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Long Term Care (LTC)

What will happen if you or someone you love are among the two-thirds of Americans who will require some sort of long-term care?

If you donít think that's a question you need to answer at this stage in your life , think again.

The need for long-term care can arise any time and itís one of the most financially and emotionally draining occurrences a family can face. When it comes to your future, it doesnít pay to procrastinate. Thatís why at Term Life, we are committed to making it easier and more affordable than ever to insure yourself and your loved ones against the financial and emotional strain long-term care can cause. We achieve this by understanding your long term needs and then we shop the top-rated carriers to offer you the best rates available.

The smart alternative

Long-term care is the physical and emotional assistance given to anyone who needs help with normal activities of daily living, in addition to the services offered by home care organizations and nursing homes. Normal activities of daily living include eating, dressing, bathing and getting around. Unfortunately, though, Medicare and your own health insurance plan simply arenít designed to pay for the care a dependent individual requires.

The cost of caring for a person in a home is now $40,000 -$70,000 per year in some metropolitan areas and rising early, making long-term care insurance not just a wise investment, but also a necessary one.

With this long-term care, you not only get the peace-of-mind of top-quality insurance coverage, you also get an affordable way to take control of your future. Plus, qualifying long-term care insurance premiums are tax-deductible. within limits. Additionally; benefits received are usually tax-free.

The power to protect your future

Put simply; long-term care insurance gives you long-term peace-of-mind. Thatís why itís important to work with an insurance agency that has the experience and hands on licensed professionals to take care of you and your loved ones when you need help figuring out which plan is best for your situation.