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Our debt may not what you think it is. The total United States debt is $57 trillion. Our federal tax revenue is $2.2 trillion.

US Debt Clock

Why do you think the Federal Government wants to change the retirement age to 70, so by the time you collect it you are dead?

Never has there been a more urgent need to plan ahead!  Call me.

Protect Your Assets from the Costs of Long Term Medical Problems

Long Term Care^*

70% of us reaching age 65 are going to require Long Term Care (LTC) at least once in our life, yet less than 9% of Americans under age 65 own a long term care policy.¹  LTC expenses can severely erode your estate or retirement assets to a point where you may not be able to financially recover. You should also remember that Medicare does not cover Long Term Care.  LTC costs are your personal responsibility.

Whatever you age, Long Term Care coverage will never cost less than it does right now!

You may be counting on the possibility that you are part of the 30% who will not require LTC, but those are long odds.  If you are on the wrong side of the bet and do not diffuse the consequences before they happen, LTC is like a ticking time bomb which can devastate your personal finances.  You may have great genes and and a family history of longevity and health into old age, but what about that drunk driver who comes out of nowhere, the accidental slip that injures your spine, the fluke fall during a leisure activity? 

You can't predict when or whether an accident will occur, but you can have someone underwrite the risk of the financial consequences.  Talk to me.  It may be the smartest thing you've ever done.
 

¹U.S Department of Health and Human Services, National Clearinghouse for Long-Term Care Information, September 2008.

Key Benefits of Long Term Care Insurance

• Preserves and protects your estate and retirement savings
• Keeps you in control of what happens to you
• Allows you to leverage savings you already have as much as 3:1

*Insurance products including annuities and riders are state specific and may not be available in your state.  Please ask me about availability in your location.

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Underwriter*
Definition: (noun)
1. a. A person or firm engaged in an insurance business. b. an insurance agent who assesses the risk of enrolling an applicant for coverage or a policy.

*From "The American Heritage Dictionary", Houghton, Mifflin Company, Boston, MA.

Copyright © 2011 The Health Underwriter
Last modified: 05/11/12