Shopping ‘Smart’ for Long-Term Care Insurance Helps Save Money
Shopping ‘smart’ for just about anything is a good idea. People, most of the time, don’t like to throw money away, even though there are plenty of men and women who purchase items they have no need for, just because they’re cool. While it’s easy to drop several hundred dollars on an iPhone and just as easy to spend $120 or even $200 for their cell phone plan and even cable TV, they may not consider long-term care insurance because of the ‘cost.’
Long-Term Care Insurance Companies San Marcos CA – Shopping ‘Smart’ for Long-Term Care Insurance Helps Save Money
They don’t want to throw money away on things they can’t enjoy.
We have become a consumer driven society and that means most people want immediate benefit for the money they spend. Sure, purchasing automobile insurance, homeowner’s insurance, and life insurance doesn’t exactly provide immediate return, but it’s protecting an investment.
People don’t view long-term care as something necessary.
They see themselves as healthy, fit, and strong individuals. They don’t see the point in worrying about something that may or may never happen. When a person is 40, 50, or even 60 and in good health, the idea they might need some type of long-term care is almost laughable. Yet, people those ages often face serious health emergencies, accidents, and even surgeries that can leave them immobile, requiring assistance just to get out of bed, for months or even the rest of their life.
When it comes down to shopping for long-term care insurance, find a reliable company.
A company that has a great reputation, that has been around for a long time, that has great financial backing, and has been dealing with long-term care insurance for many years is the kind of company to focus on first and foremost.
That’s the best way to shop smart when it comes to this type of insurance. There may be relatively new companies, small organizations that have only been around for a few months or a couple of years, but is there any way to guarantee they will still be in business and pay out on the policy in 10, 20, or even 30 years?
It’s also a good idea to start as early as possible.
When somebody purchases long-term care insurance in their 40’s, the policy itself will cost far less per month than for somebody purchasing this for the first time when they’re in their 60’s. When it comes to shopping smart for any type of insurance policy, especially something like long-term care insurance, the sooner they start it, the better off they’ll be.
If you or a loved-one are considering Long-Term Care Insurance Companies in San Marcos 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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