight to obtain long term care insurance as well for both of us.  The onset of illness at such a young age means there is a good chance my husband may need to use his, and with the enormous cost of health care, it is critical to our financial stability that we are both covered for long term health care, either at home or at a facility, in case we ever need to use it.

The monthly check we received from the disability policy enabled us to maintain our lifestyle all these years.  We were able to stay in our home, which is located in an affluent country club community, as well as afford our children all the advantages and education we desired for them to have.   There is so much upheaval and worry when a family suffers this type of trauma that I can’t even imagine what it would be like to worry about paying bills, or selling our home, all at the same time.

Time continued to march on, and the cash balance in our whole life policies continued to grow beyond the guaranteed amounts.  That too turns out to be a blessing…as we were about to experience another wave of the “unimaginable”.  Due to the fact that we had a disability check that more than covered our expenses each month, we were able to invest our savings.  My husband was no longer capable of investing, so I found myself in unfamiliar territory taking over the management of our investments.  I took the advice of people I believed were wiser than myself, and found myself in the dismal position during the collapse of our economy in 2008, of having lost our entire portfolio of investments.  My plan had been to watch the cash multiply in my husband’s whole life policies but never intended to touch that money, as I believed our savings would grow to a substantial amount, enough to carry us through in our later years.  It seems that life never quite works out the way one intends it to.  Certainly it does not in our lives.  Thank goodness for those whole life policies that have been accruing interest the past 23 years and are now worth a substantial amount…enough for us to live quite nicely on to a ripe old age.

There is a moral to this story.  And that is…if it can happen to us, it can happen to anyone.  As I’ve previously stated, my husband is a physician and appeared to be healthy.  He has access to any doctor in the country and yet no one is able to diagnose what his illness is…although they suspect it is an obscure autoimmune illness. Who would have ever imagined such a thing?  I am just so incredibly grateful that we somehow had the presence of mind at such a young age to protect our finances and our future.  To have multiple policies in this situation has given us benefits that are immeasurable.  And to think that we could have easily been one of the millions of families that don’t even have one policy in place if we had not taken the time to do a little due diligence and meet with an expert advisor.  Our insurance policies have proven to be the only thing we have been able to consistently count on over the years.   I can’t stress enough how important it is to plan for the ‘unimaginable” by having adequate life and disability insurance, as well as long term care insurance, and an expert insurance advisor who cares and guides you properly.

Kyle Kammeier No Comments

Are you looking to retire with peace of mind knowing that you won’t outlast your money while eliminating and/or minimizing taxes?

Many people are approaching retirement without having clear direction or peace of mind. This can be a very precarious option.

I’m Kyle Kammeier and I’m a retirement distribution specialist. You’re probably thinking, what does that mean? It means that I educate new retirees how to transition from work into retirement with confidence and peace of mind knowing that:

1) You will never have to worry about running out of income throughout your retirement life.

2) Never worry about market downturns.
Remember 2008? Yeah, everyone felt the pain.

3) In addition, I will show you how to eliminate and or minimize your taxes and show you how to withdraw your hard earned retirement dollars tax free with no risk with a method I call, “building a bridge.”

4) Also, I will show you how to pass all of this on tax free to your beneficiaries.

Check out my Powerpoint below on “The Retirement Income Acceleration System”

If you have any questions you can contact me here

REQUEST STRATEGY SESSION WITH KYLE

Many people are approaching retirement without having clear direction or peace of mind. This can be a very precarious option.

I’m Kyle Kammeier and I’m a retirement distribution specialist. You’re probably thinking, what does that mean? It means that I educate new retirees how to transition from work into retirement with confidence and peace of mind knowing that:

1) You will never have to worry about running out of income throughout your retirement life.

2) Never worry about market downturns.

Remember 2008? Yeah, everyone felt the pain.

3) In addition, I will show you how to eliminate and or minimize your taxes and show you how to withdraw your hard earned retirement dollars tax free with no risk with a method I call, “building a bridge.”

4) Also, I will show you how to pass all of this on tax free to your beneficiaries.

Check out my Powerpoint below on “The Retirement Income Acceleration System”

If you have any questions you can contact me here

REQUEST STRATEGY SESSION WITH KYLE

LegacyArmour No Comments

Who is Insuring your Insurance?

You’ve done your due diligence.  You’ve appropriately sized, signed, and sold your client the insurance they need.  If your client is like most people, they now feel secure in the knowledge that they are insured, but what does that mean?

The Consumer-Reports company states that “At least $1 billion in benefits from misplaced or forgotten life-insurance policies are waiting to be claimed by their owners.” (https://www.consumerreports.org/cro/magazine/2013/02/how-to-find-lost-life-insurance-policies/index.htm) The insured in these cases paid years of premiums for nothing.  Their beneficiaries received nothing and eventually the policy will be forfeited.

This isn’t a rare occurrence.  As part of my standard discussion with consumers, I ask them if they are the beneficiary to any insurance policies.  Many of them say “I don’t know.”  If they do know that they are a beneficiary, I ask them what company the policy is with or if they could find out what company the policy is with.  So far, no one has known who a policy was with and only ~30% said they were know where to find out if something happened to the insured.

What is needed is some sort of insurance delivery assurance, or… Insurance Insurance!

Just like we talk about “who is watching the watch dogs,” we should be asking “Who is insuring your insurance!”  If we aren’t talking to our clients about this, then we are doing them a disservice.

Protecting the end game

There are many ways to ensure that a life insurance company is alerted after an insurable event takes place, but most of the methods are flawed in one way or another.

The simplest method is just to tell the beneficiary about the policy and perhaps even give them a copy for their safe keeping.  However, because of the very nature of life insurance, the long period between the date that someone first initiates a policy and the date when an even takes place are frequently decades apart, and most people just don’t remember about the policy or where they put their copy.

People that are a little more proactive might put a copy of the policy in a safe deposit box, but the same original problem is still an issue:  The beneficiaries may not know where the safe deposit box is and may not have access to it in a timely manner even if they did know where it was.

What clients need is a service that not only protects the information but ensures that it is delivered to the beneficiary after an event takes place – a company that insures the insurance – a company like LegacyArmour.

Doing it right

There are many companies today that claim to have some sort of “vault” in which their clients can store information, but every one of these companies has two flaws:  The first flaw is that none of them have a programmatic triggering mechanism and delivery protocol.  The problem that we are trying to solve is people not knowing or forgetting that a policy exists.  Everyone of these companies (except LegacyArmour) requires that the subscriber enlist a number of trustees that will inform the company if anything happens to the subscriber.  Wait a minute…they are fixing the fact that people can’t remember things long term by adding more people that have to remember something?  That doesn’t make sense.

The second flaw is that these companies will release a subscriber’s information if their trustees tell the company that something happened to the subscriber.  But if the company can release the information, that means that it isn’t encrypted and thus open to hacking, a disgruntled employee, etc.  They claim to have “military grade encryption” but that is applied only after they have the unencrypted information, and they can still decrypt it whenever they want.  This is like claiming that you use military grade locks on your front door with the door right next to a window the keys in the lock!

We designed LegacyArmour to detect a person’s demise programmatically, without human intervention, and while we currently have contracts in place to monitor the U.S. Death Index, we are in the process of upgrading our detection system with multiple data inputs and an artificial intelligence engine.  When we detect a subscriber’s demise, we seek out and deliver the contents of the vault to the recipient.  Only the recipient that the subscriber designated can unlock the vault using a series of secret questions and answers set up by the subscriber.

Your clients trust you with one of the most important, and certainly longest lasting, financial decisions of their lives.  Now you have the opportunity to provide them with a true, life-long (and even post life) service that protects those financial investments and ensures that their wishes are fulfilled.  It’s also a differentiator for you that makes your services more valuable.  It’s a Win-Win!

If you want more information about what LegacyArmour can do for you, contact us here.

Sal Sofia LUTCF No Comments

Let Me Tell You A Real Estate Story

Do you know the best Real Estate purchase ever made?

Let me tell you a real estate story…

There’s a piece of vacant land I found that I believe will grow in value and therefore it’s a good investment and I want to buy it.

Since I’m still working earning income,  the prospect of capital gains is more appealing than current income from this property  (such as from an income residence or building).  Also, the income  I would get would only be skimmed off by the federal income tax bite.

So this vacant land is the best bet for me provided it grows in value over time to represent a fair return on the investment I will make.

Only thing is, since unimproved land is speculative at best and I’m not anxious to lose my money I need to discuss this purchase with my banker (lender) who will also have skin in the game and advise me of his interests of course.

I strategically plan my proposal, sit with lender and lay out my idea for purchase of this land along with certain assurances I ask the bank to provide me.

I express that the land purchase will be $30,000 but before I purchase I want some assurances to help me with peace of mind on several points so I may make this purchase without much worry or concern, as I feel it’s reasonable to share with the lender in any downside since we’re in it together so to speak.

So I lay out my proposal to the banker my considerations:

First,  I say I would like your contractual assurance that this land will be worth $100,000  35 years from now when I’m 65 years old.  And your guarantee that the bank will buy it back from me for that price at that time.

Second, I’m prepared to accept a reasonable shrinkage in market value should I decide to sell the lot next week, next month or next year as to be expected due to commissions, closing costs and taxes.

Third, regardless of the early  shrinkage however I want your bank to guarantee that every day of every year for the next 35 years the land will have a guaranteed market value which will be properly proportionate to the $100,000 which it will ultimately be worth, and after a year or two upon my request you will buy it back from me at its stipulated value at any time, with no questions asked.

Fourth, I want your guarantee that you will lend to me at any time as much as 100% of that designated market value and should I need to borrow from you that you will not run my credit report, investigate me, or require from me any financial documentation.  I will agree to you charging me an interest rate against said market value at 8% secured by my land, no matter how much you may need to increase this rate going forward with other borrowers and that you will hold the loan for however long I choose not how long you desire without demanding a repayment due or threatening foreclosure.

Fifth, I want you to guarantee that if I don’t live these 35 years that you will  take over the land on my date of death and regardless of what you then consider the market value to be, you will pay my heirs the full $100,000 which the lot will be worth 35 years from now even if my death should occur 35 months, 35 weeks or 35 days from now.

Sixth, I ask that you agree to absorb all federal income taxes chargeable to my heirs or to my estate when that $100,000 is paid out coming to them free and clear of taxable income.

Seventh, then I want this bank to give me the privilege of buying this lot over 20 years in installments.  In that case I will make no down payment, just the first of 20 annual  or 240 level monthly payments and I want the carry charge to be very low at 6.5% so that the 20 installments on that $30,000 property will be about $2,500 to $2,600 each.

Finally and probably most important of all, as part of my right to buy my land from you in installments, I want it agreed in event of my death before I have paid all 20 installments, the bank will at its own expense and out of its own pocket pay in one lump sum all the installments which would otherwise fall due after my death, so  that the $100,000 ultimate value of the land can be and will be delivered to my family immediately, just as though I had bought the land for cash instead of installments.

Q. Can anyone buy property of any kind with real value that can accomplish all of the buyer’s objectives?

Q. Does anything come to mind that can fulfill all of these financial benefits while including all of these guarantees on an investment of any type?

Q. Have you ever been exposed to anything that can offer such a remarkable assurance to cash growth, tax leveraging, collateral use,  purchase of liquid asset using the installment method, and a vehicle for investment return that self-completes?

There is one and its use has been favored by people in the know who have been exposed to it over generations.  It hasn’t changed much over the last 150 years and has stood up to the test of time.  Through all major economic disruptions, recessions, depressions, wars, period of gloom and abundant prosperity.  It has provided families and businesses one of the safest ways to grow assets and security that those holding it would never go broke, nor their family left destitute.

Do you now know what this amazing financial vehicle is that will do all the things this buyer above wants to do to favor them and not the bank?

It’s  life insurance!  Yes, life insurance is endowed by the nature of its design with the most creative, useful and well structured financial concepts created by man.  Given a chance to perform to its many truly unique  benefits you will be awarded with a financial program that is unmatched when compared to anything else.

It can be said holding cash equity life insurance is better than a portfolio of stocks, real estate, business ownership.  With this form of asset in your portfolio you are assured you will never be let down.

For questions on cash equity insurance policies, whole life or other examples, or for a review of your current insurance plans please contact us by clicking here.

Sal Sofia LUTCF No Comments

Beware Lender Provided Mortgage Insurance

I’m sure you know the expression “buyer beware” 

Many millions of people everyday put themsleves into financial debt by borrowing money to buy property from a bank or other lender.  For many, the mortgage is properly designed and paid on a timely basis.  But for the unfortunate countless others a many financial and emotional burdens await.

Do you have a mortgage?  Have you ever wondered what would happen if you couldn’t make the payments?

There are a number of reasons people fall behind on payments, affecting their credit score, inability to borrow again, and even not be able to get property insurance.  This is something that can and does happen to millions of people each year.

Could this happen to you?

If you are conscientious of the realities of life, then you are aware many things can happen to you that will affect your ability to meet your financial obligations.  The most obvious is death, however any major physically disabling event or loss of income will do it.

People have been managing these risks by obtaining Mortgage Protection Insurance being assured their outstanding financial obligations (mortgage) are satisfied by having the loan paid off or continuing to make monthly payments by using the insurance money to help them keep current.

But did you know that some lenders offer mortgage insurance (not PMI, that is a different subject) that puts their needs ahead of yours?  

So how does mortgage protection insurance offered by the lender work, and why should I explore other insurance options?   

Here are just a few reasons to stay away from lender provided mortgage insurance:

1. Lender will usually require being the beneficiary of all proceeds, lump sum death benefit payment and any monthly income checks if paid for a disability of insured.

This is not in your best interest as it takes control away from you being able to utilize the policy you have paid for to be used toward other loan payoffs or new mortgages you may need in the future.  In other words the policy will terminate if you decide you need that coverage applied toward other indebtedness.

2. Lender’s offer of insurance is usually far more expensive than other varieties because it uses a group underwriting model which takes into consideration adverse health of all their insureds including tobacco users, obesity, current heart conditions, cancer or other medical and occupational risks.  The one good benefit here is that people who are uninsurable can find a way to cover their note because it is guaranteed to be issued.  However this comes with a high price tag on the amount covered.

3. The insurance is a decreasing value plan.  The amount of insurance you pay for at inception reduces as your loan balance is reduced.  Pay special attention here as YOUR PAYMENT IS NOT REDUCED.  The policy is designed for lenders insurance to capitalize on profiting extra premiums while providing less benefit over time.  Eventually the policy will terminate at the end of the mortgage period.

This is equivalent to renting a 2,000 square foot home for $2,000 month and each year the landlord tells you that your SF is being reduced by 100 SF but your rent will not go down.

4. There have been cases cited where lenders sold off their mortgage to other banks, investors, but failed to move the insurance along with it.  Some lenders don’t participate in this using or adopting this program.  

These are just 4 reasons to consider when shopping for insurance meant to help pay off your note.

There are much better options and alternatives to choose from when you want to protect yourself from late payments, keep your home with your family and not risk your credit being ruined by foreclosure, short sale, or inability to take out new loans for personal use.

Next, we’ll explore some of the better methods including today’s living benefit policies that not only keep you in total control of the usage of your insurance but is designed for efficient and low cost coverage that never reduces in value until you decide to exit your policy.  

To learn more about today’s best choices for covering your mortgage or other loan indebtedness, please contact us.

 

 

 
Sal Sofia LUTCF No Comments

What Long Term Care Insurance Policy would be best?

Why shouldn’t I buy a long term care policy?  After all I’ve seen the devastating effects, financial and emotion toll Alzheimer’s disease reeks upon a family or a caretaker (a spouse, children).

There is no way to be fully prepared to face the consequences and drastic life changing responsibilities we may need to face.  I’ve heard so many people before me warn of this happening and to get prepared.  But how do we get prepared for such an immense responsibility and financial expense that would wipe practically anyone out?

By the way it need not be Alzheimer’s but can be a stroke, cancer, other brain disorders of paraplegia that can send someone in need of lifelong care.

The costs of care provided an ill person who needs 24 hour attention are more than the average person earns in a year.  With care facilities (adult center, assisted living, alternate care, memory care facilities) costing from $3,000 to $10,000 per month, how could anyone tackle that kind of expense?  Where would the money come from to take care of your loved one?  Even the cost for a home health agency to conduct home visitation or 24 hour care at home is considered a long-term care expense.

I assume you would need to provide care to a loved one (even yourself), right?  I also know that as a society we have one option (which is not an option for most) that is to declare oneself financially indigent.  To spend down assets to a point of qualification for Medicaid, but do we really want to do this?  It could be fraught with entanglement and needing to clear oneself of wrong-doing by suggesting there wasn’t money available when there really was in the eyes of the government.  This would become a legal nightmare on top of the nightmare we are in already.

How do we then financially prepare ourselves for THE DAY it happens?

What is needed MOST?

WHO will provide the money for the care?

I bet some are thinking that there is a type of insurance policy that will help pay or pay in full the costs and expenses of quality care.  Even bad quality care needs to be paid for but that’s an entirely different concern.  I’ve been hearing a lot about Long Term Care Insurance policies and even know many older people that have these policies.  Some have been paying for many years without ever needing it, others have used it and others still have dropped them.  Why would anyone EVER drop their need for protection of this critical magnitude?  I found out the answer: The cost it requires to continue to pay for it as the premiums continue to RISE AND the plan benefit reduces as a factor of not being to meet the policy’s full premium AND the fact that a person has been paying for many years and figures it won’t happen to them since it hasn’t up to now,  so why pay into something where there is absolutely NO RETURN of any money to them if the policy isn’t ever utilized?   I can’t seem to disagree at some of those reasonable feelings.

The Long Term Care insurance industry has done a poor in many ways.  Some are noted here:

  1. they initially priced their products too low and could not recover except to raise premiums on their current customers
  2. they never fully anticipated the extreme acceleration of costs it would require to provide care
  3. they created the supply without the full demand for their product at the time
  4. they failed to tell an accurate story of how their policy’s could be used since the marketplace was continuing to change very rapidly
  5. they failed to protect the very people they insured by going to them with increasing premiums
  6. companies left the business and caused even more confusion and negative feelings upon their customers and the care industry

Out of all these however the one that is most concerning is the INCREASING PREMIUMS as the insured gets older and probably will at some point no longer have enough money to pay for it and so will drop their policy!

WHAT IS THE SOLUTION?  What is the best form of financial protection we could have that would provide enough money (that could last a lifetime), that once purchased would NOT INCREASE in cost, and that is easier to understand its uses and provide the best peace of mind now and into the future?

I found it!  It’s LIVING BENEFITS Insurance.  An insurance policy that provides for the purchase of a dollar amount of money that can be used for long term care related expenses and also for many other life changing critical illnesses and major health crisis conditions, in addition a final expense payment to beneficiaries.  Cash payments paid to you for diagnosis of Cancer, Heart Attack, Stroke and up to 15 additional medical illnesses or injuries in addition to payments made to you for Long-Term Care costs you made need in your lifetime.

In my next blog, I’ll discuss these new policy types in more detail.   Stay tuned!

For a quick and easy online quote check out our insurance quote page.

Everyone’s needs are different. Let me know if I can answer any questions.