Assuming You Won’t Need Long-Term Care Is Like Assuming You Won’t Need Life Insurance, Either
Long-Term Care Insurance Quote Carlsbad CA
Are you the type of person who carries life insurance? If you are, then you’re in good company. More people, as they get married, have children, buy a house, and become more responsible, have a tendency to begin carrying life insurance. If you’re one of those people who may be in their 20s, 30s, 40s, or 50s and doesn’t think life insurance is all that necessary yet, you might be the type of person who never considers long-term care insurance, either.
Why so many people carry life insurance policies.
When a spouse, children, or others rely on you to earn money to pay bills and maintain the type of life, the quality of life, you all enjoy, life insurance becomes an essential policy to consider. In the event of your untimely demise, your life insurance may help with funeral expenses, paying the mortgage for several months or years, and helping your family find a way to get back to some type of semblance of normalcy in the wake of your absence.
Some life insurance policies allow clients to cash out on those policies after they mature for some type of emergency, whether it’s a health emergency, home repairs, or something else. It’s not a good investment in that instance, but the sooner a person takes out a life insurance policy, the more affordable it becomes.
What if you assume you don’t need life insurance?
You may feel healthy, vibrant, and strong. There’s no way you’ll need life insurance right now, right? You don’t know what tomorrow will bring, though. An accident could occur. You may have a blockage in an artery you’re not aware of. You may be dealing with cancer and have not yet detected any of the symptoms.
We simply don’t know what tomorrow is going to bring. People in their 20s, 30s, and 40s suffer heart attacks all the time. Are you completely certain you’re impervious to any accident, injury, or health emergency?
You’re not. That’s why you may consider life insurance.
Also, you should be considering long-term care insurance.
In the event something happens to you, some type of injury or health emergency, that causes you to require long-term care, that can completely devastate you and your entire family financially. The cost of long-term care continues to increase and it’s a good time to be reminded that when you want to protect yourself, your assets, and most importantly your family, carrying life insurance and long-term care insurance are instrumental in allowing you to do that.
If you or a loved-one are considering a Long-Term Care Insurance Quote in Carlsbad 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
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