Welcome to LTC Financial Planners

In these days of economic uncertainty it is essential that people have a sense of security and peace in terms of their future. Long term care insurance is a way to help preserve that.

Millions of Americans rely on financial advisors for help with their retirement and financial planning. If their financial future is at risk they expect their advisors to know about it and take protective measures. Have you fully protected your clients?

Even in these challenging economic times many boomers are looking to retire in the next few years which makes today an opportune time to present the added value of long-term care planning as a part of your practice.

The question is: should your clients continue to self-insure for long term care or transfer the risk to an insurance company like they have done for their home, car, and health?

If a client says they can self-insure you might reply,  "Respectfully you don’t actually have $2,000,000. You have $100,000. That's about the income that $2,000,000 will generate annually. Since it is likely that those funds have already been allocated to support your lifestyle and keep financial commitments, the question becomes, “Where will the income come from to pay for care, should it ever be needed?"

"The only way you will be able to pay for both is to either accelerate the draw-down of your portfolio or liquidate investment assets. Accelerating the drawdown may create two potential problems: taxes - if the funds are qualified; and a reduction of the pay-out period which may impact the lifestyle of your surviving spouse or children who may be depending on an inheritance. Also - liquidating investment assets may create unnecessary capital gains tax."Some of your clients are probably in denial about the possibility of needing long term care. This makes it even more difficult to protect their portfolios.

Does it make sense to use less than 1% of assets to protect the other 99%? Don't wait until you clients are uninsurable to decide. Waiting could potentially cost you millions of dollars in lost AUM as your clients use their assets to pay for care.

We have experience working with many financial professionals, assisting them in providing protection for their clients' assets under management. Our goal here is to bring light to the unpleasant reality of long term care so that you and your clients are not at risking a financial disaster.

The best investment is the one you don't have to think about, long term care insurance.



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Your Clients Choices

Your clients long-term care funding choices today:

  • Self-Insure (pay out of savings/investments)
  • Government Assistance (Medicaid-welfare health care)
  • Long-term care insurance

Your clients long-term care funding choices if they cannot health qualify for insurance today:

  • Self-Insure (pay out of savings/investments)
  • Government Assistance (Medicaid-welfare health care)

Your clients long-term care funding choices once savings are depleted:

  • Government Assistance (Medicaid-welfare health care)


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Your Choices

If you are a financial professional and need training or products to protect your clients from the high-cost of long term care with insurance we are here to help you. We can provide you with training, products, and we'll even do the work for you.

If you don't want the hassle of keeping up on all the different long term care plans, licensing and certifications, yet want your clients to have asset protection we will be glad to talk with you about providing LTC insurance with our alliance referral program.

We start with the best company with the best policy at the best rate that the client can health qualify with.

We offer different levels of participation and are flexible in order to work with your requirements:

* With the first level we provide consultations to your clients, simply giving them another voice in the evaluation process of insuring for long term care. We evaluate the quote and plan you recommended and provide our feedback to your client. This is a per consultation fee based service.
* The second level is we provide you with phone support for the evaluation, quote, and application process. You handle the application, underwriting, policy delivery and maintenance. This is a per support fee based service.
* The third level is we do everything for you and your client. We provide an evaluation with a quote and we handle the application, underwriting, policy delivery and maintenance. This can be a commission split based service if you are licensed and certified to sell long term care insurance.

* We also welcome simple referrals, and we want you to know that your clients will be provided the highest level of professionalism.

Call 1-888-582-2464 or us if you have any questions or need additional information about working with us to provide long term care protection for your clients.


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