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Long-Term Care Policy

An insurance policy designed for your needs

We use proprietary products and analysis to help achieve the results you deserve.

One life insurance policy to protect your family, deliver tax-efficient retirement savings, and provide tax-free long-term care benefits. Our proprietary product and unique policy design delivers liquidity under a variety of scenarios - death, supplemental retirement income, and long-term care.

One policy designed to protect your family, deliver tax-efficient retirement savings, and provide tax-free long-term care benefits.

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Tax-Free Benefits

Long-term care benefits are received income tax-free.

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Protect Retirement

The policy helps protect your retirement accounts and other assets.

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Death Benefit

Delivers both long-term care benefits and a life insurance death benefit.

70%

of Americans age 65 and older will need some form of long-term care in their lifetime.
2015 Medicare & You, Centers for Medicare and Medicaid Services

Policy Implementation Steps

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Policy Design

Evaluate the premium cost for different LTC benefit amounts; premium funding schedules; and review the economics.

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Underwriting

Automated underwriting to streamline the application process with e-signature and intelligent underwriting.

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Issue Policy

Pay (or wire) premium; allocate premium per investment policy; deliver the policy; and annual financial reporting.

Preserve Assets & Protect Income

Long-term care is a highly valued and important insurance policy. A fully insured long-term care policy allows you to help protect against this financial risk in retirement.

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