Tax qualified accounts, including IRAs, TSAs and employer-sponsored plans like 40l(k)s provide the advantages of tax deferral.  Annuities duplicate this feature; however, annuities may provide other features such as death benefits, optional income benefits and annuity payout alternatives.   Withdrawals of taxable amounts are subject to income tax, and if made before 59 ½, may be subject to a 10% Federal income tax penalty.   Surrender charges may also apply during the policies early years.  Any guarantees are contingent on the claims-paying ability of the issuing insurance company."

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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 don’t think that's a question you need to answer now, think again.

The need for long-term care can arise any time and it’s one of the most financially and emotionally draining occurrences a family can face.

When it comes to your future, it doesn’t pay to procrastinate. That’s why we are 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.

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 aren’t designed to pay for the care a dependent individual requires.

The cost of caring for a person in a nursing home is very expensive and rising yearly, making long-term care insurance not just a wise investment, but also a necessary one.  Please contact us for current long-term care rates for your area.

With this program, 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. That’s why it’s important to work with a company that has the experience and financial strength to take care of you and your loved ones when you need it.

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"This coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and provisions under which the coverage may be continued in force or discontinued.  Policies MAY NOT BE AVAILABLE IN YOUR STATE or variations may not apply.  For more information about cost, coverage, restrictions and renewalability, you should contact an agent licensed to do business in your state of residence."