When you’re planning for your financial future (you and your family), what do you include? Some people will purchase a life insurance policy to ensure their loved ones will be less stressed in the months and possibly years following an unexpected situation.
Long-term planning for one’s future will also likely include savings, investments, and a diverse portfolio. But what about long-term care insurance?
How many people have even considered purchasing a long-term care insurance policy for themselves or their family? Far too often people wait until they are in their 60’s before they even look into this option, but it’s a good idea to consider this type of insurance policy earlier, not just for cost savings, but for the unexpected and unanticipated.
Are you certain nothing bad will happen to you or your spouse tomorrow?
If we are honest, we can answer that question quite easily: no. Even though we may have recently had a comprehensive physical examination at our doctor and been given a clean bill of health, that doesn’t mean we won’t suffer a heart attack, stroke, or even be injured in an accident.
Automobile accidents happen every day. Hundreds of people die each day in the United States in automobile accidents. It’s a tragic reality, but with impaired driving, distracted driving, and other problems growing in frequency, we really don’t know what’s going to happen tomorrow.
But, what if you are involved in an accident or face a medical emergency?
What if you or your spouse requires long-term care? That could be a nursing home, visiting nurses coming to your house, or perhaps some other facility. The cost of some long-term care options can run six digits annually. What if that goes on for three years?
Will that completely eradicate all the hard work and saving you had been doing for the past 20 or 30 years? For many people it can.
That’s why, when you’re focused on a solid financial future, it’s imperative that you consider all options. Life insurance is certainly an important consideration and something you should do, if you can fiscally arrange it, to take care of your family, especially if you have children.
Long-term care insurance may not be something you would have normally thought about until you’re in your 60’s or later, but if you are in your 50’s or late 40’s, there’s no better time than now to contact long-term care insurance companies and look into it, see what’s available, and consider it to protect your financial future.
If you or a loved-one are considering Long-Term Care Insurance Companies in San Diego 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
Latest posts by Steve Elliott (see all)
- If You Never Thought You’d Need Long-Term Care, Think Again - December 10, 2018
- A Solid Financial Future Involves Planning for the Unanticipated - December 3, 2018
- What to Know About Long-Term Care Before Deciding on Insurance - November 26, 2018