Investing in Long Term Care insurance means you and your family gain many values!

Being able to hire professional help, with the plan’s special pool of funds, means family members:

+ Will be free to manage your assistance; to care about you; plus help as they can.

Note: Providing personal care to a parent is a very emotional and difficult task!


+ Won’t use up your savings nest egg and end up poor paying for high cost professional help!

+ Won’t lose control and thus can select where to receive the help you need!

+ Will be able to maintain as much independence as possible and thus retain your dignity.

+ Won’t have to worry about the conflict, which often develops among children, over spending all the parents savings nest egg for one parent’s care vs retaining it as retirement funds for the other.

The most important value individuals and families receive is what the benefit pool will become in the future. For example, if a person 55 selects a four year plan with an initial monthly benefit of $6,000 and 5% compound inflation protection and then looks forward 20 years when help might be needed their annual benefit pool would have grown to about $765,000.

Bottom line – No one can predict what will happen tomorrow thus the saying – Life is what happens when you are making other plans really emphasizes why investing in this special kind of ‘long term’ health insurance is so important.

Suze Orman recently told a personal story about the value of this special kind of protection.

John C Parker, RHU, LTCP

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