Although you may not have any direct experience shopping around for long-term care insurance, there’s no need to be intimidated by the process. Most people have purchased some type of insurance in their life.
If you own a registered vehicle on the roads, you are required by law to have automobile insurance. If you own a home with a mortgage, your lender will require you to have homeowner’s insurance. If you rent an apartment or condo, you may be required to carry renter’s insurance.
However, for some reason people get nervous when they’re looking into insurance they don’t fully understand. Not many people have prior experience looking into long-term care insurance. It’s not a popular topic and usually one that people confront later in life.
Have you ever shopped around for life insurance?
If you have a family, assets, investments, rental properties, and so forth, you may have looked around for life insurance in the past as a way to protect your family after you’re gone. This is a valuable tool in helping to protect wealth and to ensure your family doesn’t struggle financially after you’re gone.
There are many different types of life insurance, including term and whole life. It can be confusing trying to figure out which one is best for your family, your particular income, and how you want to protect them in the future.
What did you do when you shopped around for life insurance? In most cases you would’ve contacted an agent or a broker to sit down, either on the phone or in person, and go over the details of a policy.
This is a great way to shop for long-term care insurance.
There are numerous components to a long-term care insurance policy you should be aware of before you commit to anything. For starters, your current age can be an important factor in not only determining if this is right for you right now, but also helping to determine your monthly premiums.
A long-term care insurance policy is highly recommended for those in their mid-50’s, but a person in their mid-40’s with a family and assets, if they have a family history of any serious health issues may do well to consider a long-term care insurance policy.
This is a great way to protect your assets from being used in the event you need some type of long-term care in the future. The sooner you start looking into this, the better it’s going to be, so the best first step is to contact an experienced, qualified agent or broker today from our long-term care insurance company.
If you or a loved-one are considering Long-Term Care Insurance Companies in Oceanside CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.
I work with all the major insurance companies and my objective is to help my clients determine if long term care protection makes sense for them and if so, to help them shop the market to find the best company at the best rate
I specialize in Traditional Long Term Care Insurance as well as Hybrid Long Term Care Plans which are either a combination of Life Insurance and Long Term Care or an Annuity Plan with Long Term Care
I’ve been specializing exclusively in Long-Term Care Insurance Planning for over 21 years.
Steve was recognized as a 2003 Long Term Care Expert of the Year at The National Long Term Care Producers Summit
2006 was awarded Senior Market Advisor of the Year Finalist by Senior Market Advisor Magazine
National Speaker for Numerous Industry Meetings
Awarded Nations Top 10 Agent 8 times by the American Association of Long Term Care Insurance
Author of numerous published articles on long term care planning