What's the best type of Life Insurance to buy and how much do I need?
Does Long Term Care Insurance cover Home Health Care?
Can I purchase an Index Universal Life policy for my new born with living benefits?
Here are 3 scenarios I run into all the time and my replies, when I ask someone, "Who do you have your life insurance with?":
1. I have life insurance through work.
Reply: That's great - Do you know how much you have? Can you take it with you, if you decide to leave your job?
2. I have enough life insurance.
Reply: Awesome! - Does your life insurance come with Living Benefits?
3. No, I'm not interested in life insurance.
Reply: Life insurance isn't for you.; It's for your family.
THE ONLY PEOPLE WHO FAIL MY CLASS, ARE THE PEOPLE WHO DON'T UNDER STAND THAT - LIFE INSURANCE IS NOT FOR YOU - ITS FOR YOUR FAMILY.
DO THE MATH:
10,000 baby-boomers reaching 65 years-old, every day for the next 17 years, more people are living past the age of 85, Medicaid will not be able to keep funding over 50% of the Long Term Care needs.
Therefore people needing LTC in the future will have to:
- Pay out of pocket
- Use the LTC insurance they purchased
- Accept Medicaid and go to a Medicaid approved facility and providers
- Move in with their family
- Move to a community where "seniors help senors"
Why in the world would you purchase insurance on a child?
- Protecting your child, insuring their insurability all while having the potential of gaining upwards to over $1,000,000.00.
***Click on the button below and give us the age, sex and State of your child for a free illustration.
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