Plan ahead for long-term care
It’s likely you or your spouse or partner eventually may need long-term care for an extended period of time at home, in an assisted living facility or at a nursing home. According to the U.S. Department of Health and Human Services, about 70% of Americans will need some type of long-term care, Since this type of care is a likely part of most people's lives – and is costly– you may want to incorporate long-term care insurance into your overall financial plan. Contrary to what many people think, healthcare insurance programs such as Medicare, Medicaid and Medigap do not cover all long-term care expenses. An InsurYourAssets financial advisor can help you make informed decisions about what works for you, including how much long-term care may be needed, what type of care you prefer, the cost of each option and how much to expect from government benefits. Working with an advisor can help you prepare for future needs so you can focus your energy on what's important now –enjoying life with peace of mind.
Supplemental Accident and Medical Insurance
The cost of hospitalization, emergency-room care and outpatient recovery can cost more than an average family earns in a month, yet millions of Americans are not prepared to pay for any expenses that major medical insurance will not. Supplemental Accident Insurance plans are designed to supplement workers' compensation and employer major medical coverage so that no coverage gaps exist. But most importantly, the Supplemental Accident Insurance plan waives the war risk exclusion completely. Unexpected accidents bring unexpected expense. Let InsurYourAssets help fill gaps left by traditional insurance coverage.
It’s likely you or your spouse or partner eventually may need long-term care for an extended period of time at home, in an assisted living facility or at a nursing home. According to the U.S. Department of Health and Human Services, about 70% of Americans will need some type of long-term care, Since this type of care is a likely part of most people's lives – and is costly– you may want to incorporate long-term care insurance into your overall financial plan. Contrary to what many people think, healthcare insurance programs such as Medicare, Medicaid and Medigap do not cover all long-term care expenses. An InsurYourAssets financial advisor can help you make informed decisions about what works for you, including how much long-term care may be needed, what type of care you prefer, the cost of each option and how much to expect from government benefits. Working with an advisor can help you prepare for future needs so you can focus your energy on what's important now –enjoying life with peace of mind.
Supplemental Accident and Medical Insurance
The cost of hospitalization, emergency-room care and outpatient recovery can cost more than an average family earns in a month, yet millions of Americans are not prepared to pay for any expenses that major medical insurance will not. Supplemental Accident Insurance plans are designed to supplement workers' compensation and employer major medical coverage so that no coverage gaps exist. But most importantly, the Supplemental Accident Insurance plan waives the war risk exclusion completely. Unexpected accidents bring unexpected expense. Let InsurYourAssets help fill gaps left by traditional insurance coverage.
Why do I need disability coverage?
If you become disabled, you face TWO challenges. ONE: increased medical expenses, which can be frightening enough. And TWO: loss of income, which can be devastating. Disability income was designed to provide you with an income stream should you become injured or ill. Your premium is based on the amount of desired monthly benefit. Your monthly premium can vary greatly depending on the insurance company so it is important to allow a licensed professional to guide you through this process. Even better, if you continue to pay your premiums until a predetermined age, some companies will offer you a full refund of premiums paid, minus any benefits received. Every unspent penny, back to you -you simply can’t lose.
REQUEST A DISABILITY QUOTE NOW
REQUEST A DISABILITY QUOTE NOW
