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You may not know if you need long-term care insurance since there is no fail-safe way to predict the future. But since your lifespan is longer than your parent's lifespan, and since there is a risk of paying a substantial amount of money n potential healthcare expenses in your later years, a long-term policy should always be considered.
But in order to properly protect your assets that you have worked so hard for, purchasing coverage at the right time at the most affordable cost is critical.
A full-time broker or financial planner (not a marketer, advertiser or media consultant) is without question your best resource to determine how to proceed. By being the most familiar with plans, you can reduce costs and get the best advice.
Most Americans will retire between age 65 and age 70. What’s changing is longer life expectancy. So the odds are high that you’ll need some type assisted living or nursing home care. The average cost of medical bills and extended care is $250,000 over your retirement. To indemnify the potential risk some purchase standalone long term care policies, while others purchase life insurance and annuities with long term care riders. If you have morbidity risk in your family line, you may have higher need for care.
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But in order to properly protect your assets that you have worked so hard for, purchasing coverage at the right time at the most affordable cost is critical.
A full-time broker or financial planner (not a marketer, advertiser or media consultant) is without question your best resource to determine how to proceed. By being the most familiar with plans, you can reduce costs and get the best advice.