More than 40% of all people over age 65 will enter a nursing home.

39% of Americans recieving long term care are under age 65.

The cost? $30,000 to $100,000 a year - depending on where you live. (1)

The seven most urgent priorities of senior citizens:

1. I want to avoid depending on others for my care.
2. I don't want to be a burden to my children or spouse.
3. I want to preserve my independence and avoid welfare.
4. I want to guarantee my access to quality care.
5. I want to protect my assets and have an estate for my heirs.
6. I don't want to leave a legacy of debt.
7. I don't want to spend through everything we took a lifetime to create. (2)

Long Term Care - Benefits pay for care at home, nursing facilities, alternative care centers, adult day care, and assisted living. Most of us personally know someone who has spent time in a nursing hom or received home health care. At age 65, the average American faces at least a 45% risk of spending time in a nursing home, either permanently or even for a short rehab stay. Unfortunately, Medicare pays only a small percentage of nursing home costs and vary from individual to individual. A Long Term Care insurance policy provides benefits that help pay for nursing home and home health care. To find out more about our plans or to review general information about Long Term Care coverage, please contact us at 1-800-671-5907, or in Marion County at 352-671-3332.

FREQUENTLY ASKED QUESTIONS

Who should buy Long Term Care insurance?
1. People who want to maintain independence and have a choice of facility, including their own homes, and who want continuity of care.
2. People who are concerned that they might outlive their money (asset protection).
3. Married couples for spousal and/or dependent protection.

When should you buy Long Term Care insurance?
As early as you can. The younger you are when you apply for insurance, the less expensive that coverage is. And health is an important consideration for the insurance company in issuing a policy. Because health tends to deteriorate with age, it is wise to apply for the protection while you can still qualify for it. Remember, money alone does not buy Long Term Care insurance - health does.

Home Health Care - Benefits pay for care at home.

Home Health Care Product Providers

Penn Treaty - Blue Cross/Blue Shield - Colonial American

Annuities - Annuities are designed to protect monetary assests from "spending down," attachment by bill collectors and creditors, law suits, and cannot be probated, protecting money from loss. Annuities can provide market growth without the possibility of market loss, has a guaranteed rate of return each year and can also provide lifetime monthly income. We offer a large product line of fixed and equity-indexed annuities with the largest companies in the industry.

Annuity Product Providers

ING - Fidelity and Guarantee (F&G) - Jefferson Pilot - American Investors - RBC

Life Insurance - Products can provide protection to loved ones in the unfortunate instance of a death. Life insurance may be designed to protect from loss of estate taxes. Over the last decade, many advances have been made in the Life insurance industry to provide outstanding products for each individual situation. We offer a diversified product line featuring term, whole, universal life and final expense, and mortgage protection insurance products that provide dependable protection for your family and their future. To find out more about our programs, please contact us at 1-800-671-5907.

Life Insurance Product Providers

Banner Life - Empire General - Fidelity and Guarantee (F&G) - Jefferson Pilot Life Investors - Shenendoah - US Financial - West Coast

Insurance Products
Major Medical Insurance
Life Insurance
Annuity
Medicare Supplement
Long Term Care