Why the Future May Not Be as Secure as You Assumed
Long-Term Insurance Quote Oceanside CA
Living in the moment is easy to do. Most people don’t want to think about what might happen in the future, at least not the bad things. We don’t want to think about having a heart attack, a stroke, dealing with pneumonia, or having to be hospitalized for some other medical emergency.
When you’re young and healthy, you feel as though you’re going to be like that right until the final days of your life. There’s no way you’re going to need any type of long-term care, right?
After all, you work out, watch what you eat, and avoid bad habits. You don’t smoke, you don’t drink much alcohol, you avoid junk food, and enjoy playing sports, spending time with friends, and have limited stress in your life.
There have been millions of people just like you throughout history who suddenly had a stroke, heart attack, aneurysm, developed pneumonia, required major surgery, were involved in accidents and suffered serious injuries, and so much more.
You have health insurance, so you’re not worried about your medical expenses. You have life insurance, so you’re not worried about what might happen with your family after you’re gone.
But what’s going to happen if you survive that emergency and are facing many months or even years for your recovery? What if you are paralyzed and require the assistance of home care aides, visiting nurses, or other medical professionals for years to come?
Life can turn on a dime and just because you may be feeling great at the moment, that doesn’t mean things won’t change. If you purchase life insurance, plan for retirement, and make sure your family will be set in your absence, that’s all well and good, but that can all completely fall apart if you don’t properly plan for the prospect of requiring some type of long-term care.
The cost of long-term care continues to increase due to the increase in healthcare expenses. A nursing home stay, assisted living, and even visiting nurses and physical therapists coming to your home can cost tens of thousands of dollars every single year.
That could deplete your savings, wipe out your retirement fund, and even force you and your family to sell your home at some point in time.
There’s no need to put yourself or your family at risk when you can consider long-term care insurance instead and get a quote for the cost.
If you or a loved-one are considering a Long-Term Care Insurance Quote 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
- Why Financial Advisors Recommend Long-Term Care Insurance - April 30, 2024
- Strategies to Employ to Afford Long-Term Care Insurance - April 23, 2024
- Digging Down to the Root of Long-Term Care Insurance - April 15, 2024