Long Term Care Solutions | Certified Financial Planners

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Get better insight on "Long-Tem Care Insurance" and get tested and best solutions from our expert Certified Financial Planners.
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Long Term Care Solutions | Certified Financial Planners

  1. 1. Long Term Care Advocacy fromCertified Financial PlannerFiduciariesFind Me An Advisor™Find Me An Advisor™
  2. 2. Certified Financial Planners™Our Advisors have experience workingat UBS, Morgan Stanley, AXA Advisorsand have trained with leadingretirement planning strategist acrossthe U.S.Find Me An Advisor™
  3. 3. Have you ever known someonethat needed Long Term CareServices?If so, you may know how costlythese services can be!Long Term Care NeedFind Me An Advisor™
  4. 4. Try to guess what percentage ofpeople over the age of 65 requireLong Term Care Services.Long Term Care NeedFind Me An Advisor™
  5. 5. You probably think this service iscovered under your healthinsurance plan, Obama Care, orMedicare.Its NOT!Long Term Care NeedFind Me An Advisor™
  6. 6. How much do you think Long TermCare Costs?Long Term Care NeedFind Me An Advisor™
  7. 7. $70,000isTodays CostCosts rise about 10% per year.Long Term Care NeedFind Me An Advisor™
  8. 8. So now that you know you willprobably need expensive LongTerm Care ServicesLong Term Care NeedFind Me An Advisor™
  9. 9. New laws have been created tohelp protect citizens from massiveLong Term Care Costs.2010 Pension Protection ActFind Me An Advisor™
  10. 10.  Self Insure and pay full price when the expensesoccur. Spend down your assets and qualify forMedicaid. Buy Traditional Long Term Care Insurance. Prepay your Long Term Care Services. Invest in an Annuity with Special LTC Features. Own Life Insurance with a Long Term Care Rider.6 Ways To Plan for LTCExpensesFind Me An Advisor™
  11. 11.  If your like most people who have not planned for theexorbitant costs of Long Term Care Services you willbe forced to pay for these future inflated services outof your own pocket. $70,000 today could mean $140,000 in the future withhealthcare costs skyrocketing.Please Dont Panic! Strong Solutions Are AheadOption 1: Self InsureFind Me An Advisor™
  12. 12.  If you spend down your assets to about $2,000than your State will pay your Long Term Careexpenses. This can be a great option if you have less than$200,000 in total assets and dont care aboutleaving assets to heirs.Option 2: Qualify for MedicaidFind Me An Advisor™
  13. 13.  If you spend down your assets to almost zerothan your State will pay your Long Term Careexpenses. This can be a great option if you have less than$200,000 in total assets and dont care aboutleaving assets to heirs.Option 2: Qualify for MedicaidFind Me An Advisor™
  14. 14. But what happens toyour spouse?As harsh as it may seem, this can be a wise time to get adivorce so the other spouse can keep the remainingassets.Option 2: Qualify for MedicaidFind Me An Advisor™
  15. 15.  Buying traditional Long Term Care Insurance canbe a smart way to cover future expenditures. You might pay $200-$600 per month, but theprice can rise over time. The price is dependent upon your current ageand health.Option 3: Buy Long Term CareInsuranceFind Me An Advisor™
  16. 16.  You must take a mini medical exam (blood & urine athome) and they will review your past medical records. The earlier you get the policy the lower the price.Why not submit anapplication and review afree quote?Option 3: Buy Long Term CareInsuranceFind Me An Advisor™
  17. 17. Certain new Hybrid Long Term Care Contracts fromJohn Hancock, Genworth and Lincoln Financialallow you to prepay your LTC at pennies on thedollar.Option 4: Prepay Your LTCFind Me An Advisor™
  18. 18.  At age 60 your can prepay Long Term CareServices at about 20 cents on the dollar. The younger you are the more leverage youreceive. Your prepayment is 100% liquid, cancel anytimeand receive a full refund!Option 4: Prepay Your LTCFind Me An Advisor™
  19. 19.  If you never use your prepayment it is returned toyour beneficiaries at your death plus an extra50% profit tax-free. If you do need Long Term Care Services youreceive about 4- 5 times leverage on the dollarsyou place into the contract.Option 4: Prepay Your LTCFind Me An Advisor™
  20. 20. Heres an example for a person age 60: Prepay $100,000 into a Hybrid LTC contract. Receive $500,000 of LTC Benefits if needed. If no LTC is needed, your beneficiaries receive150,000.The following information is just an example and anofficial illustration should be prepared for yourunique situation of age and premium.Option 4: Prepay Your LTCFind Me An Advisor™
  21. 21.  Prepaying for services is a great way to recoupyour premiums so they are not wasted if younever need Long Term Care.We cannot guarantee that you willget sick, but we can guaranteethat you will pass-on someday;this hybrid policy covers you forboth!Option 4: Prepay Your LTCConclusionFind Me An Advisor™
  22. 22.  You must only take a phone questionnaire (no bloodor urine required).Why not submit anapplication see if youqualify?Option 4: Prepay Your LTCConclusionFind Me An Advisor™
  23. 23. New annuities havespecial features thatalso need to beconsidered in this area.Option 5: Annuity with LTCFind Me An Advisor™
  24. 24.  This new annuity also provides 250% leverage onfunds transferred into the contract. For example, you transfer $100,00 into the contract andreceive $250,000 for Long Term Care with tax-freefunds. Unique feature is you can transfer an annuity with largegains and withdraw them tax-free for LTC.Option 5: Annuity with LTCOne America AnnuityFind Me An Advisor™
  25. 25.  Some new Equity Index Annuity contracts have ahome health care - doubler feature which willdouble your income for five years - if you needLong Term Care Services. This feature has been attracting many seniorsthat cannot qualify for LTC for health reasons. No health qualifications whatsoever.Option 5: Annuity with LTCHealth Care Doubler FeatureFind Me An Advisor™
  26. 26. Its inevitable, nothing and no onelasts forever. If you can buy life insurance at the right price it is agreat, efficient way to pass on a legacy to your heirs orfavorite charity. Certain new policies allow you to withdraw moneyfrom your death benefit on a tax-free basis for LongTerm Care services.Option 6: Life Insurance withLong Term Care RiderFind Me An Advisor™
  27. 27.  One policy will allow you to pull out funds andnot submit receipts to the insurance companyallowing you to use the funds however you wish. Structuring the policy correctly is the key tomaximizing your benefits.Option 6: Life Insurance withLong Term Care RiderFind Me An Advisor™
  28. 28. To qualify for Long TermCare Service you need adoctor to verify that youcannot perform two of sixActivities of Daily Living.Qualifying for Long Term CareCoverageFind Me An Advisor™
  29. 29. If you need help: Buttoning your shirt or tying your shoes, etc. Bathing yourself Feeding yourself Going to the bathroom Taking your medications accurately and timelyQualifying for Long Term CareCoverageFind Me An Advisor™
  30. 30.  Preparing for the future costs of Long Term Careservices is a wise move since 70% of people overthe age of 65 will require services. With new hybrid Long Term Care Policies you canpay for services at pennies on the dollar.ConclusionFind Me An Advisor™
  31. 31. As always, it is important toreview ALL your investmentoptions and work with fullylicensed and experiencedfinancial professionals.ConclusionFind Me An Advisor™
  32. 32. If you would like to speak to ouradvisors or a member of ournationwide team please scheduleyour free strategy session by calling(855) CFP-NOWWOr Register with usAt: http://www.findmeanadvisor.comFree Strategy SessionsFind Me An Advisor™
  33. 33.  Find Me An Advisor™ is dedicated to provide FinancialServices in all 50 states. The information provided represents severalhighlights of Long Term Care Solutions in general andshould not be considered specific to any one contract. For further illustrations, comments or questionsplease contact: (855) CFP-NOWW.DisclaimersFind Me An Advisor™
  34. 34. Contact Us Atfindmeanadvisor.comIT’S FAST, FREE & EASYAddress1845 Palm Cove Blvd #303Delray Beach, FL 33445United States of AmericaFind Me An Advisor™Website: Find Me An Advisor™

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