Protecting Individuals & Families

I am committed to helping you understand your insurance options and guiding you toward the most appropriate, cost effective solutions for your unique situation. With a background in health benefits, bringing a deep understanding of underwriting and policy design so you can move forward with clarity and confidence, without unexpected surprises. Working with a wide-range of top-rated carriers, I serve your best interests in providing the right choice. My approach is rooted in transparency, education, and a strong ethical commitment to doing what is right for you.

As an independent agent, I represent multiple carriers offering traditional, hybrid, life with long term care riders, as well as non-traditional products. My goal is to provide tailored, customized, financially appropriate long term care options to enable educated decisions.

Flexible consultations offered by phone, email and/or video, making it simple to get the guidance you need.

What is Long Term Care (LTC) Insurance?

Long Term Care is "catastrophic coverage" triggered when one requires assistance with two of six daily living skills: Bathing, Dressing, Toileting, Continence, Transferring (moving from one place to another), Feeding oneself (once served). It is also triggered by significant cognitive impairment requiring substantial supervision for safety concerns. Statistics show that more than 30% of people will eventually access their long term care policies.

The cost for care is high, and the value of LTC Insurance serves three primary purposes:

Financial Leverage: It allows you to use retirement accounts more effectively, ensuring the ability to leave more available for living in retirement.
Family Direction: It provides a clear plan for the family, removing the "caregiver" burden from relatives.
Quality of Care: It provides the funding to hire professional caregivers or move into a high quality facility, offering freedom to choose better care options.

Medicare does not pay for custodial long term care.

Medicaid is through the government for the poor. In order to qualify, you must spend down your assets to poverty level and any income will be used toward the cost of care.

Traditional Stand-Alone Long Term Care

A traditional life insurance policy is a use it or lose it policy. Statistics show the greatest return for the premium paid. Funding can be through an existing Health Savings Account up to age based limits.

Tax benefits are available for the self-employed and business owners. Potential to meet Medicaid Lien Protection Limits and Partnership Requirements.

Contact me to learn more about these terms.

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Hybrid Long Term Care

A hybrid long term care policy is a type of policy that combines long term care coverage with another financial product, most commonly life insurance or sometimes an annuity. These policie types leverage the long term care benefit vs. the death benefit of life insurance.

Features of a hybrid policy (varies with each product):